Home Insurance Gilbert AZ, Homeowners Insurance | San Tan Insurance

Independent Homeowners Insurance Broker in Arizona

Call (480) 391-3883 for a Quote!
Family in Front of Home
Are you looking for Homeowners Insurance Coverage? Welcome to San Tan Insurance! We work with many home insurance companies serving all of Arizona, and are located in downtown Gilbert.

Call (480) 391-3883 for a quote to insure your house and personal property.

We research the best Home Insurance rates and coverage options.

What Does Home Insurance Cover?

Dwelling Coverage Icon
Dwelling

This coverage provides funds to repair or replace your home up to the limit of the policy if it is not a guaranteed replacement policy. Not all home insurance policies are the same. Some offer replacement cost, while others offer replacement cost up to a certain limit. It is important to understand what it will take to replace your home. Failure to understand this important item may be the difference between having enough coverage to pay for rebuilding your home or not. There are many limitations, conditions and exclusions on this coverage. It is important to understand them all. Continue reading…

Personal Property Coverage Icon
Personal Property

This is a coverage that provides monies to repair or replace your contents up to the limit of the policy. There are many limitations, conditions and exclusions on this coverage. It is important to understand them all.

Other Structure Coverage Icon
Other Structures

This coverage is usually a percentage of the dwelling coverage, and can only be used for other structures for damages that fall within the scope of the policy. Most policies place other structure coverage limits at 10% of the dwelling amount.

Liability Coverage Icon
Liability Coverage

This is a very important coverage. It provides coverage in case someone is hurt on your property. For example, if your dog bites someone, this coverage will pay for the medical expenses and all the damages associated with that claim. Failure to have enough coverage may create a financial loss for you. There are also additional options that would allow this coverage to be used. There are many limitations, conditions and exclusions on this coverage. It is important to understand them all.

Scheduled Item Coverage Icon
Scheduled Items

It is important to understand what items are covered under the home insurance base policy and which items may need to be specifically listed on the policy. Not all personal possessions are covered under the base part of the personal property coverage.

Personal Liability Umbrella Coverage Icon
What is a Personal Liability Umbrella?

This policy was designed to provide coverage for losses that would have a higher dollar amount than your home or auto liability limits. If you have assets that are over your auto/home liability limits, this policy is crucial. If you do not have enough liability coverage, your personal assets may be at risk. This means that you may have to sell those possessions in order to pay for the damages that were caused due to your negligence.

 


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Home Insurance FAQs

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