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6859 E Rembrandt Rd
Suite 128
Mesa, AZ 85212

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Precision Insurance Team Blog

Do You Need Mobile Home Insurance?

There are many different types of mobile home parks available in the Mesa, AZ area. Mobile homes are sometimes referred to as manufactured homes. They are different from most types of houses, even modular houses because they are placed on movable chassis instead of a foundation. Some people may wonder if they need to insure their mobile home.

Do You Need Mobile Home Insurance?

Just as you would need insurance for a traditional home, you also need insurance for a mobile home. Is mobile home insurance covered as home insurance or under auto? While it is similar to homeowners insurance, most insurance companies will specifically offer mobile home insurance since there are some differences involved. While Arizona doesn’t require insurance for mobile homes, if you take out a loan for your mobile home, a mortgage company is likely to require it. Also, many trailer parks will require proof of insurance before allowing you to stay there.

What is Included in Mobile Home Insurance?

There are a few things that mobile home insurance will generally cover. What exactly is covered will depend on what the insurance agency is offering and the specific policy that you purchase. The following are a few things that are sometimes covered when purchasing mobile home insurance.

  • Loss Due to Fire
  • Loss Due to Vandalism
  • Loss Due to Hail or Severe Storms
  • Loss of Personal Property in the Mobile Home
  • Liability Protection When Someone is Hurt in the Mobile Home

Why Call the Precision Insurance Team?

The Precision Insurance Team in Mesa, AZ can provide you with mobile home insurance. We also provide several other types of coverage including life, auto, RV, and renters insurance. Contact us today at Precision Insurance Team to find the right coverage for your mobile home.

Does my homeowners insurance protect me from vandals and thieves?

Being a victim of a crime is frightening and disorienting. At least with the right insurance policy, you can rest assured that you can recover after your Mesa, AZ home is the victim of thieves or burglars. At Precision Insurance, we want to make sure you have the protection you need so that you can move on after such an unfortunate event.

Burglary and Theft

As a homeowner, you are expected to take reasonable measures to protect your property. Some of your belongings are in the yard, such as garden decorations. Anyone coming onto your property to steal something in your yard may be guilty of trespassing and theft.

if someone comes into your house or garage, the crime is more serious because you and your family could be endangered. Your homeowners’ insurance will protect you against burglary and other forms of theft.

Vandalism

You might suffer a loss of property even if nothing is taken. There are many acts that could cause damage to your property, often done by people who simply have bad intent. Examples of vandalism include:

  • slashed tires
  • broken windows
  • spray paint on the outside of your home
  • and any other kinds of deliberate damage to your home or property.

Making an Inventory

In order to make a claim, you should be able to tell your insurance company what you lost and how much it was worth. If you need help, our Precision Insurance Team can help you organize the best way to do an inventory of your Mesa, AZ home. 

We Are Here To Help

Criminals can cause you stress, but we can help you recover your losses. Call Precision Insurance Team today so we can help make sure you have the protection you need and deserve.

What factors need to be considered when shopping for home insurance?

Owning a home has been a great idea for a lot of people in the Mesa, AZ area. When looking for home insurance for a property, there are many factors to consider. 

Asset Coverage

One factor to consider when you are shopping for home insurance is the type and level of coverage for your assets. You will need coverage for both your dwelling and personal assets. It is important to ensure you have the right amount of coverage to comply with a loan agreement and ensure you have sufficient support for your assets.

Liability Coverage

It is also important to consider your liability coverage. There are always liability risks faced by property owners. When you have the right coverage levels, it will ensure you have support if you are found liable for an accident. While it is important to have enough coverage to comply with requirements, you also need coverage to help protect your personal wealth and assets.

Deductible

The deductible is the amount of money you will pay out of pocket before the insurance covers any claim. If you have a high deductible, your premiums will be lower. However, it will cost you more if you do file a claim. It is important to find the right balance.

Reach Out To Us

There are a lot of important decisions to make when you are looking for a home insurance plan in the Mesa, AZ area. If you are looking for this type of coverage here, you should call us with the Precision Insurance Team. We know the value of this coverage and can offer any guidance that you need to build a new plan. Our professionals with the Precision Insurance Team will take a personalized approach to ensure you select an ideal plan for your situation. 

Tips for making your home safe inside and out

Having a safe home is the goal of many homeowners. Hazards are all around and making sure you are adequately protected is vital for your financial security. At Precision Insurance Team in Mesa, AZ, we do our best to make sure that all our customers have the best home insurance to suit their needs. 

Making Your Home 

Outdoors 

Outside your home, it needs to provide a warm welcome, and it also needs to offer you safety. This begins by making sure that your home is not obscured by tall bushes. Don’t give intruders any place to hide. Installing motion detector lights will let you see anyone who comes close to your home.  If you don’t already have a home security system, it is time to consider it. You have lots of affordable options to choose from. 

If you have children and a pool, a pool alarm and fencing are a must, with an automatic locking gate. Check local regulations regarding pool safety. 

Indoors

Keeping your home safe indoors begins by using the locks that you have on your doors and windows. This is a basic safety measure. Make sure your home is safe from fire by regularly checking if your smoke detectors are working.  Have a fire escape plan and keep a fire extinguisher handy.

Trips and falls are a danger inside and out. Don’t store things on stairs or in walkways where they can cause a fall. Avoid extension cords in any area where walking happens, and put a nonslip mat or stickers in tubs and showers. 

Keep all medication out of the reach of children and pets. Any chemicals that are poisonous should be in a locked cabinet which only adults have access to. Some plants are also poisonous. Before bringing them into your home, make sure they are safe. 

Keep Your Home Insurance Updated

Contact Precision Insurance Team to discuss your home insurance needs. We proudly serve the greater Mesa, AZ community.

Are Musical Instruments Covered By Home Insurance In Arizona?

When your kids start playing a musical instrument – or you do – you realize a huge asset in your home. An upright piano costs thousands of dollars, and a grand piano, tens of thousands. Even an electric guitar and a basic solid-state amplifier can cost a few hundred. None of that is trivial, and the prospect of damage to these tremendously expensive possessions, vital to happiness, can be daunting.

Precision Insurance Team, serving Mesa, AZ, can help you answer your questions about the protection your insurance offers your musical friends.

What Damage Are Covered?

A musical instrument that is covered by homeowner’s insurance can be repaired up to the limits of your homeowner’s policy. In some cases, this may mean that you are still on the hook for some repairs that are beyond the limits of your homeowner’s policy. In the case of an instrument damaged in an event like a pipe burst or a fire, the repair may have to wait until other parts of the house that are more critical to its immediate suitability for occupancy are fixed.

When Is An Instrument Not Covered?

While this is usually not the case for an acoustic piano, if you have a digital piano or a valuable electric guitar or bass, it may behoove you to purchase specific insurance for that instrument, especially if that instrument is an instrument that routinely leaves the home and is subject to the risks and difficulties of travel. Many are the stories of electric guitars that have come out of an airline’s baggage claim as if they’d come through a war zone.

Contact Us Today

Musical instruments are sometimes, but not always, covered by homeowners’ insurance. It’s wise to find out whether your policy covers it, and Precision Insurance Team’s professionals serving Mesa, AZ can help answer your questions.

The Risks You Face If You Do Not Have Proper Home Insurance

Owning a home is expensive. Your property is obviously the most valuable possession in life, and you want to protect it. One of the best ways of protection is home insurance. However, about 5% of homeowners in the United States decide not to purchase it. If you are also thinking about skipping homeowners insurance, you should be aware of the potential risks you are facing:

What Are The Risks Of Not Having Home Insurance?

If you decide not to purchase home insurance or want to get rid of it, you should know about the following risks: 

  • You can lose your precious personal items and possessions to burglary. Unfortunately, burglary is quite common in the United States. If someone breaks into your house and steals your personal items, your home insurance will cover their costs. However, if you do not have home insurance, you will not be compensated for your loss. 
  • You will have to pay for repairs yourself if your house is damaged by a natural disaster.  If you have the right home insurance and enough coverage, your insurance company will pay for repairs and fixings in case of a natural disaster. However, if you do not, you will be left with nothing and will have to spend your own money to repair your home. 
  • If someone gets injured on your property, they may sue you. One of the purposes of home insurance is to provide liability protection. Without it, you may face serious financial consequences. 

Contact Precision Insurance Team Today

If you live in Mesa, AZ or any other nearby town, and you want to buy home insurance to protect your property and belongings, feel free to contact Precision Insurance Team. We specialize in various types of insurance, and we will be glad to help you find a perfect home insurance policy based on your needs and budget. We serve clients in Mesa, AZ and other nearby communities. Feel free to call us to ask the questions you have or learn more about our policies. 

How Do I Know If I Have The Right Amount Of Home Insurance?

How much home insurance do you need? This is a question that many people ask, but it can be difficult to answer. The amount of coverage you need depends on a variety of factors, including the value of your home, your possessions, and your liability risk. Here we discuss some tips for determining how much home insurance you need.

Home Insurance: What You Need To Know

1. Evaluate the Value of Your Home

If you own a home, chances are it’s your most valuable asset. The amount of coverage you need should be based on the value of your home. You can use an online home value estimator to get an estimate of your home’s value.

Once you have an estimate of your home’s value, you’ll need to decide how much coverage you want. Typically, homeowners insurance covers the dwelling, or the house itself, as well as other structures on the property (like a detached garage). You can choose to insure your home for its replacement cost value or its actual cash value.

2. Consider Your Possessions

Your possessions are also covered under a homeowners insurance policy. To determine how much coverage you need, make a list of your valuable items and estimate their worth. You may want to consider getting additional coverage for particularly valuable items, like jewelry or art.

Remember that standard homeowners insurance policies have limits on the amount of coverage for certain items, like electronics or jewelry. If you have items that are worth more than the limit, you’ll need to purchase additional insurance to cover them fully.

3. Consider Your Liability Risk

In addition to insuring your home and possessions, a homeowners insurance policy from Precision Insurance Team in Mesa, AZ also provides liability coverage. This coverage protects you if someone is injured on your property or if you’re sued for damages.

To determine how much liability coverage you need, consider your assets and income. You’ll want to purchase enough coverage to protect your assets in the event that you’re sued.

Give Us A Call

These are just a few tips for determining how much home insurance you need. The Precision Insurance Team in Mesa, AZ can help you select the right amount of coverage for your needs. Contact us today to learn more.

Home Insurance Coverage Options for Residents of Mesa, AZ

Home insurance and homeowners insurance are two separate coverage options for your home. While these coverage options are similar, the only difference separating these coverage options is homeowners insurance covers more than the structure of your home. If you’re looking for home insurance in Mesa, AZ, the Precision Insurance Team can help. 

What Is Included In a Standard Home Insurance Policy?

A standard home insurance policy in Mesa, AZ includes different coverage options. These different standard coverage options include:

Home Structure and Property

Home insurance gives you financial protection for your home’s structure as well as any property in the home in the instant a covered event occurs.

Additional Living Expenses

Home insurance also covers your additional living expenses that incur while you’re making repairs. These additional expenses can include lodging and dining.

Liability Protection

A standard home insurance policy has liability protection. If someone is injured while on your property, or you are held accountable for damaging someone’s property, your liability policy will help cover the expenses.

What Are the Different Types of Home Insurance Policies?

There are different types of home insurance. If you have a different type of home loan, you will most likely have an HO-3 policy, which is the most common type of Mesa AZ home insurance. HO-3 policies often include:

  • Housing coverage
  • Covering other structures
  • Personal property coverage
  • Responsible 
  • Medical payments
  • Additional living expenses

Each type of home insurance policy covers different risks, such as water damage, fire, and theft. 

How does homeowners insurance work?

The home insurance journey can be broken down into different steps, each with its own set of considerations. Understanding each step can help you understand how your policy works.

Here at the Precision Insurance Team, we are ready to help you choose a home insurance policy that fits your needs. Contact us today to learn about our insurance services and how we can help you.

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. 

What Type of Protection Does the Typical Home Insurance Policy Offer?

If you own a home in Arizona, you are going to need home insurance. However, you need to be familiar with what your insurance policy covers. The professionals at Precision Insurance Team, an insurance company that serves the residents of Mesa, AZ, understand that a lot of homeowners don’t understand what is and isn’t covered until it is too late, which means a loss has already occurred.

So, What Does Homeowner’s Insurance Cover?

As a general rule, homeowner’s insurance will cover any kind of damage that occurs as a result of thunderstorms, hail, lightning, theft, and vandalism. Any kind of damage your home sustains due to a flood or earthquake is typically not covered. However, you can protect yourself and your home from this type of damage by purchasing additional and separate coverage.

What Type of Coverage Is Offered by Homeowner’s Insurance Coverage?

In the event that you do sustain damage from one of the covered events outlined in your policy, what kind of coverage can you expect?

Dwelling Coverage

This type of coverage will pay to either repair or rebuild everything in your home. Because these costs can be exorbitant, you need to sit down with an insurance agent to make certain you have the proper coverage limits to repair/rebuild your property.

Additional Structures Coverage

This type of coverage pays to repair or replace other structures on your property, such as a detached garage or shed.

Personal Property Coverage

This type of coverage covers your personal property up to a certain amount in the event it’s damaged or destroyed in a policy covered event.

Liability Coverage

This type of coverage covers your personal property and will cover legal defense costs in the event legal action is taken against you after someone is hurt on your property.

Loss of Use Coverage

This type of coverage covers your living expenses in the event you must stay somewhere else, such as a hotel, while your home is being repaired or rebuilt.

Visit or call Precision Insurance Team to learn more about homeowner’s insurance and what options are available to Mesa, AZ homeowners.

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