If you live in Phoenix, AZ and you are looking to buy a home, then you probably already know how important home insurance is for your protection. Insurancewide Company LLC has been in the Arizona area for years and can help you secure the right kind of insurance policy for full coverage of your new home.
In the state of Arizona, the weather is unpredictable with a wide range of ecological backgrounds and settings. You will experience periods of dryness due to the arid plains and there are times when the mountain could be covered with snow. So, it is important to consider having solid insurance coverage for your home. Every year, you can expect Arizona to get around 12 inches of rain. We have experienced more insurance claims during flash flooding, and this is especially true if you live in the southern region of the state where there are more desert areas. Lightning, wind, hailstorms, and fire are also other aspects of why you need homeowner’s insurance to prevent expensive claims.
In addition to homeowner’s insurance, most mortgage companies require that you purchase flood insurance if you live in the state of Arizona. However, for the homeowner’s insurance, you can start with the most popular, which is the HO-3 insurance policy. This has various categories of coverage that includes:
Flood insurance, of course, would be separate. The dwelling coverage includes replacement and repair costs. The personal property coverage includes claims associated with damages to personal property inside the home. Additional living expenses involve costs associated with the time you are out of the home due to repairs or rebuilding. This might include costs for food and hotel bills. Personal liability coverage includes legal fees for being sued for a possible accident occurring at your home.
If you are ready to secure homeowner’s insurance from Insurancewide Company LLC and you live in Phoenix, AZ, do not hesitate to contact us so we can discuss your options and eventually provide an affordable premium for protecting your most valuable asset.
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