Services

Services

Services

At Southwind Insurance Agency we are here first and foremost to help. Be it your home, your rental home, mobile home, auto, motorcycle, ATV, boat, or a combination of any or all of these, we have you covered.

Our best advice comes when you share with us the details of your situation and let us analyze and generate a comprehensive set of recommendations. Our step-by-step process will lead you to a relevant solution and give you the confidence that you have made the right decision.

To learn more about our services, click the drop-downs below.

Auto

Auto or car insurance coverage has two parts. The first is the liability section of the policy. It covers your financial responsibility for injuring others. Some liability coverage is required by most states.

The second part of auto insurance covers the car itself: comprehensive coverage reimburses losses from fire, theft or other perils; collision coverage pays to repair losses caused by an accident. Often this coverage is mandated by leasing companies or banks. There are also ancillary medical, car rental and other coverages which vary by state.

Utilizing high deductibles on the physical damage coverages can help reduce premiums. If you carry umbrella insurance, you must be sure that you carry the required amount of basic liability insurance to avoid a gap in coverage for a serious accident.

ATV

All-Terrain Vehicles (ATV) are becoming increasingly popular. ATVs now come in a variety of models. Insurance companies have a different set of rules for providing coverage for ATVs, depending on the vehicle type.

ATV insurance is very similar to motorcycle insurance. All-terrain vehicles are three, four or six-wheeled buggies used off-road. 4x 4 insurance has the same basic coverages included in the motorcycle insurance policy, tweaked for the needs of off-road enthusiasts.

Southwind Insurance can help you get the specialized coverage you need for your specialized vehicles. We can help you protect your investment and let you get focus on having fun.

Boat

Boat or Marine insurance is available for small boats, yachts, high performance powerboats, live-aboard houseboats, catamarans, or pontoons. Marine insurance will cover intended use including personal recreation, commercial, or charter vessels. Boat policies can cover damage to your boat, motor, trailer, and personal effects in the boat. Available coverage includes liability, medical payments, injury to a water skier and damage to the boat itself, sometimes called hull coverage. Availability varies by state and by insurance company. Even though boat insurance premiums are low, shopping your rate can sometimes save a substantial amount.

Business

As a business owner, you have enough on your mind without having to worry about your insurance needs. You want to have the confidence that the business you’ve built is covered by a company that understands your business insurance needs.

Commercial business insurance provides wide-ranging protection for businesses and their subsidiaries under a single policy. There are various types of commercial business insurance that takes care of property, liability and workers’ compensation, to name a few. While property insurance covers damages to business property and products stored within the premises; liability insurance provides coverage for damages to third parties; and workers’ compensation insurance covers injuries to employees.

Commercial business insurance is an important aspect of any business that cannot be ignored especially if the business premises are leased or rented and even otherwise. Whatever your commercial insurance needs, we can design a protection program that’s right for you.

Classic Car

You may have noticed there’s a big difference between collector car insurance policies and regular use policies, including cost.

Classic car insurance or collector car insurance can save you a significant amount of money and increase your coverage because traditional auto insurance carriers are geared towards insuring a larger volume of vehicles. They simply don’t know how to treat your specialty or collector car.

Classic cars are usually considered antique vehicles (15 – 20 years old or older). Collector cars can also include:

  • Exotic autos new and old
  • Muscle cars
  • Sports cars of all ages
  • Rare or desirable

We understand what collector car owners want and need to protect their investment.

Condo

If you live in a condo or an apartment, condo insurance provides important coverage for both you and your possessions.

In case your house or condo is broken into, destroyed by a fire, or perhaps a friend gets injured at your home, condo insurance provides financial protection for you and your family. It pays for the repair and replacement of lost items as well as any liability issues you may be responsible for.

A condo insurance policy from Southwind Insurance can provide you with coverage for your personal items and personal liability to protect you from the unexpected.

Flood

Did you know that your homeowners and business insurance does not cover flood damage in Arizona? Insurance against flood must be obtained separately or can be added to your home owners insurance policy for an additional premium. A little known fact is that AZ. flood insurance policies can also reimburse you for the work that you and other family members did to sandbag your homes, move furniture and remove debris.

The Federal Emergency Management Agency’s (FEMA) maps are important when it comes to Arizona flood insurance because if they show that your home or commercial building sits in a 100-year flood plain your mortgage company may require you to buy flood insurance to protect the home or business. If you live outside a high-risk zone, or if you no longer have a mortgage, flood insurance is optional but still recommended.

Home & Business Flood Quote Request

Floods are the most common natural disasters in the Arizona and the whole United States for that matter. In recent years floods have hit homes and businesses in all 50 states. There are no “safe” states. Between 20% and 25% of all flood insurance claims are paid to people living OUTSIDE a designated high risk flood area. Flood coverage is protection which all homeowners, business owners, and renters should at least consider.

Home

Did you know that your homeowners and business insurance does not cover flood damage in Arizona? Insurance against flood must be obtained separately or can be added to your home owners insurance policy for an additional premium. A little known fact is that AZ. flood insurance policies can also reimburse you for the work that you and other family members did to sandbag your homes, move furniture and remove debris.

The Federal Emergency Management Agency’s (FEMA) maps are important when it comes to Arizona flood insurance because if they show that your home or commercial building sits in a 100-year flood plain your mortgage company may require you to buy flood insurance to protect the home or business. If you live outside a high-risk zone, or if you no longer have a mortgage, flood insurance is optional but still recommended.

Home & Business Flood Quote Request

Floods are the most common natural disasters in the Arizona and the whole United States for that matter. In recent years floods have hit homes and businesses in all 50 states. There are no “safe” states. Between 20% and 25% of all flood insurance claims are paid to people living OUTSIDE a designated high risk flood area. Flood coverage is protection which all homeowners, business owners, and renters should at least consider.

Landlord

As a landlord, you want insurance that’s tailored specifically to protect your rental properties. A Landlord Protection policy gives you choices when purchasing the insurance coverage you need.

Rental property is a great investment, especially if you protect your assets with excellent coverage. Make sure that you and your property are covered when choosing a landlord protection insurance policy.

Protect Yourself

Landlord Protection liability insurance options protect you and your spouse or domestic partner against personal injury, wrongful eviction, or wrongful entry as well as other non-bodily injury claims such as libel and slander.

Life

When it comes to protecting and securing your family’s financial future, a life insurance policy can provide the most affordable and guaranteed method available. While most people have heard or learned about life insurance products through marketing or conversations with friends, family or agents, they do not feel they have enough knowledge to make an informed decision on their own.

The two most common types of life insurance readily available are term and permanent. Term insurance is designed to go for a certain number of years at a fixed price each month or year. Permanent insurance is designed to cover you for your entire life and can vary depending on the way the premiums are invested by the company and how the policy is set up.

There are many different options available to enhance life insurance policies such as waiver of premium, a lerated death benefit coverage, critical illness or even long term care coverage. It is important that the policy and coverage you select matches your individual needs and will allow for you to make adjustments in the future as your life changes.

Southwind Insurance represents the majority of life insurance companies offering coverage today.

Motorcycle

Whether you’re an enthusiast or a first-timer, having fun, being responsible and being safe in Arizona is what it’s all about. Being responsible includes finding the right AZ. insurance for your Arizona motorcycle.

Motorcycle insurance is a way of sharing the risks of riding between you and your insurance company. The way it works is simple. You pay a set premium to an insurance company for coverage. In return, the company promises to pay for specific financial losses that might occur during the term of the policy.

Most people rely on motorcycle insurance to protect themselves against loss in case of an accident. In many states including Arizona, you must carry basic insurance to cover the cost of losses you cause to others in an accident. If the unexpected happens, insurance gives you peace of mind in knowing you are protected. At Southwind Insurance, we have a variety of motorcycle policy options to meet your needs.

We offer our clients great rates on Arizona motorcycle insurance coverage. We shop multiple Arizona motorcycle insurance companies to find the best combination of price and coverage for you and your motorcycle.

Types of Motorcycles Covered

Most Arizona motorcycle insurance policies offer coverage for cruisers, street sport, touring, high performance bikes, and scooters. If you are a Arizona motorcycle enthusiast, and have needs that are unique to your motorcycle, ask an us for a policy that is right for you.

Uninsured/ Underinsured Motorist Coverage

Protects the driver and passenger of a motorcycle damaged by an at fault driver that is uninsured or underinsured. Underinsured motorist coverage provides additional coverage on top of the injured parties’ liability coverage in the event the injuries cost exceeds their limit of coverage and the limit for the underinsured motorist coverage is higher than their bodily injury liability limit.

Custom Parts and Equipment

Custom motorcycle equipment, parts, and after-market parts are generally not covered by a standard Arizona motorcycle insurance policy. If your motorcycle has been customized, you will require additional coverage. Most carriers allow an insured to purchase additional coverage for these items.

After you complete our online Arizona motorcycle insurance quote process, you will receive a quote on the coverage you requested! This quote will include not one, but many Arizona motorcycle insurance carriers’ rates for you to compare. If you wish to speak to a representative about any questions you have please feel free to give us a call or shoot us an email. We look forward to having the chance of winning your business.

Personal Umbrella

You don’t have to be a millionaire to be sued like one. Million­dollar judgments against individuals for negligence are still relatively rare. However, receiving a lawsuit with a million-dollar demand is more common. If you receive such a court summons and you have only $100,000 of coverage, you may lose a lot of sleep.

Umbrella policies offer inexpensive “peace of mind” for most types of negligence claims. Automobile accidents are probably the most common source of serious claims. This policy supplements your basic automobile liability with extra million­dollar layers of protection. It also covers other types of catastrophic claims such as a neighbor’s child drowning in your pool or the delivery man being seriously injured by falling over your child’s toys.

Renters

If you live in a rented house or an apartment, renters insurance provides important coverage for both you and your possessions.

In case your house or apartment is broken into, destroyed by a fire, or perhaps a friend gets injured at your home, renters insurance provides financial protection for you and your family. It pays for the repair and replacement of lost items as well as any liability issues you may be responsible for.

A renters insurance policy from Insurance Southwind Insurance can provide you with coverage for your personal items and personal liability to protect you from the unexpected.

Vacant Homes

We specialize in insuring Vacant Homes in Arizona.

Many companies do not like to insure vacant homes because it is a higher risk, but Southwind Insurance is here to help!

You might need vacant property insurance if:

  • You are an investor
  • If your house is on the market and you aren’t getting any offers
  • You are the executor of an estate with a vacant property

Most home, fire and dwelling insurance policies exclude coverage if the dwelling is vacant for over 30 or 60 days. It is important you get the right coverage because the risk increases the longer a property is vacant.

When you live in a home or have tenants in a home the property is less likely to be perceived as an easy target by vandals and burglars. Small leaks or electrical issues are also noticed quicker when someone is living in the dwelling. That is why it is a higher risk for vacant properties and regular policies exclude coverage if your home is empty too long.