Arizona home owner insurance, phoenix and scottsdale home insurance policy quote

Arizona home owner insurance and Phoenix home owner insurance is highly competitive. No one can beat our Scottsdale home owner insurance quotes and home insurance rates. Online policy service is only one of the features our company can offer you. You will also have your own personal home insurance agent to help advise you on the proper coverage's and how best to protect your most valuable possessions.

Some of our most frequently asked questions:

1. Do I need to insure my home for the full purchase price?

Answer: No. the purchase price of a house usually includes the land or lot that it's sitting on. Since the land cannot burn down or wash away there is no need to insure the value of the lot.

2. The mortgage company wants me to insure the purchase of my new home for the full amount of the loan.

Answer: A home owner's insurance policy will only cover the dwelling/structure and personal property inside the house. If the mortgage company lends you 80-100% of the total cost, there is no need to insure the land, too. Therefore you would be over-insuring your home and paying too much for your Arizona home owner insurance policy. Regardless of how much the mortgage company lends you, the Insurance Company will only pay to rebuild the structure.

3.. Will my jewelry, artwork, or collectibles be covered?

Answers: Any item of value needs to be listed separately on the Phoenix home owner insurance policy as Scheduled Personal Property. Arizona home owner insurance only allows up to $2,500 in personal property coverage. For each item of value you will need an appraisal that is no more than two years old.

4. Scottsdale, Phoenix, Glendale, Tempe, Mesa, Chandler, Gilbert, in fact most all of Arizona homes are rocketing up in value. Will my home insurance policy keep up with the escalating values?

Answer: Our home owner's policy has a 120% replacement clause to keep up with inflation and the rapidly rising values of Arizona property.