Summer is a great time for almost everyone. Kids are out of school and enjoying the outdoors more. You are entertaining and your liability risk is rising. You may be planning a summer vacation away. It is time to take a good look at your home and make sure that it is as safe as possible. At Insurance Center of Green Valley in Green Valley, AZ, we have been serving the Green Valley since 1989. We represent more than 20 carriers giving our customers choices only an independent agency can.
Keep poison out of reach
During the warm weather, lots of chemicals and poisons find their way into your yard and garage. They can be very dangerous to small children and pets. Make sure everything is stored away from areas where it can be accidentally ingested or touched.
Secure the pool
Pools are a danger to not only your children but any neighborhood children. Safety gates and fencing help but if you can install a pool alarm that is even better. The alarm will go off if anything breaks the surface of the water. Hot tiles or pavement can also cause burns especially when it is very hot. Always try to make sure there is some shade available. If you have a wading pool, never leave it out with water in it, always empty it and turn it over.
Falls from the play equipment in your yard can result in sprains and breaks. Making sure that adequate padding breaks any falls can cut down on the number of summer injuries.
Grilling is part of the fabric of summer. Using a grill safely is important. Make sure it is far enough away from any structure that a flare-up doesn’t lead to a fire. Grills need to be cleaned regularly.
Contact Insurance Center of Green Valley in Green Valley, AZ with your home insurance needs.
The Green Valley, AZ area is a fast-growing part of Arizona. Those that choose to move to this area of the state will find that owning a home could be a great decision and investment. If you decide to purchase a home in this area, you will want to have insurance for it. There are several reasons why someone here will need to get a home insurance plan.
Protection for Assets
One of the main benefits of having a home insurance policy is that it will give you protection for your assets. When you have home insurance, you can receive coverage to repair or replace both your dwelling and your personal assets. This can prove to save you considerably if there is ever a fire, bad weather damage, or another situation that causes a loss for you.
Personal Liability Protection
A property owner should also be aware that they are going to take on liability risk. Ultimately, you have some responsibility for anybody that comes into your property. If a guest is hurt when they are on your premises, you may be held responsible for it. When you have a proper insurance policy it will give the coverage you need to mitigate this risk.
There will always be plenty of reasons why a property owner should get a home insurance policy. If you are in the Green Valley, AZ area and need insurance, the Insurance Center of Green Valley is a great company to have to help you choose a new plan. There are a lot of important decisions that need to be made and the Insurance Center of Green Valley can help you better evaluate your needs and options. This will give you the guidance necessary to pick a plan that works for you.
Home is not only where your heart is but the place that you have invested your hard-earned money. To protect it properly and adequately, you need an efficient home insurance policy. Also, if you borrowed the money to purchase your home from a bank, mortgage company, or another lender, you will be required to have a home insurance policy in place. The home insurance agents at the Insurance Center of Green Valley, located in Green Valley, AZ, have the knowledge and experience required to assist you in choosing the best home insurance policy for you and your home.
What Does a Home Insurance Policy Cover?
Your home insurance policy will cover, first and foremost, the structure of the home, along with any outbuildings, such as a shed, a garage, or even a deck. It will also provide coverage for your personal belongings, furniture, and appliances, if they are destroyed or damaged in a fire, due to vandalism, or become the victim of a natural disaster. Your home insurance policy will pay to repair or rebuild your home and to replace the contents inside if one of these horrible incidents occurs and also if your home is broken into and items are stolen or damaged.
Start Your Home Insurance Policy Today!
There are several additional policies you can get to protect your home, including flood insurance and earthquake insurance. To figure out the best policy for you and your situation and to obtain the peace of mind you need and deserve when it comes to your beautiful home, call upon the home insurance agents at the Insurance Center of Green Valley in Green Valley, AZ today!
You need to buy a home insurance policy when you purchase a home. Home insurance is important because a home is such a valuable asset that you need to protect.
We provide home insurance policies to homeowners in Green Valley, AZ at the Insurance Center of Green Valley. The following are three questions to ask before you purchase a home insurance policy in Arizona.
Is home insurance required?
A lot of homeowners want to know if they’re legally obligated to purchase home insurance. Home insurance is generally not required by law. However, it’s worth noting that mortgage lenders will only lend money to a consumer to buy a home if the home is insured.
If you are still paying off a mortgage, you will be required to buy home insurance. Home insurance is also just generally a good idea to secure your finances even if you’re no longer paying off a mortgage.
What types of damage will home insurance cover?
A standard home insurance policy will cover liability costs and damages from fire or lightning storms. However, home insurance will generally not cover damage from floods and earthquakes.
How can I bring my premium costs down?
There are many ways you could potentially bring home insurance costs down. You may be able to bring costs down by making improvements to your home that increase safety.
You also might be able to save money by buying other types of insurance like car insurance from the same provider. Providers will sometimes give you a discount for bundling policies like this.
We can provide you with answers to your questions about our home insurance policies in Green Valley, AZ. Contact us for more information.
In the Green Valley, AZ area, there are a lot of advantages that come when you own a home. Those that are here and buy a property will continue to enjoy the long-term price appreciation, tax benefits while also having a stable place to live in a nice community. As you are looking to get a home here, you should also get home insurance. There are several benefits that come when you get a home insurance policy.
Insurance Covers Your Assets
One of the benefits that come with home insurance is coverage for your assets. If you do buy a home, you will be making a big investment in your future. You will want to protect this investment as well as you can. A great way to do this is by getting home insurance. With this insurance, you will continue to receive protection in the event your home is damaged or destroyed.
Insurance Gives Liability Protection
A property owner here should also think about their personal liability risks. If you do not receive this coverage, you could have to pay for any damages that you are deemed responsible for during a liability claim. This could include claims that your home caused damage to another property or if someone is hurt while in your residence. With liability insurance, you can receive protection to offset this risk.
As you are looking for a home in the Green Valley, AZ area, you should call the Insurance Center of Green Valley. The team at the Insurance Center of Green Valley can help you determine what your insurance needs are. They can then give you the guidance that you need to choose a policy that will ensure you and your assets are properly protected at all times.
Those that are in the Green Valley, AZ area should consider purchasing their own home. Owning a property here provides a variety of short and long-term benefits. As you are shopping for a home, you should also consider your insurance needs. There are several reasons why you need coverage here.
You Want Valued Protections
One of the main reasons that you need to get home insurance here is that you will want the valuable protection it provides. Home insurance is a great investment due to the protection that it provides for your dwelling and personal belongings, which could save you a considerable amount of money if there is a fire or other form of damage. Additionally, your home insurance policy is going to give you liability protection that will be valuable if you are ever at fault in an accident.
Insurance is a Requirement
You will also need to get home insurance if it is a requirement for you. For the vast majority of property owners, having home insurance is a requirement by at least one agreement. Anyone that lives in a community with a home association or has a mortgage outstanding will be obligated to meet certain insurance requirements. You likely will need to provide evidence of coverage at least once per year.
Anyone that is in the Green Valley, AZ area and owns a home will want to get home insurance. If you are looking to learn more about your home insurance needs and options, you should speak with the team at the Insurance Center of Green Valley. When you speak with the team at the Insurance Center of Green Valley, you can learn a lot more about how insurance can protect you. This can help to ensure that you receive the right coverage for your situation.
Homeowner’s insurance is an important investment you make into your home. Many people think that homeowner’s insurance is something you deal with once and then forget it. It is wise to take a look at your homeowner’s coverage often to make sure you are getting the best deal and your home is insured properly. At the Insurance Center of Green Valley, serving Green Valley, AZ, we love to help our clients better understand important insurance topics such as this. Keep reading to learn when to shop for new homeowner’s insurance.
It is recommended to shop around for a better rate on your homeowner’s insurance annually. In most cases just letting your current policyholder know that you are shopping around is enough to encourage them to offer you a better rate. There are also other factors that can affect the rate of your homeowner’s insurance so re-evaluating once a year is a good time to see if you qualify for any new discounts.
After Home Improvements
If you have completed home improvements, then you will definitely want to shop around for new homeowner’s insurance. When the value of your home increases substantially, you will want the coverage to increase as well. Your previous coverage may not cover the new value of your home in the event of damage. It is best to sit down with an insurance representative so that they can properly evaluate the new coverage needs.
After A Divorce
If you have been awarded your home in your divorce, you need to make sure that the insurance policy is in your name. This is a good time to shop around for the best rate as well.
If you would like to learn more about homeowner’s insurance, please contact our friendly staff today at The Insurance Center of Green Valley serving Green Valley, AZ today.
Owning your own home is part of the American dream. When you own a home, you have a lot to worry about. One of the things that can help allay your homeownership worries is home insurance. It is the security blanket that protects your investment from all the bad things that can happen. But does home insurance cover everything? The answer is no, a basic home policy doesn’t cover everything. At the Insurance Center of Green Valley in Green Valley, AZ the experienced team can help you to understand the importance of having the right home policy for you and your home.
Flooding is probably the most common item that homeowners may not realize is not covered under a basic home insurance policy. As many as 41 million homes in the United States are in danger of damage from flooding. While flooding is not a common occurrence in Arizona, it has happened with devastating results.
Earthquakes are also not covered by a typical home policy. The risk in Arizona is low, there has only been one earthquake over a magnitude 7 but it is best to know what you can expect if one should happen.
Sewer backup is not covered by most home insurance policies unless it is specifically listed. It is always a good idea to actually read your home policy to see the exclusions.
Expensive jewelry is likely under covered. Home policies have stated limits on jewelry and they are not very high. If you have an engagement ring, it may be worth more than the limits of your policy.
Knowledge is power. Understanding what is covered by your home insurance policy and more importantly what isn’t covered is vital for your peace of mind. Give the office of the Insurance Center of Green Valley in Green Valley, AZ a call or stop by to talk to one of their team about your home insurance policy or needs.
Most people don’t realize there are two different types of home insurance policies to choose from. One of the types is the replacement cost of the home. This policy will adjust for inflation and the current costs of material and labor. The other type is face value insurance. This type of insurance will pay the value of the home at the time of purchase.
Which Policy Works Best?
People who want to save money on their insurance usually consider purchasing purchase value insurance, but that may prove to be conducive to losses if there is a claim in the future, especially if the claim is a total loss. The right way to make a good decision is to work with an experienced insurance agent. They can point out the benefits and help weigh the risks associated with both types of insurance.
Getting the Answers
Insurance shopping can be confusing and most people have tons of questions. The first step is to seek out a top insurance agency like the Insurance Center of Green Valley. They serve the residents of Green Valley, AZ and are committed to giving them the answers and information they need to make the best decision for their current and future needs. In addition, if there is a claim, they can help file paperwork to expedite the process so homeowners can make the necessary repairs.
If you are currently in the market for home insurance protection, call or stop by the Insurance Center of Green Valley today to find out more about your options for insurance policies. Don’t take chances when it comes to covering your home with adequate insurance.
Selecting your home insurance policy is one of the most important decisions you make when you buy your home. At Insurance Center of Green Valley, we offer home insurance policies in Green Valley, AZ.
There are a few things you need to know about purchasing home insurance before you get started. The following are three things you should know before you purchase home insurance.
You’ll need to choose between replacement cost or actual cash value.
One of the biggest distinctions in home insurance policies is the distinction between replacement cost and actual cash value policies.
A replacement cost policy will cover you to replace your home or any part of your home that becomes damaged. An actual cash value policy will simply compensate you for the current value of your home minus depreciation.
Actual cash value policies are generally less expensive than replacement cost policies.
You’ll be able to choose from among different deductibles.
One big choice you’re going to make is how much you want your deductible to be. Remember that your policy will be less expensive if you choose higher deductibles.
Your policy isn’t going to cover everything.
Those who are first-time homebuyers are often surprised that a standard home insurance policy leaves out so much. Damage caused by issues like flooding or damage caused by inadequate home maintenance will not usually be covered.
While add-on coverage might be available for some of these issues, it’s basically impossible to have a home insurance policy that’s so thorough that it covers everything.
If you have questions about home insurance options in Green Valley, AZ, let us know. We’re here to help you with your home insurance needs at Insurance Center of Green Valley.