Give Your Home Protection from Life’s Unexpected Events – Peace of mind when the worst happens
Your home in Phoenix is likely to be your largest asset. Have you ever worried about it being destroyed by a fire or storm? Fortunately, home insurance was created to ease your mind about that kind of scenario.
A home insurance policy covers your home, so you don’t face financial devastation when those unexpected events occur. Your insurance pays for repairs and reconstruction, meaning you don’t have to dig into your savings or retirement funds to cover the cost.
What Does Home Insurance Cover?
Your dwelling and its contents
Your home insurance policy covers the structure of your home, whether it needs roof repair after a hailstorm or to be completely rebuilt after a fire. It also covers the home's interior, including your clothing, furnishings, appliances, electronics, and other personal belongings.
You may not be aware of another benefit your home insurance provides: liability coverage. If someone has an accident on your property, becomes injured, and successfully sues you for damages, you don’t have to pay out of pocket to settle. Your insurance pays, up to a predetermined cap. Homeowners find this comforting at a time when lawsuits are so prevalent.
Alternative living expenses
Your home insurance policy also covers alternative living expenses. Also known as ALE or loss of use coverage, it pays for you to live elsewhere if you need to vacate your home due to repairs or rebuilding after a claim.
Increase Your Coverage for Valuables and More Liability Protection
Many of our clients in Phoenix have valuables that exceed the coverage of a regular home policy. Just let us know, and for a small amount, we’ll add your high-value items via scheduled coverage. This includes:
Personal umbrella insurance
If you are a high-net-worth individual, you may be more vulnerable to liability lawsuits. Therefore, we encourage you to add a personal umbrella policy. This broad coverage applies anywhere in the world and picks up where your regular home insurance is capped. Anyone who wants the extra protection can get it — for a million dollars or more of coverage. We also recommend it for dog owners in Phoenix.
We Can Build a Home Insurance Policy Tailored to Your Life
Personalized service from our independent agents
We’re independent agents at Stover Strong Insurance Brokers, which gives us many more home insurance choices for you than you’ll find with large companies. With our personalized customer attention and ability to tailor a policy to you, you’ll appreciate choosing us for your home coverage.
Don’t risk leaving your home, your valuables, or your assets vulnerable without the right protection. Give us a call at 480-336-9648, or get in touch online to request a quote.