So many things can go wrong in your home, you need to be protected. The Insurance Team in Queen Creek, AZ is your local independent insurance agency. We are dedicated to making sure our customers have a great insurance experience. We work for you to check multiple carriers, so you don’t have to. Let us help you to get the insurance that fits you and your needs.
What Protection Home Insurance Offers
Home insurance isn’t just one type of insurance, it is four kinds. The traditional coverage is property, liability, content, and loss of use. All of them are important and serve a purpose.
Property insurance protects the physical structure of your home and any of the built-in appliances. It pays to replace the systems like HAVC, electrical, and plumbing. It also covers attached structures like a porch, deck, or attached garage. It also covers detached structures like a shed or garage,
Liability coverage protects you and the members of your family against legal action taken against you. It can pay for medical expenses if someone is injured and also a judgment if they decide to sue you. It can even pay for the legal expenses themselves.
Content coverage will help replace your personal possessions if they are damaged or destroyed. You have two options. For content coverage, you can get the actual value or replacement cost. That is the difference between depreciated value and what you need to actually buy it at today’s price.
Loss of use means that if your home is rendered uninhabitable, you will be able to collect from the insurance company for your room at a hotel for the short term and a rental if you are without your home for a longer time. It can also pay for meals if you don’t have a way to cook.
Contact Us Today
If you need home insurance, call The Insurance Team in Queen Creek, AZ to make an appointment for a no-obligation quote.