When it comes to Scottsdale homeowners insurance you need to understand that all insurance policies are not created equal. You will want to make sure you are adequately covered by your insurance policy in case of an unforeseeable disaster or accident. Houses burned down, gas explosions or storms destroying homes are often seen on the television news programs. In the event that some disaster strikes you will be properly prepared and this can help limit the stress during an already stressful time. Even when you find an insurance policy that covers you properly you will not be fully protected. There are several things you can do to better secure your home in an attempt to keep burglars out.
Here are a few ways to help keep your home protected from burglaries:
- Lock your doors and windows. This is a simple idea that can deter many burglars. Unfortunately many people often neglect this and suffer from theft. When you leave your house you should lock all the doors and windows. This should also be done when you head off to bed. Remember to also secure sliding doors and windows with a security bar.
- Keep your valuables hidden. Many thieves only go after valuables if they are in view. The ease in getting to something makes it more likely for them to attempt the burglary. If you have nothing of value within sight they are more likely to move onto another target. It can be challenging, but it’s well worth the protection if you keep your flat panel televisions, stereo systems and computers out of view from any windows or doors.
- Invest in a security alarm. While any type of security alarm is helpful it’s better to install a system that alerts a third party to the intrusion.
According to the Federal Bureau of Investigation’s (FBI) Criminal Justice Information Services Division’s annual publication of the “Crime in the United States”, Americans suffered approximately $4.6 billion in lost property in 2010. The average dollar loss per burglary offense was $2.119.
While the prices are known to vary between companies and in different areas of the country, even similar policies might not have the same coverage. Generally each policy with have different coverage for your possessions. You will want to ensure your homeowners insurance policy will protect your valuables and personal items, especially if you are an affluent collector or have several high end valuables.
There are two main reasons why people get home insurance.
While many people are required to get this type of insurance as a homeowner by their mortgage lender, others simply want to protect their property and belongings. Mortgage lenders require homeowners insurance if you have a loan with them. This is to protect their investment. It’s commonplace for mortgage lenders to require you purchase a higher priced insurance policy and have them listed as the mortgagee on the policy.
In addition to covering the general structure of your house and property you will also be given some liability protection as well. This includes protection if another person is injured on your property.
With Scottsdale Homeowners Insurance you can expect a quality policy to meet your needs. In addition to covering your most prized possessions we work with you to form a single insurance program. Our clients have found it’s easier when combining your different insurance policies into one policy.
To ensure your family is protected fully, please contact us for a free insurance policy quote
If you have questions about your Scottsdale Home Insurance Policy please give us a call!
Scottsdale Insurance Home(480) 712-0400
20875 N Pima Rd # C4 Scottsdale, AZ 85255