Entries by Tosten

Why Real Estate Investors Should Choose Gila Insurance Group

As you build your investment team, everyone knows about getting a lender, a real estate agent, a property manager, etc. But far too many people forget about adding an insurance broker to their team. Yet getting the right insurance broker on your team is important, the loan officer will require an insurance policy, and there […]


According to the most recent statistics provided by the Insurance Information Institute (2012), 11% of driver’s are uninsured in Arizona. That means that just over 1 in 10 drivers don’t have insurance, at all. Nationally that number is closer to about 12%. There are a lot of uninsured motorists! There are probably many more that are under-insured, but […]

Rental Property Insurance Checklist

THE MUST-HAVE CONVERSATIONS WITH YOUR INSURANCE AGENT! INVESTMENT PROPERTY Proper Investment Valuation:  __________ The Coverage Form – DP3- What’s Covered:  __________ Loss Settlement Option for Home:  __________ Deductible:  __________ Water Backup of Sewer or Drains Coverage:  __________ Earthquake:  __________ Flood:  __________ Building Code Upgrade Coverage (Ordinance and Law):  __________ OTHER STRUCTURES Value of Other Structures […]

Rental Home Insurance Coverage Simplified

Insurance is complicated but understandable if broken down into small portions. That’s what we try to do. It’s rental home insurance coverage simplified, really! RENTAL HOME INSURANCE COVERAGE SIMPLIFIED… REALLY Let’s be real about the insurance purchasing process for investors. You know you need it or more likely your lender requires it, so you buy it. You […]

Mobile Home Insurance Partners

For Mobile Home Insurance, Gila Insurance Group LLC has partnered with American Modern Insurance Group and Foremost Insurance. We know it can be a headache searching for quality mobile home insurance at an affordable price, so we try to provide great options in one place. When it comes to our partners there are several things […]

Coverage C Personal Property Insurance

Personal Property Insurance is important, but often overlooked. What’s included in personal property? It’s what you put in the moving truck, or what would fall out of the home if you could pick it up and turn it upside down. Your clothes, furniture, electronics, toys, some appliances, and all the stuff in your garage. So […]

Understanding Comprehensive & Collision Coverage

Somewhere along the way people started asking for “full coverage.” Usually this coverage refers to what an auto insurance policy refers to as collision and other than collision (comprehensive). These are pretty straight forward so we will take a look at these coverage options together. Collision is defined as impact with another vehicle or object. Pretty straight forward, […]

How to File an Insurance Claim

HOW TO FILE AN INSURANCE CLAIM Insurance claims don’t have to be difficult. They are never going to be convenient, but they can go smoothly. Knowing what to expect is half the battle, and being proactive can help things move along. There are a few basic steps in the claims process. Preparing to call – Before you call to file […]

Why You Should Require Your Tenants to Have Renters Insurance

Do you require your tenants to carry renters insurance? If not, you should. Why? Because it matters. I have a cousin that is a defense lawyer for a large insurance company. He defends them for liability cases. He has seen ALL sorts of crazy situations, and has a way of telling the story. The other […]

Home Insurance – Section 1 Exclusions

Understanding what’s not covered on your insurance policy lets you know what other insurance coverage you might need. Here are some of the BIG Exclusions. Section I Exclusions – A Soap Box What! Not everything’s covered? Not everything is covered. That’s the bottom-line. Something’s we can find coverage for, while for other things, we are […]