Homes are expensive, and when you hear about the risk of natural disasters in today’s world, it can be hard to feel safe. Good thing that homeowner’s insurance exists! This blog post will give you tips on how to find a good homeowners insurance policy in Phoenix, AZ, for your needs.
Know What Homeowners Insurance Covers
Homeowners insurance covers your dwelling and its contents if it was damaged by a covered peril, such as fire. The content coverage is usually limited to the value of the items in an insured’s home at one time. Some policies provide liability protection for harm caused to others on their property.
Compare Quotes From Different Companies to Find the Best Deal
When searching for a homeowners insurance policy, it’s best to compare quotes from different companies. You want to find the best coverage for a price you can afford and one that suits your needs.
Ask Your Agent About Discounts for Certain Features, Such As a Security System or Fire Protection Plan
When you’re comparing quotes from different companies, be sure to ask about discounts for certain features. You may be eligible for a discount if you have a security system or fire protection plan installed in your home.
Add an Endorsement That Excludes Damage Caused by Floods and Earthquakes if They Are Not in Your Area
Another tip for when you’re looking for a homeowners insurance policy in Phoenix, AZ, is to add an endorsement that excludes damage caused by floods and earthquakes. These will provide extra coverage if they are in your area, and maybe worth it if you live in a high-risk area for these events.
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