Mesa, AZ Home Insurance Quotes
Get Quotes from Top Homeowers Insurance Companies in Mesa, AZ. Compare multiple insurance companies and quotes easily in one place. Are you interested in finding home insurance that will cover theft, fire, water, hail, wind or other serious damage to your home and belongings' Mesa, AZ Homeowers Insurance Quotes can provide you with a number of quotes that will compare insurance companies and their coverage options. With so many options to choose from, finding the plan that works best for you can be very intimidating.We make finding a great homeowers insurance policy simple! Instead of going from agency to agency, or website to website, wasting a good amount of time. You simply enter your zip code and we find all the top home insurance companies in your area. All of your insurance shopping needs...All in one place! We believe in finding an insurance solution for you using our experience and powerful industry resources. We with you to make sure you get an affordable plan that covers what you need.
Benefits in Having Home Insurance
When you invest in a home of your own, you have to think about all of the extras that make your home a safe and happy place to live. Having the right home insurance will help you gain the peace of mind every homeowner should feel. Theft, tire, water damage are just a few types of damage that can affect your home and family. Insurance companies carry many types of coverage for your home. Home Insurance Quotes will help you protect your investment, belongings and liability by putting you in contact with reputable insurance agents and companies. Comparing multiple insurance quotes will allow you to choose an insurance company that carries the coverage you need at the price you want.
We encourage you to quote your home and auto insurance policies at the same time.
This will allow our agents to apply Multi-Line Discounts to your car insurance and home insurance quotes
And...save an additional 10% to 20% off!
Things that Our Agents can Help You With
There are many things to consider when buying or change home insurance policies. Our associated Insurance Agent Professionals can help you find the right coverage for you and your home. There
are a lot of cost effective endorsements that can help protect those things in your home that mean so much to you. Here are
just a few things to consider and talk with our agent about:
- What is the proper Dwelling Coverage Limit for my home'
- How much coverage for Detached Structures do I need'
- How much Personal Property Coverage (Electronics, Clothes, Furniture, etc) should I have'
- What is Medical Liability Coverage and how much should I have'
- How much Personal Liability is needed to protect my family and our assets'
- What Deductible would be most cost effective for me'
- Do I need coverage for Special Items, such as jewelry, artwork, cash, collectibles etc.'
- What kind of liability exposures do we have, such as a trampoline, pool, etc.'
Coverage A: Dwelling Coverage
The amount of coverage on the primary structure itself. This covers everything from the slab to the roof that is permanently attached to the structure. It is typically written on a "Replacement Cost" form. This means that the house should be insured to what it would could to rebuild not what its "market value" is. It is important to speak with your insurance agent to determine the appropriate dwelling coverage for your home as each home is different and there are "caps" to the dwelling coverage, depending on the policy you choose. Most insurance companies will automatically extend your dwelling coverage to 120% of that stated on your declarations page, as long as your home is currently insured to 100% of it's replacement cost, thereby creating a "cushion" for inflation and increased building costs. Other insurance companies offer 150% Replacement Cost Coverage and even "Guaranteed No-Cap Replacement".
Other Structures Coverage
Insurance for structures not attached to the dwelling. This includes, but is not limited to, fences, sheds, detached garage, pools, etc. The standard amount offered is typically 10% to 50% of what the Dwelling Coverage insurance is. This amount of insurance can be increased if needed, but is limited to the amount of coverage you have chosen on your Home Insurance Declarations Page.
Personal Property Coverage
Most policies offer an additional amount (typically 50% to 75% of what the Dwelling coverage is) for insurance on your personal belongings or contents. Be careful, because there are limits for items such as jewelry, silver, guns, furs, artwork and cash, among other things. This amount of insurance can be increased if needed as "Scheduled Personal Property". If you have an in-home business or business equipment at your house discuss this with us and we will advise you accordingly. This amount of insurance can be increased if needed, but is limited to the amount of coverage you have chosen on your Home Insurance Declarations Page.
Liability Coverage
This insures you for your negligence. It is a very important coverage and, therefore, it is best to discuss the amount of coverage with your agent. The amount of coverage varies from $100,000 to $1,000,000, depending on your needs and the insurance company limits. For needs in excess of $1,000,000, you will typically want an "Umbrella Policy".
Home Insurance Terms
Loss of Use: The standard amount for this insurance is 20% of the Dwelling coverage. If your house, condo or apartment, becomes unliveable because a covered claim occurs, this coverage will pay your expenses in a comparable living situation up to the coverage limits, or one year, whichever comes first. This amount of insurance can be increased if needed, but is limited to the amount of coverage you have chosen on your Home Insurance Declarations Page.
Medical Payments: To pay medical bills of others sustaining injuries on your property in which your where not negligent. The limits range from $1,000 to $10,000 and up. This amount of insurance can be increased if needed, but is limited to the amount of coverage you have chosen on your Home Insurance Declarations Page.
Liability: This insures you for your negligence. It is a very important coverage and, therefore, it is best to discuss the amount of coverage with your agent. The amount of coverage varies from $100,000 to $1,000,000, depending on your needs and the insurance company limits. For needs in excess of $1,000,000, you will typically want an "Umbrella Policy".
**A deductible typically applies to all the insurance mentioned expect Liability and Medical Payments.
Actual Cash Value: Your home's actual cash value is calculated by determining its original value, minus the amount your home has depreciated since you bought it or since it was new. This is not a very popular coverage, due to the limits on the value of your home.
Flood Insurance: The biggest misconception is that rising waters (floods) are covered under your standard homeowner's insurance. It is not. Most insurance companies can provide Flood Insurance, although the premiums and coverages are regulated by F.E.M.A. Flood Insurance is designed to reimburse property owners from the peril of "flood". "Flood" is defined as a condition of inundation of normally dry land area from the overflow of inland or tidal waters, the unusual and rapid accumulation or runoff of surface waters from any source, mudslides and land subsidence when earth is carried by waves or currents of water.
Deductible: The Deductible is the amount of damages you agree to pay for if you file a home insurance claim. Consult with your insurance professional, as choosing a higher deductible can substantially lower your home insurance premium, although, if you file a claim, you'll have to pay the chosen deductible to receive payment from your insurance company. In some cases lower deductibles may be more cost effective, depending on your insurance rates.
Home Insurance Terms
Declarations Page: Your Declarations Page of your policy summarizes the coverage information essential to your homeowner's insurance coverage: the policyholder's name and address, the home insurance premium, as well as the coverages, limits, and deductibles.
Endorsements: Endorsements are changes to the original insurance contract. In home insurance coverage, endorsements may include changing your deductibles or adding optional coverages to your homeowner's insurance policy.
Exclusions: Exclusions are situations that are not covered by a given home insurance policy. Specific exclusions are listed in your homeowner's insurance policy.
Umbrella: It provides a higher limit of liability coverage in excess over your primary policies (i.e. home, auto, general liability, etc). It is used in one of three ways: (1) to provide additional limits of protection over the coverage listed on your primary policy, (2) to act as primary coverage if your primary limits are exhausted, and (3) to provide coverage for some risks, subject to a retention (a.k.a. deductible), when your primary coverage does not.
Insurance Score: Insurance scores are based on analytical models that objectively measure the relative likelihood of future insurance losses based on your credit history. Most insurance companies have adapted to some type of insurance scoring in order to apply the appropriate discounts and/or surcharges to your specific policy. These scores are provided by independent consumer reporting agencies, to the insurance companies.
*These definitions are not meant to be taken in place of your current policy language. Instead the definitions are meant to help guide you to what coverages are available on a home insurance policy. Please consult your agent or your policy for the insurance coverage specifics.