You buy a house and purchase homeowner insurance. The trouble is, no one ever reads their homeowner insurance policy. Let me give you some inside information that you need to know before you have a claim and discover you have limited coverage.
We like to do our very best for all of our clients, and especially for our friends north of the border. In the United States, we have slightly different rules when it comes to insurance and rating policies and understand that our Canadian friends go through more hoops to do business here. Plus, Canadians have to be watchful of the exchange rate when doing business in Arizona. We appreciate all business but want to be mindful of how much value and good will our Canadian friends bring to our great State.
If you are a Canadian looking to buy homeowner insurance in Arizona, there are a few key questions and points I would like to make. First of all, is the home a seasonal or rental?
If a seasonal, it is quite easy to find a competitive quote for you. If a rental, the sub question then becomes whether you are insuring to one family on an annual basis or renting to various people for short durations. If for short durations, it is a little harder finding a carrier willing to insure the home. Certainly you will find a less competitive rate under these circumstances. The reason – insurers feel the risk exposure increases when having different people stay for short durations versus one family who calls it home throughout the year.
Over the years, the main issue with insuring our Canadian clients (from a carrier perspective) is the water claim issue. On several occasions there have been water leaks. By living out of the country, you may not be made aware of a leak until substantial damage has occurred. I have, on more than one instance, seen a claim rise to six figures. The water leaks cause such substantial damage when not detected early. Water claims seem to be the biggest concerns for insurance carriers when insuring Canadian clients.
Still, our carriers seem to remain very competitive when offering homeowner insurance in Arizona for Canadians. And, according to several of our Canadian clients, our homeowner insurance for Canadians in Arizona is fairly competitive when comparing rates they find back home.
When buying a home in Arizona, pay close attention to the loss/claim history report that you should receive during the inspection period. If you see a theft, fire, vandalism or water claim, be sure to inquire with your agent if this will cause any difficulty in securing homeowner insurance. You want to find out that information prior to your inspection period running out.
That’s it! If you want a quote, please let us know. We appreciate your business and look forward to serving you!!
Gary Brown, Agent
Back in October 2010 Arizona suffered one of those rare storms. We get storms, mind you. The rain that pours down so hard the streets are flooded and homeowners are hoping the water does not reach the front of back doors. But the storm five years ago was so significant in the damage it did. Between the rain, wind and golf ball sized hail, thousands of Arizona homeowners applied to the insurance company for a new roof or roof repairs.
I recall a dozen or so roofing companies stopping by my residence and offering to file a claim on my behalf. One even made his way up to my roof and claimed to spot a significant number of dings in my roof that he said compromised it. I declined to file a report or claim. For starters, I did not believe my roof had been significantly damaged. Secondly, I would have felt dishonest filing a claim for benefits I did not feel entitled….though it was mildly tempting.
With all that in mind, it might surprise you to know that six states account for 75% of at-risk homes, meaning potentially at risk for storm damages. These states are Florida (for obvious reasons), Louisiana, New York, New Jersey, Texas and Virginia.
All of these states have coastlines but what makes New York different is the amount of homes and property that have in a small area. Compared to the other states on this list, their coast line is much smaller.
To help protect yourself against the risk of a storm claim, it is advisable to have your roof inspected periodically. One item many homeowners forget to re-check over time is the grout or tar around a fireplace and roof vents. Especially in Arizona those get dry and crack.
When I originally bought the house I live in today it did not occur to me to check the tar and grout around areas like my fireplace. Sure enough, one summer storm and we had water trickling down into the living room. Now, every couple years I go back up and slap some fresh tar around it.
Before you paint your house go around with a tube of caulking and fill in any cracks. This helps keep your home a little better insulated.
One more item. Homes with air conditioners on the roof will have a condensation pipe that drips during the heat of the summer. Buckets of water every day will come out of it. If that water is dripping near your foundation you need to re-route it away. Over years that water is enough to fill a small swimming pool. Imagine what that can do to your foundation. We had gutters installed and now the water drips into my gutter. Attached to the gutter exit is a tube directing the water away from the house.
If you live in zip code 85202 and want Low Cost Auto or Homeowner Insurance, please let us help.
85202 is a rectangular shaped zip code stretching from Price Road to Alma School Road. And from Guadalupe Road to Broadway Road. But for many people this area is mostly known for Dobson Ranch – a collection of about four thousand homes, town homes and condos.
The area was developed in the mid 1970’s to the mid 1980’s. Continental homes bought the land that is now known as Dobson Ranch. It was once a cattle ranch with thousands of head. Dobson Road was named after the owners. In the area is a high school, junior high and a few elementary schools. Located in the center of 85202 is a mall that once dominated the shopping scene – Fiesta Mall. Today, other newer malls have drawn much of the shopping dollar away from this icon.
U.S 60 runs directly through 85202. Also known as the Superstition Freeway, the US 60 was developed slowly as the population grew. Up to the 1980’s it stretched only to Power Road. Over the years, the State of Arizona has widened the road. This has helped the growing population of the east valley.
85202 is comprised of single family dwellings, condos, town homes and apartments. Whether you seek low cost insurance in 85202 for a property you own or rent, we can help.
Our firm represents an array of leading and top ranked regional and national insurance carriers, such as MetLife, The Hartford, Kemper, Infinity, Badger Mutual, Mapfre and more.
Whether you want 85202 homeowner insurance, 85202 auto insurance or renters insurance let us help. We can also assist if you own a toy – boat, ATV, golf cart or motorcycle.
How much does homeowner insurance in 85202 cost? Well, it depends on what you are insuring and how much insurance you want. If you want to insure a single family dwelling in the 2,000 square foot range you might pay $600-$800 per year approximately. Of course, you always have to know there are many factors and criteria that insurance carriers use. This is only a sample range.
We save people money
We are not locked into one carrier like some other agents. We can compare rates with numerous top ranked and top rated insurance carriers to help you pay less. Our goal is to help clients save up to 15% – 30%. But just as important, we want to help you select the right coverage so that you and your family is adequately protected.
Please call me for a quote (480) 659-0229. Or email: email@example.com
On our website is a quote form you can complete as well.
Want to save money on your homeowner insurance in 85233? Contact us for a quote and save money!
Gilbert Arizona is a great place to live. Ask anyone and the chances are you will find a person who cannot imagine living anywhere else. You will find beautifully built homes in well managed neighborhoods and homes with gorgeous red tile roofs.
Crime is relatively low and the streets are safe compared to most communities. It was ranked as one of the top 25 safest communities in the United States. CNN Money Magazine rated it as one of the best places to live. The schools are really good. They have lakes. Good food. Ample shopping. It’s mostly residential so you have less commercial traffic and construction.
Guess what? Insurance carriers know all of this information too. We have insurance carriers who LOVE Gilbert and frequently give us great rates on homeowner insurance in 85233.
Gilbert has grown over the years. From a sleepy farming community into the 1960’s and 1970’s to a booming residential community from the 1980’s to now. Census estimates say the population in Gilbert is now around 230,000. About 39% of the adult residents hold at least a bachelor’s degree. Median household income is roughly $80,000.
What is their not to love if you are an insurance carrier offering homeowner insurance in 85233.
The town can trace its roots to a man named William “Bobby” Gilbert who provided land to the Arizona Eastern Railroad so they could construct a rail line from Phoenix to Florence. Ayer’s Grocery Store was founded in 1910 and became the town’s first post office as well. Eventually, the post office moved to a spot east of Gilbert road where it remains to this day.
The town of Gilbert was incorporated in 1920 and was known as the Hay Capital of the World. For many years in the 1990’s and into the early 2000’s Gilbert was the fastest or one of the fastest growing towns in the country.
If you own a home in Gilbert or are thinking of moving to Gilbert, please get a quote for your homeowner insurance in 85233. We work with leading and highly rated insurance providers. We shop and compare those rates to help you save money.
I hope to save you money!
Gary Brown, Insurance Agent and Broker