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. 

The Different Types of Auto Insurance

Anyone in Prescott, AZ, who has shopped for auto insurance, already knows many options are available. Most insurance companies provide similar policies and coverage; it is up to you to determine how much coverage you need. Take time to learn about the different types of auto insurance coverage and reach out to the experts at Manzanita Insurance to discuss coverage options and get your questions answered. 

Personal Injury Protection

Personal Injury Protection, also referred to as PIP, covers medical expenses you and your passengers receive due to an accident. 

Liability Insurance

Liability insurance pays for damages caused to other vehicles, other people, or property when you are found at fault. Liability insurance coverage is mandatory for drivers to carry through state laws. 

Collision Coverage

Collision insurance covers damages to your vehicle regardless of who is at fault. 

Comprehensive Coverage

Comprehensive coverage pays for damages associated with incidents not involved in an accident. Common incidents covered include weather, theft, and vandalism. 

Uninsured Motorist and Underinsured Motorist Coverage

Sometimes other drivers do not have the required insurance coverage, or they may not have enough insurance coverage to pay for your damages, medical bills, or additional accident-related costs. Uninsured motorist and underinsured motorist coverage provide you with coverage when the at-fault driver is not adequately insured. 

Rental Car Reimbursement

Rental car reimbursement insurance pays for the cost of a rental vehicle if your vehicle is in the repair shop or has been totaled. There is a limit per day as to how much this coverage pays for. 

Those in Prescott, AZ, with questions about insurance coverage options, should reach out to Manzanita Insurance. The experts at this agency can help provide information and offer guidance on which coverage is best for your insurance needs. 

How to Get The Best Out Of Your Commercial Insurance

Everyone wants value for their money. And this isn’t an exception when you are buying commercial insurance for your Prescott, AZ business. You want to get the best out of your coverage to justify the premiums you are paying. But how can you do this? Unless you understand the ins and outs of business insurance, you will always find yourself under-exploiting your business insurance coverage. 

The good news of the day is that Manzanita Insurance is always ready to help business owners in matters concerning insurance. With this in mind, today, we will elaborate on how you can get the best out of your commercial insurance.

Understand your business

As a business owner, no one understands your business as you do. You are in the best position to determine the risks facing your business. This way, you will only buy commercial insurance that meets your business needs.

Review your commercial insurance policy every year

At the very least, update your commercial insurance every year. Reviewing your business ensures that your current business needs are taken care of and that you aren’t overpaying or underpaying your premiums. 

Choose an agent who understands your industry

Since commercial insurance can be challenging, you need a knowledgeable agent to help you understand commercial insurance in detail. Better yet, if they understand your industry, they will guide you to pick the appropriate commercial insurance coverage for optimal protection.

Know what is required by the law

If you operate in Arizona or any other state, it’s vital to understand your region’s mandatory business insurance coverages. This way, you don’t have to subject your business to numerous fines and penalties for non-compliance. Additionally, when you know that your state commercial insurance minimums are met, it’s always easy to plan for other coverages when the basics are covered.

Purchase commercial insurance today!

Has your business been running without business insurance? This has to end today. If you are in Prescott, AZ and its environs, please contact Manzanita Insurance for an affordable commercial insurance quote. 

Home Insurance FAQs

If you are a homeowner in Prescott, AZ, after purchasing or building your home, the next thing you should be thinking about is buying home insurance from Manzanita Insurance. Homeowners insurance is a worthwhile investment that protects your home investment when the unexpected strikes. And that’s not all — home insurance is a lot cooler than that. If you need more information about home insurance, please enjoy reading our FAQs section.

Is home insurance mandatory in Arizona?

No, home insurance isn’t required by any Arizona law. However, your mortgage lender may insist you purchase home insurance to protect your financial interests. But whether home insurance is required or not, every homeowner in Prescott, AZ should consider this investment.

What does home insurance cover?

Of course, home insurance covers your home building and attached structures from damage against perils like fire, hail, lightning, and other calamities. Additionally, home insurance protects your assets against loss or damage from covered risks. Other areas covered by home insurance include:

  • Liability protection: Home insurance covers you against property damage and bodily injury claims from third parties.
  • Additional living expenses: Pays for expenses beyond your average spending for seeking temporal shelter after your home becomes unlivable due to a covered loss. 
  • Other structures: For an additional premium, detached structures like the swimming pool, shed, or garage are covered by home insurance against damages like fire, hail, storms, and many others.

What isn’t covered by home insurance?

While home insurance covers you and your home against numerous perils, it won’t cover damage to your home arising from:

  • Floods and earthquakes
  • Poor maintenance
  • Mold and pest infestation
  • Government demolitions
  • Wars and nuclear attacks

Additionally, home insurance provides minimal coverage to high-value items like art, silverware, and jewelry. That being said, you need to talk to your agent to purchase special coverage for your high-value assets.

Do you need more information on home insurance? Please contact Manzanita Insurance today. Better yet, you can visit our Prescott, AZ offices to speak to one of our agents.