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PROTECTing WHAT YOU'VE PUT TOGETHER

HOME INSURANCE

Whether you're a homeowner, renter, condo/townhouse owner, landlord, mobile/manufactured owner,
or have a winter/secondary home in Arizona, we can help you


Home Insurance

Protect Your Home and Everything In It.

Homeownership is typically one of the largest investments people make during their lifetime. That’s why you need a homeowners insurance policy provided by Kiva Insurance’s experienced professionals to protect that investment. We provide you with a comprehensive policy that is affordable and gives your family and guests peace of mind they’ll always be safe and secure.

gET A QUOTE

Home coverage typically includes:

DWELLING

Covers the primary home structure

OTHER STRUCTURES

Covers unattached outbuildings such as storage units, garages, shops

PERSONAL PROPERTY

Covers your personal contents

LOSS OF USE

Covers additional living expenses you may incur to relocate while your home is being repaired

LIABILITY

Provides attorney coverage for you at company expense and coverage for damages you are deemed responsible for to others

DISCOUNTS

Saving You Money

The cost of your home owner’s insurance can be discounted based on a number of options

Things to consider; the age of your home, if you have a burglar/fire alarm, how far you are from a fire hydrant or fire department, whether you’re combining your home and auto insurance together, and many other factors – so if it seems we’re “asking a lot of questions”, it’s not because we are nosy, we’re wanting to make sure you get all the discount options that are available to you!

YOUR NEEDS

What works for you

There are two ways your property’s value can be insured:

Replacement Cost (RC): Pays the actual amount to replace the damaged property at the time of the loss, with materials of like kind and quality without deduction for depreciation. Payment is capped at the limit of insurance shown for that piece of property.

Actual Cash Value (ACV): Pays the cost to replace the property at the time of loss, reduced to reflect for depreciation.

property value

Don't Underestimate The Cost to Rebuild

What your home is worth in the marketplace today, or what you originally paid for it, or what you may still owe on the mortgage.

Often it costs more to rebuild/repair a home than it did the day the home was originally built. Cost of labor and materials typically don’t go down from year to year right? There’s so much valuable information we have to share with you regarding your home owners insurance, we’ll also want to discuss with you: -flood insurance (if you want it or your mortgage company requires it, we can provide it for you, but remember, standard home insurance policies do not include flood insurance) -unoccupied dwelling (we’ll tell you about the new change in Arizona law regarding this)

POLICY COVERAGE

It’s important to understand which
causes of loss “perils” your policy covers.
You have three "causes of loss" form options
to choose from.
OPTION 1

Basic Form

Includes:


Fire; Lightning; Wind; Hail; Aircraft Impact; Civil Commotion; Volcanic Eruption; Explosion; Smoke; Theft

OPTION 2

Broad Form

Includes all basic form plus:

Accidental discharge and leakage of water system;
Artificially generated electrical current; Falling objects;
Breaking of glass that’s part of a building or structure;
Bursting of heating or water systems; Freezing of plumbing, heating, air and automatic fire protection system, components, and household appliances; Accidental tearing apart, cracking, burning, bulging of steam/water system;
Weight of ice, snow and sleet

OPTION 3

Special Form

ALL BASIC & BROAD COVERAGE PLUS…

Provides coverage for risks of direct physical loss to eligible property, unless excluded by the policy language.

Now you’ve gone from good, better to best – this is the broadest level of homeowners coverage and typically the only choice we will offer to you.

AUTO INSURANCE

Kiva can customize an auto insurance policy that will protect both you and others –
all at an affordable price.

AUTO Insurance

Good Drivers are Responsible Drivers.

If you’re looking for auto insurance in Casa Grande, look no further than Kiva Insurance. Having proper Automobile Insurance ensures your independence behind the wheel.

From accidents and injuries to hit-and-runs and theft, it’s important to keep your car insured so you’re prepared when accidents do happen. No matter what you drive, we’ll make sure your vehicles and drivers are protected.

Why Auto Insurance?

If you’re involved in an accident without car insurance, you’re looking at high out-of-pocket costs, injury liability – even serious legal issues. Keeping your vehicle insured is simply the responsible thing to do, and it’s an essential financial decision that you can’t drive without. Auto Insurance helps to reduce or cover property damage costs, replacement parts for your car as the result of an accident, medical expenses from injuries, road-side assistance, and much more. Since policies vary with protection options, it’s important to talk to a specialist at Kiva Insurance to create a policy that insures your needs. Ask one of our insurance specialists about the auto insurance discounts that are available to you. The make, model, safety features, as well as your driving record, a young driver’s grades, and annual mileage can affect your car insurance payment. Auto insurance in Casa Grande is just a phone call away. Call today!

gET A QUOTE

6 PARTS OF YOUR AUTO POLICY

Your auto policy may include all six of these components or only some of them. Each coverage is priced individually. 

Bodily Injury Liability

For injuries the insured causes to someone else

Medical Payments or Personal Injury Protection (PIP)

For treatment of injuries to the driver and passengers of the insured’s car. Personal Injury Protection can cover medical payments, lost wages and the cost of replacing services normally performed by someone injured in an auto accident.

Property Damage Liability

For damage the insured caused to someone else’s property.

Collision

For damage to the insured’s car from a collision. The collision could be with another car, a light post, fire hydrant, tree, etc.

Comprehensive

For damage to the insured’s car that doesn’t involve a collision with another car. Covered risks include fire, theft, falling objects, missiles, explosion, earthquake, flood, riot and civil commotion.

Uninsured/Underinsured Motorist Coverage

Uninsured/Underinsured Motorist Coverage gives you the assurance you need knowing that your medical expenses will be covered. 
In cases where the driver at fault does not have adequate insurance or no insurance at all to pay for your injuries and damages, you’ll be compensated for the amount in which you are legally entitled to – in regards to you, your passengers, and your vehicle. Uninsured/Underinsured Motorist Protection may also take care of property damage in some states.

  RECREATIONAL VEHICLE INSURANCE

You don’t want to be financially responsible for the possible injuries to your passengers, checking with us will keep help you know as you go and keep it a fun day.

Recreational Vehicle Insurance

You don’t want to be financially responsible for the possible injuries to your passengers, checking with us will keep help you know as you go and keep it a fun day.

for That extra bit of fun


No matter what type of Recreational Vehicle you have whether it be an ATV, Dune-Buggy, Golf-Cart, Boat, Yacht, Motorcycle, etc. we can give you peace of mind knowing that you have specialized coverage to protect you, your passengers and your recreational vehicle. Some of those coverage include:
Collision coverage, comprehensive coverage, property damage, bodily injury, uninsured or underinsured motorists coverage, medical payments or guest passenger liability.

GET A QUOTE

BODILY INJURY Liability

For injuries the insured causes to someone else.

Collision & Comprehensive

For damage to the insured’s car from a collision. The collision could be with another car, a light post, fire hydrant, tree, etc. For damage to the insured’s car that doesn’t involve a collision with another car. Covered risks include fire, theft, falling objects, missiles, explosion, earthquake, flood, riot and civil commotion.

MEDICAL PROTECTION 

Medical Payments or Personal Injury Protection (PIP). For treatment of injuries to the driver and passengers of the insured’s car. Personal Injury Protection can cover medical payments, lost wages and the cost of replacing services normally performed by someone injured in an auto accident.

Property Damage Liability 

For damage the insured caused to someone else’s property.

OTHER Motorist Coverage

Uninsured/Underinsured Motorist Coverage gives you the assurance you need knowing that your medical expenses will be covered. In cases where the driver at fault does not have adequate liability to pay for your injuries and damages, you’ll be compensated for the amount in which you are legally entitled to – in regards to you, your passengers, and your vehicle. Uninsured/Underinsured Motorist Protection may also take care of property damage in some states.

GUEST PASSENGER LIABILITY

Unlike auto insurance, where everyone in the car is automatically covered by liability insurance, passengers like on the back of a motorcycle or ATV for example, may not be. Laws surrounding this coverage depend on the state in which you reside and not every insurance carrier offers this coverage. You don’t want to be financially responsible for the possible injuries to your passengers, checking with us will keep help you know as you go and keep it a fun day.

BUSINESS INSURANCE

At Kiva Insurance, we’re committed to providing insurance solutions
that keep small to medium-sized businesses protected.

POLICY SOLUTIONS

That’s why we combine various coverage options into one convenient package – for more benefits than a typical Business policy and better savings through competitive pricing.

These policies are designed for businesses typically with gross receipts under $25,000,000 – there are two types of business policies that can be formatted to fit your business needs:
OPTION 1

Business Owners Policy (BOP)

Allows your business to create a customized insurance policy that combines Property, Crime Insurance, Equipment and Automobile coverage under one policy, as well as additional coverage types based on your needs.

The proper Business Owners Policy can keep your day-to-day operations protected with options such as: 
Products and Completed Operations, Premises Liability, Medical, Fire Legal Liability, Business Income, Extra Expenses, Building, Contents, On-Site Equipment, Crime Loss, Umbrella

OPTION 2

Commercial Package Policy (CPP)

A “packaged” policy that is designed for larger businesses.

Every package policy must have at least two parts: Property and Liability. Business clients may purchase any of the following coverage as a mono line coverage (that is, all by itself) or as part as a CPP: 
On Site Premises Liability, Products and Completed Operations Liability, Building and Contents, Equipment Breakdown, On and off site Equipment, Loss of Business Income, Automobile and Umbrella .

FIND OUT IF YOUR BUSINESS
IS ELIGIBLE


Specific types of businesses are eligible only on a Business Owners Policy and others on a Commercial Package Policy – our specialists at Kiva Insurance will be able to help you determine whether a BOP or CPP is right for you and your business.

CONTACT KIVA

AGRIBUSINESS INSURANCE

For farm insurance in Casa Grande, Buckeye, Wilcox, Queen Creek, Florence and Coolidge
or anywhere in between, look no further than Kiva Insurance.

It’s Your Livelihood.
Make Sure It’s Protected.


A great amount of responsibility goes into operating a farm, dairy or ranch. From the operation of equipment to the sometimes unpredictable nature of agricultural events, agribusiness owners are subject to a much higher risk of liability than other property owners. Kiva Insurance understands this risk, and is proud to offer complete liability protection for any of the following types of Agribusines:

Wineries , Wholesale Nurseries, Agro-Tourism, U-Pick Operations,
Horse Operations: Including Boarding, Breeding and Training, 
Crop Farmers: Cotton, grain, hay, nuts, citrus or vegetables,
Dairy Farmer, Seed Farms, Cattle Ranches, Feedlots, Sod Farms

CONTACT US

HOME & CONTENT

Generally your Farmowners Insurance covers your home and its contents, your rentals or employee dwellings, detached garages.  Coverage for your home and contents can be insured under Basic, Broad or Special causes of loss and can be given Replacement Cost or Actual Cash Value on the dwelling and/or contents-with Kiva we routinely recommend the best coverage:  Special with Replacement Cost.

FARM STRUCTURES

Your farm policy should cover loss or damage to buildings and structures used in your farming operations. This includes barns, confinement facilities, dairy parlors, silos, portable buildings, pens, chutes and corral fencing, building materials intended to be used on farm buildings, private telephone and electrical apparatus and irrigation equipment and so much more, since every farming operation is unique in itself.

EQUIPMENT

Farm Personal Property coverages include items used in your farming operations, generally in three categories:  Farm machinery and equipment, Livestock and Farm Products such as hay, grain, silage, animal feed, pesticides, fertilizers, etc. Most farm policies allow you to insure your Equipment and Farm Personal Property on either a scheduled or blanket basis: Scheduled property is listed by item individually on your policy, with a separate limit stated for each piece. Blanket coverage covers ALL equipment and farm personal property at the insureds farming operation location.

LIABILITY

The liability portion of your policy covers property and bodily injury expenses for others that you are deemed responsible for causing.  It also includes completed products coverage for a defective commodity you introduce into the public such as hay, cotton, nuts, milk, fruits, vegetables, etc.  Your coverage includes attorneys’ fees and costs to defend you, which can be among the most important aspect of this protection.  Liability coverage for farm machinery and equipment is generally provided both on and off your premise.

BUSINESS & PERSONAL AUTO

Coverage for your commercial farm trucks and your personal automobiles can be added to your farm insurance package. Commercial farm automobile coverage provides physical damage coverage such as comprehensive and collision, as well as bodily injury and property damage liability coverage.

UMBRELLA

An Umbrella policy extends your liability protection over your Farmowners policy along with other liability policies such as business and personal auto, recreational vehicles, boats, etc.

POLICY COVERAGE

There are a number of factors that may influence the type of coverage you’ll need, such as the size and type of your farm. Our farm insurance professionals will help you design the right policy to ensure that all of your special interests are protected. It’s important to understand which causes of loss “perils” your policy covers, there are three causes of loss form options you have:
OPTION 1

Basic Form

Includes:

Fire; Lightning; Wind; Hail; Aircraft Impact; Civil Commotion; Volcanic Eruption; Explosion; Smoke; Theft

OPTION 2

Broad Form

Includes all basic form plus:

Accidental discharge and leakage of water system;
Artificially generated electrical current; Falling objects;
Breaking of glass that’s part of a building or structure;
Bursting of heating or water systems; Freezing of plumbing, heating, AC and automatic fire protection system, components, and household appliances; accidental tearing apart, cracking or bulging due to steam or water system
Weight of ice, snow and sleet.

OPTION 3

Special Form

ALL BASIC & BROAD COVERAGE PLUS…

Provides coverage for risks of direct physical loss to eligible property, unless excluded by the policy language.

YOUR NEEDS

WHAT WILL WORK FOR YOU

There are two ways your property’s value can be insured:

Replacement Cost (RC): Pays the actual amount to replace the damaged property at the time of the loss, with materials of like kind and quality without deduction for depreciation. Payment is capped at the limit of insurance shown for that piece of property.

Actual Cash Value (ACV): Pays the cost to replace the property at the time of loss, reduced to reflect for depreciation.

CROP INSURANCE

KEEP YOUR FARM AFLOAT IN TIMES OF TROUBLE

The farming and agricultural industry often involves risk and uncertainty. From unexpected natural disasters to major economic changes in the marketplace, many situations can affect the productivity of your agribusiness.

 At Kiva Insurance, we know that the success of your farm directly impacts the livelihood of you and your family. With the right Crop Insurance coverage, you can protect your business and keep your farm afloat through all of the difficult times. Crop Insurance can include coverage for losses to your crops due to natural disasters such as drought, flood or hail as well as other perils like insects or disease and coverage for revenue changes in the price of a crop that occurs during the crop’s growing season. You’ve poured years of hard labor and honest work into your agribusiness, and when times are tough, you’ll need an agency you can depend on. Talk to a specialist at Kiva Insurance to learn more about how Crop Insurance can help ensure the continued service of your farm for years to come.

Equine Insurance

HORSE OWNERS HAVE UNIQUE NEEDS

Standard homeowners or farm insurance policies do not adequately cover equine operations such as breeding, boarding, transporting or training of horses.

Our agents will work with you to design the appropriate coverage at the best price.

Special coverages for horse owners and businesses involving equine should include:
 -Stable liability; liability coverage for stable owner’s operations
-Care, custody and control; covers horses which are in your care
-Equine mortality; coverage for horse death due to accident, sickness, disease; may also include surgical costs coverage -Transportation of horses off premises
-Theft of tack and equipment
-Hay and feed coverage
-Barns, stables, arenas and other structures on the premises, including personal homes

LIFE INSURANCE

Kiva will keep your family protected when the unexpected happens.

Protect What Matters Most

Your family is your responsibility and your life, and there’s nothing better than watching them succeed and sharing in their ambitions, dreams, and conquests.

At Kiva Insurance, we’ll work with you to keep your family protected in the event of your untimely death. A proper Life Insurance policy can give you peace of mind knowing that your finances and beneficiaries are secure – from temporary to permanent coverage.


Things can change


At Kiva Insurance, we understand that as things in your life change, so will your financial and insurance needs. That’s why it’s important to review your Life Insurance options with a specialist you can trust.

Whatever your situation, we offer Life Insurance options, such as:
 
-Individual Life Insurance
-Group Life Insurance
-Long-Term Care Insurance
-Mortgage Protection Insurance
-Disability Insurance
-Second-To-Die Policy
-Key Person (Key Men) Insurance

Why Life Insurance?

It’s an investment in yourself and the future of your loved ones, and it’s a way to secure your financial responsibilities to your family. Your Life Insurance policy can be used to pay off debts and estate taxes, provide money for continuing mortgage payments, and keep your business up and running upon your passing. But most important, it can be used to ensure that your family’s dreams for the future become realities.

Protect what matters most in your life with a policy from Kiva Insurance.

WANT MORE INFORMATION ABOUT OUR POLICIES?

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