Home Insurance Secrets • How To Do It Right The Frist Time

Home Insurance

• How To Buy Homeowner's Insurance

  Hi, I’m jim Kreisman and welcome to Jim’s insurance university 101. In today’s lesson, we’re going to talk about home insurance. With all the different disasters coming through the united states here, it’s no wonder rates have been going through the roof. Still, I understand why and, more importantly, I do everything I can to optimize my policy to ensure that I have the right coverages, the correct discounts, and the best rate, so let’s learn how to do that.

  The Home Insurance FAQs You Need To Know

  We have prepared this information to discuss some significant coverage in homeowners insurance policies.  The primary coverage to note handles your specific dwelling.  This home insurance policy coverage will replace your existing structure with comparable construction and resources. To create the recommended coverage levels, we enter your home’s features into a details builder’s application that estimates the price of materials and labor to rebuild your existing home from the bottom up.  When evaluating costs, you’ll want to remember that the current real estate value of your house or what your home might sell for today and land value are not factored into this reconstruction cost.

  A vital component covered in your home insurance policy is the coverage known as an extended replacement, which ensures that you have enough coverage in the off chance the dwelling coverage amount is insufficient to rebuild due to heightened price labor and materials, which generally increase in cost eventually and bear large spikes when countless homes that will have to be rebuilt as well, comparable to after a wildfire.  That’s why extended replacement is essential coverage in your policy.  Our home insurance policy includes coverage totaling 125% of your respective dwelling coverage; however, as much as 150% is obtainable, depending on your actual needs.

  The following coverage component includes separate structures and covers structures on your property that aren’t attached to your home, including detached garages, sheds, pools, retaining walls, and more.  We’ve included separate structures coverage of 10% of your respective dwelling coverage limits, yet this number can be increased if needed.  This is essential coverage, and DO NOT ASSUME that an agent or salesperson in a call center will know you have it.  It is your responsibility to tell them about it. It can be a very overlooked coverage and cause issues after a loss if there is insufficient coverage.

  Next up is personal property coverage, which is undoubtedly in a position to supply coverage for your stuff, including furniture, clothing, appliances, and more. This coverage safeguards items within your home aside from the structure.  The non-public property coverage amount is based upon 75%, whatever the dwelling coverage amount. However, remember that there may be coverage limits for specific categories of personal property comparable to jewelry, firearms, antiques, comic books, cards (sports…), musical instruments, or fine art.  If you have any of these high-value items in your house, contact us to help you choose the appropriate coverage levels to protect your most valued possessions.

  A specific thing that makes our home insurance policy different is that we include contents replacement coverage, giving you the total replacement value of a person’s items, not the actual money value after depreciation.  That is an important distinction.  As an example, if your own home burns down and the total cost to replace your personal property is $300,000, but the actual money value or depreciated value is barely $100,000, you’d have an enormous gap in coverage and paying to replace your possessions out of pocket in a moment like this might be impossible.  The only catch is that until you repurchase an item and provide the receipt, you will initially only get the actual cash value.

  Another essential coverage in your home insurance policy is loss of use coverage.  The coverage included is 40% of a person’s dwelling limit and covers up to 24 months.  This implies that if you were displaced from your home because of a covered loss, including mandatory evacuations, we would cover the cost of a hotel or long-term rental, doggy daycare, and extra gas or food expenses.  The typical rebuilding time for most homes is 20 months, but unfortunately, most policies only cover twelve months, which may put you in a severe financial bind.

  Next up is one of the greatest and infrequently under-investigated coverage items called personal liability.  We commonly think of someone slipping and falling on our property, but that’s not the only reason you have coverage. Indeed, one of the biggest claims culprits is animal attack.   From dog bites to cat scratches, animal claims are likely to come with very big jury verdicts, or what if you or your family members accidentally start a fire and it spreads to your neighbor’s houses?  Well, their homes, personal property, and loss of use become one’s liabilities in cases like this, which is why having enough personal liability coverage is incredibly important.

  For this reason, families carry an umbrella liability policy, which provides a bucket of additional liability coverage above and beyond your home, car, RV, rental property policies, and more.  A few of you may well be thinking, I don’t have any savings, my home’s value is lower than my loan balance, and my car is underwater too; what is the reason why I need lots of liability coverage?  Well, in the state of California, in case a jury determines that you’re answerable for damages that exceed your coverage limits, your future wages may very well be garnished, and that is something no one wants to experience.

  Another essential coverage to discuss is the Ordinance of Law coverage, which provides coverage for losses if you are required to change your home resulting from city ordinances or laws that regulate the construction and rectification of damaged buildings.  This coverage is beneficial if you live in an old house unlikely to support the most recent building codes.  The standard home insurance policy covers 10% of your dwelling coverage, but additional coverage limits can be found for older homes.  One prime example is Scottsdale, Arizona, where all new homes must have fire sprinklers.  As with a recent fire in our agency, the client wanted to reduce the coverage, but in his policy review, Jim reviewed it with Tom and decided to leave it alone.  Tom’s house burnt down shortly thereafter, and he was so happy Jim showed him why he should have the coverage.  See Tom’s story on our http://youtube.com/user/myinsuranceteam channel.

  Also found in your home insurance policy is Identify Theft coverage which provides limited recovery services against identity theft.  You may not realize it, but a stolen identity is a real problem.  In reality, more than 28,000 victims of some identity-related crime will be daily.  In response to this growing threat, homeowner’s policies may come with up to $30,000 of identity fraud coverage.  So, if you’re ever victimized by identity fraud, you’ll have these funds available and a hotline with identity fraud experts just a call short away.

  So now that you have a better understanding of our home insurance policy coverage, we hope you feel more informed about selecting the right insurance plans for your personal needs.  However, there is also an extra factor that we want to talk about, and that is setting the right deductibles for your policies.  Choosing a deductible is one of the core components in determining how much your home insurance policy will cost.  Remember that the higher the deductible, the lower the premium might be, and on the flip side, if you want a lower deductible, know that you will pay more for your policies upfront.

  We hope this information helped you learn more about our home insurance policy and the importance of having the right coverage to protect your assets and future earnings; knowing and having the right coverage can save you from financial disaster should a tragedy strike, giving you peace of mind if you ever need it.

  Want to learn more about your Home policies in Arizona or California? Give us a call today at 480-637-5555.

  Questions or need help? Call us today at 480-637-5555.

  Legal Disclaimer: This information is for educational purposes only. Always check with your insurance agent, insurance company, or your state’s Department of Insurance, as the information in this video for your state may be different.

• What is Homeowner's Actual Cash Value And Replacement Cost?

  Questions or need help? Call us today at 480-637-5555.

  Legal Disclaimer: This information is for educational purposes only. Always check with your insurance agent, insurance company, or your state’s Department of Insurance, as the information in this video for your state may be different.

• Why is there limited personal property in renter's and homeowners policies?

  Questions or need help? Call us today at 480-637-5555.

  Legal Disclaimer: This information is for educational purposes only. Always check with your insurance agent, insurance company, or your state’s Department of Insurance, as the information in this video for your state may be different.

• House Replacement Cost Versus Market Value

  Questions or need help? Call us today at 480-637-5555.

  Legal Disclaimer: This information is for educational purposes only. Always check with your insurance agent, insurance company, or your state’s Department of Insurance, as the information in this video for your state may be different.

• EXCLUSIONS In Standard Homeowners Insurance

  What’s Not Included In A Standard Home Insurance Policy? You Need To Know

  Hi, I’m Jim Kreisman, and welcome to Jim’s Insurance University one oh one. In today’s lesson, we’ll talk about what’s not in a standard home policy. You know, you’ve got many types of homeowners insurance policies.

  Again, I’m in Arizona, so the video is pretty specific to California, Arizona but generic enough to help you ask the right questions to your insurance professional. So if you still have questions about the difference between an 800 number and an insurance agent, this is a perfect area.

  Homeowner’s insurance protects you against misfortunes and accidents, including fire damage, accidents on your property, identity fraud, and much more.  This protective coverage could help you save substantial amounts of money after a traumatic event occurs; generally, there are several exclusions to most homeowner’s policies you ought to know about.

  An exclusion means that there are particular sorts of damage or places that aren’t covered.  General exclusions in most property owners’ insurance policies include earthquakes, mold, flooding, and backup of sewers or drains.  If any of these risk factors are something that you want to protect against, make sure you ask about these add-ons so that your agent can supply you with more information regarding each different area.

  Along with exclusions, it’s equally important to note that in many insurance policies, there may be special limits on certain items, including items that generally will need to be appraised, like jewelry, guns, furs, fine arts, and antiques.  So, if you’ve got some of these valuables at your residence, make sure you inquire about which coverage you would need to know that your property is fully insured.

  If you have any questions, please don’t hesitate to contact us at 480-637-5555.  That’s why we’re here!

  Questions or need help? Call us today at 480-637-5555.

  Legal Disclaimer: This information is for educational purposes only. Always check with your insurance agent, insurance company, or your state’s Department of Insurance, as the information in this video for your state may be different.

• How To Do An Insurance Home Inventory Checklist

  The Importance Of A Home Inventory Checklist Before It Is Too Late

  Hi, I’m jim Kreisman and welcome to Jim’s insurance university 101. Your home inventory is one of the most important projects you can take on to ensure you have a record of everything you own in the event of a loss, like a fire or theft. The simplest way to accomplish this is through a video. One of the ways I do mine is to create a youtube account with a fake account name so that nobody can tie it to me, and then I upload the video of all my stuff and make it private. Make sure in the video there are no identifying things to the location of the house in the video or audio.

  Now that the video is online, even if someone gets into your account, it is useless to them but a treasure in the event you ever need it. 🙂

  Setting up your home inventory list probably isn’t on top of your long list of things to do being a homeowner. However, a home inventory list will probably be one of your greatest assets if your residence becomes damaged or destroyed by a fire, windstorm, flood, theft, or another catastrophe.

  So, what is a home inventory list? Well, it is just a detailed list of your home’s contents. If disaster strikes, this list might help you remember all your personal property so that you can report your losses when filing an insurance claim. To help build a list, you can go to the link below this article to download an Insurance Home Insurance Checklist PDF file that includes the most common household items. It’s also critical for you to think about some common sense suggestions when generating your home inventory list.

  First, you want to catalog every article of value in your residence and include serial numbers of items when possible. Next, you want to think about constantly adding to your home inventory as you buy new things. Although not required, consider using your cell phone or digital camera to photograph household items. This critical documentation can help out later. Lastly, don’t fail to remember to store your list in a safe place. You can even scan a copy of it and email it to yourself or request a neighbor or a relative to hold your list for you. Another option is to store it in a safety deposit box or make a confidential online video at youtube.com or another secure service.

  If you have any questions, please don’t hesitate to contact us at 480-637-5555.  That’s why we’re here!

  Download Home Inventory Checklist

  Questions or need help? Call us today at 480-637-5555.

  Legal Disclaimer: This information is for educational purposes only. Always check with your insurance agent, insurance company, or your state’s Department of Insurance, as the information in this video for your state may be different.

• How To Protect Your Stuff Before The Fire, Theft, Or Water Loss

  Questions or need help? Call us today at 480-637-5555.

  Legal Disclaimer: This information is for educational purposes only. Always check with your insurance agent, insurance company, or your state’s Department of Insurance, as the information in this video for your state may be different.

• How Home Insurance Cover Stuff In A Storage Unit?

  Questions or need help? Call us today at 480-637-5555.

  Legal Disclaimer: This information is for educational purposes only. Always check with your insurance agent, insurance company, or your state’s Department of Insurance, as the information in this video for your state may be different.

• FAQ Vacant or Flip Home Insurance Not Covered

  Questions or need help? Call us today at 480-637-5555.

  Legal Disclaimer: This information is for educational purposes only. Always check with your insurance agent, insurance company, or your state’s Department of Insurance, as the information in this video for your state may be different.

• How To Insure A Secondary Home

Renters Insurance

• Why Buy Renters Insurance?

  Renters Insurance Policy Coverage’s What You Need To Know

  Hi, I’m Jim Kreisman, and welcome to Jim’s Insurance University 101 Renter’s insurance.

  Do I need it? The answer is yes. If you’re renting an apartment or a house many times, your landlord or the property management company will require it, and renters insurance covers many different things. It could cover if you cause a fire. It happens if somebody slips and falls on your property, it happens. Look, I’m making fun of this, but renters insurance is cheap.

  At Kreisman Insurance Group, we are sometimes asked about renters insurance, how it can benefit you, and if it’s essential. So we are providing this information to help you better learn about the value of renters insurance, what it covers and how it can benefit you.

  First, it’s you must be aware that renters and insurance policies are in place to guard your stuff and liabilities in your rented home or apartment; as an illustration, this type of insurance can cover scenarios like the following, if somebody breaks into your great house and steals your laptop or computer, your neighbor falls asleep. In contrast, smoking starts a fire that causes damage to one’s property, your brand new big screen TV is destroyed when a bathroom overflows with an upstairs bathroom, a visitor trips and falls in your apartment and sustains injuries, or your building catches inflamed plus your apartment is severely damaged meaning you can no longer live there.

  Another way renters insurance might help is by providing loss-of-use coverage. Suppose you should move because your house or apartment is deemed uninhabitable due to someone else’s negligence. In that case, a renters policy can help cover these expenses, such as hotel, food, and other living expenses. Every one of these is a fantastic incidence of how renters insurance can help protect you and your stuff. Still, surprisingly, according to a recent Rent.com survey, 60% of renters do not have a renter’s insurance policy, and younger renters are even less likely to be covered, with 72% below the age of 25 without a policy.

  Then why don’t more renters put a renter’s insurance policy in place? There are two huge misconceptions among renters. First, many renters assume their landlord’s insurance covers them. Unfortunately, this isn’t true. So while your landlord’s insurance does cover damage to the construction you reside in, this one covers the outside, not your unique belongings.   It reminds me of an honest, heartfelt story from a Landlord client who once came to the scene of a fire in one of his rentals that was a total loss, and what a blessing everyone survived. The father turned to my client (landlord) and asked how we put in a claim to get coverage for our stuff.   That was a sorrowful time for my client to tell him it was not under his policy.   If you are a landlord, protect your investment and renters and ensure a clause in your lease requiring a renter’s policy is in force.

  Alternatively, renters insurance generally covers personal items lost due to fire, smoke, wind, hail, theft, vandalism, and in many instances, water damage. It’s also quite common for renters insurance to include liability insurance, which would help protect you when somebody injures themselves in your home or if your actions damage other units in your establishment, for example, a fire that starts in your home kitchen that finally ends up spreading throughout your apartment complex.

  Another big misconception about renters insurance is it’s expensive. The truth is that most people could insure their personal property against loss for concerning the asking price of two movie tickets or about $15-20 per month; there also is yet another significant renters insurance benefit that many individuals don’t learn about, which is these coverages are in place even while you’re traveling, for example, let’s say you are on a vacation and someone breaks within your car, stealing your laptop, these all so essential accessories and video camera. With renters insurance available, you’ll be able to file a claim that they help go through the lack of your valuables. So now the main point may be that renters insurance will perform excellent protection at affordable rates. It also becomes even cheaper if you already have an auto insurance plan with the same insurance company since you can reap the benefits of our multi-policy discounts.

  Call us today at 480-637-5555 if you are in Arizona or California to review your options and learn more about how renters insurance can help protect you and your valuables!

  Questions or need help? Call us today at 480-637-5555.

  Legal Disclaimer: This information is for educational purposes only. Always check with your insurance agent, insurance company, or your state’s Department of Insurance, as the information in this video for your state may be different.

  Topic: Renters Insurance FAQs

• Does Renters Insurance Cover Roommates?

  Questions or need help? Call us today at 480-637-5555.

  Legal Disclaimer: This information is for educational purposes only. Always check with your insurance agent, insurance company, or your state’s Department of Insurance, as the information in this video for your state may be different.

• Why is there limited personal property in renter's and homeowners policies?

  Questions or need help? Call us today at 480-637-5555.

  Legal Disclaimer: This information is for educational purposes only. Always check with your insurance agent, insurance company, or your state’s Department of Insurance, as the information in this video for your state may be different.

Condo Insurance

• How To Buy Condo Insurance

  Introduction

  Hi, I’m jim Kreisman and welcome to Jim’s insurance university 101. in today’s video, we will discuss condo insurance. Why do I need it? Because the master policy covers everything. Are you sure the master covers what you think it does? There are many different types of master policies and coverage options they provide.

  Some cover the entire structure inside and out,

  Some only cover studs out; the owner is responsible for the sheetrock and all the inside fixtures, flooring, and cabinets.

  Some will cover everything the way the builder left it, and the unit owner is responsible for any upgrades or betterment.

  Work directly with your property manager, and review the CC&Rs and appendices (letters to unit owners) for the type of condo insurance you should purchase.

  Without condo insurance and if the master policy is a bare-wall insurance policy, it could be a bad situation if there was a fire in your unit. That is unless you intended to self-insure.

  In addition, you will want to ensure you cover the master policy deductible in case there is a loss and you are assessed for the deductible.

  Now Let’s Dive – Condo Insurance What You Need To Know FAQ

  Here at Kreisman Insurance Group, we are sometimes asked about the advantages of a condo insurance policy and if condo owners need it. We have prepared this article to assist you in learning about the particulars of condo insurance, including how it can protect you in the event of a loss.

  Much of the confusion about condo insurance centers on the fact there are multiple forms of condominium insurance. The first type of insurance is a part of your condominium association. For most condominium owners, you automatically became associated with the condominiums association when you purchased your unit.  One advantage that this association nearly always offers its members is an expert insurance policy that covers the common areas of the property, that includes the garage, lobby, elevators, public swimming pool, tennis courts, etc. It is also likely that this master policy covers the physical structure of your home or unit. Though such insurance covers damage to the physical building, for example, the walls, no matter the system itself, as a rule, it doesn’t cover what’s inside the walls of your unit, which is usually covered by a condo insurance policy.

  Understanding this distinction in coverage is significant because let’s say there was a fire that destroyed your house; it’s the master insurance policy that would cover the value to rebuild the structure of your condominium, which includes studs and walls. However, anything contained in the walls, like wall covers, appliances, furniture, tubs, toilets, cabinetry, fixtures, TVs, home computers, your wardrobe, and any structural improvements, would be your responsibility to replace or rebuild. That is why all owners should consider a separate condominium insurance policy.

  A condo insurance policy provides coverage for your personal belongings and all of the structural improvements to the property for victims of vandalism, theft, fire, or if your plumbing suddenly bursts.

  Another advantage and benefit of a condo insurance policy is the liability aspect. Let’s say, for instance, that someone slips and falls at your house, your new puppy gets loose and bites a neighbor, or you accidentally start a fire that spreads to your current neighbor’s unit. In these scenarios, you could face lawsuits or be accountable for replacing a new neighbor’s personal property. For these reasons, the liability portion of your condo insurance policy offers essential protection against these financial risks.

  Other questions we commonly get asked are, can I determine what policy I need? As well as how much coverage I should receive. To answer this question, we’d first look at the current king policy. Next, we’ll use our industry insights to help you estimate what it will cost to rebuild the kitchen, the bathrooms, and the opposite fixtures contained in the condo, and eventually, we might ask you to answer this simple question, the volume of should it cost to switch everything in your home if it has been all destroyed or stolen? After considering all three of these aspects, we’ll have a good idea of the coverage levels needed.

  Next, you’ll want to know the difference between extended replacement cost and actual monetary value for one’s property with comprehensive replacement cost coverage. This means your policy would provide you with the present amount of an item you must replace after a disaster. Without extended replacement coverage, chances are you’ll quickly be paid on the dollar value of whatever the older or used item is taken into account after depreciation. So, let’s say you acquired a brand new couch four years ago for $1800; without extended replacement coverage set up, you’d only receive what the sofa is worth today, which could be far less than the original asking price of $1800. It’s similar to getting the eBay or Craigslist price on your items; we all know that’s not much.

  We hope this information has helped remove any misconceptions you may have had regarding condominium insurance. If you want to learn even more, see my power condo and townhouse power video in a recent blog post at How To Insure A Condo or Townhouse and Avoid Costly Mistakes.

  Call us at 480-637-5555 to set up your Arizona or California condo or townhouse insurance policy. We also specialize and insure a lot of HOAs in Arizona, and we always look to provide excellent service to our Property Manager partners.

  Questions or need help? Call us today at 480-637-5555.

  Legal Disclaimer: This information is for educational purposes only. Always check with your insurance agent, insurance company, or your state’s Department of Insurance, as the information in this video for your state may be different.

  Topic: Condo Insurance FAQs

• How To Insure A Condo or Townhouse and Costly Avoid Mistakes

  Do I need to insure my condo since there is a Master Condo Insurance HOA Policy, and I pay monthly HOA dues?   The answer is maybe!

  

  What are the basic types of HOA Master Policies, and how do you best insure your unit with each type? Before we start, let me say that it is essential that you read your CC&Rs (Convents, Conditions, and Restrictions) that you got when you bought your condo/townhouse. It will clearly explain the definition of a unit, what you, as the unit owner, are responsible for, and what the HOA is responsible for. In addition, make sure to get in writing from the property manager if there have been any letters sent out describing any insurance changes in the CC&Rs. There are many times when the CC&Rs are sold old that the property managers will consult the HOA’s legal counsel for an opinion on what the requirements of the HOA Master Policy should be. Bottom line; do not assume what coverage you need because if there is a loss, rest assured it may not be in the HOA’s best interest to put in a claim against their policy!

  Common Area, Only Policy, Sometimes Called A Planned Urban Development (PUD)

  • There is liability coverage only for the common areas (public areas around your HOA like streets, pool areas, and parks…) There may be some building coverage for a standard structure like a pool house and restrooms.
  • You will need an insurance policy that provides complete structure coverage for the inside of your unit, liability coverage, and personal property coverage. There are many industry terms for the different types of policies depending on if you are going through a broker or a company like Farmers, State Farm, and Allstate… which have their unique name for the procedure. The key is to ask for Building Coverage.
  • Now the question is how much Building Coverage? You can ask the agent, but I would recommend asking some contractors (specializing in condo rebuilds) what the going rate per square foot is to rebuild a condo completely. Once you have your number, multiply it by the square footage of your unit, and you have the building coverage you will need. Do not be shocked by the price because this is usually the most expensive part of the policy. Make sure to add any garage, roof, or AC units you are responsible for. The other coverages are Loss Assessment, Loss Of Use, Liability, and your personal property.

  Bare Walls Policy Master Insurance Policy

  • This usually means that the master policy covers the common area’s liability and the building structures from the unfinished walls (base sheetrock with no paint or texture) to the outside walls. This means the unit owner is responsible for covering the design from the unfinished walls inward (color, texture, flooring, fixtures, cabinets…).
  • You will need the same type of policy and coverage as you did with a Common Area Master HOA Policy. Expect the cost per square foot to rebuild will be less since the walls are covered under the master policy.
  • Remember, you may be responsible for the garage or AC unit. I have even seen where the CC&Rs require the unit owner to cover the roof.

  Comprehensive Master Insurance Policy (All Inclusive)

  • This usually means the master policy will cover common areas for liability and cover all the building structures inside and out. But be careful here! This may mean that the Master Policy will rebuild the unit back to the manufacturer’s specifications (the way the builder originally built the unit), and any upgrades or improvements would not be covered. If this is the case, you will see those unit owners are responsible for betterments and improvements. Then again, some policies will also include the betterments and improvements. Read the CC&Rs and contact the property manager.
  • You will need the same type of policy and coverage as you did with a Common Area Master HOA Insurance Policy. Expect your building property coverage to maybe $0 if the master policy covers betterments and improvements. Otherwise, you will need to figure out how much building property coverage you will need to replace any betterments and improvements by previous owners since the unit was built. For example, flooring, cabinet upgrades, granite counters, bath fixtures…  Any good contractor can help you out with this.

  Loss Assessment Coverage – DO NOT OVERLOOK IT!

  • This is a standard coverage that can save you significant time! Many HOAs are starting to carry higher deductibles, between $5,000 – $25,000, to keep insurance costs affordable. In the event of a loss that a unit owner is responsible for, and the master insurance policy covers it, the owner may be assessed the deductible by the HOA. When this happens, the Loss Assessment coverage will provide coverage for the unit owner to cover the deductible if their policy includes the coverage. Not all condo policies with Loss Assessment have this feature, so ask the agent (email them, so you have it in writing) if this feature is in their Loss Assessment Coverage. If they do not offer it, do yourself a favor and find a new policy that does provide the coverage.

  Liability Coverage – IT IS YOUR BEST FRIEND!

  • When it comes to a condo/townhouse insurance policy, buy as much liability as you can get, DO NOT BE CHEAP! If you cause a loss, the Master Policy may pay for the claim, but their insurance company may subrogate (come after) you for their out-of-pocket costs. Your liability coverage is what will afford you protection. It could be as simple as a water heater leaking down three floors. Can you imagine the cost? Been there and done it! The good news is the difference between $100,000 and $1,000,000 may only be $50 a year and is the best investment you can make.

  Questions or need help? Call us today at 480-637-5555.

  Legal Disclaimer: Always check with your insurance agent, an insurance company, or the department of insurance for your state, as the information in this video for your state may be different.

Mobile Home Insurance

• What Is Mobile Home Insurance Policy

  Questions or need help? Call us today at 480-637-5555.

  Legal Disclaimer: This information is for educational purposes only. Always check with your insurance agent, insurance company, or your state’s Department of Insurance, as the information in this video for your state may be different.