When I moved to Arizona in 2001, I purchased my auto and homeowner’s insurance through American Family Insurance . . . and didn’t think about it again for seven years. You would think after being a customer for that long and insuring three homes and two vehicles, that I would have earned the best rates available. Think again!
Last year, I met Jayson Hoffer with Farmers Insurance (480-518-0747) and, believe me; I’ve never met anyone so excited about insurance! Jayson convinced me to let him review my policies for free with no obligation to work with him or switch to Farmers. I figured “Hey, what the heck . . . nothing to lose, right?”
I was shocked by what I learned. Jayson educated me on the real value of coverage. “What if someone who is uninsured hits you and you can never walk again? What are you worth?” According to my policy with American Family, I was worth $50k. Think about that for a minute . . . if I had been hit by a driver with no insurance and had been injured to the point of being disabled for the rest of my life, I would have received a mere $50,000 from my insurance company.
Today, Jayson Hoffer (480-518-0747) handles all of the my insurance needs which include three properties, two vehicles, life insurance, my business insurance plus an umbrella policy. With Farmers, I now have – and I’m not exaggerating – FIFTEEN times the coverage I had with my old insurance company.
And the rates? We are actually paying LESS than what we were paying before for a fraction of the coverage we have now. How is that possible? Well, for starters, my husband and I were not getting all of the multiple policy discounts for which we were eligible. It seems most insurance agents have an attitude of “If they don’t ask, don’t give them the discount.” Jayson also got us additional discounts based on our good credit scores and the fact that we do not have any tickets or accidents on our records. We had mistakenly assumed that we were already getting these discounts from our old company, but again, we learned that our agent with American Family hadn’t bothered to look out for our best interest. After all, higher premiums, meant higher commissions for him, right?
Jayson Hoffer (480-518-0747) simply doesn’t think that way. His number one priority is the best interest of his clients and he knows that by making sure each of his clients is getting the best coverage at the best rates available, he’ll ultimately earn the referrals of their family and friends . . . which is why I refer him to my friends as well as my real estate clients, every chance I get.
Speaking of real estate, Jayson also educated me recently on the issue of insurance for vacant homes. Since I specialize in selling foreclosure properties and negotiating short sales for clients who are “upside down” in their properties, most of my listings are unoccupied. Vacant homes are a concern for insurance companies because they are at higher risk for vandalism and theft. Also, a leaking pipe that otherwise would not be much trouble could turn into a big problem if left unattended. If the insurance company is not notified that the property is vacant, the policy could be cancelled if they find out, and a claim could be denied because of this, as well. Each insurance company has their own guidelines with regard to vacant houses and some won’t insure them at all. Jayson Hoffer (480-518-0747) informed me that Farmers has an affiliate company called Foremost Insurance that handles coverage of properties that don’t qualify for standard insurance. The Foremost Vacant Program sets itself apart from the rest by offering specialized coverages developed for the unique insurance needs of a vacant home and its owner.
If you haven't had your insurance policies reviewed recently or if you have a property that is vacant, I encourage you to give Jayson Hoffer a call at 480-518-0747 for a quote and make sure your *#! is covered!