No. Your standard home insurance policy does not protect you in the event of a flood. This is a separate policy you need to purchase. To help you do that, reach out to a reputable insurance agent for help. But first, read on to learn more about flood insurance in Phoenix, AZ.
Do I Need Flood Insurance?
Yes. You need flood insurance if you live in a flood zone or even inland as flooding can occur anywhere. For example, heavy rains or abundant snowmelt could cause flooding on your property. Flooding can also be causes gradually, such as from a crack in your foundation.
I Rent So Do I Need Flood Insurance?
Yes. As a renter, you need to insure the inside of your condo or apartment. If you live in a flood area and your rental property is flooded, the items ruined will not be covered unless you have flood insurance. Flooding can also occur outside of flood zones. Some of the items covered by flood insurance include:
- Plumbing Systems
- Water Heaters
- Central Air Conditioning
- Sump Pumps
- Heat Pumps
- Kitchen Appliances
- Window Treatments
- Foundation Walls
- Anchorage Systems
- Detached Garage
- Personal Property like Clothing
When Should I Buy A Flood Insurance Policy?
Now. Don’t wait for flooding season to get your policy in Phoenix, AZ. There is a 30 day waiting period for your policy to take effect so do this well in advance.
To learn more about purchasing flood insurance, contact the team at Genesis Insurance. Our reputable, friendly agents will answer all your questions about flood insurance and help you find the right policy.
Owning a home in Phoenix, AZ is exciting. Many people move to the warm climate to retire but Phoenix also has a young and vibrant population with an average age of 34. Having the right home insurance makes your life a lot less stressful and the staff at Genesis Insurance is there to make sure that you have a friendly agent who you can trust to have your best interests in mind when recommending insurance products.
Even in a great place like Phoenix, AZ bad things can happen. When something bad happens to your home you will file a claim with your insurance carrier. Sound like fun? Probably not. But you can make it easier and quicker by taking the time to create a home inventory now and place it in a safe place where it will not be destroyed by whatever bad thing happened to your home.
An inventory is exactly what it sounds like. It is a record of all the things that you possess. People tend to accumulate lots of personal items. much more than they realize. Trying to remember them without an inventory can be very difficult especially at a stressful time like an insurance loss. Your home inventory and any backup information such as receipts and invoices will help make your claim much easier to collect on and quicker as well. You can just make a list of the items in each room and then take pictures to show the items as they were before the damage.
When you are ready to change carriers, insurance agencies or would like to have an expert eye look over your current policy, the team at Genesis Insurance in Phoenix, AZ is there to give you the kind of service you deserve. Give them a call or stop by the office for a no-obligation quote.
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.
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.
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.
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.
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.
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!
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.