|
Arizona Homeowners Insurance Information
|
|
Whether you own a house, condominium or townhouse, for most people
their home is their most important investment. Arizona Premier Insurance Agency of Mesa, AZ offers Arizona homeowners insurance policies that have flexibility to meet your individual needs and above all, provide you with the security that comes only from the knowledge that your home is safe. |
|
Insurance for your home is one of the most popular
and important forms of personal insurance and the typical Arizona homeowners insurance policy has two main sections: |
|
Section I - insurance coverage for your property
Section II - personal liability coverage (to cover you
in case of lawsuits arising from things that happen on your property) |
|
Arizona homeowners insurance is often required by
lenders to obtain a mortgage and nearly everyone, whether you own or lease property, should have the protection of home owners insurance. |
|
Arizona Homeowners Insurance Policy FAQ
|
|
Click on the link below to fill out a secure quote request form for an
Arizona Homeowners Insurance policy that will provide excellent insurance coverage at an affordable cost. Or you can speak with our Phoenix, Arizona area Homeowners Insurance specialist toll free at (888) 270-3434 to discuss the policy features in more detail. |
|
We are a Mesa, AZ insurance agency offering Arizona homeowners insurance to
residents located in the following cities and counties throughout the Grand Canyon state of Arizona: Phoenix, Gilbert, Peoria, Glendale, Sun City, Maricopa, Sun Lakes, Chandler, Scottsdale, Sun City West, Tempe, Paradise Valley, Apache Junction, Fountain Hills, Guadalupe, Laveen, Tolleson, Avondale, Santa Maria, Buckeye, Perryville, Liberty, Higley, Litchfield Park, Youngtown, El Mirage, Surprise, Morristown, Wittmann, Fort McDowell, Goodyear, Chandler Heights, Palo Verde, Rainbow Valley, Komatke, Carefree, Bapchule, Queen Creek, New River, Casa Blanca, Oro Valley, Tucson, Cortaro, Vail, Sahuarita, Benson, Sonoita, Elgin, Green Valley, Continental, San Xavier, Madera Canyon, Patagonia, Nogales, Tubac, Amado, South Tucson, Carmen, Pan Tak, Rillito, Redington, Marana, Red Rock, Picacho, Oracle, San Manuel, Mt. Lemmon, Catalina, Mammoth, Eloy, Casa Grande, Arizona City, San Tan Valley, Florence, Cave Creek, Ahwatukee, Las Sendas, Clifton, Morenci, Coolidge, Oak Creek, Gold Canyon, Payson, Safford, Globe, Yavapai County, Pinal County, Gila County, Pima County, and Maricopa County, AZ. We can also provide affordable Arizona homeowners insurance premium rates in the cities of Flagstaff, Prescott Valley, Yuma, Lake Havasu City, Kingman, Sedona, Bullhead City, and Prescott, AZ. |
|
Covered losses under a Arizona homeowners insurance policy can be paid on either a
replacement cost basis or on an actual cash value basis. When "actual cash value" is used, the policy owner is entitled to the depreciated value of the damaged property. Therefore, the older the item is, the less money you may receive for it. If you choose the "replacement cost" coverage, the Arizona homeowners insurance policy will reinburse the amount it costs to replace the property with something of a similar type and quality at current prices. |
|
Arizona Homeowners Insurance Policy FAQ
|
|
Personal liability in an Arizona homeowners insurance policy is also an important part of
having security from accidents that may occur on your property. We suggest you choose coverage limits that are not less than those on other liability insurance you own, such as car insurance. |
|
Arizona Homeowners Insurance Policy FAQ
|
|
Click on the link below to fill out a secure quote request form for a lower cost Arizona
Homeowners Insurance policy premium rate quote that will provide excellent insurance coverage at an affordable cost. Or you can speak with our Arizona Homeowners Insurance specialist toll free at (888) 270-3434 to discuss the features in more detail. |
|
Replacement Cost or Actual Cash Value
|
|
All Risks or Named Perils
|
|
Coinsurance Penalty
|
|
Personal Liability
|
|
Arizona Homeowners Insurance Policy FAQ
|
|
If your policy limit is less than 80% of the replacement cost of your home, you will face a
"coinsurance penalty," which means you'll have out-of-pocket expenses to cover costs beyond the policy deductible you chose. For example purposes we will assume your home's estimated replacement value (RCV) is $200,000. The co-insurance clause requires you carry at least $160,000 (80% of your RCV). If you chose to purchase only a $80,000 Arizona Homeowners Insurance policy you would be underinsured by half. Therefore, in the example the insurance company would pay one-half of a loss less the policy deductible, so if you suffered a $20,000 covered loss to your house, condominium or townhouse and had a $500 deductible, your policy would only pay $9,500. |
|
Arizona Homeowners Insurance Policy FAQ
|
|
An "All Risks" policy provides the broadest Arizona homeowners insurance protection
because it will cover losses that are due to any peril except those specifically excluded in the policy. A "Named Perils" policy covers losses that are due to only those perils listed in the standard Arizona Homeowners Insurance policy and typically include fire, hail, windstorm, and other physical losses. |
|
**The information, pictures, and other content in this website about particular insurance
services is only provided for informational purposes. Any decisions regarding your insurance needs should be discussed with a licensed insurance agent. |
|
Homeowners
Insurance
|
|
Arizona
Personal Insurance
|
|
Arizona Premier
Insurance Agency
1744 S. Val Vista Drive
Suite 206
Mesa, Arizona 85204
@ Dana Park Village Square
Maricopa County, AZ
Office: (888) 270-3434
Fax: (480) 633-8885
|
|
Answer a few questions and
we can provide you with an
insurance quote by phone or email. Choose an Arizona personal or business insurance coverage from the menu above. |
|
Hablo Espanol
|
|
Arizona Premier Insurance Agency, LLC
Copyright 2009-2011, All rights reserved
|
|
Website Builder & Supervised by InsuranceWebsiteServices.com
|