Questions & Answers About Arizona Homeowners Insurance Coverage

Arizona Home Insurance FAQs

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If you own a property, it is essential to safeguard it and everything inside it and a good homeowners insurance policy can keep you covered. Crucially, this form of insurance also protects you against personal injury lawsuits. You should already have home insurance, because mortgage lenders make it a condition of the loan, but in the event you want to know more about your coverage, continue reading as we go though home insurance frequently asked questions.

What Coverage Do I Have Through My Home Insurance?

Home insurance will cover against interior and exterior damages for your home, as well as any loss or damage of personal belongings. Coverage should also include the cost of liability damages and injuries caused by yourself, your family or pets. Home insurance will cover rental costs for a hotel or house as your home is being repaired. Continue reading…

What Can I Do to be Protected from Liability Claims?

Home insurance will already protect you as far as personal injury or damages to property are concerned when you are considered to be legally responsible. Your policy will cover you when injury is caused by falling, slipping or any other injury on your property, such as a bite inflicted by your dog. Continue reading…

What Amount of Personal Liability Coverage Should I Get?

Most policies will start in the $100,000 range, but industry experts will recommend that you get coverage of $300,000 or more. To supplement that coverage in the case of a large lawsuit, look into umbrella insurance for as little as a couple of hundred more, which could give you $1 million worth of liability protection. Continue reading…

What Types of Home Coverage are Available?

Not all home insurance is the same. Generally, the more you are willing to pay, the better the protection you receive. There are several different types of home coverage available: actual cash value, replacement cost, guaranteed replacement cost, extended replacement, and inflation guarantee. Continue reading…

What Amount of Coverage Applies to Personal Belongings?

Typically home insurance will cover as much as 70 percent of the total amount of your coverage on the policy towards the damage or loss of your belongings. Continue reading…

What is the Cost of Home Insurance Coverage?

The cost of home insurance will vary depending on the type of policy and location of your home. You can save yourself some money by comparing rates online or consulting an expert. Continue reading…

What Can I Do to Save Money on My Home Insurance?

The easiest way to save on home insurance is to pay a higher deductible. Installing proximity lighting, intruder alarms and other security devices can also reduce insurance costs. Continue reading…

How Do Insurance Companies Determine the Premium Costs?

Premium costs are determined by the type of coverage you purchase. Before coverage is purchased, you must know the market value of the home, the location of the home, the amount of liability needed and an inventory of the personal belongings contained within amongst other factors. Continue reading…

How Does a Grace Period Apply to Home Insurance?

A grace period is a given amount of time that the home is still covered once the policy has lapsed. Not all states require insurers to give you a grace period, which means that you are not covered for damages, losses or liability claims if the insurer does not have to offer a grace period. Continue reading

Is Flood Damage Covered on My Policy?

Typically home insurance does not cover flood damage unless you decide to add that coverage to your policy. Continue reading…

Is Earthquake Damage Covered on My Policy?

Earthquake coverage is a specific form of insurance that can be purchased as part of your property insurance policy. Continue reading…

What Would the Cost be to Rebuild My Home?

To determine the cost to rebuild your home you would meed to know the cost of labor, materials, square footage of the property, the layout, special features of the home and many other factors. Continue reading…

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