|
Arizona Homeowners Insurance Info - Tucson, AZ Area
|
|
Whether you own a house, condominium or townhouse, for most people
their home is their most important investment. Arizona Insurance Clinic offers Arizona homeowners insurance policies that have flexibility to meet your individual needs and above all, provide you with the security that comes only from the knowledge that your home is safe. |
|
Insurance for your home is one of the most popular and important forms of
personal insurance and the typical Arizona homeowners insurance policy has two main sections: |
|
Section I - insurance coverage for your property
Section II - personal liability coverage (to cover you in case of lawsuits
arising from things that happen on your property) |
|
Arizona homeowners insurance is often required by lenders to obtain a
mortgage and nearly everyone, whether you own or lease property, should have the protection of home insurance. |
|
Arizona Homeowners Insurance Policy FAQ
|
|
Click on the link below to fill out a secure quote request form for an Arizona
Homeowners Insurance policy that will provide excellent insurance coverage at an affordable cost. Or speak with our Arizona Homeowners Insurance specialist at (520) 323-6887 to discuss the policy features in more detail. |
|
We are a Tucson, AZ insurance agency offering cheaper Arizona homeowners insurance
policy premiums to residents located in the following cities and counties throughout the Grand Canyon state of Arizona: Oro Valley, South Tucson, Cortaro, Vail, Sahuarita, Benson, Sonoita, Elgin, Green Valley, Sierra Vista, Continental, San Xavier, Madera Canyon, Patagonia, Nogales, Tubac, Amado, Carmen, Pan Tak, Rillito, Redington, Marana, Red Rock, Picacho, Oracle, San Manuel, Mt. Lemmon, Catalina, Mammoth, Eloy, Casa Grande, Arizona City, Coolidge, Florence, Gilbert, Peoria, Glendale, Sun City, Maricopa, Sun Lakes, Chandler, Mesa, Scottsdale, Sun City West, Tempe, Phoenix, Apache Junction, Surprise, Cochise County, Santa Cruz County, Graham County, Pinal County, Maricopa County, and Pima County, AZ. We can also provide lower cost Arizona homeowners insurance premium rates in the cities of Flagstaff, Prescott Valley, Yuma, Lake Havasu City, Sedona, Bullhead City, and Prescott, AZ. |
|
Covered losses under a Arizona homeowners insurance policy can be paid on either a
replacement cost basis or on an actual cash value basis. When "actual cash value" is used, the policy owner is entitled to the depreciated value of the damaged property. Therefore, the older the item is, the less money you may receive for it. If you choose the "replacement cost" coverage, the Arizona homeowners insurance policy will reinburse the amount it costs to replace the property with something of a similar type and quality at current prices. |
|
Arizona Homeowners Insurance Policy FAQ
|
|
Personal liability in an Arizona homeowners insurance policy is also an important part of having
security from accidents that may occur on your property. We suggest you choose coverage limits that are not less than those on other liability insurance you own, such as car insurance. |
|
Arizona Homeowners Insurance Policy FAQ
|
|
Click on the link below to fill out a secure quote request form for an Arizona Homeowners
Insurance policy premium rate quote that will provide excellent insurance coverage at an affordable cost. Or speak with our Arizona Homeowners Insurance specialist at
(520) 323-6887 to discuss the features in more detail.
|
|
Replacement Cost or Actual Cash Value
|
|
All Risks or Named Perils
|
|
Coinsurance Penalty
|
|
Personal Liability
|
|
Arizona Homeowners Insurance Policy FAQ
|
|
If your policy limit is less than 80% of the replacement cost of your home, you will face a
"coinsurance penalty," which means you'll have out-of-pocket expenses to cover costs beyond the policy deductible you chose. For example purposes we will assume your home's estimated replacement value (RCV) is $200,000. The co-insurance clause requires you carry at least $160,000 (80% of your RCV). If you chose to purchase only a $80,000 Arizona Homeowners Insurance policy you would be underinsured by half. Therefore, in the example the insurance company would pay one-half of a loss less the policy deductible, so if you suffered a $20,000 covered loss to your house, condominium or townhouse and had a $500 deductible, your policy would only pay $9,500. |
|
Arizona Homeowners Insurance Policy FAQ
|
|
An "All Risks" policy provides the broadest Arizona homeowners insurance protection because it
will cover losses that are due to any peril except those specifically excluded in the policy. A "Named Perils" policy covers losses that are due to only those perils listed in the standard Arizona Homeowners Insurance policy and typically include fire, hail, windstorm, and other physical losses. |
|
**The information, pictures, and other content in this website about particular insurance services is only
provided for informational purposes. Any decisions regarding your insurance needs should be discussed with a licensed insurance agent. |
|
SSL Secure
|
|
SSL Secure
|
|
Proudly Serving Arizona
Since 1983!
|
|
Arizona Insurance Clinic
4925 5th Street
Suite 101
Tucson, Arizona 85711
Pima County AZ
(520) 323-6887
Fax: (520) 323-9665
|
|
ARIZONA
|
|
INSURANCE CLINIC
|
|
Arizona Homeowners Insurance
|
|
Arizona
Personal
Insurance
|
|
Homeowners
Insurance
|
|
Copyright 2009-2011 Arizona Insurance Clinic - All rights reserved
|
|
Website Builder & Managed by InsuranceWebsiteServices.com
|