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Precision Insurance Team

6859 E Rembrandt Rd
Suite 128
Mesa, AZ 85212

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Precision Insurance Team Blog

How to choose the right home insurance

Choosing your home insurance is one of the most important decisions homeowners make. Unfortunately, many people decide based on their wallet, and while the price is always a consideration, having an insurance carrier who is responsive when you need them is also important. The Precision Insurance Team in Mesa, AZ is an independent agency that offers its clients the help and advice they need to make educated choices when it comes to home insurance.

Get multiple quotes

The Insurance Information Institute recommends that you get at least three quotes before deciding on your home insurance. It isn’t all about the cost. However, it would be best to compare the figures on the declaration page to compare apples and oranges. 

Check the coverage

Home insurance policies offer various types of coverage, and the amount of each coverage affects the policy’s cost. You don’t want excessive coverage, but you also require adequate coverage. You need enough property coverage to rebuild your home if it is destroyed and enough liability coverage to protect your assets. You may even want to think about an umbrella policy. 

Deductibles and limits

Home policies have a deductible when you file a claim. Common ones are between $500 and $1000 but could be more. You must decide which one makes the most sense to you and if the savings from choosing the higher amount are worthwhile. Certain items will have limits on coverage, such as jewelry. Consider adding a rider to supplement any limit that is not adequate.  

In Mesa, AZ, the  Precision Insurance Team is here for you to share our experience with home insurance. Making the right choice is important, and we will happily help you find the right home insurance. We can do that in our office or on the phone. Let us give you a no-obligation quote. 

Why should I have renters insurance in Arizona

Mesa, AZ is located west of Phoenix. It is the second-largest city in the Phenix metro area and the third-largest in the state. It has a history that goes back more than 2000 years. Rental prices are among the lowest in the valley, making it an attractive option for those wanting an affordable home or apartment. Many renters wonder why they need renters insurance in Mesa, AZ. Doesn’t the landlord or management company have insurance? For answers to questions about renters insurance, the Precision Insurance Team is the one to talk to. 

You may wonder why you should have renters insurance since you don’t own the building. That is true, of course, and it is up to the landlord to protect their building, but you can benefit from the other types of coverage that a renters policy offers. 

Contents

Your rental contents belong to you, and your landlord’s insurance will not replace it. If you don’t have renters insurance, you will lose everything and replace it yourself out of your savings. Consider all the things you own, your furniture. Kitchen contents, clothes, and electronics. It is thousands of dollars of possessions. 

Liability

If someone is visiting you at your rental and is injured, they rightfully will expect you to pay for the medical cost associated with that injury. They may even sue you, and without insurance, this can be devastating. 

Loss of use

If your rental is damaged and you can’t live in it for a time, how will you pay for your accommodation? Renters insurance can help with that as well. It makes a bad situation less stressful. 

In Mesa, AZ, Precision Insurance Team is ready and available to speak to you about renters insurance benefits. Give us a call or stop into our office and let us give you a free quote for this valuable protection.

Servicing States

  • Arizona

Why Work With Us?

  • Locally owned and operated
  • Works with multiple carriers
  • Combines policies for best rates
  • Customer friendly services
  • Print out your auto ID cards from home, anytime!

Partner Carriers

  • MetLife
  • Openly
  • Safeco
  • Travelers