Home Insurance in Arizona

Your home is obviously one of the most expensive and valuable possessions in your life. Therefore, it is important to do your best to protect it. The best way to do this is to get home insurance. Home insurance provides financial protection to you as a homeowner, the house itself, and personal belongings. If you are a homeowner in Arizona, Right Choice Insurance and Taxes has prepared the list of things you should know:

  • Homeowners' insurance is not mandatory in Arizona. However, your mortgage lender may require you to get a policy first before approving you for a loan.
  • Home insurance does not cover damage caused by floods. If you would like to protect your home against the damages caused by this natural disaster, you will have to buy a separate policy.
  • It is worth having a home inventory, especially when you file a claim. Most insurance companies will ask you for an inventory list with all the items that were damaged or stolen. Keeping an inventory list will help you to expedite the claims process and save valuable time.
  • A standard homeowner's insurance policy is limited. While your home insurance covers damage or loss of your personal belongings, it may provide only partial coverage for your valuable items. You need to talk to your insurance agent to find out what are the limits of your policy. You may have to buy additional coverage for expensive valuables such as jewelry or antiques.

Home insurance is must-have for all homeowners regardless of the type of house, its value, and location. This type of insurance is a guarantee that you will be financially protected if something happens to your property, your personal belongings, or if something occurs on your property. If you live in the Grand Canyon State and you are looking for a trustworthy insurance agency, Right Choice Insurance and Taxes will be glad to assist you. Just give us a call to talk to one of our knowledgeable agents.