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Mobile Home Maintenance Tips

December 26, 2018 by Steve Gebhardt

Mobile Home Maintenance Tips

Mobile home living allows its residents many of the same benefits as a conventional home but often times, comes with lower costs and less maintenance. While they do present fewer costs and problems, mobile homes still require proper inspections and regular maintenance to ensure livability and to make sure they pass home inspections like in traditional or site-built houses.Mobile home insurance is as equally important too. How can you maintain your mobile home properly? To help you keep your abode beautiful, healthy and in good condition, here are some mobile home maintenance tips you can follow.

Mobile Home Maintenance Inspection

Conducting regular inspection on your own is the practical way to do mobile home maintenance. Just simply check what’s off and not in your home. Take note of any damage or possible problem such as mold build-up or mildew. This way, you can prevent any further damage from occurring and you can seek professional help as early as possible. But of course, you also need professional home inspection by the experts once in a while.

Keep it Level

This is the most important action a mobile homeowner should take. If mobile homes are not properly leveled, various problems may arise, such as the occurrence of leaks, cracking of the wall or trouble shutting doors and windows. These are just some of the problems that you might have to face if you neglect mobile home maintenance. To prevent any of these from occurring and to properly maintain your home, it’s very important that you regularly or annually check your home if it is still “level.”

Keeping your home properly leveled prevents a host of other problems. If you notice that your windows or doors are not closing properly, that cracks are appearing in your walls, or that your floor squeaks excessively when you walk on it, your mobile home is probably uneven.

While it is important for the owners of site-built homes to check the level of their homes, this step is essential for the owners of manufactured homes, which are built in one place and then deposited elsewhere.

Whether your home is site built or manufactured, you should conduct a regular inspection to ensure that it remains level. If you find that your home is uneven, you can purchase a kit or hire a professional to help you even it out.

Keep the Skirtings in Good Shap

Homeowners often neglect the “skirting” or otherwise called “perimeter enclosure.” Skirting ventilation is highly important in mobile home maintenance.

While the skirting around your mobile home does add curb appeal, it is there for more than decoration. Skirting protects the foundation of your mobile home. It does not only act as an insulator, it also keeps pests away and prevents the growth of mold if properly ventilated.

This article from Hunker says that skirting “helps to maintain a steady temperature under the home to prevent freezing of pipes and high humidity levels that can lead to condensation and moisture problems that will potentially damage wood floors and support members.”

Whether you choose simulated rock or brick, or plain siding, you must maintain the proper skirting ventilation. See to it that you get proper ventilation in your home. The professionals have provided a formula on how to determine proper skirting ventilation. It is as follows: for every 150 square feet of space, there must be 1 square foot of venting. Moreover, avoid or prevent dead air pockets by installing vents within 3 feet of each other. Having the proper perimeter enclosure along with the correct square footage of venting allows you to protect your home.

Mobile home maintenance photo

Roof Maintenance

Just as with a conventional house, keeping the roof in good condition is important. The roof must be included in your list of mobile home maintenance habits. Mobile homes differ from conventional houses because they have flat roofs, which means that a leak can cause more water damage at a faster rate. It is important that you frequently assess the quality of your roof, even if you do not notice a leak.

Regularly check and maintain your roof. The maintenance depends on the type of roof you have. For example, if your home has a flat roof, it is advised that you must recoat or reseal it regularly, perhaps once a year. Using the right coating is also important as there are certain coatings that cannot be used on certain roofs. For instance, aluminum and asphalt coatings should not be applied on rubber or PVC roofs. Furthermore, make sure that there are no cracks in the caulking and that the flashing is in great condition.

Plumbing Tips

Mobile homes require different plumbing needs than site-built ones. However, both types of homes have more or less the same plumbing structures, such as drain line, supply line, pipes and such. The main difference is that in mobile homes, every water feature ideally should have a shut-off valve, particularly in the faucets and toilet. It is important that you know which part of your home these valves are located.

Use the Right Supplies

Mobile homes are usually built with different materials than conventional homes, which means that you will need to purchase unique, often difficult to find materials to maintain your home.

For instance, as this article from doityourself points out, fixtures such as doorknobs and faucets, and materials such as drywall and vinyling typically differ in mobile homes. As you are choosing materials to maintain your mobile home, remember to acquire the right types of products.

Mobile Home Insurance Coverage

Mobile home maintenance is highly important to keep the value of your property, and to ensure that you are always living in a safe, sturdy and healthy home. These mobile home maintenance tips should assist you in keeping your mobile home in pristine shape, but remember that problems eventually will arise. On top of these maintenance tips, you must not neglect insurance. Our passionate team at Gebhardt Insurance Group wants to help you find an insurance policy for your mobile home that gives you the coverage you need at a cost that you can handle.

If you are interested in purchasing a new insurance plan for your mobile home, get a free quote today. We want to find you a plan that not only meets your financial needs, but also adequately protects your home in the case of an emergency or needed repairs.

Filed Under: Mobile Home Insurance, Home Insurance

Homeowners Insurance Claims Process

December 21, 2018 by Steve Gebhardt

Homeowners Insurance Claims Process

Enduring a disaster that damages your home can be a scary process. In just a moment, you could lose a part of your house, belongings in your home, or even the entire house. Filing a homeowners insurance claim is a daunting process that you must face after a disaster. If you have never had to file a claim before, knowing what steps to take can be difficult. To make this process easier, we will explain the typical insurance claim process for homeowners.

Filing a Claim

In the case that your home becomes damaged, the first thing you should do is determine if it is safe to return. You and your family’s safety is more important than your home or any damaged items inside.

Whether or not you can continue living in your home, you should begin evaluating the exact damage so that you know what to tell your insurance agency when you file your claim. To make sure that you have an accurate assessment, hire a contractor to inspect the damage.

If your home is damaged, it is important that you file a claim with your insurance company as soon as possible. The quicker that you get in contact with your insurance provider, the quicker you will receive the help you need.

With new technologies, there are plenty of ways to contact your insurance company to file a claim. Calling your insurance agent is usually the best and fastest approach. Either way, it is important that you document all of the damage.

What Happens After I File a Claim?

Once you file a home insurance claim, an insurance adjuster, who may also be called a claims adjuster, will connect with you to assess the cost of the repair. They will probably talk with you over the phone, as well as visit your home to assess the damage.

After the insurance adjuster has discussed the damage with you and evaluated your total losses, they will propose an appropriate settlement. If you accept, then you will typically receive the money quickly.

Sometimes, you will receive a check to cover the whole of your damages, but not always. According to the Insurance Information Institute (iii), the initial payment usually does not include the entire settlement amount. Many insurance companies will provide “an advance against the total settlement amount,” and then pay the rest later. This quick payment allows homeowners to make temporary repairs and cover immediate costs.

Even after you file the original claim, if the damage is severe enough to force you out of your home, make sure that you include additional living expenses on your claim. Things such as accommodations, rental cars, and meals from restaurants all fall under the additional expenses category that your insurance company should compensate you for. Keep track of your receipts so that you can verify to your insurance provider how much extra compensation you will require.

What Factors Affect the Homeowners Insurance Claims Process?

Not every insurance claim will yield the same results. Here are a few factors that typically play a crucial role in determining the amount of money you will receive.

Type of insurance coverage

There is one important distinction that will play a major role in determining the amount of your coverage: replacement cost vs. actual cash value.

  • Actual cash value: This type of coverage has less value, as the focus is on the monetary value of the items instead of how much you would actually need to replace them. The amount provided typically is not enough to replace the lost or damaged items, especially if they are older and have depreciated in value.
  • Replacement cost: This type of coverage does not consider the actual monetary value of each item, but rather how much it would cost to replace them. This option provides more comprehensive coverage that allows homeowners to recover faster.

If you lose your home and the items inside are damaged in a disaster, replacement value is the better coverage. However, this article from the balance says that replacement value often comes with caveats. For instance, “your insurance company may have the choice to only pay partial payments until you have replaced the item,” or they may only allow you to purchase your items at certain stores.

Home Ownership

There are important factors relating to the home itself that play a significant role in deciding the extent of your coverage.

  • Mortgage: If you are still making payments to a mortgage lender for your home, the check you receive from the insurance company will probably have your name and their name on it. Since the lender has a large financial investment in your home, they will want to ensure that it is repaired sufficiently and that its value does not depreciate.
  • Type of Residence: If you live in a condo or a co-op, even though you own it, your insurance policy will function differently. If you live in a condo and want to know how living in it will affect your policy and claim settlements, check out this article from the balance.
  • Renter’s insurance: If you are renting a home, condo, or apartment, you do not need to purchase a homeowner’s insurance policy. However, since your possessions would not be included on your landlord’s policy, renter’s insurance is a way to protect your belongings.

If you are unsure of whether the conditions on your current policy meet your needs, we can help. Our passionate, experienced team at Gebhardt Insurance Group will help you understand the homeowners insurance claims process and aid you in finding a plan that provides the perfect amount of coverage for you. Visit our website and receive a free quote today.

Filed Under: Home Insurance, Mobile Home Insurance

Facts You Need To Know About Mobile Home Insurance

June 7, 2018 by Steve Gebhardt

Facts About Mobile Home Insurance

Mobile homes (also known as manufactured homes) are just like regular houses in terms of maintenance and homeowners insurance. Property and liability insurance policies are standard coverages for a mobile home, but additional coverages may also be necessary. Replacement cost coverage can help an owner protect against depreciated value of the home. “Stated Amount” is a specific total in an insurance policy that states the maximum amount of money that can be paid out for any damages to a mobile home. These are all aspects of insurance coverage that must be considered when insuring a mobile home.

Firstly, a mobile home is typically manufactured off-site and later delivered to the plot of land where it will be located for good. During this delivery, however, the home is not covered under a homeowners insurance policy. It is important for the buyer of the home to work with the manufacturers and delivery service to ensure that the home is insured against damage during delivery. No matter the distance the home will travel, it will be at risk of damage and should be insured. Once the home is in place, typical homeowners insurance can be put into place.

Property coverage is a standard type of insurance policy for all kinds of houses, including mobile homes. This policy covers the broadest amount of situations that could arise for a homeowner. These includes bad weather (hail, lightning, etc), theft (stolen items), vandalism (destruction / defamation of property), and fire. Depending on what else you own, you may need property coverage for a carport, porch or gazebo on the property as well. These are not automatically placed on a property insurance policy.

Some insurance companies offer limited coverage which result in a lower premium, but it is important to know exactly what will and will not be covered by these types of policies. Lower cost coverage may be convenient for their lower monthly cost, but it can also be costly if a specific incident occurred and it is not covered by the policy. Look at the details of the policy before agreeing to a low cost insurance plan for your mobile home.

Liability coverage is another common policy that many homeowners have on their mobile home. Liability mainly protects the owner against situations where others are injured while on their property. This usually covers situations where something in the home breaks and hurts a visitor, or if someone were to slip and fall inside the house. Usually it does not cover medical bills for those who live in the home and are injured. However, it usually does cover the costs that you incur if you damage a neighbor’s home or property.

An important consideration for mobile home owners is the possibility of water damage. Pipes can burst inside of any home, but are more susceptible in a manufactured home due to its smaller size and ventilation. Insurance companies offer coverage for water damage and broken pipes only in the event that the damage occurred naturally. If the damage occurred due to the owner’s bad maintenance, coverage would be denied. It is important to take extra care of the pipes in a mobile home to ensure that, if damaged, they will be covered by insurance.

Replacement cost coverage is a unique type of policy for mobile homes. This coverage protects you financially against depreciated value of the home. If part of the home is damaged, replacement cost coverage will provide enough money to replace what is needed, rather than providing money based on the current value. In this case, you will have enough money to replace the damaged areas rather than simply repair them.

This also ties into the “Stated Amount” in the policy. The Stated Amount is a specific grand total of how much the insurance company will pay out if everything were to be destroyed. It is important to know this number in the event that you need full replacement of the home and possessions. Owners must consider how much it would cost to start over with a new home.

Insuring a mobile home is very similar to insuring a house, but with a few extra considerations. Property and Liability insurance are standard coverages that protect you against most common scenarios. Make sure you take good care of the pipes and have good water damage coverage. It is important to have replacement cost coverage if you will need to replace large parts of the property at any time. Taking good care of your mobile home starts with quality insurance.

Filed Under: Mobile Home Insurance Tagged With: Liability Coverage, Manufactured Homes, Property Coverage

Best Mobile Home Park in Arizona

January 27, 2017 by Steve Gebhardt

Lake Powell view

Arizona is home to stunning and relaxing mobile home parks. It would be great to spend some time and relax in these mobile homes or stay there after retirement. Of the many mobile home parks in the state, we have chosen five. The following are the best Arizona mobile home parks you would love to stay and live in.

The Best Mobile Home Park in Flagstaff

Are you looking for a second or new home in Flagstaff, Arizona? Do you want to stay in a nice, warm and peaceful neighborhood temporarily or permanently? Consider checking out this mobile home park in the area: Greenlaw Mobile Home Park is a safe, quiet and relaxing community in Flagstaff. It has all the basic amenities you can ask for in an Arizona mobile home park. Its custom-built homes are perfect for both retirees and seniors. You also get to enjoy their many amenities and facilities. A perfect place to start the next chapter of your life.

Prescott’s Finest Mobile Home Park

Pine Lakes is one of the best private communities in Arizona. Located near the beautiful Prescott National Forest, this mobile home park is surrounded by stunning views and natural wonders, which make it perfect for both serene living and exciting adventure. It’s a perfect package! The homes are relaxing and in tune with nature, with great amenities perfect for recreation, events and socializing. They are custom-built and energy-efficient. What more can you ask for?

The location of this private community is perfect. You get to live in a peaceful, nature-surrounded place, with the city just five miles away. It’s perfect for both as a retirement place or a second home. Whether you live here alone, with your partner, or with your whole family, you will never go wrong with Pine Lakes.

A Superb Mobile Home Park in Tucson

If you are looking for a mobile home park in Tucson that feels like a resort, stay at Tucson Meadows. This community is perfect for those who want to relax and have fun. This place is designed for both indoor and outdoor activities. Here, you can enjoy watching the beautiful Southwest sunsets.

It’s easy to own and maintain a home in Tucson Meadows. Aside from the well-built homes, you also get to enjoy the conveniences and amenities offered by one of the best mobile home parks in Arizona. There is even a spot in the community solely dedicated to recreation vehicles (RVs). This section is called “Winter Haven.” This is a perfect example of an Arizona mobile home park to stay in if you want a temporary second home. You can rent the RV site for a week to a year, or even longer. There are RV site activities and amenities you can enjoy as well.

The place is also perfect for retirees who want a place to spend the rest of their lives in. They have associations, activities and amenities tailored for active seniors.

A Phoenix Mobile Home Park You’ll Love

Live in a friendly neighborhood, away from the hustle-bustle of city life. Seated where the Citrus Orchard and Cotton Grave used to be, the Friendly Village of Orangewood is a premier mobile home park in Phoenix. It features 382 lots that are all landscaped, each having a beautiful view. You can rent a home or buy one. A perfect place to stay after retirement. This gated private community gives you peace of mind and a relaxing atmosphere. This Arizona mobile home park features a wide array of amenities, including a five-hole golf course and a clubhouse. This is definitely one of the best private communities in Phoenix and the entire state.

Page’s Outstanding Mobile Home Park

If you want a new home in Page, you will not go wrong with Lake Powell Mobile Home Village. This modern, growing community is located near the marvelous Lake Powell. It’s a convenient, well-equipped mobile home park surrounded by natural beauty. It is a safe, friendly, relaxing and peaceful neighborhood. Perfect for recent retirees, re-located professionals and peace-loving folks. You get to enjoy a safe environment and beautiful views at this Arizona mobile home park.

Lake Powell Mobile Home Village currently has 8,000 residents. A lot of visitors also visit and stay in the place temporarily, to have a peaceful and relaxing home while being away from the city. Despite its nature-oriented environment and serene atmosphere, it is equipped with modern amenities and well-maintained utilities. Schools, health care, community services and shopping centers are also nearby, so that wouldn’t be a problem. You’ve got everything you need here.

Now that you know where the hottest spots for mobile homes in Arizona are, think about protecting your investment with mobile home insurance. Reach out to us today to learn more.

Filed Under: Mobile Home Insurance Tagged With: Best Mobile Home Park, Prescott's Finest Mobile Home Park, Superb Mobile Home Park in Tucson

Reasons Why Manufactured or Modular Homes are Classified Differently

January 6, 2017 by Steve Gebhardt

Mobile home

If you are looking to buy a home on a budget you may feel a little overwhelmed with questions.  What do I need to know? What should I read? Is there a mobile home buyer’s guide? Are mobile homes and modular homes the same things?  Where do manufactured homes come in?  Have no fear; we have put together a list of the important differences and distinctions of these types of homes.  In any home buying situation, do your research, choose your future home wisely and make sure you have enough insurance to protect your home and above all make sure you have home owners insurance and mobile home insurance coverage.

While many people use the phrases “manufactured home” and “modular home” interchangeably, the two are quite different.  When looking at your housing options it is important to know what type of home you are looking at and the differences between a manufactured or modular homes classification.

Another complication to the discussion is that many people think of manufactured homes and mobile homes as the same things; which they are, mostly.  Mobile homes are technically homes built prior to 1976 and HUD-established standards.  Mobile homes that were built after this time frame and adhere to the HUD regulations regarding design and durability are considered manufactured homes.  For our purposes, we will use the terms interchangeably.  Modular homes and manufactured/mobile homes, however, have some very distinct differences.

Code Regulations

A manufactured/mobile home is created and built at a factory and must meet federal building code regulations established by HUD (the Department of Housing and Urban Development).  These regulations are regularly reviewed and updated by HUD as needed.  While the initial regulations began in 1976, there were major additions to HUD’s standards in 1994 and 1999.  HUD established strict building codes in order to eliminate mobile home hazards due to poor construction.

A modular home is also made at a factory but must meet local or state regulations.  Modular home standards can vary based on locations, so research your local and state laws carefully prior to purchase.  Your contractor should already be familiar with these codes, but make sure that you obtain all necessary local and state permits and your home is built to code.

Assembly

Compared to a site-built home, a modular home is quite similar.  While a site-built home is constructed and put together in the lot of the home, a modular home is prefabricated in a factory and then assembled at the site of the home.

A manufactured home is built on a non-removable steel structure and transported to the destination site.  If there are multiple parts of the manufactured home, they will be assembled at the site.  These pieces are moved on wheels and the homes itself, even after assembly, may be mobile.  Depending on the home and location, the home may be attached to a permanent structure or it can be anchored to a more adjustable foundation.

Value and Pricing

Modular homes are most similar to traditional site-built homes.  Because of the way this type of home is made and assembled, the pricing and value is similar to a site-built home.  It may cost more to purchase a modular home than a manufactured one.  But your modular home has a better chance at retaining its value and appreciating over time.

Manufactured, or mobile homes, are less permanent structures.  These homes are quite a bit different than site-built homes.  Their pricing and value seem to reflect that.  They tend to be more much more affordable than site built or modular homes but can also depreciate in value.

Size and Structure

Modular homes are much closer to traditionally site-built homes in their permanent foundations.  This gives you have much more flexibility in the architectural design and customization available.  You can work with an architect to design your modular home and have it built to your specifications.  You have many more choices than you would with a mobile home.

Manufactured homes only vary in width.  You can purchase a single, double, or triple-wide home, but you can’t purchase a second-story mobile home.  While the basic design of a manufactured home can’t be modified, you can make customizations inside the home.  Due to the way these homes are constructed, mobile home remodeling is limited to the interior of the home.

Communities

Modular homes are generally more similar to traditionally built homes in that there are neighborhoods but less specific “park” focused communities.

Manufactured/mobile homes will typically be part of a mobile home park.  This community is made up of your neighbors and will have its own set of rules and regulations.  It is important to get to know your community and its rules prior to purchasing a home.  You can stop by a prospective mobile home park in Arizona and talk to the residents.  There are also reviews online designed to help you find the most enjoyable mobile home parks.  Each park will have its own rules and its own activities and resident events.

Regardless of the type of home you choose, make sure to work with an experienced insurance agent to protect your investment and belongings.   Choosing the perfect home will greatly depend on your needs.  Your budget, lifestyle and dream home design will all play a part in deciding which type of home is perfect for you.  Now that you know the differences between a manufactured or modular homes classification, you are better equipped to decide which is best for you.

Filed Under: Mobile Home Insurance, Home Insurance Tagged With: Assembly, Code Regulations, Communities, Size and Structure, Value and Pricing

10 Widely Believed Mobile Home Myths

December 19, 2016 by Steve Gebhardt

Despite the presence of mobile homes across the country, there are still a lot of common misconceptions about these types of homes. If you are looking for an affordable path to home ownership, mobile homes have a lot to offer. We’re offering this debunking of widely believed mobile home myths to you as a guide to finding a new mobile home. We’ve also included some remodeling mobile home tips so that if you choose a mobile home, you can get the most out of it.

1.   Mobile Homes Are Easily Damaged

When people discuss mobile homes that are highly susceptible to damage, they are often talking about homes that were built pre-1976.  The US Department of Housing and Urban Development (or HUD) established safety guidelines and oversight of mobile homes in 1976.  These guidelines were revised again in 1994 and 1999, increasing safety standards even further. Older mobile homes that were built prior to HUD oversight may live up to the stereotype of being poorly built and easily damaged, but newer homes have more stringent standards. Mobile homes built to HUD code should be structurally sound and properly anchored, making them much more durable than their older predecessors.

2.   Mobile Homes Are Substandard

This is another myth that can be debunked. Newer homes, built to HUD standards, can in fact be used as long-term housing. This is because they are built with the same durable, reliable materials as traditionally-built houses. Mobile homes are regulated and approved by National Conference of States on Building Codes and Standards and HUD. Standards are strictly followed before any of these are sold to the public.

3.   They All Look Alike

While some manufactured homes resemble each other, they are not all similar in shape and sizes. Mobile homes are no more the same than traditionally built neighborhoods that utilize similar floor plans and structures multiple times. Mobile homes can be custom-made and remodeled to reflect a wide array of taste and styles. They come in a wide range of exterior and interior options and designs.There are manufacturers that make luxury mobile homes featuring walk-in closets, stonework fireplaces, hardwood floors, custom kitchen cabinets and wrap-around decks or porches.

4.   These Homes Lack Class

Beauty is in the eye of the beholder. While older mobile homes may need a new coat of paint or other types of TLC, you may also choose to purchase a newer, custom home that comes with luxury amenities and all the bells and whistles. Don’t be fooled by this stereotype. While mobile homes are generally more affordable than traditionally built homes, some are priced at $130,000 or more. A mobile home can be as classy as an owner wants to make it. Whether you remodel an existing home or customize it directly from the manufacturer, you can purchase a home you can be proud of.

5.   Mobile Homes Are Tornado Magnets

Don’t underestimate the strength and durability of mobile homes.They are designed and constructed to withstand tornadoes and strong winds. This myth may have originated because many mobile houses are located in places where tornadoes are common. A mobile home that is properly built and installed is no more likely to be damaged than its traditional counterparts.

6.   Mobile Homes Are Susceptible to Fire

Manufactured or mobile housing is as safe as site-built homes when it comes to withstanding fire and similar problems. To understand this myth, you first need to ask, “Why do mobile homes burn down?” The most common cause of fire is human error. If you have unsafe practices at home such as overloading outlets or neglecting smoke detectors you increase your odds of fire hazards. This is true in any home, mobile or otherwise.

7.   Mobile Housing Does Not Appreciate in Value

Depreciation and appreciation in value do not depend on whether your house is site-built or manufactured. Appreciation of any type of home is generally determined by location, proper maintenance and supply and demand.

8.   Mobile Homes Are Less Energy-Efficient

Times have changed and energy efficiency has been taken seriously now by mobile home manufacturers. The more recent mobile homes are being built with energy efficiency in mind.  Newer mobile homes often utilize energy-efficient lighting and windows. If you have an older home, you can always upgrade or remodel to make your mobile home as environmentally friendly and efficient as possible.

9.   These Homes Are Difficult to Finance

Manufactured homes were previously financed or purchased as personal property, making loans more difficult to obtain. Today, it’s easier to finance. They are now generally financed as real estate. There are programs like the Federal Housing Administration and Department of Veterans Affairs that offer loan insurance for these types of mortgages.

10. Mobile Homes Are Only for Low-Income People

This myth is not only wrong, but condescending as well. Mobile homes are just as durable, homey and reliable as traditionally-built houses. Stop by into some of the best mobile home park in Arizona and talk with the residents to give you insights that can help you decide.

If you’re convinced that these myths about mobile homes are inaccurate and are going to buy or already have a mobile home of your own, don’t forget to have it insured.

Filed Under: Mobile Home Insurance Tagged With: Easily Damaged, Look Alike, Substandard, Susceptible to Fire, Tornado Magnets

Can You Save Money by Bundling All Insurance in the Same Company?

August 22, 2016 by Steve Gebhardt

Can your Casa Grande insurance agent really save you money by bundling your policies?  The short answer is yes, and here’s how to “Bang for Your Buck“:

  1. Discounts, discounts, discounts. An insurance company is anxious to earn your business and will want to earn as much of it as possible.  To that end, many insurers will offer discounts if you bundle multiple policies.  Some Casa Grande insurance companies can offer you homeowners, business insurance bundles, vehicle and umbrella insurance all in the same place.  The more insurance policies you bundle, the deeper the discounts.  Bundling is an easy way to be fully insured and save money on your insurance premiums.  It is far more expensive for an insurance company to earn new business then to keep an existing customer.  This encourages them to offer you deep discounts to bring all of your business to them and stay with them.  Once a customer has moved his/her policies to an insurance company he or she is less likely to go elsewhere.  The eagerness of the Casa Grande insurance companies to earn your business, and as much of it as possible, is your opportunity for big savings.
  2. Convenience: There is something incredibly simple about having all your insurance policies with one carrier. If you have multiple policies with different carriers you can look forward to multiple bills in the mail every month, different policy cards to keep track of and multiple phone numbers and calls that have to be made.  When you bundle your policies you can streamline all of that.  Your many different monthly bills can be consolidated into one.  If you only have one payment to keep track of you are much more likely to pay your bill on time, avoiding any late fees and penalties.  You also get to limit yourself to working with one company, one insurance card and one system of filing a claim.  Working with your Casa Grande insurance company to bundle your policies can make your life simpler and your insurance premium easier to pay and manage.
  3. Coverage: There are instances where your insurance policies can either overlap or have gaping holes.  Bundling your insurance with the same company allows an agent to review your coverage comprehensively and identify any gaps.  That same agent can review all your policies to see if you have any overlapping coverage and make adjustments to save you money.  The key to successful coverage, whether you choose to bundle policies or not, is to understand your insurance policies and coverage benefits.  Work with your Casa Grande insurance company and agent to thoroughly review your coverage and identify any overlapping items that can be reduced to save you money.
  4. Deductibles: When you bundle policies you may only be required to pay one deductible when you would otherwise have to pay multiple deductibles with different carriers. com gives an example, “But what if…, your car is damaged by the same hailstorm? If you don’t bundle, you might have to pay the $1,000 home insurance deductible and a $500 auto insurance deductible before you received help from your policies. Some providers, when you bundle coverages, have a single deductible requirement – though usually you have to pay the larger of the two deductibles. Even if your Casa Grande insurance company requires you to pay the higher of any applicable deductibles, it could still be more cost effective than paying multiple deductibles to multiple carriers.  In this instance, if you have bundled your policies, the claim process is also simplified.  You only have to pay one carrier and you only have to file one claim.  When dealing with an unexpected accident or property damage, the least amount of work and inconvenience the better.

Bundling is usually, but not always, a good idea.  If you need specialized coverage, you may not get the best deal bundling.  It may be most cost effective to separate out your policies so that you can obtain the best rate for your specialized needs.  Bundled policy rates will vary by insurers so even if you are bundling you will want to shop around.  Also, an insurer may require a long term commitment from you to qualify for the savings, so make sure you are getting the best deal possible before committing.

The savings of time, money and headaches can be reflected in a study published by Insurance Journal.com  as they studied Generation Y and their satisfaction with their insurance.  This article demonstrates that, “Members of the Gen Y generation, who were born between 1977 and 1994, are less satisfied with their homeowner’s insurers than others.  One reason may be because Gen Y home owners are less likely than older or younger customers to bundle their insurance policies with a single insurer….Satisfaction among bundlers averages 810 vs. 741 among non-bundlers.”  This report reflects higher satisfaction rates for those customers that bundle their insurance.  The financial and logistical savings make bundling a great option for most.  Your Casa Grande insurance company can review your specific circumstances and make sure that the advantages to bundling are a good fit for you.

Filed Under: Auto Insurance, Business Insurance, Home Insurance, Insurance, Life Insurance, Mobile Home Insurance, Uncategorized Tagged With: bundling insurance, Casa Grande, save money

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719 E Cottonwood Lane, Suite #1
Casa Grande, AZ 85122

44400 Honeycutt Rd, Suite #102H
Maricopa, AZ 85138

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    Casa Grande Insurance Agency Accessibility Statement

    Accessibility Statement

    • www.gebhardtinsurancegroup.com
    • May 18, 2022

    Compliance status

    We firmly believe that the internet should be available and accessible to anyone, and are committed to providing a website that is accessible to the widest possible audience, regardless of circumstance and ability.

    To fulfill this, we aim to adhere as strictly as possible to the World Wide Web Consortium’s (W3C) Web Content Accessibility Guidelines 2.1 (WCAG 2.1) at the AA level. These guidelines explain how to make web content accessible to people with a wide array of disabilities. Complying with those guidelines helps us ensure that the website is accessible to all people: blind people, people with motor impairments, visual impairment, cognitive disabilities, and more.

    This website utilizes various technologies that are meant to make it as accessible as possible at all times. We utilize an accessibility interface that allows persons with specific disabilities to adjust the website’s UI (user interface) and design it to their personal needs.

    Additionally, the website utilizes an AI-based application that runs in the background and optimizes its accessibility level constantly. This application remediates the website’s HTML, adapts Its functionality and behavior for screen-readers used by the blind users, and for keyboard functions used by individuals with motor impairments.

    If you’ve found a malfunction or have ideas for improvement, we’ll be happy to hear from you. You can reach out to the website’s operators by using the following email

    Screen-reader and keyboard navigation

    Our website implements the ARIA attributes (Accessible Rich Internet Applications) technique, alongside various different behavioral changes, to ensure blind users visiting with screen-readers are able to read, comprehend, and enjoy the website’s functions. As soon as a user with a screen-reader enters your site, they immediately receive a prompt to enter the Screen-Reader Profile so they can browse and operate your site effectively. Here’s how our website covers some of the most important screen-reader requirements, alongside console screenshots of code examples:

    1. Screen-reader optimization: we run a background process that learns the website’s components from top to bottom, to ensure ongoing compliance even when updating the website. In this process, we provide screen-readers with meaningful data using the ARIA set of attributes. For example, we provide accurate form labels; descriptions for actionable icons (social media icons, search icons, cart icons, etc.); validation guidance for form inputs; element roles such as buttons, menus, modal dialogues (popups), and others. Additionally, the background process scans all of the website’s images and provides an accurate and meaningful image-object-recognition-based description as an ALT (alternate text) tag for images that are not described. It will also extract texts that are embedded within the image, using an OCR (optical character recognition) technology. To turn on screen-reader adjustments at any time, users need only to press the Alt+1 keyboard combination. Screen-reader users also get automatic announcements to turn the Screen-reader mode on as soon as they enter the website.

      These adjustments are compatible with all popular screen readers, including JAWS and NVDA.

    2. Keyboard navigation optimization: The background process also adjusts the website’s HTML, and adds various behaviors using JavaScript code to make the website operable by the keyboard. This includes the ability to navigate the website using the Tab and Shift+Tab keys, operate dropdowns with the arrow keys, close them with Esc, trigger buttons and links using the Enter key, navigate between radio and checkbox elements using the arrow keys, and fill them in with the Spacebar or Enter key.Additionally, keyboard users will find quick-navigation and content-skip menus, available at any time by clicking Alt+1, or as the first elements of the site while navigating with the keyboard. The background process also handles triggered popups by moving the keyboard focus towards them as soon as they appear, and not allow the focus drift outside of it.

      Users can also use shortcuts such as “M” (menus), “H” (headings), “F” (forms), “B” (buttons), and “G” (graphics) to jump to specific elements.

    Disability profiles supported in our website

    • Epilepsy Safe Mode: this profile enables people with epilepsy to use the website safely by eliminating the risk of seizures that result from flashing or blinking animations and risky color combinations.
    • Visually Impaired Mode: this mode adjusts the website for the convenience of users with visual impairments such as Degrading Eyesight, Tunnel Vision, Cataract, Glaucoma, and others.
    • Cognitive Disability Mode: this mode provides different assistive options to help users with cognitive impairments such as Dyslexia, Autism, CVA, and others, to focus on the essential elements of the website more easily.
    • ADHD Friendly Mode: this mode helps users with ADHD and Neurodevelopmental disorders to read, browse, and focus on the main website elements more easily while significantly reducing distractions.
    • Blindness Mode: this mode configures the website to be compatible with screen-readers such as JAWS, NVDA, VoiceOver, and TalkBack. A screen-reader is software for blind users that is installed on a computer and smartphone, and websites must be compatible with it.
    • Keyboard Navigation Profile (Motor-Impaired): this profile enables motor-impaired persons to operate the website using the keyboard Tab, Shift+Tab, and the Enter keys. Users can also use shortcuts such as “M” (menus), “H” (headings), “F” (forms), “B” (buttons), and “G” (graphics) to jump to specific elements.

    Additional UI, design, and readability adjustments

    1. Font adjustments – users, can increase and decrease its size, change its family (type), adjust the spacing, alignment, line height, and more.
    2. Color adjustments – users can select various color contrast profiles such as light, dark, inverted, and monochrome. Additionally, users can swap color schemes of titles, texts, and backgrounds, with over 7 different coloring options.
    3. Animations – epileptic users can stop all running animations with the click of a button. Animations controlled by the interface include videos, GIFs, and CSS flashing transitions.
    4. Content highlighting – users can choose to emphasize important elements such as links and titles. They can also choose to highlight focused or hovered elements only.
    5. Audio muting – users with hearing devices may experience headaches or other issues due to automatic audio playing. This option lets users mute the entire website instantly.
    6. Cognitive disorders – we utilize a search engine that is linked to Wikipedia and Wiktionary, allowing people with cognitive disorders to decipher meanings of phrases, initials, slang, and others.
    7. Additional functions – we provide users the option to change cursor color and size, use a printing mode, enable a virtual keyboard, and many other functions.

    Browser and assistive technology compatibility

    We aim to support the widest array of browsers and assistive technologies as possible, so our users can choose the best fitting tools for them, with as few limitations as possible. Therefore, we have worked very hard to be able to support all major systems that comprise over 95% of the user market share including Google Chrome, Mozilla Firefox, Apple Safari, Opera and Microsoft Edge, JAWS and NVDA (screen readers), both for Windows and for MAC users.

    Notes, comments, and feedback

    Despite our very best efforts to allow anybody to adjust the website to their needs, there may still be pages or sections that are not fully accessible, are in the process of becoming accessible, or are lacking an adequate technological solution to make them accessible. Still, we are continually improving our accessibility, adding, updating and improving its options and features, and developing and adopting new technologies. All this is meant to reach the optimal level of accessibility, following technological advancements. For any assistance, please reach out to