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the hartford insurance logo

A.M. Best: A+

Founded in 1810, The Hartford is one of the largest investment and insurance companies based in the United States, ranking 78th on the 2006 Fortune 100 list. The Hartford is one of Business Week's top 50 performers and a top 10 property and casualty insurer.

metlife auto home insurance logo

A.M. Best: A+

The origins of MetLife go back to 1863 when a group of New York City businessmen raised $100,000 to found the National Union Life and Limb Insurance Company. The business catered to Civil War sailors and soldiers. In a reorganization the firm's name was changed to Metropolitan Life Insurance Company. By 1909 MetLife became the nation's largest life insurer in the United States, a position they hold today. MetLife is also becoming one of America's leading Auto and Home insurance carriers.


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travelers insurance logo

A.M. Best: A

Traveler's is the second largest writer of U.S. personal insurance through independent agents, with approximately 14,000 independent agencies and brokerages countrywide. They are now # 85 on the Fortune 500 list of largest U.S. companies (2005).

fidelity national insurance logo

A.M. Best: A-

Fidelity is ranked 248 on the Fortune 500, and is a nationwideprovider of insurance policies, such as homeowners, auto, flood, and umbrella. They landed on Fortune's list of most admired companies and in 2004 were named as one of America's best managed companies. They offer Arizona Auto Insurance, Arizona Home Insurance and other insurance products.

safeco insurance logo

A.M. Best: A

Safeco startled the established insurance industry in 1923 when it organized as a company in Seattle, Washington, far from the recognized insurance centers at the time, located in Northeast. In 2004, Safeco sold its life and investment operations to focus solely on property and casualty insurance. In 1998 Safeco secured the naming rights to the Seattle Mariner baseball park.


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Why buy your Arizona Auto Insurance and Arizona Homeowner Insurance
from us?

Arizona Homeowners Insurance

Do you have your home insured for Full Replacement in the event of a fire or storm? Occasionally we meet a new client and discover their home is underinsured. In the event of a total loss, you want your home covered. That's why we take the proper steps to ensure your home is insured right - from the start. Just having Arizona homeowner insurance does not mean your home is insured properly. We will make sure it is.

Things like jewelry, art and collectibles often have very limited coverages under an Arizona homeowner insurance policy. You need to discuss with your agent the items inside your home that have value. He or She can help determine if additional coverage is needed.

Have you heard of Loss of Use coverage before? Our policies include this coverage that ensures your Arizona homeowner insurance policy will pay for you to live elsewhere in the event your home is damaged and has to be remodeled or rebuilt.

Our Arizona homeowners insurance provides coverage called Loss of Use or Living Expense. These will pay to have you live in a hotel or rental home temporarily if your home is badly damaged and you have to live elsewhere on a temporary basis.

Policy Reviews Are Important

You should not wait for your agent to contact you to conduct a policy review. Your policy covers you and your belongings and it is incumbent upon the insured to know and understand their policy, its limits and available riders. A claim is not the ideal time to find you have gaps in your coverage. Plan ahead and contact your agent to set a review appointment.

Are You Insured Properly?

As you obtain a home insurance quote or when your policy renews annually, ask your agent what is the proper amount of coverage for your home. The cost to rebuild a home has skyrocketed the past few years. Building material costs and construction labor costs have risen dramatically. According to recent news articles in 2006 approximately 40% of all homes are underinsured.

Discounts

It is advisable to discuss with your agent all the potential discounts available. The most common discount is the auto and home discount, called the multi-policy discount. See if you qualify for other discounts, like an alarm discount.

Finally, an Arizona homeowners insurance policy should ideally be combined with an Umbrella policy to provide you with the best protection.

TRIVIA: The first U.S. fire insurance company was formed in South Carolina in 1732. Benjamin Franklin opened an insurance business in 1752 and his business model was the first to include warnings against certain fire hazards and he also declined to insure certain risks, such as all-wooden homes.

 
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