Arizona Home Insurance Coverage
Homeowners in the Tempe and Phoenix area should be aware that when looking for homeowners insurance it is important to shop around. Not only do prices vary from one insurance company to another, but, the level of service is often quite different. While you could go online and try to search through dozens of insurance companies and get quotes, an easier and smarter way to shop is to use the services of an independent Insurance Agency like Hayden & Hayden.
Hayden & Hayden will sit down with you and help determine the right type and amount of coverage you need. Once we get to know you and your insurance needs we can quickly search through a number of different insurance companies. Next, we will search our large database of insurance companies, compare quotes and other relevant information and recommend the insurer we feel is best for you.
Homeowners insurance may be required by your mortgage company but is not mandatory in the state of Arizona if you own your house free and clear. A smart homeowner will purchase a policy in either case. Homeowners insurance helps protect your house, the contents of your house and any personal liability you may incur in the event someone gets hurt or suffers damage or loss to their personal while in your house or on your property.
It is important to carry a sufficient amount of coverage so if a loss does occur, you are adequately protected. Perils such as fire, windstorm or water damage (burst pipe, not flood) can cause thousands or tens of thousands of dollars in damage. Specific policies for renters will cover the contents of your home and there are also policies designed to meet the needs of condo owners. Be smart and make sure you have adequate insurance coverage no matter where you live.