Frequently asked questions

We offer comprehensive insurance solutions including homeowners, auto, business, life, and umbrella policies. Each policy is personalized to meet your specific coverage needs and budget.

Contact us by phone at (480) 508-1346 or email melissa@booneinsurancegrp.com to request your free insurance quote. We’ll compare options and find the right coverage for you.

Yes, we serve Mesa, Gilbert, and throughout Arizona. Our personalized approach ensures you receive quality insurance solutions no matter where you’re located in our service area.

We provide a personalized approach to finding the right coverage for each client. Instead of one-size-fits-all policies, we compare options to ensure you get comprehensive protection tailored to you.

Umbrella policies provide extra protection beyond your standard home, auto, or business coverage limits. Consider this coverage if you have significant assets or want additional liability protection.

We offer tailored business insurance solutions to protect your company’s assets, employees, and operations. Coverage options vary based on your industry, size, and specific business risks.

Life insurance provides financial security for your family’s future by replacing lost income and covering expenses. We help determine the right coverage amount based on your family’s needs.

Rates depend on your home’s value, location, age, construction materials, and coverage limits. Arizona-specific factors like monsoon season and heat damage also influence your premium costs.

Yes, we assist with the claims process and provide access to essential insurance claims numbers for quick assistance. Contact us during business hours for help navigating your claim.

We’re open Monday through Thursday 8:30 AM to 5:00 PM, and Friday 8:30 AM to 3:00 PM. Contact us at (480) 508-1346 during these hours for immediate assistance.

Arizona requires every registered vehicle to carry liability coverage. Most drivers add comprehensive and collision, and we will walk you through where the state minimum leaves you exposed before you decide.

Yes. We write auto insurance for high-risk drivers and drivers who need an SR-22 filed with the state, and we shop those policies across carriers rather than accepting the first quote.

Motorcycles, motorhomes and RVs, ATVs and UTVs, boats, classic and specialty vehicles, and other "toys" alongside your daily drivers.

Yes. Boone Insurance Group is licensed in 45 states, so a move or a vehicle change does not mean starting over with a new agent.

Term life covers you for a set number of years at a lower premium and pays out only if you die during that term. Permanent life lasts your whole life and builds cash value, at a higher cost. Which fits depends on what you are protecting and for how long.

It depends on the income you are replacing, the debts you would leave behind, and the expenses your family would still face. We work through your current situation and future needs rather than applying a rule of thumb.

Yes. Business continuity is one of the common uses we plan for, alongside income replacement and debt payoff.

Arizona does not require it by law, but many landlords do as a condition of the lease. Without it, nothing you own inside the unit is covered — your landlord’s policy insures the building only.

Your personal belongings, your personal liability if someone is injured in your unit, and additional living expenses if a covered loss forces you out temporarily.

Generally yes — personal property coverage typically follows your belongings away from the unit, subject to your policy limits.

Yes. Arizona requires employers to carry workers’ compensation coverage for their employees, with narrow exceptions. Operating without it exposes the business to penalties and to direct liability for injuries.

Medical treatment for a work-related injury or illness and a portion of the wages the employee loses while recovering. It also provides the employer liability protection that keeps most injury claims out of court.

Primarily from your payroll and the class codes describing the work being performed. Because both change over time, an annual review is worth doing — outdated codes and payroll are a common source of overpayment.

No. Motorcycles need their own policy. The coverage, the liability exposure and the way the vehicle is rated all differ from a car.

You and the insurer agree on the vehicle’s value when the policy is written, and that is what is paid on a total loss. It avoids the depreciation-based settlement a standard policy would apply — which rarely reflects what a collector vehicle is actually worth.

Yes. An RV is both a vehicle and, while parked, effectively a residence. RV policies cover both sides of that, including contents and liability at the campsite, which an auto policy does not.