You have a lot of flexibility as a homeowner. Sometimes, you have to make difficult decisions like what color to paint the inside of your house or how to landscape your yard. Other times, the decisions are easy – like whether to buy home insurance. When it comes to your house, protecting your investment is a top priority. At Neeley Insurance, we help Arizona homeowners like you find quality coverage and affordable prices on insurance solutions that uniquely designed to meeting your individual coverage needs.
Have you considered how you and your family would be affected by a house fire? Not only would you have clean-up and rebuilding expenses to contend with, but you would also need to replace all of your damaged or destroyed belongings and find a temporary place to live. This is just one scenario in which home insurance could provide a valuable safety net that could protect you against hundreds of thousands of dollars in personal losses.
Types of Arizona Home Insurance
While most home insurance policies in Arizona offer similar types of protection, there are many facets of your coverage that are personalized to fit your unique needs. Our team can help you make important decisions about your insurance and explain the differences in each coverage type, some of which may include:
This is the coverage that pays to repair or rebuild your home if it is damaged or destroyed due to a covered peril listed in your policy. Generally, these can include coverage for fires, wind, lightning, theft, vandalism, and more.
Coverage for Unattached Structures
Your house isn’t the only thing that may need to be rebuilt after a covered event – outer structures like fences, sheds, and unattached garages need coverage, too.
Personal belongings Insurance
The value of your personal belongings is probably more than you think. Whether you lose everything in a fire or come home to find all of your valuables and electronics missing after a burglary, the personal belongings coverage in your home insurance policy can help you replace your losses. From your furniture and appliances to your wardrobe and jewelry, it’s covered under your home insurance.
Temporary Living Expense Coverage
When a fire or other major event leaves your home uninhabitable, your family will need a temporary place to live. While you may still be responsible for the mortgage on your home during the repair process, living in a temporary location will not have to be a financial burden so long as you have home insurance with temporary living expense coverage.
Major disasters are not the only risks your home insurance protects against. The liability coverage on your policy can help pay for medical expenses if a guest is injured in your home. It can also help pay for lawsuits against you for non-collision accidents, such as a dog bite.
Arizona Home Insurance Discounts
Premium Arizona home insurance coverage does not have to come at a premium price. At Neeley Insurance, we shop around for coverage from multiple providers until we connect you with a policy that fits both your needs and budget. We can also help you find discounts, such as:
- Safe home discounts
- Multiple policy discounts
- Claims-free discounts
- New home discounts
- And more!
For more information about Arizona home insurance or to request your free quote, contact our office today.