4 Tips for Insuring a Vacation Home

Do you have or plan on purchasing a vacation house in the near future? If so, you will want to talk to a professional about insurance on this home. You can reach out to the expert agents at Genesis Insurance, which has been serving the greater Phoenix, AZ area for the last several years with success.

What Impacts Your Vacation Home Insurance Costs

The location is the number one factor in homeowner’s insurance costs. A dwelling that is in a desirable location will be more expensive to insure. Also, it will have a higher insurance cost if the property is in an area that is prone to earthquakes and floods, as well as a location that has a greater risk of wildfire. Such properties may mean you have to pay higher deductibles.

The type of property also determines how much your insurance will cost. This includes the building materials and the age of the property. The agent also will consider if it is a single-occupancy house, townhouse, or condominium. If a homeowner’s association maintains the property, they might offer some security, so your insurance likely will cost less. Personal condo insurance typically covers certain areas of the unit that are listed in the policy.

If you have any amenities in your vacation home, such as a hot tub or pool, it can add some degree of risk. This can lead to you paying a higher premium. Also, think about getting some additional liability protection. Though this increases the cost of insurance, it definitely makes a big difference.

Put your trust in a qualified and reliable insurance agent. If you are located in Phoenix, AZ and the surrounding areas, you can go to Genesis Insurance to discuss your options for vacation home insurance. Contact the agency today, and you will not regret it.

10 Ways to Prepare Your Home for Winter

Winter weather presents myriad hazards for homeowners. Here are ten suggestions from the Department of Energy to prepare for the season.
Be sure to contact Genesis Insurance, serving Arizona and Texas, to make sure your homeowner’s insurance is up to date.

1. Inspect Roof
Before the first major storm of the season, it is a good idea to hire a professional roofer to inspect and repair your roof.

2. Ensure the Furnace is Functioning
Schedule your heating system for regular service and replace your air filter once a month or as needed.

3. Clean Out Gutters
Prevent damage from ice blockage by cleaning leaves and debris from gutters before the cold temperatures arrive.

4. Disconnect Outside Hoses
Another easy way to prevent unwanted ice backup is to disconnect and drain outside hoses.

5. Stock Up on Salt
Stock up now on rock salt to be ready to prevent injuries on your front steps and sidewalks.

6. Add Insulation
Conserve energy and save money by insulating exterior doors and windows.

7. Protect Water System
Insulate pipes in colder parts of your house to prevent freezing.

8. Invest in a Generator
Before the electricity goes out is the best time to pick up a generator to keep important appliances running in the event of power loss.

9. Get the Chimney Cleaned
If your home has a fireplace and chimney, get it cleaned out to save energy and for fire prevention.

10. Check Fire Extinguishers and Smoke Alarms
Before lighting the fireplace and turning up the heat for the furnace, verify that your fire extinguisher and smoke alarms are in good working order.

Now that you’re winter ready, be sure to contact Genesis Insurance, serving Arizona and Texas, to update your homeowner’s insurance for winter.

3 Ways to Save Money on Home Insurance

Are you looking for ways to save money on home insurance in Arizona or Texas? You’ve certainly come to the right place. No matter how modest or lavish your home may be, purchasing a home insurance policy is most likely a highly recommended part of the process. 

Bundle Deals

One of the best ways to save on home insurance is by purchasing your home insurance, auto insurance, and other types of insurance from the same company. The vast majority of insurance companies offer very reasonable bundle deals that allow customers to save more, by purchasing multiple policies, which are often discounted and packaged together with one payment for all policies. 

Home Security

Moreover, in addition to the peace of mind resulting from purchasing a home security system, you can also save some money on your home insurance policy. Since home security systems help add an additional layer of security to your home, most home insurance companies will reward you with a discount for keeping your home safer. 

Stick with the Same Company

Although this isn’t always possible (or even advisable), sticking with the same insurance company may yield you some serious discounts over time. Unless you have major concerns about your company, try sticking it out for at least a few years to see if you receive any additional discounts for being a loyal customer. 

Overall, for residents of Arizona or Texas, Genesis Insurance is one of your most reliable options. Offering outstanding customer service and competitive prices, Genesis Insurance gladly serves an array of customers in Texas and Arizona. Call, email, or stop by the office today to find out how to start your policy and hopefully save a few bucks during the process. 

How Can Home Insurance Improve Your Resale Value?

Most people don’t think about home insurance when it comes to improving their resale value. They may think it makes far more sense to redo their bathroom or kitchen in order to spark that bidding war they fantasize about. But homeowners insurance in Phoenix, AZ is an excellent way to cover your bases when it comes to taking care of your Arizona home. 

Taking Care of Business 

When something happens to your home, it’s always recommended that you get it taken care of as quickly as possible. The more time that passes, the more likely it is to balloon into something far more expensive. For example, a small patch of water damage can spread quickly across the whole home. Genesis Insurance knows that the right home insurance can make it easier to take care of everything when it is needed. Too many homeowners wait or try to fix the problem themselves, which can severely diminish the quality of their overall home. 

In it Together 

It’s not just the state of your home that makes a difference when it comes to your resale value; it’s the state of the entire block. And while it may not seem like you have very much control over what your neighbors do, you probably have more influence than you think. By taking care of your own home, you send a message to everyone on the block (and everyone who may visit the block) that your property and neighborhood are important to you. 

If you want to be able to do more in the event of a natural or man-made disaster, give Genesis Insurance a call. We’re here to help the people of Phoenix, AZ get coverage that can sustain their homes for as long as they have them!

Is termite damage to my home covered?

Owning a home is a rewarding experience. A place to call your own means you have the freedom to build a life for yourself and your family. Unfortunately, owning a home comes with great responsibility. Homeowners insurance is in place to help handle some of the brunt of responsibility, helping with damages caused by natural disaster, theft, and more. But what happens if you have termite damage in your home?  Is this something that would be covered by home insurance?

In most cases, the answer to this question is, "no." Termites are quite common and are found in every state in the United States except in Alaska. Once a termite infestation begins in your home, the insects have the potential to create absolute havoc on the structure of your house. Unfortunately though, often insurance companies view termite damage as something that could have been prevented with proper care and maintenance. Termites can be regularly checked for if you see evidence of termite damage and can be eradicated if caught in time. In some cases, termite remediation will be covered by homeowners insurance, but not the actual damages done by the termites.  

It can be confusing to understand the ins and outs of homeowners insurance. Having a professional team like Genesis Insurance in Phoenix, AZ on your side can help with difficult questions like this. Proudly serving the residents of Arizona and the nearby state of Texas, Genesis Insurance in Phoenix, AZ is here to help with any existing or new homeowners insurance policies. Arizona and Texas residents regularly turn to our website for assistance with quotes. Using our online rating tool, customers can quickly and easily find a homeowners insurance policy that will fit their needs. Visit our website today to check it out or feel free to give us a call. Our expert team is happy to help.