Fisher Insurance Group
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Here at Fisher Insurance, we are dedicated to you and all your different insurance needs. We stay current on policy trends to help keep your family protected with only the highest A/A+ rated carriers. We do so through my participation in IIABAZ (Independent Insurance Agent & Brokers of AZ), CISR (Certified Insurance Services Representative), and professional accountability groups.
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Because everyone's needs are not the same, it is best to consult your agent to help assess your needs and find the insurance policy that is right for you.
What is Homeowners insurance?
Homeowners insurance provides financial protection against disasters.
A standard policy insures the home itself and the things you keep in it.
Homeowners insurance is a package policy.
This means that it covers both damage to your property and your liability or legal responsibility for any injuries and property damage you or members of your family cause to other people.
What is auto insurance?
Auto insurance protects you against financial loss if you have an accident.
It is a contract between you and the insurance company.
You agree to pay the premium and the insurance company agrees to pay your losses as defined in your policy.
Liability coverage pays for your legal responsibility to others for bodily injury or property damage.
Medical coverage pays for the cost of treating injuries, rehabilitation and sometimes lost wages and funeral expenses.
An auto insurance policy is comprised of six different kinds of coverage.
As a business owner, you need the same kinds of insurance coverages for the car you use in your business as you do for a car used for personal travel -- liability, collision and comprehensive, medical payments (known as personal injury protection in some states) and coverage for uninsured motorists.
In fact, many business people use the same vehicle for both business and pleasure.
If the vehicle is owned by the business, make sure the name of the business appears on the policy as the "principal insured" rather than your name.
What kinds of health insurance are there?
There are essentially two kinds of heath insurance: Fee-for-Service and Managed Care.
Although these plans differ, they both cover an array of medical, surgical and hospital expenses.
Most cover prescription drugs and some also offer dental coverage.
These plans generally assume that the medical professional will be paid a fee for each service provided to the patient.
Patients are seen by a doctor of their choice and the claim is filed by either the medical provider or the patient.
Unless you have a true recreational vehicle insurance package, you could be in for an unpleasant ordeal should you experience a loss with your RV.
Your auto and homeowner's policies may not cover such items as appliances, plumbing or accessories.
Without true Recreational Vehicle insurance, your emergency expenses incurred while traveling would undoubtedly come out of your own pocket.
A typical travel trailer insurance policy from an auto carrier will include physical damage coverage only.
Our A + rated motorhome insurance and travel trailer insurance companies provide coverages far above and beyond the modest coverage provided by your auto insurance company.
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