Summit Insurance Advisors
by Michael Harbron on Oct 15, 2020
Phoenix and Scottsdale home insurance is something that shouldn’t be one of those things in the “set it and forget it” category. In fact, you should review the specific information regarding coverage and exceptions once each year to make sure that what you think is covered actually IS covered.
Now is the perfect time to ensure all your needs are covered and your policy is in order – before a catastrophe happens when you least expect it. After all, isn’t that what home insurance, business insurance, life insurance, and auto insurance in Phoenix is for?
Why You Should Take a Look
Your needs, possessions, and family change as time marches on – it’s a fact of life. The things you needed to be protected by a policy five years ago – or even one year ago – you may not need protection for now, and vice versa. This means that if you don’t regularly review your policy details for your home, auto, business, and life coverage, you may be paying for coverage you don’t need. On the flip side, you might also think something may be covered under your current policy that actually isn’t – and sadly, most people only discover this when disaster has struck and it’s much too late.
There is No Such Thing as “One Size Fits All” with Insurance
When you look through the details of your policies for auto or home insurance in Phoenix or Scottsdale, you need to make sure to pay particular attention to some specific details. When it comes to home insurance, be sure that your property is actually covered by natural disasters that are relevant to your area. For example, if you reside in an area that is deemed a flood zone, standalone insurance policies do not cover flood damage! You’ll need to add that to your policy as a separate coverage.
Concerning auto insurance in Scottsdale or Phoenix, be sure that your coverage includes medical bills resulting from auto accidents – some policies cover medical costs, but many others do not. If yours doesn’t, find out from your provider if you’re able to add it. If not, you’ll need your health insurance provider to cover that for you. It might also be the other way around, as well – some health insurance companies do not cover medical costs from auto accidents, so you’ll want to be sure if this is the case for you, that your auto insurance does.
Don’t Wait to Get Free Online Insurance Quotes to Protect Your Family These are just a couple of examples of things many people think are automatically covered by insurance in Arizona that may not be. It’s always better to be safe than sorry, so don’t wait – let us help you find free online insurance quotes from highly rated providers that really do cover everything you need. Contact us now.
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