Are you looking for Homeowners Insurance Coverage? Welcome to San Tan Insurance! We work with many home insurance companies serving all of Arizona, and are located in downtown Gilbert.
Call (480) 391-3883 for a quote to insure your house and personal property.
We research the best Home Insurance rates and coverage options.
What Does Home Insurance Cover?
This coverage provides funds to repair or replace your home up to the limit of the policy if it is not a guaranteed replacement policy. Not all home insurance policies are the same. Some offer replacement cost, while others offer replacement cost up to a certain limit. It is important to understand what it will take to replace your home. Failure to understand this important item may be the difference between having enough coverage to pay for rebuilding your home or not. There are many limitations, conditions, and exclusions on this coverage. It is important to understand them all. Continue reading…
This is a coverage that provides monies to repair or replace your contents up to the limit of the policy. There are many limitations, conditions, and exclusions on this coverage. It is important to understand them all.
This coverage is usually a percentage of the dwelling coverage, and can only be used for other structures for damages that fall within the scope of the policy. Most policies place other structure coverage limits at 10% of the dwelling amount.
This is a very important coverage. It provides coverage in case someone is hurt on your property. For example, if your dog bites someone, this coverage will pay for the medical expenses and all the damages associated with that claim. Failure to have enough coverage may create a financial loss for you. There are also additional options that would allow this coverage to be used. There are many limitations, conditions, and exclusions on this coverage. It is important to understand them all.
It is important to understand what items are covered under the home insurance base policy and which items may need to be specifically listed on the policy. Not all personal possessions are covered under the base part of the personal property coverage.
What is a Personal Liability Umbrella?
This policy was designed to provide coverage for losses that would have a higher dollar amount than your home or auto liability limits. If you have assets that are over your auto/home liability limits, this policy is crucial. If you do not have enough liability coverage, your personal assets may be at risk. This means that you may have to sell those possessions in order to pay for the damages that were caused due to your negligence.
If you own a property, it is essential to safeguard it and everything inside it and a good homeowners insurance policy can keep you covered. Crucially, this form of insurance also protects you against personal injury lawsuits. You should already have home insurance, because mortgage lenders make it a condition of the loan, but in the event you want to know more about your coverage, continue reading as we go through home insurance frequently asked questions.
Home insurance will cover against interior and exterior damages for your home, as well as any loss or damage of personal belongings. Coverage should also include the cost of liability damages and injuries caused by yourself, your family or pets. Home insurance will cover rental costs for a hotel or house as your home is being repaired. Continue reading…
Home insurance will already protect you as far as personal injury or damages to property are concerned when you are considered to be legally responsible. Your policy will cover you when injury is caused by falling, slipping or any other injury on your property, such as a bite inflicted by your dog. Continue reading…
Most policies will start in the $100,000 range, but industry experts will recommend that you get coverage of $300,000 or more. To supplement that coverage in the case of a large lawsuit, look into umbrella insurance for as little as a couple of hundred more, which could give you $1 million worth of liability protection. Continue reading…
Not all home insurance is the same. Generally, the more you are willing to pay, the better the protection you receive. There are several different types of home coverage available: actual cash value, replacement cost, guaranteed replacement cost, extended replacement, and inflation guarantee. Continue reading…
Premium costs are determined by the type of coverage you purchase. Before coverage is purchased, you must know the market value of the home, the location of the home, the amount of liability needed and an inventory of the personal belongings contained within amongst other factors. Continue reading…
A grace period is a given amount of time that the home is still covered once the policy has lapsed. Not all states require insurers to give you a grace period, which means that you are not covered for damages, losses or liability claims if the insurer does not have to offer a grace period. Continue reading