Sheppard Peter

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Brands: independent agents
Neighborhoods: Alhambra, Camelback Village
Categories: Homeowners Insurance, Auto Insurance, Health Insurance, Insurance, Life Insurance, Property & Casualty Insurance, Renters Insurance

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Phone: (602) 279-4204

Address: 1314 W Camelback Rd, Phoenix, AZ 85013

Auto Insurance
Dealing with the ins and outs of auto insurance in Phoenix Arizona can be as tricky and confusing as trying to untie the Gordian knot. Although we can’t help you with the knotty Gordian problem, the following recommendations could help you figure out some of the more complicated points of auto insurance.

Renters Insurance
Home Insurance
Your personal property coverage usually reflects 50 percent of your home insurance coverage. It may be increased or decreased, depending upon state requirements.

Life Insurance
Although there isn’t any specific formula to estimate life insurance needs, a quick and basic way to get a rough estimate is to take your annual income and multiply it by 7.
Health Insurance
Another key is that your plan should adequately replace the “hidden income” that would be lost at death. Hidden income is income that you receive through your employment that isn’t part of your gross wages. It includes things like your employer’s contribution towards your health insurance premium, the matching contribution to your 401(k) plan, and many other “perks”.
Long Term Care
If you feel that you need an insurance policy for more than a year, it would be useful to take a look at other individual/family health insurance policies. A long-term care health insurance policy helps cover healthcare services used by insured patients who have prolonged illness or disability. Long-term medical care services also cover routine activities like assistance in bathing, dressing, and meals. Neither Medicare nor Employer Health Insurance covers these services. While long-term care insurance policies do pay for such type of services, they are expensive. Before you buy such a policy, be sure that you can afford to pay the premium now as well as later.

Earthquake Insurance
It also provides liability protection. Ideally, the amount of coverage should be sufficient to replace your home and property, and also cover your liabilities. If you stay in a flood or earthquake-risk area, you should separately purchase flood/earthquake insurance, because homeowner’s insurance usually doesn’t cover floods and earthquakes.

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