Looking for Auto Insurance? Arizona Premier Insurance – Office of Niqúe Nuñez has got you covered. We can help you with standard auto insurance, as well as car insurance for collector cars. Whether you live in Gilbert, or any other part of Arizona, when most people think about car insurance, they think about damage to their car. The truth is, car insurance covers much more than just your car. Given the sheer amount of cars on the road and the distractions drivers deal with every day, the chances of being involved in a car accident are plentiful. You’re at risk every single time you get into your car. It’s important to understand what your coverage options are — not just for your car, but for you, and people who may be injured as a result of your negligence. Having adequate Car Insurance limits is serious business If you were ever involved in an accident, and found to be at-fault for someone else’s bodily injuries, you could literally lose everything if you’re not properly insured. What a lot of people don’t realize is, having great coverage doesn’t necessarily mean having higher insurance premiums. Because Arizona Premier Insurance – Office of Niqúe Nuñez is 100% independent, we can take your current coverages and compare them with a wide range of insurance providers to see who offers you the best deal possible. The best part? It doesn’t cost you a penny more to use us. We are compensated by the insurance carriers directly, and work on your behalf to properly cover your needs and exposures, and make sure that there are no hidden gaps in your policy. No two insurance contracts are the same, and while two policies side-by-side might look the same, the fine print behind the cover page can vary drastically from company to company. This means you need someone who truly understands policy contracts, like us, to sort through the exclusions and conditions for you, so you can rest easy knowing that you have the best possible coverage at the best price without having to learn legal jargon. Important Auto Insurance Coverages When you browse through your policy, you may see certain coverages and wonder exactly what they are, and why they’re on your policy. Let us clarify a few of the more important ones for you: *Collision Coverage This is the part of your policy that covers your car in the event you damage the car itself somehow, as a result of an accident with a fixed or moving object like another car, a curb, a house, a guard rail, etc.. *Comprehensive Coverage This coverage also protects your car, but in the event that something else damages your car, that is not a fixed, or moving object. For example, theft, a rock that cracks your windshield while you’re driving on the highway, an animal you might hit, and so on. *Property Damage Suppose you damage someone’s car in an accident, or a guard rail, house, or some other property that belongs to someone else. This is the part of your policy that compensates the other person for that damage *Bodily Injury Liability This coverage protects your financial interest in the event you injure another party in an accident. This is the part of your policy that pays that other party for their medical bills and related expenses. Due to the high cost of medical care, it’s dangerous to carry liability limits that are too low. This is something we can help you decide on. *Un-insured & Under-insured Liability This coverage pays you, in the event that you are injured by another party, and that other party was either unidentified, or they weren’t carrying a high enough limit of Bodily Injury Liability to cover your expenses. This is also a very important part of your auto policy because you have zero control over how much insurance other people are driving around with. *Common Auto Insurance Rating Variables Age — insurance companies use your age in their overall rating algorithms. Drivers who are under 25, and over 65 typically don’t get preferred rates because statistics show that those two age demographics have the most loss frequency and are therefore more at risk for financial loss due to an auto accident *Credit — credit is a metric that has been used in insurance scoring for many years. The better your credit, the more favorable your rates will usually be *Car — the type of car, engine size, safety features, etc.. are all part of determining the rate *Driving History — your driving record and loss history plays a substantial role in the price. If you have a spotty driving history, or multiple moving violations or accidents, chances are, you won’t get a preferred rate until those things are at least 3 years old *Household — insurance companies underwrite at the household level, meaning they try to judge based on the entire household, what the probability of loss will be. If there are multiple drivers in the house who are under the age of 25, that will impact everyone’s pricing in the household How to get started with your car insurance quotes If you are looking for a car insurance quote, Arizona Premier Insurance – Office of Niqúe Nuñez makes the process of finding the best company and price easy. We do all the heavy lifting for you! To get started, call our office directly, or complete the fields below to send us some basic information about your needs so we can get started on your policy review and comparison!

Arizona Premier Insurance – Office of Niqúe Nuñez can help you find the best homeowners insurance that will best meet your needs and provide the most valuable combination of tailored coverage, quality service and competitive pricing. Note: if you are looking for homeowners insurance for a rental property, or home that is un-occupied, you cannot use traditional homeowners insurance. You need a “specialty dwelling” policy which we can also help you with. Regardless of whether you live in Gilbert or any other part of Arizona, homeowners insurance is one of the most important insurance policies you could ever own. It’s important to understand that no two homeowners insurance policies are created equal though. Different insurance companies offer different levels of coverage, different endorsements and riders, and have different conditions and limitations. If you’re not using an independent agent like us, it can be hard, if not impossible to tell the difference between two homeowners insurance policies. Whether you own or rent, insuring the place you call home can help protect you financially if you suffer a loss due to fire, theft, vandalism, or other covered events. It will also cover you in the event someone is injured while on your property and wins a legal judgment against you. Homeowners insurance policies differ by which losses are covered, which coverages you choose, and what type of residence you own. You choose which policy is best for you, whether it’s a comprehensive policy that covers losses such as fire, hail, smoke, falling objects, vandalism and theft of personal property, or whether it’s a policy that covers only specified losses. Common Homeowners Insurance Coverages These are some common coverages you typically see on a policy: *Dwelling — this is the portion of your policy that covers the actual structure (main house). The cost to replace your home can fluctuate from time to time based on the cost of raw material and labor, and of course, supply and demand. We’ll run a replacement cost analysis on your home to see how much it would actually cost if the worst happened and you had to rebuild. *Other Structures — this covers any structure on your property that is not permanently attached to your house, like fencing, driveways, sidewalks, and detached buildings like sheds and garages. Usually this coverage is 10% of whatever your Dwelling limit is, but can be increased if you need more coverage. *Personal Property — this covers all of your personal belongings like clothing, furniture, electronics, and appliances. Basically anything that would fall out of your house if you turned it upside down and shook out the contents. *Loss of Use — this covers your living expenses if you need to live somewhere else temporarily because your primary home is uninhabitable due to a loss. *Medical Expense —this covers medical expenses for guests if they are injured on your property, and in certain cases covers people who are injured off of your property. It does not cover health care costs for you or other members of your household. *Family/Personal Liability — Personal Liability Coverage applies if someone is injured or their property is damaged and you are to blame. The coverage generally applies anywhere in the world. When choosing your liability coverage limits, consider things like how much money you make and the assets you own. Your personal liability coverage should be high enough to protect your assets if you are sued. In some situations, an Umbrella policy may be necessary to provide extra coverage. **Scheduled Personal Property — there are some situations where you might want special coverage for valuables, or collectibles like jewelry, guns, collectibles, rugs, etc.. How to get started with your homeowners quote: Every home is unique, and therefore requires a carefully crafted policy. If you’d like us to review your current policy and provide you with no obligation quotes, call our office, enter some basic information in the fields below to get started online. Either way, we make the process super simple!

Looking for Rental or Vacant Property Insurance? If you own a rental property or a home that happens to be vacant, a traditional homeowners insurance policy will not work. You need what’s called a “Specialty Dwelling” insurance policy. This is because traditional homeowners insurance excludes coverage for properties that are not owner-occupied. In other words, if you don’t live in the house, it’s only covered by a specialty dwelling policy. Arizona Premier Insurance – Office of Niqúe Nuñez represents several carriers who can insure your rental property, or specialty use property. Specialty Dwelling Insurance There are multiple scenarios where specialty dwelling insurance is necessary: Rental Properties — Specialty Dwelling insurance is the only type of policy that will work for a rental property. There are certain coverages that you need as the owner of a non-owner occupied property that are only provided by a specialty dwelling insurance policy like for example Landlord Furnishings, and Tenant Liability. Vacant Homes — vacant homes can present all kinds of problems which is why they can be extremely difficult to insure. Most insurance companies want nothing to do with a property that is vacant. We can help you though. Seasonal & Vacation Homes — in many cases, in order to insure a secondary, seasonal, or vacation property, most companies require that you insure your primary residence with them as well, which isn’t always possible. Older & Lower Value Homes — if your home is extremely old and/or the market value is considerably lower than the cost to rebuild it, many insurance companies may hesitate to cover it. Older or lower-valued properties present a number of problems, but we have access to specialty policies specifically for these types of homes. Credit Problems — some homeowners might not have strong enough credit to qualify for a “standard” homeowners policy. When this is the case, specialty dwelling insurance is the alternative. Homes Under Construction — in some situations your renovation, addition, or reconstruction project may require a specialty dwelling policy. How to get started on your quote If you have a property that fits these parameters, give us a call and we can quote your property to see who has the best product for you.

Umbrella Insurance is critical to your insurance plan If you were found negligent or liable for someone else’s bodily injury or death, would you have enough insurance to protect your assets? Umbrella insurance is a stand-alone liability policy that provides an additional limit of liability over and above your underlying liability limits that are already on your homeowners and auto insurance policies. Life can be unpredictable and as much as we plan for the best, sometimes the worst can happen. This is where umbrella insurance comes into play and provides you with additional coverage that goes above and beyond to protect your assets. Umbrella Insurance example scenario To get a better sense of what Umbrella Insurance is and how it would work in a real life situation, it helps to think about it in action. Say you’re held liable for causing a car accident with multiple vehicles, and the cost to cover the damages and injuries is $850,000. However, the liability limits on your Auto policy are only $300,000. In this case, your insurance would pay only $300,000 for the entire accident, and you would be responsible for the remaining $550,000 out of your own pocket! With an Umbrella policy, however, you could extend your liability limits beyond the maximum provided by your underlying policies. In this case, an Umbrella policy would provide liability limits above the $300,000 limit of your Auto policy, up to the limit you choose for your Umbrella policy (typically anywhere from $1 million up to $5 million in coverage). In other words, you wouldn’t be left paying the remaining $550,000. More examples… *your dog bites a neighbors child *fire at your condo spreads to other units *accident at your rental property How much does Umbrella insurance cost? One of the things that makes Umbrella insurance so appealing, and almost a no-brainer in most situations, is that the cost is generally very low. Most insurance carriers offer coverage starting at around $300 per year. The cost of your policy goes up based on the amount of cars and homes you need it to overlay, but in general the cost is pennies on the dollar, and all the risk is on the insurance company. Even if your premium was $300/yr, the insurance company is on the hook for at least $1,000,000. That is a tremendous value, and something that everyone should think about given the litigious nature of our society. It only takes one accident to potentially bankrupt yourself If you don’t have enough coverage, and in a world where medical expenses are sky rocketing, it only make sense to think about purchasing Umbrella insurance. To get started with your quote, call our office, or click over to our quotes page and our team will shop the marketplace to see who offers the best coverage. Keep in mind that most insurance carriers require that you have at least your auto insurance policy with them in order to qualify for their umbrella. Stand alone umbrella policies are available also for special situations.

Looking for Life Insurance? Life insurance is not only the cornerstone of a solid financial plan, but it’s hands down one of the most cost effective ways to protect the people who depend on you financially. What would happen to your family if you were to die prematurely? Would they be able to maintain their current lifestyle? Would your kids be able to go to college? Would your spouse be able to shoulder the load with one income? If you have a child, are married, or you are carrying any kind of debt, purchasing life insurance is a no-brainer. If all three, well, hopefully you already have life insurance. Here are a few other reasons to have life insurance though: *charitable donations *pay federal death and estate taxes *create an inheritance for your heirs *pay final expenses We make buying life insurance easy At Arizona Premier Insurance – Office of Niqúe Nuñez, we make the process of buying life insurance extremely simple. We have access to a wide range of life insurance companies so we can survey the marketplace and based on your individual rating criteria, find the best possible life insurance policy at the best price. When purchasing life insurance there are a few things to consider. Do you want Term Life Insurance, or Whole Life? If you don’t understand the difference that’s okay. That’s what we’re here for. Life insurance is based on two main variables — your age, and your health. How much life insurance do I need? A mistake that we often see people make is basing their life insurance coverage on a guess, or just grabbing a number out of thin air without realizing what the impact of inflation could have on their life insurance proceeds. One of the benefits of working with an independent agent like us is that we can sit down, and through a comprehensive needs analysis, determine the exact amount of coverage you will need to protect the people who depend on you. The amount of coverage you need depends on a number of different variables. Here are a few examples: *how many children you have *your future earnings potential *whether or not you’re married *spouses future earnings potential *you and your spouses age *amount of debt you have How to get started on your Life Insurance quote To get started on your quote, call our office or click over to our quotes page. Either way we’ll make the process simple!

Do you need a better Business Insurance Package? Choosing the right business or commercial insurance plan for your business can be very confusing, so we have developed many different options and programs to meet the needs of our commercial insurance clients throughout the state of Arizona. At Arizona Premier Insurance – Office of Niqúe Nuñez, we can design a specialized package according to your property, liability, and casualty needs. We are also proactive in identifying any factors that may increase your premiums or change your risk, and provide consulting and risk management options to protect your business. Whether you are a retailer, wholesaler, contractor, or electrician, we can tailor a package to meet your specific needs and requirements. So give us a call today or fill out one of our free online quote forms. Commercial Package policy vs. Business Owners Policy (BOP) Think of a Commercial Package Policy as a stereo system where you buy each component individually. So you would buy the receiver, speakers, remote, and every other part and accessory separate from each other. In contrast, a BOP policy is much like a stereo-in-a-box. All of the pieces you need come pre-packaged. Business Insurance Products in Gilbert Business Owners Packages (BOP) Commercial Auto Business Personal Property Business Umbrella Policies Church Insurance Restaurants Errors and Omissions Equipment Floater Risk Management General Liability Contractors Retail Stores Plumbers Professional Offices Property Managers & Owners Electricians Workers Compensation Commercial Building Property Apartment Owners Self Storage Condominium Owners Store & Lock Centers Retail Stores EPLI – Employment Practices Liability Insurance Professional Liability Insurance Directors & Officers Landscapers Cyber Liability Pollution Liability Painters Liquor Liability Medical Professional Service & Repair Insurance General Repair Shops Garage Keepers Auto Body Shops Crime Inland Marine Builders Risk How to get started with your Business Insurance Comparison No two businesses are the same, so it’s important to speak to a qualified Business Insurance professional like us, who can sift through your various options. The last thing you want is some cookie-cutter policy that’s riddled with exclusions and limitations. To get started, call our office or click over to our Quotes page to get started. Either way, we’ll make the process easy!