Lower Rates. Higher Integrity. Exceptional Service

Health Insurance in Tucson

Thu, 10 May 2012 13:40:04 -0500

DM Vasquez Insurance Agency is a full service broker for all the major health insurance carriers in Arizona including:

Blue Cross Blue Shield
Health Net
Aetna
United
Humana
Cigna
Assurant and more.

We also offer dental plans from

EDS(Employers Dental Services)
Delta Dental

Please call our office to inquire about any of these plans or call Darius at (520)319-2443 to talk with him about any of these.

Homeowners Insurance

Thu, 10 May 2012 13:34:45 -0500

We offer home insurance for:

Homeowners
Rental Properties
Vacant Homes
Mobile or Manufactured Homes
Vacant Mobile Homes
Secondary or Seasonal Homes
Townhome or Condo
Renters

Homeowners insurance is designed to provide coverage in the event of insured's house or its contents are damaged or destroyed, or they are held liable (or sued) for an accident at their residence or resulting from their activities while away from their home. Typically, a homeowner's policy is broken down into two sections:

Section I - Property

This provides coverage for the dwelling, separate structures, and personal property on your premises, or anywhere in the world except as excluded. Special limits are placed on certain personal property based upon the type of policy you have chosen.

Property Coverages
Coverage A - Dwelling
Provided for the residence described in the declarations
Includes any attached structures such as a garage
Based upon the placement costs performed by the agent. Extended replacement costs (up to 125% of Coverage A) available by endorsement.
Coverage limits for B, C, and D are based off a percentage of coverage A.
Coverage B - Separate Structures
Structures detached from the residence such as detached garages, swimming pools, sheds, and fences.
Coverage C - Personal Property
Personal property owned or used by you is covered anywhere in the world.
Personal property stored in the house as well as property stored on premise or outdoors.
Optional Coverage Endorsements
For many customers, basic coverage for certain categories of personal property will not be sufficient due to dollar limitations or limited coverage provisions in the underlying policy.
Additional coverage can be purchased through endorsements to the underlying policy.
Two types of endorsements are offered: schedule and unscheduled.
Wind/hail endorsement available for tree removal.
Coverage D - Loss of Use
If the home is unfit to live in as a result of a covered loss coverage is provided for additional living expenses or loss or rents (if part of the insured premises is rented to others), or you must vacate the home at the request of the authorities such as the fire department, this coverage applies.

Section II - Liability

This provides coverage for you and your family if you become legally obligated to pay for damages as a result of bodily injury or property damage. Coverage includes medical payments to guests who are injured at your location.

Liability Coverages

Coverage E - Personal Liability
Coverages provided, up to the policy limits, for damages you are legally obligated due to your involvement in an an accident to which this coverage applies.
Includes expenses to defend a covered claim or lawsuit.
Coverage F - Medical Expenses to Others
Does not apply to injuries sustained by residents of your premises.
Pays for necessary medical expenses incurred as a result of accident at your location, caused by your personal activities or by an animal owned by you.

Commercial Insurance in Tucson

Thu, 10 May 2012 13:31:06 -0500

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DM Vasquez Insurance is your local business Insurance expert. We can assist any small to medium size business in the state of Arizona with their:
General Liability
Business Owners Package
Commercial Auto Insurance
Workers Compensation
Surety Bonds
Commercial Property,
Special Events Liability
Hard to place risks including Jumping Castles and Amusement Devices

If your business is a small one man operation all the way to 100 employees, we can help find you the best market for you. We offer Famers Insurance for most commercial risks, and if you do not fit that appetite, we can place you with one of many other carriers we offer including Catlin, USLI, Mt. Vernon, Echelon, Western Heritage, Burlington, Great Divide, Atlantic Casualty, Lloyds of London, Scottsdale Indemnity, and many others just to name a few. We offer many payment options, and if you are unable to come in to the office, We can come to you. Give us a call and talk to us about any of your Commercial Insurance needs

DM Vasquez Insurance in Tucson Supports Animals

Wed, 02 May 2012 12:33:00 -0500

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For all clients, if you wish to add your dog to this page, please send a digital photo with your name and the name of your dog to Darius. Darius is an avid dog lover and supporter of the US and local Humane Society. Animals help make us better people.

Farmers Insurance Claims Tucson

Tue, 13 Mar 2012 16:23:21 -0500

For the fastest service or emergency services, please call us at any time,
day or night:

For English - (800) HelpPoint (435-7764)
En Espanol - (877) Reclamo (732-5266)
Hearing-impaired/TTY - (888) 891-1660

For the fastest service or emergency services, please call us at any time,
day or night:

Bristol West Claims - 1-800-274-7865

Farmers Flood Claims - 1-800-759-8656

Auto Insurance Tucson

Sat, 03 Dec 2011 22:16:00 -0600

*WE NOW OFFER BRISTOL WEST INSURANCE. EXCELLENT RATES FOR DRIVERS WITH TICKETS, ACCIDENTS, MAJOR VIOLATIONS, OR NO PRIOR INSURANCE.

Need a professional quote? Don't be fooled by 1-800-cheapinsurance and believe that they can tell you what coverage you need, or what the price of a Farmers policy would be. The truth is no other carrier can tell you what the price of a Farmers auto policy would be, unless you speak to a Farmers agent. Farmers Insurance offers more discounts, and more options on your policy than any other carrier. Combine that with multi-line discounts, professional service, and the best claims department in the business, and you have the best policy available.

Your Farmers agent will personally review your policy and help you identify any potential overlaps or gaps in your coverage. We'll also identify any discounts you qualify for. It's all part of Farmers commitment to get you back where you belong in the event of an unfortunate incident.

Liability-Bodily Injury/Property Damage Coverage

Pays for bodily injuries for other people or damage to their property, if you are liable as a result of a covered loss.
Includes medical expenses and lost wages.
Coverages are subject to the limits and conditions of the policy.
Arizona requires drivers to carry liability coverage.

Uninsured Motorists/Underinsured Motorists (UM/UIM)

Pays for bodily injuries, but not property damage, you, qualified family member, and any other person occupying the covered vehicle, caused by an UM/UIM or a hit-and-run driver.
Also applies to house-hold members as pedestrians.
Includes payment of medical costs, lost wages and pain and suffering.
Coverage amount is usually equal to liability limit. See your Agent for available limits.

Medical

Pays medical bills and funeral expenses for you or your passenger(s) injured while riding in your vehicle.
Extends to you or your family member while riding as a passenger in someone else's vehicle or when struck by a vehicle as a pedestrian.

Deductibles

The deductible is the amount of the loss you agree to pay in the event of a claim or accident. Let's say you have a $250 deductible. If you have a fender-bender, and the body work costs $1150, you will pay the deductible - $250, and the insurance coverage will pay the balance - $900.

Damage to Your Vehicle - Collision

Covers all accidental damage to your vehicle caused by collision from any object or by a vehicle overturned.
Pays up to the actual cash value of your vehicle, less the deductible you select.
Coverage is normally required if your vehicle is leased or if you have an outstanding loan on your vehicle.

Damage to Your Vehicle - Comprehensive

Protects your vehicle by paying for your losses resulting from fire, theft, falling objects, riots, storms, earth quakes, floods, collision with a bird or animal or other natural occurrences.
Like Collision coverage, Comprehensive generally includes a deductible.
Comprehensive is normally required if your vehicle is leased or if you have an outstanding loan on your vehicle.
Provides coverage for broken windshields (full glass coverage is available at zero deductible).

Emergency Roadside Assistance & Towing Service

With one toll-free call (1-800-435-7764), Farmer's Service Representatives across the U.S. and Canada will help you get back on the road safely and easily. With our optional towing and road side service, you can reach us 24 hours, 365 days a year.
Up to $150 - no need for cash, check or credit card. Amounts over $150 are submitted to the agent for the approval.

Loss of Use

After a car accident, you may need to rent a car while yours is being repaired. Coverage pays a flat amount to assist with expenses that you may incur following an auto accident.
Multiple plans are available to fit your lifestyle and budget.