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If your loan value is greater than $250,000 would you like to insure your property for that increased value?

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4 years ago · by · 0 comments

Rural Metro Insurance Issues

Rural Metro is the contracted emergency response service in a significant number of metropolitan and suburban areas across the US.  In many of these areas, a Rural Metro subscription is required to avoid being billed after the fact for emergency response ‘services’.

Evaluating the cost over value basis for purchasing a Rural Metro subscription can be difficult when you can’t get definitive answers. We’ve created a simple infographic to address the most common questions related to Rural Metro service.

A Rural Metro subscription is not required for most homeowners and health insurance carriers to provide coverage.  Why?  Because Rural Metro must respond to ALL emergencies regardless of the subscription status of the property owner.

Consider the following:

1) Despite what Rural Metro personnel typically tell residents, a subscription (in most cases) will not lower your homeowners insurance premium. There is a separate organization (ISO) that provides Public Protection Classification (PPC) ratings. These ratings are used by insurance carriers to calculate premium ratings.

2) It is illegal for an agent, producer or carrier to use a PPC rating other than the one provided by ISO when determining your premium calculation.  

3) Carriers and agents caught using PPC ratings other than those provided by ISO were put on notice in with AZ Dept of Insurance Regulatory Bulletin 2014-07, “The Department will, through its market conduct and rate examinations, as well as investigations, review whether a fire protection service credit has been allowed when the policyholder does not have a fire protection service contract, will not consider such credits as merely “inadvertent errors,” and will take disciplinary action as appropriate against any producer and/or insurer found to be in violation of Arizona laws. (ARS 20-443, ARS 20-451, ARS 20-385).”  Failure to correctly rate your property puts you, your agent and the carrier at risk of disciplinary action in Arizona and introduces the possibility of a claim being denied. If you’d like a copy of the above reference Regulatory Bulletin, let us know, it’s not confidential info.

4) As an example, current Rio Verde Foothills (located in Maricopa County, Arizona) ISO PPC ratings are 8W with a subscription and 10 without – if your property is within 5 miles of the Rural Metro station on Rio Verde Drive (Station #826). If you are further north on 136th Street or one of the other nearby streets, your distance may be as much as 8-9 miles from the responding station and this means your ISO PPC rating regardless of subscription will be a 10. If this is not the rating your agent/ producer has used for your current homeowners policy your policy is in direct violation of the Regulatory Bulletin cited above. (We have seen several of the captive carriers agents using PPC ratings of 3 and 4, which are City of Scottsdale and Rio Verde/ Tonto Verde community ratings instead of those identified above.)

5) The only true cost savings afforded by a Rural Metro subscription are with regard to the fee(s) charged for their response. These fees can be confirmed by contacting Rural Metro directly.

Rural Metro subscription fees when compared to property taxes are not unreasonable.  However, the cost over value scenario requires evaluating the fee paid for first responders and/or fire trucks versus the cost of annual subscriptions over a specific time frame.  It also requires understanding how your homeowners and health insurance policies will be triggered and what they cover in the event that emergency response must be summoned.  Some policies will pay the entire fee, some will pay only $500-$1,000, and some will pay nothing at all – the contract is silent with regard to response fees.

Avoiding gaps in coverage begins with an audit conducted by a geographically competent insurance broker.  Feel free to give us a call today!

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4 years ago · by · 0 comments

Leadership and learning are indispensable to each other.  –  John F. Kennedy

Hello and welcome to our site!

We’ve created this site so that we can share information and education with our clients and prospective clients.  As a discerning client you want an agent you can trust and respect as a professional worthy of doing business with.

As an agent we want clients who appreciate working with competent professionals and leaders in the industry.  We also want clients who understand that we take our obligation to lead, learn and to teach very seriously.

More importantly, we want our clients to know and understand that we value the trust you placed in us and we’ll work hard to maintain that trust by continuing to learn and then sharing information that’s vital to you as you make decisions in the years and decades to come that will protect and affect you and your family’s financial stability.

We are currently licensed to write business in Arizona, California, Colorado, Michigan, Ohio, Florida and Washington.  We have access to more than 15 of the largest and most reputable independant carriers in the country.  Between our direct appointments and partner relationships we can help you care for each and every insurance requirement you have – auto, commercial, flood, home, life – we’ve got you covered.

However, we do more than just offer information and knowledge, we provide the tools to put that knowledge to work in a way that best serves you.  So, if you have questions, feel free to email and ask.  In the meantime, we’ll continue building our reputation as some of the best agents in Arizona by helping you learn and grow while we provide what we’re licensed to…

Accurate answers.  Accurate coverage.  Accurate Insurance.

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Take care of your family!

Insurances for
your family's future

Inadequate life insurance and auto insurance could rob your family of the life they deserve. Losing you is loss enough, make sure they remember you for remembering them!

Mailing Address

Orbis Vestra
Aaron Eckburg

44047 N 43rd Ave #75604
Phoenix, AZ 85087

Contact details

(602) 730 2540

Available 8:00am - 8:00pm

All insurance policies written through
ACC Insurance Agency, LLC and Eckburg, PLLC;
Arizona resident licensed brokerages.

Licensed - AZ, CA, CO, MI, OH, FL, UT, WA