Scottsdale Arizona Insurance - Vanyo Insurance Group

Vanyo Insurance Group
8040 E Morgan Trail , Ste 5A
Scottsdale, Arizona 85258
Phone: 480-998-4014
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Insurance & Your Spring Project

March 16, 2018 By John Vanyo

Construction worker laying paver blocks

In Scottsdale, spring brings with it a sense of excitement. Homeowners are ready to start prepping their home for the summer months. And, while temperatures remain rather mild, some may decide it is time to make a few upgrades to the home. That’s a fantastic idea, but before you do so, it is important to check in with your home insurance agent at Vanyo Insurance Group. It’s our job to make sure your new projects are properly represented in your insurance policy.

New Structures Add Value and Function

This year, we’ve heard all about the benefits of customizing homes. Some of the local home improvement stores are seeing significant interest in not just new plants and flowers, but also in new structures, wood framing, and perhaps even a few sheds. If you are thinking about these new structures, you need to know a couple of key things about your home insurance policy.

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New Garages

Building a garage onto your home is an excellent idea. Whether it is attached or detached, it should be a space properly designed and installed by licensed professionals. Garages are valuable, and that means that they may require a careful look at the amount of Coverage B – Other Structure insurance you have. This portion of your home insurance policy covers other structures like garages usually at a rate of 10 percent of the total cost of your Coverage A – Dwelling coverage. Take a look at your policy. Does your new garage top that value? If so, we need to make a few adjustments.

A New Pool

Scottsdale’s temperatures can climb fast in the spring months, and that often means homeowners want to add a pool, spa, or other water-based features to their home. It’s a welcome addition. Before you do it, though, you need to consider the risk. Home insurance includes liability coverage up to a certain value. However, a pool needs to be listed on your policy to give you enough protection. Even if you are very careful about keeping the gates closed and not allowing others in it, it’s still a liability hazard. Let us know so we can add it to your policy.

Sheds and Other Structures

It’s also a good idea to let us know about any other structures and features you plan to add to your home. Here are some other structures we need to add to your policy:

  • Fences
  • Decks
  • Gazebos
  • Garden Sheds
  • Outdoor kitchens, grilling pits and other types of cooking spaces
  • Fire Pits

You should also know that your home insurance policy does not often cover land-based features on your home. That means items like the following do not have coverage in most cases:

  • Raised garden beds
  • Plants
  • Trees
  • Hardscaping features such as retaining walls and rocks

It’s important for you to know this because these are valuable investments. If there is a problem and you suffer a loss with them, you may end up spending significantly on replacing them. If you have any questions about what your home insurance covers, give us a call to inquire.

Home insurance coverage is there to help you. We’ve provided only a bit of guidance here, but we encourage you to give us a call to discuss your needs. If you are in Scottsdale or the surrounding region, our team at Vanyo Insurance Group is always available to discuss your individual needs. We encourage you to contact us with your questions today. And then, get your new spring projects wrapped up so that you can welcome family over for some fun this summer.

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Filed Under: Homeowners

Insurance can be confusing at times and everyone's needs are different. If you have questions regarding coverage, pricing, or anything else related to insurance, send us an email or give us a call.

If you'd like to get a free, no-obligation quote, all you have to do is ask!

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About John Vanyo

John Vanyo is the Owner at Vanyo Insurance Group in Scottsdale, Arizona. He is an active member of the Independent Insurance Agents and Brokers of Arizona, and is a Past President. John can be reached at 480-998-4014.

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As a customer of Vanyo Insurance I can honestly say that they stand behind the companies that they do business with. I have my business insurance, my auto policies and my homeowners with John and Susa…

Mark HerdingCamelback Wealth Consultants Phoenix, AZ

Great customer service. Got all insurance needs taken care of when others couldn’t for my business. Highly recommend!

Bryant Nusser

I’ve been with Vanyo Insurance getting on 10 years and they have never let me down. They are transparent with pricing and quick to reply to emails – not only when my insurance is due for renewal. High…

Jon R

Took care of all Insurance needs, at better prices than expected. Will continue to use!

Bryant Nusser

I’ve had great insurance being a member of your organization.

Sam Rutstein

I have worked with Vanyo Insurance Group for years and they are hands down the best Insurance Agency that I have ever used. John and Susan are both excellence and care about their clients needs. Throu…

Kevin Ghaswala

Worked proactively to introduce us to options.

James Breuer

Our family has been with Vanyo Insurance Group for several years, covering our auto, home, and liability insurance. They are without a doubt the very best agency we have used for our insurance needs. …

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I’ve known them for 20+ years and they’ve never let us down. Very honest people who love what they are doing! Friendly staff members as well! Have a question about something call them and they will an…

Laura Skodinski

As a recent graduate and a young working professional, I was grateful to find a provider that lined me up with the appropriate insurance that I needed short term and most importantly long term. The Va…

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Location

Vanyo Insurance Group
8040 E Morgan Trail , Ste 5A
Scottsdale, Arizona 85258
Phone: 480-998-4014

Our Hours

Monday - Thursday - 8:30 - 5:00
Friday - 8:30 - 4:00
Evenings & weekends by appointment

Our Latest Post…

Insurance & Your Spring Project

In Scottsdale, spring brings with it a sense of excitement. Homeowners are ready to start prepping their home for the summer months. And, while … [Read More...]

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