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6859 E Rembrandt Rd
Suite 128
Mesa, AZ 85212

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Precision Insurance Team Blog

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.


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 


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. 


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.

Why Every Homeowner Needs Home Insurance

If you own a home, you most likely are required to have home insurance by your lender. However, even if this policy is not required of you, you still need to have one in place and keep it up for as long as you own the home. To get started, give us a call at Precision Insurance Team in Mesa, AZ. 

Protecting Your Home

When you have a home insurance policy, it protects you in case your home is damaged or destroyed. The policy has a long list of covered accidents and disasters that can and do damage homes. If your incident is one of the covered ones, you can have the repairs or rebuild paid for by the policy. Without home insurance, you would have to come up with all of the money for the repairs, and this could send you deep into debt. 

Covering Your Possessions

Also included in your home policy is coverage for all of your belongings that are inside your home. A serious incident that causes a lot of damage to the home may also cause a lot of damage to your things. It can be exceptionally expensive to get everything replaced after it’s ruined. But, with home insurance, the cost of replacing everything comes from the policy and not from your pocket. 

Accident Liability

Yet another portion of your home insurance is devoted to liability coverage. If someone came into your home and then was injured there, you may be liable for expenses such as their medical bills and lost wages. Your liability coverage takes care of these costs so that you aren’t likely to be sued. 

Cover Your Home

If you don’t yet have a home insurance policy, it’s time to remedy that problem. Call us at Precision Insurance Team in Mesa, AZ.

Electrical Fires and Home Insurance: What You Need to Know

Fire is a severe problem that impacts many hot-weather areas, particularly in cities like Mesa, AZ. If you’re worried about this issue and aren’t sure if your homeowner’s insurance will help, we at Precision Insurance Team can help you understand your options to minimize your financial loss.

Understanding Electrical Fires and Your Home Insurance 

Electrical fires can occur at just about any time in a home and can be devastating if they’re allowed to spread uncontrolled. There are many causes for this problem, including poor wiring, complications with various appliances, and other concerns that may be unexpected. 

It is reported that around 46,000 home fires occur every year in homes, with approximately 13% of them being electrical. Thankfully, home insurance policies will help to cover this type of damage in a relatively broad and comprehensive manner. Most home insurance policies cover fires better than floods and other damage. 

Thankfully, you can also expand your coverage to include other elements that your home insurance policy may not pay to replace. For instance, you may be able to find liability coverage if anybody is injured in your home due to the fire and needs medical treatment to recover.

The type of protection that they offer includes things like replacing damaged structural elements, providing you with new appliances, and even replacing your home entirely if it burns down. Some policies even help pay for temporary abode payments if you need to move into a hotel or apartment. 

Finding a Policy That Works for You 

As you can see, high-quality home insurance policies can provide long-term protection from fire-related problems. So please contact us at Precision Insurance Team if your Mesa, AZ home needs a better approach that will provide the long-term coverage benefits that work for their needs.

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