The Top Things You Need To Know About Home Insurance

Home insurance is a fundamental part of being a homeowner. It protects you from potentially devastating financial losses if your home is damaged or destroyed. Despite this, many homeowners are unaware of what their home insurance policy covers. This post will explore the top things you need to know about home insurance.

1. Covered Perils Depend on the Policy

Most home insurance policies cover damage from common perils like fires, windstorms, and hail. But coverage for other risks, like floods and earthquakes, is often excluded. That’s why it’s essential to read your policy carefully, so you know what is and isn’t covered. If you live in an area prone to a specific type of natural disaster, you may need to purchase a separate policy to be fully protected.

2. You May Need Additional Coverage for High-Value Items

Your home insurance policy will have a limit on how much it will pay out for any one item. So, if you have any high-value items, like jewelry, art, or collectibles, you may need to purchase additional coverage to insure them fully. This is usually done through a rider or endorsement of your policy.

3. Every Home is Different, so Coverage Should Be Too

No two homes are exactly alike, so it’s essential to have a home insurance policy that reflects the unique needs of your property. The amount of coverage you need will depend on factors like the value of your home, the number of personal belongings you have, and the likelihood of certain types of disasters in your area. Working with an experienced insurance agent can help you get the right coverage for your home.

4. Home Insurance is More Than Just Property Coverage

Most people consider home insurance property coverage, but it’s much more. Most policies also include liability protection, which can help cover the costs if you’re sued for damages, or someone is injured on your property. This is an essential part of your coverage, especially if you have visitors to your home regularly.

Get Home Insurance in Green Valley, AZ

If you’re looking for home insurance, the Insurance Center of Green Valley is a great place to start. We can help you find the right coverage for your needs and give you peace of mind knowing your home is protected. Contact us today to learn more.

How much home insurance do I need for my belongings?

The Insurance Center of Green Valley gets asked a lot of questions about home insurance. "How much home insurance do I need" is a common one.

Although there are a lot of factors to consider, the answer starts with a home inventory. This document catalogs your possessions, speeds up the claims process and can maximize your payout.

That’s why the Insurance Center of Green Valley encourages its clients to begin here. Located in Green Valley, AZ, our agency lists six steps for conducting a thorough home inventory review.

Organize each area

Divide your home into sections to avoid getting overwhelmed. Whether it’s a closet or a room, start small. Create a process that’s easiest for you.

Record basic information

Jot down descriptions of every item. At a bare minimum, include purchase dates and prices. Write down the make, model, and serial numbers for appliances and electronics.

Group smaller items together

But you don’t have to list everything separately. Low-cost products, like clothes and dishware, should be lumped together. Just assign a price for the entire group.

List expensive items individually

Jewelry, antiques, and any collectibles require specialized coverage. Write down these items and consult an agent to ensure they are protected.

Go digital

Pictures and videos are also important. These may expedite claims. These visuals will remind you what you own, but they can also document what’s been damaged.

Update regularly

Review your inventory frequently. Although digital records are outstanding for reference, print out hard copies. Store these backups somewhere safe.

Contact an agent serving Green Valley, AZ.

After conducting a home inventory, let the Insurance Center of Green Valley take it from there. Using this information, the agency can determine how much home insurance coverage is right for you. Schedule an appointment today.

Arizona Home Insurance: How to Protect Your Home From Theft and Vandalism

Having a home means that you have a host of problems that you have to worry about. Two of the biggest risks to your property are theft and vandalism. You can protect yourself against these risks with some updates to your home insurance policy.

You can also take preventive measures at home. At the Insurance Center of Green Valley, we want Green Valley, AZ residents to feel secure in their homes. 

Take these steps to keep your homes secure from theft and vandalism.

Alarm Systems

A monitored alarm system is good for your home insurance, but it’s also a smart move to protect yourself. This is a known deterrent to thieves and vandals, who may strike an alarmed home, but are less likely to do so. 

Put stickers for your alarm company out in the front, sides, and back of your home. Many perpetrators will keep on walking.

Be Neighborly

When you have a good relationship with your neighbor, they will be more inclined to have a good relationship with you. When they see something coming or going out of your home, or even trying to, they will be a good neighbor.

Many good neighbors may call the police for you, or even try to stop a prowler on their own. Find a neighbor you can have on hand for help when you are out of town as well. 

Exterior Lights

Exterior lights and motion sensors are affordable ways to light up the path when you are working on home security. Motion sensors on their own can throw a prowler off and scare them away if a light pops on when they are not suspecting it. 

Add this to your exterior security plan and you will feel more secure with this simple addition.

Update Your Home Insurance

When you are concerned about your home security in Green Valley, AZ, some very affordable preventive measures can buy a lot of peace of mind. Make sure your insurance company knows of your changes. At Insurance Center of Green Valley, we can help. Call us to update your home insurance policy today.

First Steps to Take When Filing a Home Insurance Claim

Filing a Home Insurance Claim

Unfortunate home damages and disasters like floods, fires, theft, and vandalism can be devastating not only financially, but emotionally. When an incident happens, it can be reassuring if you have quality homeowners insurance coverage. But, knowing what first steps to take when filing a claim may be a little confusing. Working with a professional insurance agent will give you the knowledge and confidence to proceed with filing a claim.

The team at Insurance Center of Green Valley in Green Valley, AZ has years of collected experience helping our clients understand home insurance claims.

Steps in Filing a Home Insurance Claim

In general, the claim process unfolds in this order:

  • Police report – Cases of vandalism and theft typically involve calling the police and filing a report. Keep track of details of the incident and the name of the police you speak with.
  • Contact your insurance company – Calling your insurance agent is crucial to start the claims process after a disaster or theft. The sooner you initiate the process, the better the outcome may be for having a quick claim.
  • Immediate repair – Repair your home for temporary use, if possible, and keep records such as materials receipts to provide to your insurance company.
  • Document – Record and list damages and valuables that are missing if a theft has occurred. Being as thorough as possible and adding estimated values can help increase your claim.

Expert Insurance in Arizona

If you are in need of quality homeowners insurance or want to know more about filing a claim, contact one of our agents at the Insurance Center of Green Valley located in Green Valley, AZ. Our agents are happy to help you understand your homeowner’s policy so you can file a stress-free claim if necessary.

Importance of Home Inventories

If you rent or own an apartment or home in Green Valley, AZ it is crucial to understand the importance of home inventories. A home inventory is a list of your personal belongings with an estimated financial value of each item. You can keep records of your possessions in either a notebook or a computer, with a folder of all your receipts. Keeping an inventory of your possessions is the best way to get the most out of your home or renters insurance policy. They not only make filing a claim easier but ensure the protection of all your belongings.

Home Inventories Help You Decide on a Policy

Having an updated, accurate list of all your possessions makes it easier to see how much coverage you actually need. Home inventories will help you and your insurance agent find the best possible coverage for you and your belongings.

Makes Filing a Claim Easy and Stress-Free

Natural disasters are frightening and stressful events, especially when your belongings are damaged. If you don’t have a list of your possessions, it can be challenging to remember what you lost and the value of the damaged items. However, having a well-thought-out inventory makes it easy to file a claim.  You can efficiently assess what you lost and get compensated for all of your possessions.

Substantiate Financial Losses

After a natural disaster, you may be eligible for a tax break or disaster assistance, depending on how much you lost. A home inventory with documented values of each item is the best way to prove how much you lost financially during the catastrophe.

If you are looking for more information on renters or home insurance, please contact our office at the Insurance Center of Green Valley, serving Green Valley, AZ.

Should everyone in Arizona get a home insurance plan?

People that are in the Green Valley, AZ area should consider owning a home. Those that are property owners in this area of the state will enjoy having a consistent place to call home while also benefiting from price appreciation that occurs over the years. If you want to purchase a home in this area, it is very important that you get the right coverage for it. Everyone in this area of the state should get insurance for a few reasons. 

Protect Dwelling and Assets

A primary reason that you should get home insurance is so you can get the proper protection for your assets. With a home insurance plan, you will get coverage that you need to ensure you can repair your home if you incur serious damage. Further, the plans include a provision to provide support and coverage for any of your personal assets.

Insurance is Often Required

You should also get insurance for your home as it could be a requirement in a lot of situations. Those that take out a home loan or live in a home association often have specific insurance standards that need to be met. In most cases, you will also need to provide evidence of coverage. If you are not covered by insurance, you could be penalized. 

If you are in the Green Valley, AZ area, you should always have a proper insurance plan in place. As you are looking for an insurance plan in this area of Arizona, calling the Insurance Center of Green Valley would be a great decision. If you are going to call the Insurance Center of Green Valley, you can learn a lot about your different insurance options and get the help needed to choose an ideal plan. 

Summer safety tips for your home

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. 

Playground safety

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

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. 

Why do Arizona property owners need home insurance?

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 Insurance Coverage Options in Arizona?

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!

Three questions to ask before you purchase a home insurance policy in Arizona

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.