The unexpected has happened. You meant to step on the brake for a smooth stop but instead hit the gas pedal for a disastrous crash into the garage’s door of your home. Before you file a claim with your auto insurance company, there are two things that you should know about liability assurance in Green Valley, Arizona; both of which an agent and Insurance Center of Green Valley can help you understand.
Your Policy Does Not Always Cover Damages to Property You Own
Liability insurance is meant to cover damages that you cause to someone’s else. You cannot use that portion of your indemnity policy to pay for repairs to your car if you are the culprit who ran through your home’s garage. Such is not the case for a rented house since you, technically, are not the property owner. Liability auto insurance will cover damages related to your vehicle as well as the home’s structure if you happen to run into the garage door. Your landlord, of course, would need to file a claim with your car’s insurance company to reap the benefits of your policy.
Homeowner’s Insurance May Be Necessary If You Own Both the Car and Home In Question
Those who find themselves out of luck for filing an auto insurance claim for running the car through the garage may be able to file a claim on their homeowner’s insurance plan. Technically, your accidental takedown of the garage door caused structural damage that can lead to thousands paid for housing repairs. Thankfully, homeowner’s insurance plans do not have a clause that prohibits you from filing a claim if you cause damage to your residence.
It is always a good idea to check with your local insurance agent to be sure of your auto and homeowner’s assurance policy limits. Agents and brokers at Insurance Center of Green Valley can help you obtain the best indemnity plan to suit your needs in Green Valley, Arizona. Contact us today for a quote!
Most lenders require investors to purchase home insurance whenever they borrow money. It covers their interests. However, most homeowners aren’t aware of what house insurance entails. Insurance Center of Green Valley Arizona offers five facts that every home owner must know.
Covers Specific Property
Home insurance covers electronics, firearms, furs, and jewelry. However, if they are worth over the limit insured, you will incur extra losses unless you have an umbrella cover. Besides, the policy protects property outside your house such as a laptop inside a car.
Proper Home Maintenance Is Vital
Most insurance firms are keen on ensuring that your items are in excellent condition. Therefore, damages incurred due to house neglect may not be reimbursed. Trim your live fence and regularly inspect your roof for any leakages. In case an unusual water bill increase occurs, it indicates that there is a leak within or outside your home. You should repair it promptly.
According to the Arizona laws, home insurance policy coverage cannot be canceled unless based on the following conditions:
- Nonpayment of premium
- If the insured is convicted of crimes deemed to increase the chance of insured risk
- Frauds detected in the policy
- Gross negligence by the insured increasing the chance for risk to occur
- Significant change in the perils assumed by the insurance provider
- A beyond reasonable doubt determination by director of insurance that the insurer will violate the state laws if the policy holds
Homeowners’ Policy claims
Regardless of the type of home insurance policy you have, when you make a claim, there are three options for you, namely:
- Cash value coverage also called market value coverage
- Replacement coverage
- Extended replacement or guaranteed replacement cost coverage
In case of an occurrence in your home, do not hesitate to contact your insurance provider. Most companies have a specified period for making claim beyond which may be difficult to file.
If you need home insurance in Arizona, get in touch with Insurance Center of Green Valley. You can also use their online rating tool for auto.