How does commercial insurance cover so many different business types?

Commercial insurance covers many different business types. Manzanita Insurance in Prescott Valley, AZ can provide your business with a commercial insurance policy, but it may not look like the one your best friend’s business purchased. It may be even different than the one your dentist purchased. 

That’s because the term commercial insurance refers to a range of insurance policy types. It includes boiler insurance, equipment repair insurance, commercial liability coverage, commercial auto, and many others.

For example, the malpractice insurance that your doctor or nurse practitioner carries falls under the category of commercial insurance, as does the errors and omissions coverage that a manufacturer of heart valves or prosthetics purchases.

Every Policy Is a Custom Policy

When you contact us to say you need a commercial policy, we interview you about your business so that we only offer you the coverage you actually need. We won’t try to sell your business policies that it doesn’t require.

Most commercial coverage packages start with a business owners’ policy (BOP). This type of policy provides the four most frequently purchased policy types. You will receive the liability and property insurance coverage that each business requires for a reduced premium.

Custom Policies Control Costs

The custom package saves you money. Since you only pay for the types of coverage your specific business requires, you pay less than if you purchased an all-inclusive commercial package.

Contact Us Today

We’re here to help you at Manzanita Insurance serving the greater Prescott Valley, AZ community.

Call us today and get your quote on commercial insurance. Let us help you obtain the insurance coverage you need to succeed in business.

What Happens If I Don’t Renew My Home Insurance Policy?

If you don’t renew your home insurance policy before it expires, you risk losing the coverage and protection it provides. Most insurers require a minimum amount of time between the date of the policy’s expiration and the new policy’s effective date. Typically, this is about 30–45 days. 

Your current policy may still provide some basic coverage during this time, but it’s best to assume you have no coverage. If you know you won’t be renewing your policy before the expiration date, start exploring other options to make sure you have a policy in place when you need it. You can seek advice from Manzanita Insurance serving Prescott, AZ and surrounding areas.

Why To Renew Policy 

If you don’t renew the policy, your coverage will be invalid, and you will no longer be protected if something bad happens. If you let your policy lapse, your home is no longer covered. In the event of a claim, you will not be entitled to any benefits. 

Letting your policy lapse may impact your future ability to obtain coverage. The "non-renewal" or "delinquency" clause may allow the company to refuse to renew your policy due to lack of maintenance or other policy violations. 

You might be charged higher if you renew after your policy expires. Some insurers will let you stay covered for a brief period if you inform them earlier. If you’re uninsured, you may be required to pay the cost of any repairs needed. You may also need to pay for replacing your home’s contents if they’re damaged or destroyed. 

Give Us A Call

If you let your policy lapse for a certain period usually a year, your provider may not be willing to take you back. At that point, you may have to start a new application from scratch. For advice, call Manzanita Insurance in Prescott, AZ.

Manufactured Home Insurance FAQs

If you have chosen a factory-built or manufactured home, you should be aware that home insurance is equally as important for these types of homes as it is for a site-built home. At Manzanita Insurance serving Prescott, AZ, we can help you find the insurance solutions you need for your home. Keep reading to learn more about manufactured home insurance. 

Manufactured Home Insurance FAQs

How Are Manufactured Homes Different?

A manufactured home or a factory-built home is a home that is built with pre-fabricated pieces that were constructed off-site in a factory. Those pieces are then shipped to the construction site and assembled. These types of homes provide an affordable way for families to achieve their dreams of homeownership. 

Is Insurance Different For a Manufactured Home?

An insurance policy for a manufactured home will work very similarly to a policy for a site-built home. There may be some differences in risk factors concerning natural disasters, however. To get all of the information concerning this type of home insurance policy, you will want to sit down with an insurance representative to discuss the details. 

What Will My Policy Cover?

Your homeowner’s policy will cover damage that may be caused to your home due to fires, hail, wind, natural disasters, storms, vandalism, and more. You should understand that most homeowner policies will not include flood coverage. Flood insurance is often a separate policy you can have added to your existing policy. You will need to talk with an insurance rep to fully understand the many factors that go into creating a flood insurance policy. 

If you would like to learn more about manufactured home insurance, or any of our other insurance services, please contact us at Manzanita Insurance, serving Prescott, AZ, and the surrounding areas. 

What Is Landlord Insurance?

If you own and operate rental properties, it is crucial to your long-term success that you have the proper insurance policies in place. We can provide you with the insurance information you need to make solid insurance choices at Manzanita Insurance, serving Prescott, AZ and the surrounding areas. Keep reading to learn more about landlord insurance. 

What Is Landlord Insurance?

Landlord insurance is a type of insurance policy to protect landlords or rental property owners. This type of profession carries with it particular risk factors. As a landlord, you have invested a great deal of time and money in your properties. Those properties can be damaged due to fire, natural disasters, burglaries, and due to the neglect or vandalism of tenants. If you do not have the right insurance in place, you can be left financially devastated by one of these events. 

What Does Landlord Insurance Cover?

This type of insurance policy will provide you with financial protection if your property is damaged or lost due to fire, natural disaster, burglary, or vandalism. Vandalism of rental property often happens when individuals destroy or neglect a property they are renting. This can leave a great financial burden on the landlord. 

What About Flooding?

Landlords should be aware that flood insurance is usually a separate insurance policy that will need to be added to a regular policy. 

How Much Coverage Do I Need?

The amount of coverage you will need will depend on your properties’ value and nature. An insurance agent can discuss these details for you to create a policy that suits your particular needs. 

Please contact us at Manzanita Insurance serving Prescott, AZ and the surrounding areas to learn more. 

Is Motorcycle Insurance Required in AZ?

Arizona requires that every motor vehicle operating on a roadway in the state – including motorcycles – carry minimum liability coverage. It is important to note that Arizona is an “at fault” state meaning that if a driver is found at fault in an accident then they are liable both criminally and civilly. 

In order to be street legal, a motorcycle in Arizona must have the following equipment:

  • Eye protection: Required unless your motorcycle has a windscreen.
  • Handlebar height: The hands of the operator must not be above shoulder height when the operator is sitting on the seat.
  • Helmet: Required for all drivers and passengers under 18 and anyone who has an instruction permit.
  • Mirrors: 1 mirror is required
  • Passenger Seat/Footrest: Both are required if you are driving with a passenger
  • Headlight: Daytime headlight use is required.
  • Muffler: Required and a bypass, cutout, or similar device is not allowed. 

For insurance motorcyclists must carry liability coverage with at least the following minimums:

  • $15,000 death or bodily injury to one person
  • $30,000 death or bodily injury to two or more persons
  • $10,000 damage or destruction of property

The minimum insurance requirements in Arizona are woefully inadequate to provide protection in even the most minor accident. When you work with a licensed insurance agent at Manzanita Insurance in Prescot,t AZ we take the time to learn about your personal circumstances so that we can recommend a motorcycle policy that offers the ideal level of protection. Give us a call today or stop by our conveniently located office to learn more about our motorcycle insurance offerings that will enable you to safely ride in Arizona.

Why Liability Coverage for Your Boat Is so Important

Boat liability insurance in Prescott, AZ covers injuries and property damage to third parties after accidents. It can also include legal fees if you have to go to court because of an accident. Liability insurance for your boat is so important because even though boats are designed to be technologically advanced and safer, boating accidents still do happen no matter how careful you are. 

Even though liability coverage and boat insurance aren’t required in Prescott, AZ, many banks and marinas may require them. Liability insurance is the minimum standard of protection to meet these requirements. It’s recommended to get at least $1,000,000 in liability insurance. You may even want to consider more insurance if you have a powerful or faster boat that could cause more damage and is risky. How much liability coverage you need will depend on your unique financial situation and how risky your boat is. Speak with an agent at Manzanita Insurance to know how much liability coverage you should have. 

A collision with just a small powerboat can cause significant injuries. Even if you aren’t found liable for those injuries, you may still end up spending a significant amount of money in legal fees in order to defend yourself. Having basic liability coverage can be one of the best ways to protect yourself financially. 

Your home insurance policy won’t provide the liability coverage you need to meet the requirements of a marina or bank and, even if you don’t need any insurance, most home policies will not provide you with the right amount of coverage. Home policies covering boats are usually limited to boats of a certain value or size and don’t have necessary provisions designed to address the needs of avid boaters. 

Contact Manzanita Insurance to get a quote on boat liability insurance and other boating insurance needs.  

How Does Umbrella Insurance Work?

Your top priority is always to protect your family, property, and yourself. That is why you need different types of insurance. However, unfortunately, insurance does not always cover everything because it has its own limits. For this reason, you may want to get umbrella insurance – a type of insurance that adds extra liability coverage above other standard insurance policies, such as home and auto insurance for example. 

How Does Umbrella Insurance Work? 

Your personal umbrella insurance policy can expand your liability coverage in two ways. Most umbrella insurance policies increase liability coverage to $1 million or even more and also add new covered claims, including defamation, libel, and slander. 

If you are found liable in a lawsuit, your home, auto, or boat/watercraft policy will be able to cover damages up to a certain limit only. Once you exhaust the limit of your policies, you will have to pay the rest out of pocket. However, if you have umbrella insurance, it will kick in and cover the expenses. This is how umbrella insurance can protect you from serious financial losses.

It is important to remember though that it does not cover everything. For example, it will not cover your bodily injuries, damages to your personal property, intentional or criminal action, and claim that are not included in the underlying policy. 

Manzanita Insurance Serving Clients In Prescott, AZ – We Will Help You Find A Coverage You Need

If you live in Prescott, AZ or any other nearby town, and you are looking for proper insurance to protect yourself and your family, contact Manzanita Insurance. We provide a variety of quality insurance services, and we do our best to help our clients find an insurance policy they need based on their personal insurance needs and budget. Feel free to contact us if you have any questions or need more information about insurance policies available. 

Exploring The Key Benefits Of Flood Insurance

Manzanita Insurance serves the Prescott, AZ community, as well as the surrounding areas. Our primary goal is to help our clients protect their assets. We strive to serve people using education and ethics. We will sit down with you and help you evaluate your options. We work with multiple carriers across the West Coast. This allows us to offer you a policy that directly aligns with your individual needs.

Exploring The Benefits Of Flood Insurance

Severe weather occasionally happens in the Prescott, AZ community. There are also periods of heavy rainfall that can cause flooding. If you have home insurance, be aware that you cannot simply rely on your home insurance policy to cover you if your possessions or property structure are damaged by a flood. Consider the benefits of flood insurance. Flood insurance is the easiest way to ensure that you are covered against potential flood damage. Flood damage occurs when water that is at least a foot high infiltrates your property and causes damage.

If you believe that you are not staying in an area that is prone to flooding, you can contact FEMA to learn more information about the National Flood Insurance Program. Flood insurance protects your belongings by giving you peace of mind that you will be able to replace any damaged items. If you have luxury items on your property, flood insurance is the only way that you will be covered if they suffer flood damage. Replacing those items could be a headache, which makes flood insurance an asset.  

Manzanita Insurance Will Help You Protect Your Assets

Visit our website to learn more information about flood insurance.

Is condo insurance required in AZ

Prescott is a beautiful area of Arizona. Condos are a popular way to get to enjoy all the area has to offer. At Manzanita Insurance in Prescott, AZ, we are independent insurance agents and we work for our customers, not for the insurance company. That allows us more choices and options for getting you the best coverage at the best price. 

Condo insurance is not required by the state of Arizona but it will be required by your lender if you have a mortgage. It may also be required by your condo association. It is up to you to know what you need to have. 

Condo associations have a master policy to cover the common areas of the complex and also the exterior of the buildings. Not all master policies are the same, some cover all the way into your unit, others do not. Before you decide on a condo insurance policy, you need to know exactly what you need to cover. 

Condo insurance offers a variety of different types of coverage. Most policies include content coverage, liability coverage, and loss of use coverage. You should also consider getting loss assessment coverage. 

Content coverage will help replace your personal property. This includes furniture, clothing, jewelry (with limits), electronics, and more. The liability protection will give you what you need if you get sued up to your policy limit. Loss of use will help you with paying for a place to stay when your unit is damaged.

Loss assessment coverage is important as well, since if your complex needs major repairs that your dues haven’t provided enough money for, you may receive an assessment that you need to pay. It can be many thousands of dollars and it isn’t optional. 

When you are ready to discuss condo insurance, Manzanita Insurance in Prescott, AZ , will be here to help out in any way we can. 

How much life insurance is enough

When determining how much life insurance is enough, many things come into play. No two people will come up with the same answer. It is a personal figure that will suit your individual needs. At Manzanita Insurance in Prescott, AZ, we are independent insurance agents who provide our customers with better selections and more choices. We are locally owned and understand the local market. We work with multiple carriers, which helps us to customize your policy to your needs.

Determining factors:


Your age is an important factor in determining how much life insurance you need. If you are young or old, you will likely need less life insurance than someone who is in the prime years of their life. 


The person or persons who depend on your income is an important factor in determining how much life insurance is enough. When you are young you probably won’t have anyone who counts on you other than yourself. When you are elderly, you most likely won’t have a lot of dependents. It is in your prime parenting years that you have the most pressure to provide for children and maybe even your spouse or significant other.  

How long dependents need support

Another very significant factor is the age of your children. Once they are grown, you will not need to supply as much support. If they are young, they need total support. When your children are very young, the length of time could be as much as 20 years. 


Those in the know suggest that you provide between seven and ten years’ worth of your salary in life insurance. Depending on what your salary is, that can be a significant amount of life insurance. Being able to afford to keep that much life insurance requires working with a knowledgeable independent life insurance agent. In Prescott, AZ, there is Manzanita Insurance.