What to know about Home Insurance
Insuring the place you call home can help protect you financially if you suffer a loss due to fire, theft, vandalism, or other covered events. Homeowners Insurance can also provide coverage in the event someone is injured while on your property and wins a legal judgment against you. We provide the options and you select the home insurance policy that’s right for you and your family.
Find the right Gilbert, AZ Home Insurance
Greene Insurance will work with you to find a home insurance policy that fits your needs. We specialize in making it easy to choose the insurance coverage that gives you the best value for the best price. Your Gilbert, Arizona home insurance policy is most often made up of the specific options you choose, so how much you’ll pay for your policy depends on:
- What you select – Home Insurance often has endorsements or options that are priced individually, so how much you’ll pay for your policy depends on what coverages you purchase.
- How much you want to cover- If you as a homeowner assume more risk such as a higher deductible, you will lower your premium price by shifting part of the loss payment to you. For example, if you had a $1,000 deductible, you would be responsible for paying the first $1,000 of the a covered loss.
- Where you set your limits- You may choose to set higher limits than the recommended amount if appropriate to your situation and needs. We’ll help you understand the coverage.
- Personal Umbrella protects your assets– Worried you aren’t completely covered? Consider an umbrella insurance policy that extends your liability coverage and protects your assets such as your home, autos, boats, motorcycles, rental properties, etc.
The Right Coverage. The Right Price. The Right Value.
The amount you pay for your homeowners insurance depends on many factors. Think of your personal housing situation, and the assets you want to protect.
Protection for Your Home
Property or Dwelling Coverage typically pays to repair or rebuild your home if it’s damaged or destroyed by an insured event like a kitchen fire or windstorm.
Protection for You and Other People
Personal Liability Coverage applies if someone is injured or their property is damaged and you are to blame. The coverage generally applies anywhere in the world. When choosing your liability coverage limits, consider things like how much money you make and the assets you own. Your personal liability coverage should be high enough to protect your assets if you are sued.
This covers medical expenses for guests if they are injured on your property, and in certain cases covers people who are injured off of your property. It does not cover health care costs for you or other members of your household.
Additional Living Expenses
If you can’t live in your home because of a covered loss, your policy will pay additional living expenses-commonly for up to 24 months-while damage is assessed and your home is repaired or rebuilt.
Protection for Your Belongings
Your home is filled with furniture, clothes, electronics and other items that mean a lot to you. Personal Property Insurance helps replace these items if they are lost, stolen or destroyed as a result of a covered loss.
Scheduled Personal Property Coverage
If you have special possessions such as jewelry, art, antiques or collectibles you may want to talk to your agent about this additional coverage. It provides broader coverage for specific items.
If You Rent Out Your Home
If you plan to rent your home, you will need a landlord insurance policy. Visit our Landlord Insurance page for more information.
Gilbert, AZ Homeowners – Protect the Things that Matter to You
We encourage our clients to make an inventory of your home and personal belongings. If possible, make a list as well as take photos or a video. Utilizing two inventory methods can help expedite the claim resolution process. Keep this list somewhere other than your home. We suggest you could make an Excel spreadsheet and email it to yourself or place in a safe.
Call the insurance professionals of Greene Insurance at: 480-269-8200 for homeowners insurance quotes. We look forward to discussing your insurance needs. Thank you!
Greene Insurance Group
Hours: Mon-Fri, 8:30 am-5pm