Four important home insurance considerations to take into account

When you select a home insurance policy in Surprise, AZ, it’s essential that you take all the pertinent considerations into account. At Giles & Iten Insurance, we’re here to answer any questions you have about your insurance options.

Here are four important home insurance considerations to take into account. 

Coverage for liability expenses

Home insurance providers typically offer a variety of liability coverage options. It’s best to invest in added liability protection to ensure your assets will be adequately protected in the event of a lawsuit. 

Coverage for personal property

When you buy home insurance, it’s a good idea to have the value of your most expensive possessions appraised. This way, you can be sure that you have enough personal property coverage on your policy to cover the full value of the belongings in your home.

Homeowners with especially expensive items like high-end electronics and jewelry might need more personal property coverage than a standard policy offers. 

Coverage for outbuildings

Do you have outbuildings such as a shed or a guest cottage on your property? It would be best if you didn’t assume that your home insurance covers these outbuildings until you’ve read the fine print.

A standard home insurance policy might limit coverage to the main house alone. If you want your outbuildings to be covered, make sure you discuss this possibility with your home insurance provider. 

Home safety features

Home insurance providers typically perform home inspections before offering insurance coverage.

You might be told by an insurance provider you have to invest in some safety upgrades before you’ll be eligible for insurance coverage. For example, you might need to have repairs done on your plumbing system or have deadbolt locks installed on your doors to get home insurance coverage. 

Shopping around and getting quotes from insurance providers is important when buying home insurance in Surprise, AZ. Call us at Giles & Iten Insurance to get a quote on a policy.