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Home & Auto Insurance

Home & Auto Insurance in Sun Lakes, Arizona

Protect Your Largest Assets – Home insurance offers peace of mind

You’ve no doubt worked and saved for your home in Sun Lakes, and it’s probably your greatest asset. If you’ve ever worried about what you would do if something happened to it, rest assured a home insurance policy will give you the peace of mind you need.

Home insurance covers repairs or rebuilding of your property in the event of fire, storms, and most natural disasters. Other than a small deductible, you don’t have to pay anything out of pocket.

Your insurance policy will not only cover your dwelling, but it covers the interior as well, including furnishings, appliances, electronics, clothing, and personal property. These items are also protected against theft or vandalism.

There are other benefits to having a good home insurance policy. You’ll get liability insurance in case someone has an accident on your property. And your policy will cover loss of use, also known as alternative living expenses or ALE. This reimburses the cost of living somewhere else if you need to leave your home during repairs or reconstruction.

Protect your valuables and add more liability coverage with ease

Some of our Sun Lakes clients have valuables that need extra protection not included with a regular home insurance policy. We can always add scheduled coverage for:

  • Jewelry
  • Furs
  • Antiques
  • Fine art
  • Collectibles
  • Precious metals
  • Firearms

We often recommend adding extra liability coverage with a personal umbrella policy for our high-net-worth clients. An umbrella policy picks up where the cap on your home insurance leaves off, giving you a million dollars or more of coverage. You might also want to consider extra liability insurance if you have a dog.

Meet Arizonas Auto Liability Requirements

If you intend to register and operate a motor vehicle in Arizona, you must carry at least the minimum auto liability insurance required by the state:

  • $25,000 per person bodily injury coverage
  • $50,000 per accident bodily injury coverage
  • $15,000 per accident property damage coverage

These are the amounts your insurance policy will pay out if you are at fault and a claim is filed. However, we usually encourage clients to increase their liability to cover more in bodily injury and property damage, especially if they are high-net-worth individuals. Medical care and vehicles today are nearly always more than what is covered by minimum insurance.

Protect your vehicle with full coverage

Keep in mind that liability insurance does not cover your vehicle if you are at fault in an accident. That’s why we suggest adding collision insurance. This pays for repairs to your vehicle and gets you back on the road quickly after a crash.

Comprehensive insurance is also recommended and may be required if you finance your vehicle. This covers loss or damage due to theft, vandalism, fire, and storms.

Be sure to ask about these extras, which many policies provide:

  • Uninsured motorist coverage
  • Medical coverage for drivers and passengers in your vehicle
  • Roadside assistance
  • Rental car reimbursement when your car is being repaired

You Will Appreciate Our Personalized Service

If you’ve never worked with an independent insurance agent before, you will be pleasantly surprised when you purchase home and auto insurance from Stover Strong Insurance Brokers. We give you the kind of personalized service that’s rare these days. And you’ll find a much better selection of insurance options than you get with large insurance companies. This lets us tailor every policy to your unique needs.

Don’t risk letting your largest assets go uninsured in case the worst happens. Call us at 480-336-9648 today or reach out online to get started on a home or auto policy and give your investments the protection they deserve.