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Tucson, AZ 85704

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UNDERSTANDING  INSURANCE and INSURANCE  PITFALLS

 

When you call Martin Insurance Consultants, you will work with

experienced agents who provide personal service on every call.

 

We work with you to discover the type of coverage you need and to find the right policy.

At Martin Insurance Consultants, we work hard to understand your individual circumstances so that we can better protect your interests. By keeping you aware of insurance issues that may affect you, we are better able to serve you. We are happy to answer any questions that are important to you.

 

Insurance.

It is very important to understand that insurance policies are contracts between you and the insurance provider, and that there are four parts to this contract:

  • Who is insured

  • What is insured

  • Perils that are insured against

  • Exclusions and exceptions

 

Briefly, the “who” and “what” are pretty self-explanatory, but need to be understood. The last two items above need more careful consideration. The perils section of the policy lists the general perils that are covered by your policy, but the exclusions section names specific things that are excluded from coverage.   You need to read both sections to know what is really covered.

 

For example, your home owner’s policy may tell you that your trees are covered against falling over, but the exclusions section of the policy may specifically exclude trees that are blown over by the wind. Because we represent you and not the insurance company, you can always call us for an explanation of what your policy really covers.

 

Pitfalls.

When it comes to  insurance, what you don’t know can hurt you, and people commonly make mistakes because they do not understand what they have  agreed to. One of the most common mistakes is trying to save money by NOT telling the whole story.  

 

For example, people commonly neglect to list young drivers living at home on their policy. They believe their car is covered in an accident regardless of who is driving, but that is not necessarily the case. If an unlisted driver causes an accident, the policy holders could find themselves responsible for the full cost of the accident, without any insurance coverage.

 

The same is true for people who do not disclose trampolines, swimming pools or dogs on their property. They may find that their insurance will not pay due to their failure to disclose all.

 

Click Here to see a list of Factors that can affect both your Premium and Coverage.

 

One size does not fit all.

Since every situation is unique, your insurance portfolio should consist of a unique blend of coverages, limits, deductibles, and premiums. With our individualized approach, you receive a portfolio as unique as you.

 

There when you need us.

Rest assured that when you have a claim, you are not alone.  Not only do we counsel you about your claim, we are also your advocates. Request your free, no obligation insurance review today!

 

We write insurance in AZ, CA, CO, IL, NM, NV, UT, and WA.

 

Our Team of Professionals

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