Need a Homeowners Insurance comparison in Gilbert?
For most people, your home is your most valuable assest, it’s the most expensive thing you own. This means you need to protect it! If your home is damaged and you need to file a claim, it’s important to have an insurance company on your side that will help you rebuild and fix your home.
Safe Street Insurance can help you find a home insurance policy that will give you all the coverage you need based on your specific home and property and needs. We don’t work with cookie cutter policies. We tailor a policy specific for you.
Note: it’s important to note that if you are renting your property, if your home is un-occupied you need a special type of homeowners insurance. We can help you with this as well, but it’s important to let us know.
Regardless of where you live or how much your home is worth, homeowners insurance is an extremely valuable thing to have, to make sure you’re financially protected.
You need to know what your getting in your home insurance policy. No two policies are equal in the price and coverage they offer. So it’s important to know your options and work with a professional to help you get what you need.
Find out how much home insurance costs here.
Gilbert Homeowners Insurance
If you’re not working with an independent agent in Gilbert, then you may not be getting the best coverage and the coverage you need on your homeowners insurance.
It doesn’t matter if you are renting or if you own your home, you are exposed to many risks and threats that could wipe you out financially. Fire, vandalism, theft & robbery, being negligent for someone being hurt on your property, etc. The list goes on and on.
Most Homeowners insurance policies vary in terms of what is covered, how much is paid out and what your deductible is. Its important to explore all your options and to clearly understand your risks and liability so that you can purchase the correct home insurance policy.
Common Homeowners Insurance Coverages
Below are coverages that most home insurance policies will have:
Dwelling — this covers the actual structure of your house, the walls, roof, etc (main house). The cost to rebuild your home can change from year to year as the cost of building materials, labor and other factors change.
We us a replacement cost estimator to determine how much your home dwelling coverage should be.
Other Structures — this is what gives you coverage for any other structure on your property apart from the dwelling or actualy home. Things like detached garages, shops, fences, etc. This coverage is usually 10% of the dwelling coverage, but the amount can be changed to add less or more coverage.
Personal Property — this one is pretty easy to understand. It covers all your personal property or the stuff you own. Essentially, all the stuff in your home that isn’t permanently attached to your home.
Loss of Use — if your home suffers damage that’s covered by a claim, it may be hard to live there while things get fixed. This covers your living expenses while repairs are down and you need to live elsewhere for a time.
Medical Expense —this can help cover medical costs for people that are injured on your property, regardless of who is at fualt. Please note, this does not cover medical costs for you or any family members, just for guests.
Family/Personal Liability — If someone is injured on your property and you’re negligent, then this coverage could help pay. Think of all the things that could happen to a guest on your property. Do you have a pool or a trampoline? Do you have stairs or a dog? The possibilities are endless. Make sure you have enough coverage to financially protect yourself.
Scheduled Personal Property — there are certain items of personal property that are required to be specifically listed on the policy. Things like guns, jewelry, collectibles, etc. If you have anything of high worth, it would be a good idea to mention it to your insurance company.
How to get started with your homeowners quote:
Your home is special and different, this means you need an expert agent to help you build the right policy.
If you’d like an experienced agent to find the right policy for you, call or text us. Or fill out the form below to get started. We’re here to help however we can!