Homeowners Insurance
Homeowners insurance helps protect you from the cost of having to repair or rebuild your home (and other structures) after an incident, such as a fire or damaging storm. In addition, the liability coverage portion helps protect you and resident family members from many lawsuits alleging you’re responsible for damage or injury to another party. Home insurance isn’t required by law but is required by lenders, if your home has a mortgage.
Homeowners Insurance Coverage
Even if you own your home outright, it’s usually a good idea to have insurance coverage, at least for catastrophic losses. There are many coverage options available that might be a good fit, depending on your needs.
Personal Liability
Covers bodily injury and property damage you or a resident family member cause to another party.
Dwelling
Covers physical damage to your home and attached structures caused by a variety of perils, such as weather, fire, or vandalism.
Other Structures
Covers physical damage to other structures on your property that aren’t attached to your home, such as a shed.
Loss of Use
Covers the cost of a hotel room while your home is unlivable after a covered loss.
Personal Property
Covers your personal property such as clothing, furniture, electronics, and more.
Jewelry & Collectibles
Covers theft and disappearance of jewelry and other high-risk items that have a limit of coverage on a standard policy.
Medical Payments
Covers medical expenses for guests that are injured on your property, without regard to fault.
Homeowners Insurance Discounts
Insurance companies offer discounts for a variety of things. Some discounts are common to nearly all companies and others are specific to the carrier. Some common discounts are listed below. Be sure to review all discounts offered by the company once you’ve narrowed down your quotes to a few potential carriers.
Package
Pay in full
Protective devices
New roof
EFT payments
Claim free
Fire Extinguisher
Occupation
And more
Properties
Since we’re an independent agency, we can offer coverage on nearly any type of risk, from tenants to homeowners to landlords. There’s no better way to get homeowners insurance quotes in Chandler, AZ.