San Marcos Insurance Group

How to Make Sure You’re Getting Customized Health Insurance in Arizona

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If you want to get health insurance for specific circumstances that go beyond the general coverage of a health insurance policy, you’ll need to talk to an independent insurance agent. For top-quality insurance products in the Chandler, AZ area, reach out to San Marcos Insurance Group.

The Issue with a One-Size-Fits-All Health Insurance Plan

When you sign up for a health insurance policy that’s too generalized without any coverage for your particular medical conditions, it can lead to trouble now or further down the road. You may end up needing a certain treatment or procedure and won’t have the ability to use your insurance for this. Or, you may have to visit a specialist doctor and the appointment(s) won’t be covered if there’s not something built into your policy in regards to it. This can leave you scrambling to get the funds for urgent health matters or losing out entirely which is likely to cause a worsening of those health issues that would have been addressed otherwise.

Make an Appointment with an Agent

It’s in your best interest to set up an appointment to discuss the concerns you have and health issues that fall outside of the range of what most general insurance covers. Let them know of your situation if it affects what you should get for health insurance. Then, they’ll make suggestions and tailor a package with the right policies and any additional coverage amounts that would be ideal.

Visit San Marcos Insurance Group, a team that is proud to serve the greater Chandler, AZ region for insurance needs. If you have questions, contact us and a representative will do their best to answer and put you at ease about the process of signing up for health insurance.

Why Your Business Needs Commercial Insurance

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If you own a business in Chandler, AZ, then you need everything you can get to keep your business protected. Commercial insurance is a way to help keep your business from toppling in the case of an accident or worse. Some new and upcoming business owners may be unfamiliar with commercial insurance and what it covers. Luckily, you can learn all of the in’s and out’s of commercial insurance with San Marcos Insurance Group. 

What Does Commerical Insurance Cover?

Commercial insurance, or business insurance, is a type of insurance that protects you and your business from property damage or reputation damage. If you’re unfamiliar with commercial insurance protection, here are some areas in which commercial insurance can provide coverage for you and your business: 

  • Financial compensation for employees who are injured on the job
  • Repair costs
  • Replacement costs
  • Equipment damage
  • Liability
  • Lawsuits

These are just some of the general areas in which commercial insurance can provide coverage for you and your business. The specific coverage amounts and coverage types will depend on what coverage policy you choose. However, if you want to find the right commercial insurance policy for you and your business, visit San Marcos Insurance Group to protect your business. 

Why Is Commercial Insurance Important? 

Commercial insurance protects your business’s property and employees. After all, your employees are what keeps your business going. It only makes sense to keep them safe and protected, so that your business can continue to thrive. As a business owner, you want to do everything you can to ensure your business does well. That’s why it only makes sense to have commercial insurance. 

Stay Protected with San Marcos Insurance Group

To help you keep you and your business protected, visit San Marcos Insurance Group to find the right coverage for you. Our office serves the Chandler, AZ area.  

Insurance tips for new home owners

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Settling in your new home in Chandler, AZ is an exciting milestone. However, it comes at a cost as there are many steps involved, such as searching, negotiations, inspections, and financial preparations, which can be mind-draining.

At San Marcos Insurance Group, we know that is all worth it in the end, and that’s why we help you protect what matters to you most by buying a home insurance policy. Here are a few insurance tips to help you out.

Assess the level of risk

Before you consider buying a home insurance policy in Chandler, AZ, make sure you know the risk level to help you understand the more critical coverages. If it is a new neighborhood, you may want to know how safe it is from burglaries and other criminal activities. You also want to check the home for faults, especially if it is old, and purchase coverage for them.

Know the coverages that matter

Once you have figured out the level of risk, it is much easier to know which coverages to focus on. For instance, if your home has a swimming pool, you may want to think about adequate liability in case of accidents. If you have children and pets running around your compound, medical coverage can be a great addition to your policy.

Do enough research

A home insurance policy is a significant investment, like the home itself. Therefore, you don’t want to make a mistake of buying insurance from any insurance agency around you. Shop around and look for a certified insurance company like San Marcos Insurance Group.

Don’t just sign

Make sure you understand everything before signing the documents. Read the terms and conditions and ask questions where you don’t understand to avoid getting surprises after signing the agreement.

For all your home insurance needs, contact San Marcos Insurance Group today!

Do I need an Arizona auto insurance policy?

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Those that are in the Chandler, AZ area will want to consider getting a car as it will help them to ger all around the Phoenix area. When you are looking for a car around here, you also need to think about your insurance needs. There are many reasons why someone here will need to get this insurance for their car.

Insurance is Required by Law

One of the reasons that you will need to get this insurance is that it can be required by law. Anyone that wants to drive a car on a public road in Arizona should be made aware of the state requirements regarding auto liability insurance coverage. This type of insurance can ensure you are able to pay for damages that you cause in an accident. Having this coverage is required by law as it helps to protect all other drivers on the road.

Auto Lender Will Require Coverage

While state law will require that you have liability insurance, anyone that has a loan that they took out when buying their car will also be required to have insurance. Any auto lender will want to make sure that you have a full collision and comprehensive insurance policy. This type and level of insurance coverage will ensure that you are able to repair or replace your car or pay off your loan if the car is stolen or damaged. 

Choosing an auto insurance policy in the Chandler, AZ area can be a big decision. When you are looking for this type of insurance, you should speak with the team at the San Marcos Insurance Group. When you call the San Marcos Insurance Group you are going to receive the support you need to understand your insurance obligations and pick a policy. 

Mistakes To Avoid When Shopping For Health Insurance

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Health insurance is one of the main investments in your worry-free and healthy life. Therefore, choosing the right policy based on your needs is not an easy task. There is a high risk of missing out on some key aspects. In order to help you to make an informed decision and pick the policy you really need, San Marcos Insurance Group serving Chandler, AZ has prepared a list of mistakes you should avoid when searching for a health insurance plan: 

Shopping At The Last Minute

Since buying a health insurance plan is an important decision, it will take time for you to find the best coverage. Therefore, it is better to start reviewing your options as early as possible. If you procrastinate and wait until the last day of enrollment, you will not have enough time to make the right decision. 

Not Revealing Your Medical History

When you are buying a health insurance plan, you should inform your insurance agent about your current health status and medical history. If you decide to be secretive about it, you risk not receive medical coverage in case of illness or an emergent medical issue due to a pre-existing medical condition. Moreover, not disclosing your medical history increases the risk of posing a threat to future claim settlements. 

Not Taking Your Own Requirements And Needs Into Consideration

One of the best things about health insurance is that you can pick a plan to fit your needs. However, many people ignore this aspect and pick a standard policy. Considering your requirements when buying health insurance is important and beneficial at the time of claim. 

If you are a resident of Chandler, AZ, or any other surrounding town who is searching for a health insurance policy, San Marcos Insurance Group is the company of professionals you can trust. Give us a call today or visit our website to find out how we can help you to get the coverage you need and can afford. 

How Will Commercial Insurance Protect my Business?

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Anyone that would like to start a small business needs to find a great area to open and start it. One city that continues to offer a lot of great opportunities for small business owners in Chandler, AZ. When you are in Chandler, AZ, you will benefit from a large population base and a mentality geared towards helping local businesses. To ensure that your business is able to thrive, you need to get commercial insurance, as it will protect your business in many ways.

Ensures You Have Liability Protection

One of the reasons why you will want to get commercial insurance is that it can protect your business from liability risk. If you sell a product or service, you are always going to run the risk that you could be sued for liability. If you are sued and lose, it could be devastating. Fortunately, you can get a commercial insurance policy that will give you liability protection to offset this risk as you will have coverage for liability.

Covers Business Assets

When you start any type of business, you are going to need to purchase some assets for your business. This includes capital equipment, starting inventory, and other assets that will ensure your company is able to operate. When you have a commercial insurance policy, you will receive protection and coverage for these assets to ensure they will be replaced if the items are stolen or damaged. 

When you want to start a business in Arizona, you should speak with the San Marcos Insurance Group about your insurance needs. The team at the San Marcos Insurance Group can help you to identify risks associated with your business that could be mitigated with insurance. The team can then help you get into a policy that will provide you with the best coverage possible. 

Do I need home insurance when I don’t have a mortgage?

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For most people in Chandler, AZ a mortgage lasts for 30 years. When the 30 years is over you may have a mortgage burning celebration. Your home is finally yours and that is a big deal. For those many years, you have paid home insurance to protect the investment that your lender has in your home. Now it is yours, do you continue to carry that protection or do you let your policy lapse? To carry or not to carry home insurance is a big decision and the experienced team at San Marcos Insurance Group can help you to make the correct choice. 

Home insurance offers some valuable protection and your home is the single largest investment most people ever make. Before you decide to save a little money by going without home insurance you need to ask yourself a few questions. If your home was destroyed by a covered hazard such as a fire, would you be able to repair or rebuild it without an insurance payment to help? If someone is injured on your property and sues you would you be able to hire an attorney and pay any judgment against you out of your pocket? Imagine how high such a judgment could be. 

Most people own a lot of things. If your home was destroyed by something like a tornado you could lose everything. Try to imagine having to replace all those things at one time, it is an overwhelming thought. How about having a place to rest your head if your home is uninhabitable? It could be for weeks or months. Would you have the money to pay for it?

Hopefully, these questions have made you think about how valuable your home insurance is to you and your financial security. Give the knowledgeable agents at San Marcos Insurance Group in Chandler, AZ a call for an appointment to discuss the benefits of home insurance. 

Will My Auto Insurance Cover a Relative Visiting for the Summer?

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If you have family or friends visiting your Chandler, AZ home this summer, you may have to deal with guests asking to borrow your vehicle. Loaning out your car is a personal decision. At the same time, it’s good to confirm with your San Marcos Insurance Group agent if guest drivers are covered by your auto insurance. You don’t want to be stuck paying for damages of an unexpected accident. Here’s what you should know about guest drivers and auto insurance.

Friends are Covered with Permission

Your friends in Chandler, AZ are covered by your auto insurance if they have permission to drive your car. Depending on the coverage you have, your policy will cover damages in the event of an accident. When loaning your car to a friend, make sure he or she has a valid driver’s license, and is a safe driver.

Visiting Relatives are Covered with Permission

If you give visiting relatives permission to drive your vehicle, they, too, are covered by your auto insurance as long as they have a valid driver’s license. As relatives may be unfamiliar with the area, use wisdom when loaning out your car. You may prefer to drive them yourself for nighttime events or find them other forms of transport, especially if they’re attending a party where the hosts will be serving alcoholic beverages.   

Guest Drivers May Have Limited Coverage

Although guest drivers are protected by your auto policy in Chandler, AZ, they may not have the same scope of coverage as you or members of your household listed on your policy. Guest drivers also have restrictions on how often they can use the vehicle without being listed on the policy.

To learn more about auto policies, coverage and costs, call or visit your San Marcos Insurance Group agent today.

Important terms to understand when choosing health insurance

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Health insurance is something that everyone needs to have but it is one of the most confusing types of insurance. You will be asked to choose a policy to cover your healthcare needs and in some cases, it will seem like you are comparing apples and oranges. How can you make an informed choice when things are so different from one carrier to another?  You need to understand exactly what some of the insurance terms mean and by talking to the experienced team at  San Marcos Insurance Group in Chandler, AZ you can feel more confident with your decision. 

In order to choose the healthcare policy that makes the most sense for you, comparing copays, deductibles, networks, and formularies is important. Knowledge is power and knowledge will help you make the best decision for you. 

Copay

A copay is the portion of a medical expense that is your portion to pay. It can be a percentage or it may be a set amount. Examples are the amount you pay when you visit your doctor or the amount they ask upfront when you go in for blood work or Xrays. 

Deductible

The deductible is the amount of money you must pay before your policy goes into effect. High deductible policies are popular because they are less expensive but the reality is that if you don’t meet the deductible very few if any expenses will be paid. 

Formulary

This is the list of drugs that are covered under a plan. Drugs are assigned to a tier and each tier has a copay and some may also have a deductible. You should check which tier any drugs you take fall into. 

Network

These are the doctors and health facilities that you may use for coverage on your plan. Checking to make sure your personal doctor is in Network is something to do before signing on the dotted line. 

Call the San Marcos Insurance Group in Chandler, AZ to make an appointment to discuss your health insurance needs. 

Auto Insurance Facts vs Myths

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Before purchasing auto insurance in Chandler, AZ, make sure you know the facts. Auto insurance myths could cause you to make costly mistakes in choosing your coverage. At San Marcos Insurance Group, we’ll help you separate fact from myth to ensure you get the protection you need without wasting money.  

Myth: You Only Need Minimum Liability Coverage

Fact: Arizona requires that you have minimum auto liability coverage to protect others in accidents you cause. Liability insurance, however, won’t protect you against theft or cover repair costs to your vehicle if it’s damaged in a crash. By adding collision, comprehensive and uninsured motorist coverage to your policy, you’ll receive greater protection against accidents, which could save you thousands of dollars in repairs out of pocket. 

Myth: Men pay higher auto insurance rates than women.

Fact: This may be true for young men and teens as they’re often viewed as a greater risk for accidents. In general, however, gender has little bearing on auto premium costs. Your driving experience, driving record and credit rating, however, could affect the cost of your auto coverage.  

Myth: If a friend or relative borrows your car and causes an accident, he or she is responsible for damages.

Fact: Car insurance follows the car, not the driver. If you give people permission to drive your car and they cause an accident, your auto insurer is responsible for covering the cost of damages.

Myth: Rental car expenses are automatically covered in auto policies in Chandler, AZ.

Fact: If you want your insurer to pay for a rental vehicle while your car is being repaired after an accident, you have to add it to your coverage. It isn’t automatically included in your policy.   

For quality auto coverage at affordable costs, contact San Marcos Insurance Group today.