Month: August 2018

When to Consider Home Insurance

Posted on by agentinsure

Your home is likely one of the biggest purchases you have ever made in your life. You have put a lot of money into this investment and you want to have a lot of memories over the years in it. Because of these two key reasons, here at San Marcos Insurance Group serving Chandler, AZ, we will always recommend that you have home insurance on your home. However, you may be wondering when you should get home insurance or how long after purchasing you should get some. 

When it comes down to it, you want to have home insurance on your home as soon as you possibly can. You never know when something bad will happen to your home or what they situation may be. You do not want to play that guessing game or run the risk of not having coverage when something bad does happen. The est time to get home insurance is to get it when you purchase your home. However, if you already have a home but do not have any home insurance, you want to get it as soon as you possibly can so you can have the coverage that you need on your home. 

Home insurance is a critical component of owning a home and making sure it is protected no matter what. The last thing you want is something to happen to your biggest investment of your life. if you need to get a home insurance policy, be sure to reach out to us here at San Marcos Insurance Group, serving Chandler, AZ, today. We can work with you to make sure that you get the right amount of coverage as well as a policy that meets your budget needs as well. We can even take a look at your current policy to make sure you have the right coverage.

Will Pre-Existing Conditions Ruin My Health Insurance?,

Posted on by agentinsure

In the past, pre-existing conditions could seriously complicate your health insurance coverage. These days, things have changed for the better. So if you live in Chandler, AZ and need help, let us at San Marcos Insurance Group show you the way.

Pre-Existing Conditions Shouldn’t Affect Your Policy

Under the ACA, pre-existing conditions cannot affect whether you are accepted or even influence your premiums. In fact, it is against the law for your provider to even attempt to do either of these things. In this way, more people can have health insurance and you can get your issues treated without suffering from excessively expensive policies.

When Your Policy Could Be Affected

There are a few instances in which a provider may deny you because of pre-existing conditions. These are generally very rare and only occur in situations that are obviously improper. For example, people who try to buy a short-term plan to save themselves money by covering a specific problem may be denied if they have pre-existing conditions. This idea was put in place to protect companies from fraud.

What if a Provider Does Increase Premiums or Deny Coverage?

If you somehow find an insurance provider that denies your coverage or increases your premiums because of pre-existing conditions, you have found a provider that is committing a crime. You need to report them to the proper authorities and find another insurance dealer who is going to have your back when it comes time to pay for your coverage.

Let Us Help You

So if you live in Chandler, AZ and have pre-existing conditions that you are worried will complicate your insurance, please don’t hesitate to contact us at San Marcos Insurance Group. Our specialists will take a look at your case and find a policy that is fair for you and which won’t cost you an arm and a leg to buy.