Getting the Right Homeowners Insurance Coverage in Arizona?
Homeowners insurance in Arizona provides financial protection against a variety of risks.
Whether you’re buying a home or you want to find a lower homeowners insurance rate, it’s important to have coverage, as a safeguard against property damage, theft and unforeseen liabilities.
Protect your property with the right homeowners insurance in Arizona.
Arizona Homeowners Insurance
It’s wise for property owners to maintain homeowners insurance.
However, if you own a home in Arizona, state regulators do not require you to have homeowners insurance coverage.
Although, if your home is secured by a mortgage loan, your lender will require you to maintain homeowners insurance coverage.
Types of Homeowners Insurance Coverage
Shown below are some basic insurance coverages for Arizona homeowners.
Dwelling Coverage – pays to repair or to replace items that are covered by your policy.
Other Structures – provides coverage for unattached structures, such a fence or a shed.
Personal Property – covers damaged or stolen valuables, such as your furniture, jewelry, electronics or clothing.
Liability Coverage – covers bodily injury and legal expenses for guests who are injured in your home or on your property.
Medical Payments to Others – pays the medical bills for guests who are injured on your property.
Homeowners Insurance Policies
A homeowners insurance policy adheres to certain limits and deductibles.
Your homeowners insurance policy will list specific perils for covered items.
Homeowners insurance policies are typically governed by coverages that range from HO-1 through HO-8.
Speaking with a licensed insurance agent in Arizona can ensure that you have the right type of property protection.
Because, a tragic event could cause you to lose thousands of dollars and certain situations could lead to financial ruin for your family.
Smart Options Insurance Agency can help you select the right homeowners insurance.
Get a Quote Today
The best time to get insurance is prior to an emergency.
Take a few minutes to review some Arizona insurance rates.
We’ll provide you with superior customer service and competitive insurance rates.
So, instead of just reviewing insurance rates online, you can speak with us about getting the right homeowners insurance coverage for your needs.
We’re based here in Arizona.
You can get a free quote today!
Contact Smart Options Insurance Agency today about protection for your property.
