Home and Auto Coverage for Your Largest Assets – Insurance is essential for homeowners
Every year in Arizona, homes are lost to fire and storms, and without insurance, homeowners see years of hard work and saving gone in minutes. Don’t let this happen to your home in San Tan Valley. A home insurance policy can protect you from this disaster.
Home insurance pays to rebuild or repair your home when the unexpected happens. It covers all the items inside your home, too, such as clothing, electronics, appliances, furniture, and sporting goods. You will definitely have less to worry about, knowing these things are protected and you don’t have to pay out of pocket to replace them.
Not only that, your home insurance offers liability coverage if someone successfully sues after an accident on your property. It pays loss of use coverage as well, AKA alternative living expenses or ALE, meaning it reimburses you to live elsewhere should your home be uninhabitable at the time you file a claim.
Cover your valuables and improve your liability protection
Many of our clients in San Tan Valley have valuables that need a bit of extra protection from scheduled coverage beyond their regular home policy. Let us know about these high-value items, and we’ll make sure they’re covered:
If you would like more liability coverage — up to a million dollars or more — we can provide a personal umbrella policy that picks up where your home insurance liability is capped. We usually recommend this for high-net-worth individuals and dog owners in particular.
You must have liability insurance to drive in Arizona
To register and drive a motor vehicle in Arizona, you must have, at minimum, the state’s required liability coverage:
If a claim is filed because you are at fault in an accident, this is what the insurance company pays out. But note that reimbursement for medical care and vehicles nowadays may exceed those amounts. That’s why we often recommend increasing your auto liability insurance to stay commensurate with current costs.
Enjoy peace of mind with full coverage
To know your vehicle is fully protected, you can elect to buy full coverage auto insurance. Collision insurance pays for repairs if you’re at fault in an accident, which is not covered by your liability insurance. This is vital if you rely on your vehicle for day-to-day living.
Comprehensive insurance covers your car or truck in the event of theft, vandalism, fire, storms, and most natural disasters. Together with collision and liability coverage, comprehensive insurance may be required if you finance your vehicle.
We can add extras to most policies, too, so be sure to inquire about:
Let Us Find the Perfect Home or Auto Policy for You
It’s our job as independent agents at Stover Strong Insurance Brokers to find just the right policy for your home or auto. With more insurance products at our disposal than big companies, we’re able to tailor a policy to your one-of-a-kind needs, with a level of personalized service you don’t get these days.
We’re happy to answer your questions and help you find the right amount of coverage. Give us a call at 480-336-9648 today, or reach out online to let us know how we can help with your policy. You’ll feel better knowing your investment in your home and auto have the coverage they deserve as your largest personal assets.