Your house isn’t just where you hang your hat, it’s where you and your family relax and feel safe. It’s where you entertain friends and family. It’s that place you come back to whether it is from a short business trip, or from being away for an extended length of time. When you think about it, it’s not just a house, it’s a “home”. It’s also where you enjoy your personal property such as your big-screen TV, collectibles, family heirlooms, furniture, and clothing – basically everything you own. And of course, your home is irreplaceable for the most important things in your life: your family, your friends – perhaps a furry friend or two.
Do you own a single-family home in Scottsdale, or a condominium in Phoenix? Maybe you’re renting an apartment in Mesa? Regardless of where you call home in the Phoenix Valley, you understand that living in Arizona can be a dream. But with the good, comes the possibility of threats such as weather events, extreme heat, forest fires, dust storms, monsoons, landslides and more. Insure your home and possessions against natural disasters and other risks with home insurance, condominium insurance, or Renters Insurance.
Protect Your Investment with Home Insurance
A typical home insurance policy includes personal liability coverage, personal property coverage, and dwelling coverage. Such a policy would also cover other structures, like a garden shed, detached garage, or fence as well. Be aware that not all home insurance policies are alike. While the basic coverage is similar, the details are often different from one insurance company to another.
When choosing home insurance, the minimum amount required by your lender may satisfy their needs, but it might not be enough to put a roof back over your head should you have a loss or find yourself in court. By working with an independent insurance agency like Vanyo Insurance Group, you can rest assured knowing that they will suggest the coverage that is best for you and your family.
If you own a condominium instead of a single-family home or other individual dwelling, you’ll find that condo insurance is designed especially for what you need. Because your condominium is likely part of a condo association, it is important to understand not only what your policy will cover you for but to understand the condo association’s coverage as well. The agents at Vanyo Insurance Group can review your condo association’s coverage and requirements to make sure your coverage will meet the requirements of your condo association, and provide you with peace of mind as well.
Flood Insurance for Peace of Mind
Flash floods happen more often than you might think in Arizona, and unfortunately, home insurance doesn’t cover flood damage. If a flood damages your home, you would be on the hook to pay for the repair or replacement of your home and your personal property. Flood insurance is not only a good idea, in some areas, it’s required. Agents at Vanyo Insurance Group can help you find the right policy to protect you financially against losses due to flood.
Property Insurance Options
As with other types of insurance, you are going to find that you have a few choices when it come to customizing a policy to meet your needs. There are different deductibles to choose from, amounts of coverage to select, and a number of endorsements, or “additional coverages”, that you might need. One common example is whether you cover your personal property for “replacement value” or “actual cash value”. Your choice will have a big impact on both your premium and coverage.
Additionally, your personal property coverage needs could be greater if you own certain types of items, such as jewelry, collectibles, and guns. Reimbursement maximums for these and certain other types of items are restricted. You may need to schedule these items or purchase additional policies to be fully covered. Rest assured knowing that Vanyo Insurance Group will explain your options and answer any questions you might have.
Home Insurance Discounts
Regardless of how big of a home you have or where you live, everyone like to save money. For that reason, many of the insurance companies that we represent offer discounts for things that reduce their risk, or cost of doing business. Some of the more common discounts include: Multi-Policy Discount, Claim-Free Discount, and a Paid-in-Full Discount. Other, lesser-known discounts that you may qualify for are:
- Gated-Comunity Discount – Do you live in a gated community such as: Grayhawk, Gainey Ranch, McDowell Mountain Ranch, McCormick Ranch, Troon, or Scottsdale Ranch? If so, you may be eligible for up to a 5% discount on your homeowners insurance.
- Sprinkler System Discount – Do you have a sprinkler system to reduce the chance of a total loss in the event of a fire? If so, you are likely eligable for up to a 10% discount!
- Tile Roof Discount – Do you have a tile roof in good condition? If so, another discount!
Rest assured that we’ll make sure you take advantage of as many as possible to keep your overall insurance premium as low as possible
Contact Vanyo for a Home Insurance Quote
Whether you own a single-family home or a condominium, or if you rent your home, Vanyo Insurance Group can help you financially protect your property. A free consultation with one of our agents could help you find the right home insurance and personal policies to suit your life situation. Contact Vanyo Insurance Group today to begin your no obligation insurance quote.