Friday, June 1, 2012

Not All Insurances Policies are Created Equal: Chandler AZ Homeowners Insurance Is Different

We have a tendency to buy our insurance policy as we buy most things in life, and that is by shopping around for the lowest price or best deal. After all, half of what the policy says is a mystery to us, and we just want to make sure that we are”covered.” We also want to make sure that we do not look too ignorant in the presence of the insurance company representatives. But, how covered are we? The insurance policies are written for a reason; it is to protect the company and the people who have put their faith in that company. You would be shocked by the number of people who are denied assistance because it is not spelled out in their policy.

A woman once explained her flood insurance. With a straight face and very seriously, the woman said that if the water came into the house from above, she was not covered. However if the water came in from the ground things were different; she was covered. There was a flood that year, and her house was flooded, Thank goodness the water falling from above (the rain) entered the house through the garage door making her covered. Now suppose this same person had a water heater in the attic and it went bad. Let's make it worse and have the water fall on her new computer. Where does she go for help? Nowhere. She has to figure out how to deal with it.

No one wants to be caught off guard, that is why Arizona Homeowners Insurance is the best place to start when you want real protection. Chandler Arizona Homeowners Insurance works for your best interests. They allow you to speak with them, ask questions, and then they go to work for you to find the best package and most complete coverage possible. Yes, they try to save you some money by bundling, but more importantly they help to make sure that you are fully covered no matter what happens.

This is very important for people living in Arizona where a multi-year drought has made cities like Tucson and Phoenix , hotbeds for wildfires. Just last year the Wallow fire in Arizona destroyed hundreds of business and homes. Some people were fully covered and, while they were saddened by their loss, they still had hope. Some people, on the other hand, found out that they were under-insured which meant that they had to find other means to cover what their insurance did not.

How do you really know how insured you are? Ask the Arizona Homeowners Insurance agents, they will be able to tell you. The truth might be shocking, but there is an old saying that is quoted quite often and that is, “You get what you pay for;” it is so true. If you are going to pay insurance why not go to the pros and have them help you, so that, in case of a disaster, you know there is a silver lining no matter how black the cloud.

We all make mistakes along the road of life, however, one of the worst mistakes we can make is to fall for insurance companies that look like they offer the world and then are only too happy to point out the clause in the policy that states “it is not covered.”

If you have questions about what is covered on your Chandler AZ Home Insurance policy please give our insurance agents in Chandler Arizona a call!

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