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Nov 14, 2014

When individuals search for homeowners’ insurance, it’s tempting to let their insurance agent handle all of the details. But, for those who want to have a hand in choosing their insurance policies and want to be well-informed about what their policies cover, the professionals at Summit Insurance Advisors offer these tips about what customers should do, and what they shouldn’t do.

Things That Insurance Customers Should Do:

  • Do compare policy prices at multiple companies
  • Do bundle your insurance policies if possible
  • Do complete a home inventory including any valuables you may want to specifically schedule
  • onto your policy (jewelry, fine arts, sports equipment, collectibles etc.)
  • Do buy full replacement coverage
  • Do keep in mind having an independent agent will benefit you versus going direct to a carrier. Check out our short video on why you want to choose an independent agent:

Things That Insurance Customers Shouldn’t Do:

  • Don’t rely on the purchase, appraisal or estimated sale price to determine your coverage. Always keep in mind that market value will differ from replacement cost.
  • Don’t skimp on your coverage by purchasing the policy with the lowest price
  • Don’t underestimate the value of your possession or the size and amenities of your home. A lower premium is not worth the potential of not having enough insurance.
  • Don’t throw away any current/old policy documentation until you have a new homeowners’ insurance policy.
  • Don’t lower your deductibles
  • Don’t rely solely on your agent. Do your own research so that you’re comfortable with the amount of insurance coverage you’re obtaining.
  • Always call your agent prior to putting in a claim – they can help you determine if your damage is worth putting in a claim.

If you’re concerned about your homeowners’ insurance coverage, shopping for a new policy, or just need some referrals to great and experienced lenders/realtors to help you through the home buying process the professionals at the Scottsdale or Phoenix offices of Summit Insurance Advisors can provide the information you’re seeking. Call 480-214-3544 or 866-711-5973 to speak to one of our agents today.

**The agents at Summit Insurance Advisors can review the quotes you received from other agents/carriers and help you decide if it is really worth switching or not. Summit Insurance always wants yourbusiness but we are here to makes sure you do what is best for you and not just us!


866-711-5973 (fax)

Our location:

Scottsdale office

5425 E Bell Road Suite 103
Scottsdale, Arizona 85254

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