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Having a safe home is the goal of many homeowners. Hazards are all around and making sure you are adequately protected is vital for your financial security. At Precision Insurance Team in Mesa, AZ, we do our best to make sure that all our customers have the best home insurance to suit their needs. 

Making Your Home 

Outdoors 

Outside your home, it needs to provide a warm welcome, and it also needs to offer you safety. This begins by making sure that your home is not obscured by tall bushes. Don’t give intruders any place to hide. Installing motion detector lights will let you see anyone who comes close to your home.  If you don’t already have a home security system, it is time to consider it. You have lots of affordable options to choose from. 

If you have children and a pool, a pool alarm and fencing are a must, with an automatic locking gate. Check local regulations regarding pool safety. 

Indoors

Keeping your home safe indoors begins by using the locks that you have on your doors and windows. This is a basic safety measure. Make sure your home is safe from fire by regularly checking if your smoke detectors are working.  Have a fire escape plan and keep a fire extinguisher handy.

Trips and falls are a danger inside and out. Don’t store things on stairs or in walkways where they can cause a fall. Avoid extension cords in any area where walking happens, and put a nonslip mat or stickers in tubs and showers. 

Keep all medication out of the reach of children and pets. Any chemicals that are poisonous should be in a locked cabinet which only adults have access to. Some plants are also poisonous. Before bringing them into your home, make sure they are safe. 

Keep Your Home Insurance Updated

Contact Precision Insurance Team to discuss your home insurance needs. We proudly serve the greater Mesa, AZ community.

When your kids start playing a musical instrument – or you do – you realize a huge asset in your home. An upright piano costs thousands of dollars, and a grand piano, tens of thousands. Even an electric guitar and a basic solid-state amplifier can cost a few hundred. None of that is trivial, and the prospect of damage to these tremendously expensive possessions, vital to happiness, can be daunting.

Precision Insurance Team, serving Mesa, AZ, can help you answer your questions about the protection your insurance offers your musical friends.

What Damage Are Covered?

A musical instrument that is covered by homeowner’s insurance can be repaired up to the limits of your homeowner’s policy. In some cases, this may mean that you are still on the hook for some repairs that are beyond the limits of your homeowner’s policy. In the case of an instrument damaged in an event like a pipe burst or a fire, the repair may have to wait until other parts of the house that are more critical to its immediate suitability for occupancy are fixed.

When Is An Instrument Not Covered?

While this is usually not the case for an acoustic piano, if you have a digital piano or a valuable electric guitar or bass, it may behoove you to purchase specific insurance for that instrument, especially if that instrument is an instrument that routinely leaves the home and is subject to the risks and difficulties of travel. Many are the stories of electric guitars that have come out of an airline’s baggage claim as if they’d come through a war zone.

Contact Us Today

Musical instruments are sometimes, but not always, covered by homeowners’ insurance. It’s wise to find out whether your policy covers it, and Precision Insurance Team’s professionals serving Mesa, AZ can help answer your questions.

Owning a home is expensive. Your property is obviously the most valuable possession in life, and you want to protect it. One of the best ways of protection is home insurance. However, about 5% of homeowners in the United States decide not to purchase it. If you are also thinking about skipping homeowners insurance, you should be aware of the potential risks you are facing:

What Are The Risks Of Not Having Home Insurance?

If you decide not to purchase home insurance or want to get rid of it, you should know about the following risks: 

• You can lose your precious personal items and possessions to burglary. Unfortunately, burglary is quite common in the United States. If someone breaks into your house and steals your personal items, your home insurance will cover their costs. However, if you do not have home insurance, you will not be compensated for your loss. 
• You will have to pay for repairs yourself if your house is damaged by a natural disaster.  If you have the right home insurance and enough coverage, your insurance company will pay for repairs and fixings in case of a natural disaster. However, if you do not, you will be left with nothing and will have to spend your own money to repair your home. 
• If someone gets injured on your property, they may sue you. One of the purposes of home insurance is to provide liability protection. Without it, you may face serious financial consequences. 

Contact Precision Insurance Team Today

If you live in Mesa, AZ or any other nearby town, and you want to buy home insurance to protect your property and belongings, feel free to contact Precision Insurance Team. We specialize in various types of insurance, and we will be glad to help you find a perfect home insurance policy based on your needs and budget. We serve clients in Mesa, AZ and other nearby communities. Feel free to call us to ask the questions you have or learn more about our policies. 

How much home insurance do you need? This is a question that many people ask, but it can be difficult to answer. The amount of coverage you need depends on a variety of factors, including the value of your home, your possessions, and your liability risk. Here we discuss some tips for determining how much home insurance you need.

Home Insurance: What You Need To Know

1. Evaluate the Value of Your Home

If you own a home, chances are it’s your most valuable asset. The amount of coverage you need should be based on the value of your home. You can use an online home value estimator to get an estimate of your home’s value.

Once you have an estimate of your home’s value, you’ll need to decide how much coverage you want. Typically, homeowners insurance covers the dwelling, or the house itself, as well as other structures on the property (like a detached garage). You can choose to insure your home for its replacement cost value or its actual cash value.

2. Consider Your Possessions

Your possessions are also covered under a homeowners insurance policy. To determine how much coverage you need, make a list of your valuable items and estimate their worth. You may want to consider getting additional coverage for particularly valuable items, like jewelry or art.

Remember that standard homeowners insurance policies have limits on the amount of coverage for certain items, like electronics or jewelry. If you have items that are worth more than the limit, you’ll need to purchase additional insurance to cover them fully.

3. Consider Your Liability Risk

In addition to insuring your home and possessions, a homeowners insurance policy from Precision Insurance Team in Mesa, AZ also provides liability coverage. This coverage protects you if someone is injured on your property or if you’re sued for damages.

To determine how much liability coverage you need, consider your assets and income. You’ll want to purchase enough coverage to protect your assets in the event that you’re sued.

Give Us A Call

These are just a few tips for determining how much home insurance you need. The Precision Insurance Team in Mesa, AZ can help you select the right amount of coverage for your needs. Contact us today to learn more.