Arizona Home Insurance

First time home buyers are asked to obtain HAZARD INSURANCE before they can close escrow.  The title company and mortgage company are requiring you to buy a Home insurance policy.  For most Americans, their home is the single most important asset.  You protect that asset with a Homeowners Insurance policy if you plan on living in the home… or a Rental Dwelling policy if you plan on using the property as a rental.  The policy should be tailored to fit your specific needs because there are limits on certain types of losses.  Examples include limited coverage for Jewelry, computers, business property in the home… to name just a few.  My recommendation on obtaining your home insurance is to take the time to review your unique situation with your insurance professional and tailor the policy to you.  It is always better to find out the limitations before you have a claim!

Homeowners insurance Arizona is designed to protect you from events and accidents. If a tree falls on your roof during a storm, the insurance will cover your roof repairs, other structural repairs and your household belongings. Insurance covers robberies and most weather related incidents excluding floods. You can get your house rebuilt and the belongings covered if there is a fire. However, one of the most important features is the ability to shield you from lawsuits. If someone is accidentally hurt on your property, the insurance will cover their medical bills.

Arizona Home Insurance Quote

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There are several types of coverages, and understanding them will help you ensure that you have the right coverage and levels.
• Property Damage – This is what you will file under if hail damages the roof or a windstorm blows out a window.
• Contents Insurance – This covers home contents like furniture and clothes. High-valued items like jewelry and electronics should be covered under a dedicated rider.
• Loss or Use – Also known as additional living expenses, this coverage pays for you to have a place to live while your home is being repaired.
• Personal Liability – This is what covers you in the event of a lawsuit due to bodily, property or personal injury to one of your guests.
• Medical Payments – Regardless of whose fault an accident is, this coverage pays for the reasonable expenses associated with their medical care.