Life Insurance for a Marriage is Just as Important as a Will

Life is a fragile thing and, as we have all seen in so many stories and events, the unexpected can happen very quickly and with little or no warning. For the individual with no significant others or those depending on him or her, people enjoy life for what it is. However, for those who have a partner, family, children, and dependents, the sudden loss of people can be devastating for more than just the lives lost. Those left behind can be changed dramatically, and far more than just with the grief of a loved lost one passing. This is why it is so important that when one considers developing a financial portfolio that others will depend on, a life insurance plan is a critical component as well.

It is the one aspect of a financial portfolio that directly addresses what happens if the unexpected occurs. Think about it; every other aspect of savings or investing assumes building a nest egg over time. However, what other assets need protection while anticipating the investor suddenly passing away? Only the life insurance plan directly addresses this contingency for loved ones or a family dependent on the investor/income earner.

No one wants to think about it in general discussion, but a sudden loss can turn the life of a left-behind spouse upside down. Genesis Insurance in Phoenix, AZ can help craft a life insurance plan before the unexpected occurs. Arizona is no different than any other location, accidents and unplanned situations occur regularly. But with help from Genesis Insurance in Phoenix, AZ, your loved ones or family will be taken care of if something occurs that would otherwise leave them stranded without you. Your planning with the proper life insurance tools makes sure this unwanted possibility never happens to them.

Reach out to our offices for more information.

How Can Home Insurance Improve Your Resale Value?

Most people don’t think about home insurance when it comes to improving their resale value. They may think it makes far more sense to redo their bathroom or kitchen in order to spark that bidding war they fantasize about. But homeowners insurance in Phoenix, AZ is an excellent way to cover your bases when it comes to taking care of your Arizona home. 

Taking Care of Business 

When something happens to your home, it’s always recommended that you get it taken care of as quickly as possible. The more time that passes, the more likely it is to balloon into something far more expensive. For example, a small patch of water damage can spread quickly across the whole home. Genesis Insurance knows that the right home insurance can make it easier to take care of everything when it is needed. Too many homeowners wait or try to fix the problem themselves, which can severely diminish the quality of their overall home. 

In it Together 

It’s not just the state of your home that makes a difference when it comes to your resale value; it’s the state of the entire block. And while it may not seem like you have very much control over what your neighbors do, you probably have more influence than you think. By taking care of your own home, you send a message to everyone on the block (and everyone who may visit the block) that your property and neighborhood are important to you. 

If you want to be able to do more in the event of a natural or man-made disaster, give Genesis Insurance a call. We’re here to help the people of Phoenix, AZ get coverage that can sustain their homes for as long as they have them!

Commercial Insurance For Your New Business

More people are feeling the entrepreneurial spirit and starting new businesses that serve their Arizona and Texas communities in creative ways. The new business owner has many issues demanding his or her attention. They need to have the business license for the services they provide, a good building, dependable employees, a website, and a catchy business name. It’s important to remember commercial insurance as well. Commercial insurance protects you from those unpredictable events that can close down a business unexpectedly. Here at Genesis Insurance, our agents are ready to assist you in acquiring your commercial insurance. We will listen to your questions, respond to them with answers you can understand, and help you get the policy that serves your business best.

Whether you need a studio, a warehouse, or an office for your new business, you need commercial insurance that matches your needs. Genesis Insurance has been providing access to that coverage to Arizona and Texas with a focus on customer satisfaction. We know the facts about various kinds of liability as well as professional indemnity. Let us help you get a grasp on what might be new terms for you. Professional indemnity is the responsibility that can come to a business owner when a variety of unfortunate incidents happen. From IT issues that interrupt your business and perhaps cause data problems for your clients to the situation of a disgruntled employee causing mischief that brings harm to customers, we’ve seen it all. We can inform you of the issues your kind of business is most likely to encounter. We can provide specialized insurance for your specialized tools and equipment. Call us or visit today and let us enlighten you, provide insurance coverage options, and give you peace of mind.

Is termite damage to my home covered?

Owning a home is a rewarding experience. A place to call your own means you have the freedom to build a life for yourself and your family. Unfortunately, owning a home comes with great responsibility. Homeowners insurance is in place to help handle some of the brunt of responsibility, helping with damages caused by natural disaster, theft, and more. But what happens if you have termite damage in your home?  Is this something that would be covered by home insurance?

In most cases, the answer to this question is, "no." Termites are quite common and are found in every state in the United States except in Alaska. Once a termite infestation begins in your home, the insects have the potential to create absolute havoc on the structure of your house. Unfortunately though, often insurance companies view termite damage as something that could have been prevented with proper care and maintenance. Termites can be regularly checked for if you see evidence of termite damage and can be eradicated if caught in time. In some cases, termite remediation will be covered by homeowners insurance, but not the actual damages done by the termites.  

It can be confusing to understand the ins and outs of homeowners insurance. Having a professional team like Genesis Insurance in Phoenix, AZ on your side can help with difficult questions like this. Proudly serving the residents of Arizona and the nearby state of Texas, Genesis Insurance in Phoenix, AZ is here to help with any existing or new homeowners insurance policies. Arizona and Texas residents regularly turn to our website for assistance with quotes. Using our online rating tool, customers can quickly and easily find a homeowners insurance policy that will fit their needs. Visit our website today to check it out or feel free to give us a call. Our expert team is happy to help.