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Mesa, AZ 85212

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3 Mistakes to Avoid When Buying Home Insurance

Buying home insurance can be a nerve-wracking endeavor. There are plenty of things to consider, and you want to make sure that you’re getting the right coverage. At the Precision Insurance Team, we know that Mesa, AZ residents want to avoid insurance mistakes. Here are three of the most common ones you should avoid. 

Buying the Wrong Coverage Amount

Arizona may not require homeowner’s insurance, but that doesn’t mean you won’t need it anyway. Your bank or mortgage company might require it, even if the state doesn’t. When these institutions do require proof of insurance, a lot of homeowners choose the bare minimum policy. Unfortunately, that policy may not be enough. When disaster strikes, many of these homeowners spend a lot of money out of pocket. 

Forgetting Rebuilding Costs

Some homeowners forget the cost of rebuilding when they buy home insurance. They think about the overall value of their home instead. Of course, the cost of your home does matter. However, the cost of rebuilding your home may be different than your home’s market value. When it comes to insurance, rebuilding costs matter most. Think about these costs before you purchase your policy. 

Not Asking Questions

Just like with any major purchase, you should do your research when you buy home insurance. A lot of new homeowners don’t do that. They buy the first policy they find without giving it a second thought. Don’t make this mistake. Your insurance agent should be more than willing to answer your questions. If you’re curious about your coverage options, just ask. 

And if you live in Mesa, AZ and want to discuss home insurance, the Precision Insurance Team is more than happy to answer your questions. Get in touch with us today to discuss your options. 

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