Homeowner Insurance in Arizona for Canadians

Our good friends up north are buying a lot of homes in Arizona. And who can blame them? With incredible prices for homes throughout Arizona now is the best time to buy a home – whether you live in AZ or not.

If you are a Canadian resident and you are searching for low cost insurance let us help. We have many clients from all over Canada and we help them find LOW rates on homeowner insurance.

Some of the homeowner policies that we have found for our Canadian clients are as low as $400 – $600 or so per year. Obviously, most insurance carriers give a lower rate for new homes. As a home ages the homeowner insurance premium tends to go up. Arizona is one of the most popular destinations for Canadian residents. They come here buying homes and looking for Canadian insurance in Arizona> to protect their investment. Some buy vehicles.

To service our Canadian clients we shop Arizona insurance with top ranked and top rated insurance carriers. Are you already a homeowner who wants to shop around for new insurance? Or, are you buying a home and need home insurance in Arizona?

We offer great rates on Home Insurance in Arizona by shopping and comparing rates with leading and top rated insurance carriers. There is no obligation and the quotes are free and easy.

Even if you are an Arizona resident who needs Home Insurance in Arizona or live outside Arizona (Canada or California for example) and you are buying a home in Arizona, we can assist you in finding low cost homeowner insurance.

Clients in Canada and around the U.S.

We have many clients who live in places like Canada, California, Wisconsin, Minnesota and elsewhere but they own homes in Arizona as seasonal / second residences or as rental, investment properties.

Need to insure your primary home? Rental Property? Vacation/Seasonal Home?

Let us handle your Home Insurance in Arizona and you will find our rates to be extremely competitive.

Do you need Rural Metro?

If you buy home insurance outside Maricopa or any other town outside a major city, be sure to check into the fire department coverage available. Some smaller communities in Arizona do not have a fully staffed fire department. Instead, they often rely on private service from companies like Rural Metro Fire Dept.

Playing around with your fire protection service is dangerous. If your town has no official fire dept and you choose not to subscribe to a service like Rural Metro, you could be potentially on the hook for major costs should your home catch on fire.

In areas where Rural Metro is the available service it is my understanding that they will still reply to your call for help. However, if you are a non-subscriber they will bill you a ton of money per hour their services are used. And these costs are not covered by your insurance policy.

If you want a quote for your primary home, vacation-seasonal home, or rental property please contact me. We offer rates through a variety of top ranked and top rated insurance carriers.

Our goal is to save you money while providing with a top insurance provider.
It’s been amazing watching the number of our northern neighbors buy homes in Arizona. And who can blame them? Arizona home prices are probably half price of what they sold for just a few years ago.

According to the National Association of Realtors Canadian residents were the # 1 foreign buyers of U.S. properties in 2009. And my hunch is they will again lead the pack in 2010.

What do I have to say about that, you might ask. Welcome to Arizona, Mr. and Mrs. Canadian resident. We welcome you!!

It’s not uncommon for Canadians to pay 3x or 4x the price in their own country, so why wouldn’t they invest in a home that will likely appreciate in the future and offers them a great place to vacation.

IF YOU ARE A CANADIAN AND NEED HOME INSURANCE – please contact us for a quote. We shop with a number of leading and top rated insurance carriers to find great rates.

As an independent insurance agent and broker, I am pretty lucky. My job allows me to contract with various insurance carriers and offer insurance to clients through many different insurance companies.

Which brings me to the subject of offering vacation home insurance in Arizona.

Some people call for a quote but live out of state. Not every insurance company wants to insure a home when the owner lives far away. Yet, there are insurance companies that are ok with that risk.

If you are buying a vacation or 2nd home and need, please contact us for a quote. We can insure single family dwellings, condo’s and townhomes.
Over the past two years we have received quite a few calls and emails from Canadian residents buying a home in Arizona. Usually the home being purchased will be used as a vacation home or 2nd home.

We are very grateful that so many of our neighbors to the north are buying homes here. It helps our economy tremendously. And knowing they own homes in Arizona will virtually ensure they spend time and money here. So welcome to all you Canadian citizens who are buying your Arizona vacation home and Arizona 2nd home.

We also help with those buying homes in Arizona for investment purposes as rental properties.

If you live outside of Arizona, even in Canada, and are buying a home in Arizona please contact us for a great rate on your insurance.

Buy a car on black Friday

Here is a tip for NEXT year!

According to a recent report, statistics indicate that if you are going to buy a vehicle your best time is – Black Friday.

So instead of shopping for that big screen television or washer/dryer, consider buying your car on Black Friday and save money.

On every other day of the year the average person pays 4.7% under the stated sticker price. On Black Friday the average discount is 7.5%. Car dealerships see the buying frenzy each year and they too are trying to pry your money away by giving a better discount that day than on any other day of the year.

The other reason for good deals on Black Friday? It is year end and dealers are hoping to clear the current models to make way for the next season’s models.

When you buy Arizona Insurance use an Arizona Independent Insurance Agent and Broker to save up to 35% on your Auto, Home, Life and Business Insurance.

And hey, don’t forget to contact Choice Insurance of Arizona for your

Our Aging Population

If Paul Revere were alive he may be found driving along our neighborhoods shouting “the baby boomers are coming”.

Next year the first wave of baby boomers begin hitting the ripe age of retirement. That means America is entering a phase where automakers will have to keep in mind an older generation when it comes to car making.

By the year 2020 it is estimated over 15% of our population will be age 65 or older.

Here are some concerns for car makers:

Older drivers tend to drive less. That means cars will last longer.
Driving less means fewer repairs.
Older drivers tend to have fewer cars in their driveway.
Older drivers like nicer vehicles but tend to buy smaller vehicles.

These and other factors will put more pressure on U.S. car makers to keep up profits. Expect more auto makers from the United States and elsewhere to focus more and more on markets like China and India.

It’s easy to keep your insurance carrier when it automatically renews every six or twelve months. But why not check around once in awhile to ensure you are getting a good deal. We can shop and compare your insurance with a lot of top rated and top ranked insurance companies to help you save hundreds.

Detroit Auto Show

As the annual Detroit Auto Show opens on Saturday (the media has early access) most car makers are ready to show off a variety of new looks and styles.

Chrysler, on the other hand, will have merely one new model to display – Lancia, which is from their Italian counterpart and owner of Fiat. Fiat owns a 20% stake in Chrysler.

Sadly, the automaker has many experts wondering about their future considering their lack of new models and offerings. The Detroit show is a ritual and time of using the media to greatly tout to the general public an automakers vibrant new products. The silence from Chrysler seems to be speaking volumes. Instead of using words like “vibrant” and “turnaround” to describe Chrysler, some are seeing a brand that just may go away.

Ford and General Motors are busy showing off several new vehicles and generating lots of excitement. Both have earned favorable reviews from analysts.

Tips When Buying a Vehicle

These are common mistakes that most of us make or have made when we buy a vehicle. Keep in mind that car sales people are not your friend. Their job is to become your friend as quick as possible to make the deal sweeter for them and the dealership. Also, they sell cars every single day and grow quite good at their job. To assume you can walk into a dealership and compete with their car-negotiation skills is often foolish.

1) Begin with a budget. This includes knowing how much you can afford to pay monthly. And when negotitating price with the sales person also keep in mind that you may have to include the costs into your budget of an extended warranty (if you plan on asking for one) when you sit down with the finance manager. Just because you agree on a monthly payment does not mean your deal is done.

2) Negotiate the “price” of the car, not the monthly payment. You successfully accomplish this by spending time scouring the internet and other advertisements to get a good feel for what specific vehicles and models sell for. If you walk into a dealership without doing your research you likely will over pay big time.

3) Get your financing put into place before you ever set foot onto a dealership. Know the interest rate you qualify for.

4) Contact a dealership via the internet. Almost all dealerships have someone who handles internet inquiries. I’ve actually bought a car that was negotiated entirely through email. When all was said and done I virtually walked into the dealership and signed. There was the matter of meeting the finance person and negotiating the extended warranty, but even that went well.

I hope these tips help you. Consider getting a quote from us the next time you are searching for low cost Arizona insurance.