Checklist for Spring Cleaning Your Home and Car in a Weekend

Spring Cleaning Checklist Safford, AZ

Spring Cleaning Checklist Safford, AZHaving a clean home or a clean car is a great feeling. While it can be a pain to get started mentally, it’s always worth it once it’s complete. Here is a quick checklist to help you when it comes to spring cleaning your vehicle and your home. Consider committing a few hours to your car and your home over a weekend. With a solid to-do list, you may find it takes less time than you think.

Five Things to Do For Your Car –

  • Check the conditions on your tires. Any visible sidewall damage or bulging?
  • Wipe down all windows on the inside. While you’re at it, wipe down your dash with a vinyl cleaner. Not only will it be nice to wipe away any dust or grime, but it can help protect against the sun’s UV rays.
  • Check for the last maintenance visit. How long has it been since your last oil change?
  • Check your wiper blades. Are they cracked or do they leave streaks?
  • Give your car a wash, possible wax and vacuum the interior! If you have the supplies at home, great! If not, drive down to your local car wash to tidy up the interior and exterior of your vehicle. Doing so will help maintain the value of your vehicle.

Five things to do for your home –

  • Dust

Make a checklist of all the areas in your house where dust can collect. We typically look to dust televisions, window sills, baseboards, blinds, picture frames, night stands, the top of cabinets or ceiling fans or bed frames.

  • Organize

Go through your cupboards and closets. Consider donating any clothing you haven’t worn in over a year. Organize your cupboards like your food pantry, junk drawers or storage closets.

  • Change smoke detector batteries

This chore takes less than 5 minutes to complete. If you have a carbon monoxide detector, check the batteries there too.

  • Disinfect

This may take a little more time. It’s always good to wipe out your refrigerator a few times a year. You can disinfect areas like your shower, tub, toilet or wash your shower curtains. Also, disinfect your TV remote, door knobs, computer mouse or drawer handles.

  • Donate

It feels good to get rid of things! Whether it’s going through your closet to donate clothing or going through your garage, getting rid of things can make your life feel organized.

We hope this short checklist to spring cleaning your home or car is helpful. If have questions about your car insurance or other vehicle insurance, contact us! We can also do a policy review for your home or condo insurance. Take advantage of working with a local independent insurance agency to ensure you have the right insurance coverage for your needs.

Customized Vehicle Insurance For Your Car, Truck or Motorcycle

Customized Vehicle Insurance Safford, AZ

Customized Vehicle Insurance Safford, AZA lot of people take great pride in their vehicles and for them it isn’t only an asset, it is something that expresses their individuality. But, if you’re customizing a vehicle, whether it be a car, motorcycle or ATV, you want to make sure that your insurance policy covers the custom parts and equipment as well as the modifications and labor that might be going into it.

Lifted Vehicles

For those of us who have owned or currently own a lifted truck or SUV, they’re a lot of fun! Not only are they more capable off-road, but you get a higher vantage point for visibility and driving them can add to your enjoyment of owning the vehicle altogether. However, be sure to let your insurance agent know that you have a vehicle with modified suspension. In the event of a claim, custom suspension and wheels and tires can be considered custom parts and equipment. This means that unless you have an endorsement for larger, more expensive wheels and tires as well as the lift kit, you may be out the difference in price from stock if you find yourself in a claims situation. Typically this is called a Custom Parts & Equipment endorsement.

Custom Paint

A custom paint job can set your vehicle apart from the rest and express your individuality. If you have a car with a custom paint job on your car or motorcycle, you’ll want to be sure to get the Custom Parts & Equipment endorsement for this too. Custom paint is expensive and if you find yourself without the coverage, you’re not likely to be compensated fairly without it.

Custom parts and equipment (CPE)

The simple rule of thumb with CPE is that if it wasn’t that way from the factory it is considered custom. Custom parts and equipment can include the following items:

  • Stereo system
  • Navigation System
  • Custom Wheels & Tires
  • Lift Kits
  • Paint Jobs
  • Chrome Accessories
  • Custom seat, handlebars, grips, exhaust & more on motorcycles for example.

Custom parts and equipment is not a standard type of coverage. Some insurance companies offer basic CPE coverage for certain types of vehicles like motorcycles but as a rule of thumb and a precautionary, never assume that your custom parts are covered. Be sure to tell your licensed independent agent about the custom parts on your car, truck or specialized vehicle like your motorcycle to ensure you have the right amount of protection and can replace your vehicle in the event of a loss.

Refinancing your home loan? Don’t forget to also shop your insurance.

A Great Time to Refinance Your Home Loan

Today the “fed” just announced an emergency rate decrease making interest rates lower than they have been in a long time. This means while the last several months have been a great time to refinance your home loan, it just got better. Refinancing is a pain, and the point of a refinance is to squeeze every last dollar of savings out of the process. But the savings or other benefits can be substantial and so, we are willing to go through the process of the applications, the gathering of information, the appraisals, underwriting the back and forth and ups and downs. The trouble is that many people miss another important step: shopping their home insurance rates.

Also A Great Time to Shop your Home Insurance

Because insurance is paid by the escrow company in many cases we may not notice the incremental rate increases year after year after year. If we don’t shop the insurance, then it becomes VERY easy to have rates that are uncompetitive without us knowing. Also home insurance companies often change their coverage. Sometimes for the better and sometimes for the worse. So while refinancing gives an excellent opportunity to save, it also is a great opportunity to review and make sure that you have the most up to date coverage options that will better protect your home. Not sure what coverage you might need? Not a problem, we have put together some resources to help you review your coverage on this website that we hope will uncomplicate homeowners insurance coverage.

With all the paperwork it may not seem like a refinance would be a good time to take care of insurance, but it’s a perfect time. New insurance premiums can be paid or closing or with funds that have been sent to you from the closed escrow account from your own loan.

To Bundle or Not – That is The Question

Also, while popular myth states that a bundle is always cheaper, sometimes it’s not. Companies that are great car insurance companies often fail miserably at homeowners insurance and some companies that are awesome at homeowners insurance fail at car insurance, but a loan refinance is a great time to check.

An Easy Process

But getting insurance has to be hard, right? Not with Gila Insurance. You can get multiple quotes online in minutes, and by doing so, you can see if any more savings can be squeezed out of the process. Have questions or need help deciding the coverage that is right for you? Not a problem we have licensed agents on standby to help you with the process.

So if you are one of the many that will be refinancing your home this spring juice your savings by shopping your insurance now!