MORTGAGE LIFE INSURANCE AND YOUR PHOENIX, AZ INDEPENDENT BROKER

Have you ever heard the adage, “Most people are only three paychecks away from living on the street?”  The sentiment here, of course, is that due to the large amount of debt many of us have and the small amount of income we command, if we lost our jobs we would lose our homes and become street people.  While it is probably a little less extreme,  there is no doubt that if the primary wage earner in a family were to pass away, the family would be faced with a tremendous financial burden.  That’s why every loving and caring spouse and parent needs to be aware of MORTGAGE LIFE INSURANCE AND YOUR PHOENIX, AZ INDEPENDENT BROKER.

“According to a 2016 Barometer Study by Life Happens,” Jim Bivona of Bivona Insurance Group, LLC, an Independent Insurance Agency that services the Phoenix Metro area regarding Insurance including Phoenix, Scottsdale, Glendale, and Peoria Arizona to name just a few, pointed out, “one in three households would have immediate trouble paying living expenses if the primary wage earner died.  That’s why we frequently advise clients, and prospective clients, to purchase Life Insurance as a form of Mortgage Protection.”

A major question, of course, is “How much will this protection cost?”  As with most forms of Insurance, there are several factors that will affect cost, including but not limited to:

  • Age
  • Gender
  • The Death Benefit Amount
  • Health History
  • Smoking Status

 

“We have found,” Bivona shared somewhat philosophically, “that one of the factors that tends to make people shy away from considering Life Insurance for Mortgage Protection is the fact that they may have a pre-existing health condition. Actually, however,” he went on, “this may not be as much of a barrier as one might think.”Again, Bivona is correct. Following are several tips to consider when seeking Life Insurance if you do, in fact, have a pre-existing condition:

  •  Do your research regarding your condition and typical Premium Rates.
  • Work with a trustworthy Independent Agent.
  • Be truthful and up-front about your condition.
  • Get quotes from multiple providers.
  • Take the Medical Exam if you can, as rates are typically lower when one takes the Medical Exam.

As you can see, being aware of MORTGAGE LIFE INSURANCE AND YOUR PHOENIX, AZ INDEPENDENT BROKER certainly is not something you want to ignore if you do, in fact, own a home and have a mortgage! As a result, you should contact Jim Bivona at 623-256-1000 with any questions, and he will be happy to discuss this concept with you in greater detail, and suggest some ways you may be able to improve your Insurance Coverage.

To learn more about the BIVONA INSURANCE GROUP, LLC go to www.bivonainsurance.com.

(To learn more about this issue, research “Life Insurance as Mortgage Protection”)

 

SURPRISING FACTORS THAT WILL INFLUENCE YOUR GLENDALE, AZ AUTO INSURANCE RATES

What do you think the most “secret” formula in the United States is?  One for a secret NASA space travel fuel?  One for an injection that might cure cancer?  The one for the ORIGINAL Coca-Cola?  Well, I don’t know which one you chose, but I know for a lot of people it is the one that Insurance Companies use to figure how much we will pay for our coverage.  If you are often baffled by that as well, you will, undoubtedly, be extremely interested in SURPRISING FACTORS THAT WILL INFLUENCE YOUR GLENDALE, AZ AUTO INSURANCE RATES.

             “I’ll have to admit,” Jim Bivona of Bivona Insurance Group, LLC, an Independent Insurance Agency that services the Phoenix Metro area regarding insurance including Phoenix, Scottsdale, Glendale, and Peoria Arizona to name just a few, “that there are a number of factors involved, and” he paused for effect, “some of them might surprise you.”

These factors include, but are not necessarily limited to:

 

  • What you Drive – The “Safety Rating” for each Vehicle is different, thus affecting the driver’s rates.
  • Why you Drive – If you drive for business, your rates will be higher, unless you are a farmer, when they might be lower.
  • Where you Drive – Urban areas with a high density of cars are the most expensive areas for Auto Insurance.
  • Your Marital Status – It’s not surprising that if you are married, your rates will go down. However, if you get divorced, your rates will go back up. And, if you are widowed your rates will also go back up, but not as much as if you are divorced.
  • Your Level of Education will affect your rates – In a recent survey, those with a bachelor’s degree saved an average of $32 yearly more than those with just a high school diploma.
  • When it comes to your Driving Record, not all violations are created equal – For example, texting while driving may be as dangerous as Driving Under the Influence, the penalty for being caught is far less! In fact, the latter may cost you as much as 3200% more than the former!

 

As you can see, being aware of SURPRISING FACTORS THAT WILL INFLUENCE YOUR GLENDALE, AZ AUTO INSURANCE RATES certainly is not something you want to ignore if you do, in fact, own and drive a car!  As a result, you should contact Jim Bivona at 623-256-1000 with any questions, and he will be happy to discuss this concept with you in greater detail, and suggest some ways you may be able to improve your Insurance Coverage.

 To learn more about the BIVONA INSURANCE GROUP, LLC go to www.bivonainsurance.com.

 (To learn more about this issue, research “Surprising Factors that Affect Auto Insurance Rates”)

 

WORST CITIES TO LIVE IN IN AMERICA AND YOUR PEORIA, AZ HOME OWNERS POLICY PREMIUMS

Have you ever heard the expression, “The grass is always greener on the other side of the fence?”  Well, if you live in one of the “Worst Ten Cities to Live in in America Due to Cost” that phrase would actually pertain!  If you are concerned about the costs associated with you owning your home, you should find yourself most interested in WORST CITIES TO LIVE IN IN AMERICA AND YOUR PEORIA, AZ HOME OWNERS POLICY PREMIUMS.

“There are a number of factors involved here, of course,” Jim Bivona of Bivona Insurance Group, LLC, an Independent Insurance Agency that services the Phoenix Metro area regarding Insurance including Phoenix, Scottsdale, Glendale, and Peoria Arizona to name just a few, noted, “but Homeowners Insurance is most definitely one of them.”

Bivona is right on both points.  The list below indicates the Ten Worst Cities and what tends to make them so:

  1. New Orleans –High Home Owners Ins. Rates, Expensive Home Repairs.
  2. Miami – High Ins. Rates & High Rate of Foreclosures.
  3. Boston – High Property Taxes; High Foreclosure Rate; High Energy Costs.
  4. Chicago – High Property Taxes; High Foreclosure Rate.
  5. Houston – High Cost of Home Repairs; High Ins. Rates.
  6. Buffalo, NY – High Energy Costs; Low Home Prices Growth Rates; High-side of Ins. Rates.
  7. Los Angeles – 49 out of 50 for Home Affordability; High Property Taxes.
  8. Providence, RI – High Home Repair & Energy Costs.
  9. New York City – High Property Taxes; High Cost for Home Repairs; “Poor” Home Affordability.
  10. Hartford, CT – High Energy Costs; High Property Taxes; High Home Owners Ins. Rates; High Rate of Foreclosures.

“Fortunately,” Bivona pointed out, “none of the Valley of the Sun cities made this ‘worst’ list, but,” he added, with a knowing tone to his voice, “we all still want to save money where we can. “So,” he went on, “it’s good to know how we can save money on our Home Insurance Premiums.”

This includes, but is not limited to:

  •  Opt for Higher Deductables
  •  Bundle Insurance Policies
  •  Avoid Making Small Claims
  •  Choose Paperless Billings
  •  Pay Annually Instead of Monthly
  •  Install Central Station Alarm System
  •  Update older roofs, electrical & plumbing Systems
  •  Set up an Automatic Generator (Especially in Frigid areas where pipes can burst and do damage)
  •  Be a Loyal Customer  

As you can see, being aware of WORST CITIES TO LIVE IN IN AMERICA AND YOUR PEORIA, AZ HOME OWNERS POLICY PREMIUMS certainly is not something you want to ignore if you do, in fact, own a home! As a result, you should contact Jim Bivona at 623-256-1000 with any questions, and he will be happy to discuss this concept with you in greater detail, and suggest some ways you may be able to improve your Insurance Coverage.

To learn more about the BIVONA INSURANCE GROUP, LLC go to www.bivonainsurance.com.

 (To learn more about this issue, research “Ten Worst Cities to live in in America”)

 

 

DISASTER-PROOFING YOUR POLICY AND YOUR PHOENIX HOMEOWNERS INSURANCE

What are you an expert at?  Me, I’m an expert on writing and Country Music from 1955 – 1969. The Statler Brothers – they’re experts on Shirley Jean Burrell!  Now, one thing most of us are not experts on is our Homeowners Policy.  That’s why knowing about DISASTER PROOFING YOUR POLICY AND YOUR PHOENIX HOMEOWNERS INSURANCE is so important to all of us.

“The three areas you must be most ‘up on,’” Jim Bivona of Bivona Insurance Group, LLC, an Independent Insurance Agency that services the Phoenix Metro area regarding insurance including Phoenix, Scottsdale, Glendale, and Peoria Arizona to name just a few, confided, “includes what is covered, what is not covered, and what may be covered!”

Bivona, obviously, is absolutely correct.  Things your Policy typically cover include:

  • The Dwelling itself
  • Other Structures on the property
  • Personal Property
  • Additional Living Expenses
  • Personal Liability
  • Medical Payments to others

Items typically not covered include:

  • Routine Maintenance & Repairs
  • Damage due to animals, termites, sinkholes, sewer backups and earthquakes

 

“The ‘may cover’ list,” Bivona explained, “typically comes as the result of optional or separate coverage. One thing,” he added, “that often people forget to consider is what happens to their policy when Remodeling and/or Renovations take place.”

In regard to this, there are several things you will specifically want to consider, including but not limited to:

  • Notify your Agent about your remodeling plans
  • Increase the amount of your coverage
  • Make sure your contractor is properly insured (Don’t forget the sub-contractors!)
  • If friends and/or family are helping, making sure you have adequate coverage in case any of them are injured.

As you can see, being aware of DISASTER-PROOFING YOUR POLICY AND YOUR PHOENIX HOMEOWNERS INSURANCE certainly is not something you want to ignore if you do, in fact, own a home!  As a result, you should contact Jim Bivona at 623-256-1000 with any questions, and he will be happy to discuss this concept with you in greater detail, and suggest some ways you may be able to improve your Insurance Coverage.

 To learn more about the BIVONA INSURANCE GROUP, LLC go to www.bivonainsurance.com.

 (To learn more about this issue, research “Ensuring Proper Home Owner Coverage”)

 

 

SAVING MONEY AND YOUR GLENDALE, AZ AUTO INSURANCE

We all want to save money – it seems to be wired into us.  Whether we have a little money or a lot of money, or no money at all, we all have a little bit of Penny-pincher in us.  And, not surprisingly, the one place we seem to be the most frugal is when it comes to Insurance – especially Auto Insurance.  As a result, virtually everyone should be interested when it comes to SAVING MONEY AND YOUR GLENDALE, ARIZONA, AUTO INSURANCE.

“Sacrificing proper coverage is not a viable option,” Jim Bivona of Bivona Insurance Group, LLC, an Independent Insurance Agency that services the Phoenix Metro area regarding insurance including Phoenix, Scottsdale, Glendale, and Peoria Arizona to name just a few, shared solemnly. “However,” he continued with a little more lilt in his voice, “there are things that will help you save money on your Auto Insurance.”

These things include, but are not limited to:

  • Shopping around for Auto Insurance – this can best be accomplished by utilizing an Independent Insurance Broker as opposed to a Captive Insurance Agent. Captive agents can quote/sell for only 1 company, whereas Independent Agents can quote/sell for several different companies and shop for the best price and coverage
  • Increase Deductibles
  • Getting a Multi-Policy discount
  • Maintain a good Driving Record

“Modern technology can also be an ally when it comes to saving you money,” Bivona added, wisdom dripping from his words.

That technology includes, but is not limited to:

  • Rear “Cross Traffic” Alerts
  • Passive Restraint Systems
  • Blind Spot Detection & Lane-Departure Warning Systems

“One of the greater financial challenges when it comes to Auto Insurance,” Bivona shared with a wise and knowing tone, “is when you have a young driver who needs coverage.  Understanding the view Insurance Companies take on this situation may make this proposition less daunting than one might think.”

For example, an Insurer will consider such issues as the driver’s age, gender, vehicle to be driven and their driving experience.  In the young person’s favor is the fact that discounts are based on such issues as good grades; taking and passing Driver’s Education Class and Defensive Driving Courses; and doing their homework by shopping around for the best rates possible.

As you can see, being aware of SAVING MONEY AND YOUR GLENDALE, ARIZONA, AUTO INSURANCE certainly is not something you want to ignore if you do, in fact, want to save money safely while purchasing Auto Insurance!  As a result, you should contact Jim Bivona at 623-256-1000 with any questions, and he will be happy to discuss this concept with you in greater detail, and suggest some ways you may be able to improve your Insurance Coverage.

 

To learn more about the BIVONA INSURANCE GROUP, LLC go to www.bivonainsurance.com.

(To learn more about this issue, research “Discounts and Auto Insurance”)

 

DRONES AND YOUR PEORIA, ARIZONA BUSINESS INSURANCE

Remember when we were in school and we studied about drones?  You know, the male bees in a hive that don’t have to do anything except eat and mate with the queen bee?  To do their mating they would fly 200 or 300 feet in the air to meet up with their queen and do their best to help perpetuate the species!  Today, however, the drones that you see at 300 feet may have nothing to do with pro-creation or honey.  Rather, they may be keeping track of your every movement.  And, if you and your company happen to be one of those that are utilizing drones, you definitely need to make sure that you are aware of DRONES AND YOUR PEORIA, ARIZONA BUSINESS INSURANCE.

“The FAA is constantly making changes in the rules that control the use of Commercial Drones, as are cities and states,” Jim Bivona of Bivona Insurance Group, LLC, an Independent Insurance Agency that services the Phoenix Metro area regarding insurance including Phoenix, Scottsdale, Glendale, and Peoria Arizona to name just a few, shared.

Bivona is absolutely right. According to Thomas Gemmell, former U.S. Air Force fighter pilot and co-leader of the drone team for Husch Blackwell, a law firm in Chicago, there are several specific rules for unmanned aircraft weighing less than fifty-five pounds and flying no more than 400 feet above the ground that include, but are not necessarily limited to:

  • Drones must stay within visual line of the pilot
  • Remote pilots are required to have a Remote Pilot Airman Certificate

“Gemmell went on to share,” Bivona noted, “that as a commercial drone operator, or even just a hobbyist, he would make sure that he had Insurance.”

Items that a Drone Policy should cover include, but are not limited to:

  • Injuries
  • Personal Property Damage
  • Damage to the Drone itself

As you can see, being aware of DRONES AND YOUR PEORIA, ARIZONA BUSINESS INSURANCE certainly is not something you want to ignore if you do, in fact, own a Drone or intend to purchase and use one in the near future!  As a result, you should contact Jim Bivona at 623-256-1000 with any questions, and he will be happy to discuss this concept with you in greater detail, and suggest some ways you may be able to improve your Business Coverage.

To learn more about the BIVONA INSURANCE GROUP, LLC go to www.bivonainsurance.com.

(To learn more about this issue, research “Drones and Insurance”)

 

NEW HOME OWNERS AND GLENDALE, AZ HOME OWNERS INSURANCE

Floyd-Allen1-101x150[1]

 

An interesting thing happened about six months ago – my wife and I sold the last house we will ever own. Our daughter and her husband very graciously built us an in-law suite that is attached to their home, and we plan on spending our “Golden Years” there.  As we prepared to move out, however, I took a brief stroll down the road of my past (you may know it as “Memory Lane!”), and thought about when we bought our first house.  Home owning was all new and we were filled with awe as we started that aspect of our lives.  We would wind up buying a total of three homes, living in the last for thirty plus years!  If you are just beginning your journey of home owning, you will want to be aware of NEW HOME OWNERS AND GLENDALE, AZ HOME OWNERS INSURANCE.

 

“Like any other journey,” Jim Bivona of Bivona Insurance Group, LLC, an Independent Insurance Agency that services the Phoenix Metro area regarding insurance including Phoenix, Scottsdale, Glendale, and Peoria Arizona to name just a few, shared, “being a Home Owner begins with the first step – which is, of course, being approved by a Financial Institution to purchase a home.  To get this approval, there are a number of questions you will have to answer to their satisfaction.”

 

Those questions include, but are not necessarily limited to:

  • How much money do you have saved up?
  • How much debt do you have?
  • What is your Credit Score?
  • How long do you plan on staying?
  • Have you factored in all the costs?“That last question is vitally important,” Bivona explained somewhat gravely, “because, unfortunately, when young people are doing their budgets oft times all they consider is the mortgage payment itself when, in reality, there are many other expenses to consider.”

 

Some of these expenses include:

 

  • Maintenance & Repair – Unless you are purchasing a brand new home with an excellent warranty, Maintenance and Repair needs to be something you plan for!
  • Utilities – Water, Energy, Gas, Trash Pickup.
  • Household Appliances – Even though the ones in the home you buy are in good working order, you may find that replacing them is a smart move as you will be replacing them with more efficient models.
  • Homeowners Insurance – This is where you really need to locate an Insurance Broker who will not only help you get the best prices, but who will ensure you have all the coverage you need and are expecting.As you can see, being aware of NEW HOME OWNERS AND GLENDALE, AZ HOME OWNERS INSURANCE certainly is not something you want to ignore if you are, in fact becoming a first-time Home Owner! As a result, you should contact Jim Bivona at 623-256-1000 with any questions, and he will be happy to discuss this concept with you in greater detail, and suggest some ways you may be able to improve your Business Coverage.To learn more about the BIVONA INSURANCE GROUP, LLC go to www.bivonainsurance.com.(To learn more about this issue, research “New Home Owners & Insurance”)  

STRESS CONTROL, BUSINESS SECURITY AND YOUR GLENDALE, ARIZONA BUSINESS INSURANCE

Floyd-Allen1-101x150[1]            Want to hear a real “Urban Myth?”  Ok, here goes – “There’s no stress when you own your own business and work for yourself, ‘cause you don’t have anyone looking over your shoulder all the while!”  Undoubtedly even people who don’t work for themselves see the fallacy in that statement.  As a result, if you do own your own business, you really need to be aware of STRESS CONTROL, BUSINESS SECURITY AND YOUR GLENDALE, ARIZONA BUSINESS INSURANCE.

 

“These certainly aren’t “the good old days” for most of us,” Jim Bivona of Bivona Insurance Group, LLC, an Independent Insurance Agency that services the Phoenix Metro area regarding insurance including Phoenix, Scottsdale, Glendale, and Peoria Arizona to name just a few, shared, “and when it comes to our businesses, we need all the help we can get to relieve the stress of our workday.”

 

Experts say that for those who own their own businesses, this “relief” can be achieved in ways that include but are not limited to:

  • Meditation
  • Taking ample time to “recharge” your body
  • Creating a proper balance between your job, family, and needed “personal time”
  • Ensuring that you and your business are properly protected            “That ‘protection’ comes in the form of Business Insurance,” Bivona explained, a degree of solemnity in his voice, “and there are several forms that every businessperson needs to make sure they have enough of.”

These include, but are not limited to:

  • Professional Liability
  • Worker’s Comp
  • Vehicle Insurance
  • Business Interruption InsuranceAs you can see, being aware of STRESS CONTROL, BUSINESS SECURITY AND YOUR GLENDALE, ARIZONA BUSINESS INSURANCE certainly is not something you want to ignore if you are, in fact, a Business Owner or are becoming one in the near future! As a result, you should contact Jim Bivona at 623-256-1000 with any questions, and he will be happy to discuss this concept with you in greater detail, and suggest some ways you may be able to improve your Business Coverage.To learn more about the BIVONA INSURANCE GROUP, LLC go to www.bivonainsurance.com.(To learn more about this issue, research “Stress & Business Insurance” 

DOG BITES AND YOUR AVONDALE, ARIZONA HOMEOWNERS INSURANCE

How much is that Doggie in the windowFloyd-Allen1-101x150[1]

The one with the waggly Tail

How much is that Doggie in the window

I do hope that doggie’s for sale!

 

If you remember this wonderful little ditty by Patti Page, you probably remember the line where she proclaims that the new pet will scare away burglars with one bark!  Well, if you are a homeowner you may want to hope that all your dog does is bark, ‘cause if they go to the next step and bite someone it could prove very inconvenient, and expensive, for you!  That’s why anyone with a home and a dog should be “up to date” on DOG BITES AND YOUR AVONDALE, ARIZONA, HOMEOWNERS INSURANCE.

“Statistics show,” Jim Bivona of Bivona Insurance Group, LLC, an Independent Insurance Agency that services the Phoenix Metro area regarding insurance including Phoenix, Scottsdale, Glendale, and Peoria Arizona to name just a few, shared, “that in 2015 more than one third of the claims paid out by Homeowners Insurance Companies were for dog-related injuries, and each claim averaged over $37,000!”

What, you may wonder, is spearheading this epidemic?  Well, what isn’t spearheading it may really shock you, for it isn’t a large increase in the number of pit bulls or personal injury lawyers!  The REAL problem it seems may be that more and more people and dogs are being crowded into urban areas like – you guessed it, the Valley of the Sun!

“An objection I so often face when I suggest to a homeowner with a dog that they make sure they have coverage for dog bites,” Bivona shared so solemnly that is was obvious that the answer troubled him a great deal, “is, ‘Oh, I don’t need that – Fido would never bite anyone!’  The reality is,” he went on, “that over one third of the victims are under the age of the fourteen, and many of them are victimized by the family pet.”

Studies show that what makes a “good dog go bad” typically is when they are frightened.  This can be because they have their “space invaded;” they encounter someone they are not familiar with, or the situation they find themselves in is threatening in some way.

“Experts tell us,” Bivona explained, “that to minimize the chance of an incident we should expose our dogs to new situations, to new environments and to strangers on a regular basis and from the time they are very young.”

As you can see, being aware of DOG BITES AND YOUR AVONDALE, ARIZONA, HOMEOWNERS INSURANCE certainly is not something you want to ignore if you are, in fact, a Homeowner or are becoming one in the near future!  As a result, you should contact Jim Bivona at 623-256-1000 with any questions, and he will be happy to discuss this concept with you in greater detail, and suggest some ways you may be able to improve your Homeowner Insurance.

 

To learn more about the BIVONA INSURANCE GROUP, LLC go to www.bivonainsurance.com.

 

(To learn more about this issue, research “Dog Bites and Homeowners Insurance”)

 

THE MAGNIFICIENT SEVENS AND YOUR PEORIA, AZ HOMEOWNER’S INSURANCE

Floyd-Allen1-101x150[1]   Quickly – – how many of the men who appeared in THE MAGNIFICIENT SEVEN can you name?  As one of, if not THE, best westerns of all-time, it featured such noteworthys as Yul Brynner, Steve McQueen, James Colburn, Charles Bronson and Robert Vaughn!  Now, most of us know the “plot” behind the story, but did you know that it was not an original thought?  Actually, it was based on the 1954 Japanese movie THE SEVEN SAMAURI.  Interestingly enough it was not the last in the line of Magnificent Sevens, as in 1980 Richard Thomas starred in a flick with the same basic theme – BATTLE BEYOND THE STARS.  Amazingly, Robert Vaughn was featured in that film, too!  If you’re a home owner in Arizona, there are several “Magnificent Sevens” that you probably should be aware of, and that’s why we are discussing THE MAGNIFICENT SEVENS AND YOUR PEORIA, AZ HOMEOWNER’S INSURANCE.

 

“There is a whole lot involved when buying a home,” Jim Bivona of Bivona Insurance Group, LLC, an Independent Insurance Agency that services the Phoenix Metro area regarding insurance including Phoenix, Scottsdale, Glendale, and Peoria Arizona to name just a few, shared, “and it all starts as soon as you have your closing.”

 

Bivona is right, so our first MAGNIFICENT SEVEN is:

Seven Simple Steps That Will Make Closing Day a Breeze

  • Change the Locks
  • Switch over the Utilities
  • Update or Purchase Homeowner’s Insurance
  • Meet Your Neighbors
  • Thoroughly Review all Your Paperwork
  • Measure all the Rooms While They are Still Empty
  • Be Sure Your Home is “Move-In” Ready“Obviously,” Bivona pointed out, “the acquisition of a Homeowner’s Policy is necessary to protect your new home. As a result, you will not just want to get a Policy, but make sure that it gives you sufficient coverage to protect you, your family, and your investment.”Our second MAGNIFICENT SEVEN is: 
  • Does Your Homeowners Insurance Fully Cover You for These Seven Common Claims?
  • Windstorms
  • Fire
  • Dog Bites
  • Theft
  • Non-Weather Water Damage
  • Flooding
  • Bodily Injury“Interestingly enough,” Bivona offered with a twinkle in his eye and a big smile in his voice, “there are somethings your Policy may cover that you probably don’t even think of, and probably will never have to file a claim for.”And that brings us to our last MAGNIFICIENT SEVEN: 
  • Seven Surprising Things that May be Covered by Your Homeowners Policy
  • Spaceship Crashes into Your Home
  • Wedding Disruption in Your Back Yard
  • Your Child’s College Dorm Room
  • Lions and Tigers and Bears, oh my!
  • Libel & Defamation Suits
  • The Afterlife
  • Dog Bites“When it comes to what is and what isn’t covered,” Bivona explained, “you want to confer with your Independent Broker BEFORE there is a need to make a claim. In fact,” he continued wisely, ‘it is a good idea to have your policy reviewed annually, or at least anytime there is a major change in your life or lifestyle.”As you can see, being aware of THE MAGNIFICENT SEVENS AND YOUR PEORIA, AZ HOMEOWNER’S INSURANCE certainly is not something you want to ignore if you are, in fact, a Homeowner or are becoming one in the near future! As a result, you should contact Jim Bivona at 623-256-1000 with any questions, and he will be happy to discuss this concept with you in greater detail, and suggest some ways you may be able to improve your Homeowner’s Coverage.To learn more about the BIVONA INSURANCE GROUP, LLC go to www.bivonainsurance.com.(To learn more about this issue, research “7 Facts About Homeowners Insurance”)