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Best Homeowners Insurance Agencies in Chandler

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Adam Gettys logo
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License Verified:

License: 9655610

Arizona Department of Insurance and Financial Institutions

Adam Gettys

1825 W Chandler Blvd Suite 1, Chandler, AZ 85224
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  • Renter's Insurance

Business Description

Adam Gettys is one of State Farms' insurance agents helping the Chandler community protect their properties, including homes and condos. An LGBTQ community supporter, Gettys also guides any client in securing policies for their autos and businesses, in addition to life insurance. He has been working as an insurance professional since 2007 and started his career with State Farm in 2013. State Farm is a Fortune 500 company that also offers investment solutions, educational plans, and annuities.

License Verified:

License: 9655610

Arizona Department of Insurance and Financial Institutions

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7
Google
4.8 / 5 (102)
Yelp
4.5 / 5 (13)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
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Detail
AZ Insurance Team logo
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AZ Insurance Team

600 East Baseline Road, Tempe, AZ 85283
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  • Fire
  • Multiple Policy Types
  • Personal Property Insurance

Business Description

AZ Insurance Team is an independent insurance agency for individuals and families in the Chandler metro area. Its licensed and experienced agents offer policies for homeowners, luxury homes, secondary, condos, landlords, vacant homes, mobile homes, manufactured houses, and investment properties. It helps clients get protection for their families, medical coverage for guests following an on-property injury, additional living expenses in the event of a covered loss, and additional riders for jewelry, art, antiques, or collectibles.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Google
4.8 / 5 (95)
Facebook
4.9 / 5 (34)
Yelp
4.5 / 5 (10)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
CityScape Insurance logo
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CityScape Insurance

Phoenix, AZ
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  • Renter's Insurance
  • Multiple Policy Types
  • Personal Property Insurance

Business Description

Founded in 2013, CityScape Insurance is an insurance agency that helps individuals get homeowners insurance in the Chandler metro area. Its licensed agents offer policies covering the home's replacement value and the valuables. Common additional options include extended living expenses during major claim repairs, animal liability, and extended dwelling, valuable articles, and identity theft recovery coverage. Other coverage is available for condo owners, landlords, manufactured homes, renter's, and vacation property.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (55)
Facebook
5.0 / 5 (7)
Yelp
5.0 / 5 (3)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Clear Choice Insurance, LLC logo
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Clear Choice Insurance, LLC

20261 E Ocotillo Rd Ste 118, Queen Creek, AZ 85142
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  • Multiple Carriers
  • Personal Property Insurance
  • Homeowners

Business Description

Clear Choice Insurance, an independent insurance agency located in Queen Creek, Arizona, has provided services to the Phoenix metropolitan area since 2012. Agents advise homeowners about the different options for protecting buildings and contents from natural disasters, fires, storms, and theft. Liability policy options are available for homeowners and individuals. The company works with several insurance underwriters to match clients with the right homeowners, automotive, and life insurance coverage plans.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (6)
Yelp
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
CLI Select Agencies logo
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CLI Select Agencies

2500 N Alma School Rd, Chandler, AZ 85224
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  • Personal Property Insurance
  • Multiple Policy Types
  • Homeowners

Business Description

CLI Select Agencies, based in Chandler, Arizona, is a network of independent insurance agencies with locations in Illinois, New Mexico, Montana, Georgia, and Idaho. CLI specializes in homeowners insurance, performing replacement cost analysis on houses to determine the best policy for each client. Coverage generally includes medical expenses, personal property, and loss of use. The agency also assists residents with renters and specialty dwelling insurance. Commercial services include coverage for restaurants and general liability.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Yelp
4.0 / 5 (4)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Cota Insurance logo
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Cota Insurance

955 West Chandler Boulevard Ste 2, Chandler, AZ 85225
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  • Personal Property Insurance

Business Description

Cota Insurance is an independent agency based in Chandler that serves clients throughout the Phoenix metro area. It specializes in home insurance. The company's agents can help their clients find the best policies for their circumstances and budgets from a wealth of products offered by various insurers. Their services include explaining what's covered in the product and what isn't so that the client is fully aware of what they're paying for.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (15)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
CREST Insurance Group logo
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CREST Insurance Group

7272 E Indian School Rd Ste 375, Scottsdale, AZ 85251
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  • Personal Property Insurance
  • Homeowners

Business Description

CREST Insurance Group is an insurance agency offering homeowners insurance to customers in Chandler, Arizona, and throughout the southwest, including California, Colorado, and Nevada. The company works with a wide range of national and local insurance carriers to help clients find policies best suited to their individual needs and budgets. In addition to standard liability, damage and personal property coverage, the agency can also assist clients with flood and earthquake insurance policies as needed.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7
Facebook
5.0 / 5 (21)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Foothills Insurance Agency logo
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Foothills Insurance Agency

2490 S Gilbert Rd Ste 105, Chandler, AZ 85286
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  • Renter's Insurance
  • Personal Property Insurance
  • Multiple Policy Types
  • Homeowners

Business Description

Founded in 1994, the Foothills Insurance Agency is an independent insurance adviser to people and businesses around its base in Chandler, Arizona. It is a full-service agency that includes home insurance solutions amongst its portfolio of products. Working with its partners and clients, the agency tailors policies that ensure coverage for repairs to the home and associated buildings, like a garage or shed, as well as paying for the loss of personal property due to damage or theft.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.4
Yelp
4.0 / 5 (5)
Google
5.0 / 5 (4)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Harnish Insurance Group logo
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License Verified:

License: 1800005199

Arizona Department of Insurance and Financial Institutions

Harnish Insurance Group

2045 South Vineyard, Mesa, AZ 85210
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  • Multiple Policy Types

Business Description

Harnish Insurance Group is an insurance business that provides renters' insurance plans to help its clients become financially protected when something unfortunate happens to their personal possessions or the properties they rent. Its renters' insurance policy covers liabilities and personal possessions and takes care of the cost of repairing the damages. Additionally, Harnish Insurance Group also provides various insurance programs for homeowners and contractors in Chandler. The agency is a member of the Arizona Hispanic Chamber of Commerce and Trusted Choice.

License Verified:

License: 1800005199

Arizona Department of Insurance and Financial Institutions

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7
Google
4.0 / 5 (46)
Facebook
5.0 / 5 (25)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Leader Insurance Services logo
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Leader Insurance Services

1054 N Arizona Ave, Chandler, AZ 85225
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  • Personal Property Insurance
  • Multiple Policy Types
  • Homeowners

Business Description

Leader Insurance Services assists clients in Chandler, Arizona, seeking insurance coverage for their different needs. The company provides homeowners insurance policies to cover costs and expenses associated with loss or damage of their houses, personal belongings lost through theft or fire, liabilities, and injuries sustained by guests at the premises. Leaders Insurance Services also offers business and auto insurance to protect clients from losses resulting from unforeseen circumstances or lawsuits.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
4.9 / 5 (10)
Facebook
5.0 / 5 (5)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Michael Bott logo
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License Verified:

License: 6744463

Arizona Department of Insurance and Financial Institutions

Michael Bott

1727 N Arizona Avenue, Suite 4, Chandler, AZ 85225
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  • Renter's Insurance
  • Condos
  • Homeowners

Business Description

Michael Bott has been offering insurance solutions to clients in Chandler since 1977. As a State Farm agent, he is committed to utilizing insurance products that meet homeowners' needs, including policies for stolen valuables and structural repairs caused by disasters. Clients are protected against liabilities for bodily injuries and property damages that occurred in their property. Michael and his team assist first-time homebuyers, guide clients in creating home inventories for claims processes, and cover sick and injured house pets.

License Verified:

License: 6744463

Arizona Department of Insurance and Financial Institutions

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.0
Google
4.7 / 5 (23)
Yelp
1.0 / 5 (1)
Mooney Insurance logo
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Mooney Insurance

Chandler, AZ
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  • Renter's Insurance
  • Multiple Policy Types
  • Personal Property Insurance
  • Multiple Carriers
  • Flood

Business Description

Founded in 1995, Mooney Insurance is an insurance agency in Chandler that helps individuals and families find the right homeowner's policy to meet their needs. Its agent works to find coverage for customers' dwellings, additional structures, such as detached garages and sheds, personal property, liability, and additional living expenses. The independent insurance agent works with many carriers, including American Modern, The Hartford, Travelers, and Foremost. Other policy options are available for manufactured homes, condos, renters, and floods.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.5
Google
4.6 / 5 (34)
Facebook
4.8 / 5 (22)
Yelp
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Mr. Insurance Phoenix logo
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Mr. Insurance Phoenix

1314 W Camelback Rd, Phoenix, AZ 85013
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  • Renter's Insurance
  • Fire
  • Personal Property Insurance
  • Multiple Policy Types
  • Homeowners

Business Description

Mr. Insurance Phoenix is an independent insurance agency in Phoenix, Arizona, serving the greater Chandler metro area and the surrounding neighborhoods. The firm represents a large number of reputable insurance carriers providing a wide variety of auto insurance products and services. Its agents assist clients in matching their needs with apt coverage plans that satisfy those needs and are lenient to their pockets. The agency also offers SR-22, home, and Mexican auto insurance products.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (6)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Nate Atkins - State Farm Insurance Agent logo
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Nate Atkins - State Farm Insurance Agent

183 E Williams Field Rd Ste 111, Gilbert, AZ 85295
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  • Renter's Insurance
  • Personal Property Insurance
  • Condos

Business Description

Nate Atkins-State Farm Insurance Agent is a licensed insurance agency for State Farm serving individuals and families in the Chandler metro area. Its experienced representative uses his knowledge of homeowners insurance coverage to help clients find the required coverage that meets their needs and budget. Owner Nate Atkins is an MBA, CPCU, ChFC, CLU, and CASL. Services are available in English and Spanish.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.9 / 5 (117)
Facebook
5.0 / 5 (116)
Yelp
4.5 / 5 (12)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Parrish Insurance Agency logo
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Parrish Insurance Agency

1256 W Chandler Blvd Ste G, Chandler, AZ 85224
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  • Personal Property Insurance
  • Homeowners

Business Description

Parrish Insurance Agency is an independently owned and locally operated insurance agency assisting clients in the Chandler, Arizona, metro area with home insurance policies, typically procuring coverage for structural damage, personal injury, and various adverse circumstances. The agency serves home owners, landlords, and renters, and offers umbrella policies for clients who wish to combine multiple types of insurance. In addition to residences, Parrish Insurance Agency also insures commercial properties such as office buildings.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (9)
Facebook
5.0 / 5 (5)
Yelp
5.0 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Pickett Insurance & Financial Services logo
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Pickett Insurance & Financial Services

977 E Scorpio Pl, Chandler, AZ 85249
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  • Homeowners

Business Description

An independent insurance agency, Pickett Insurance & Financial Services helps clients find home insurance policies and serves the entire Chandler, Arizona, metro area. Regularly working with dozens of insurance providers, this agency offers clients a multitude of rates for coverage of structural damage, personal injury, personal property, and liability concerning injured guests or intruders. It allows clients to combine home and auto insurance policies into umbrella agreements and provides life and commercial insurance services as well.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.6
Google
5.0 / 5 (8)
Yelp
3.0 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
San Marcos Insurance Group logo
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San Marcos Insurance Group

584 W Chandler Blvd, Chandler, AZ 85225
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  • Multiple Policy Types
  • Homeowners

Business Description

San Marcos Insurance Group is a locally owned independent insurance agency in Chandler, Arizona, that sells home insurance. Founded in 2010 and with over 80 years of combined owner experience, San Marcos Insurance Group provides insurance for homeowners that includes coverage for regular maintenance, natural disasters, and accidents. The company shops for the right products at the best price, providing a variety of personal and commercial insurance as well as financial products.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.6
Google
4.8 / 5 (22)
Yelp
1.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Service First Insurance logo
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Service First Insurance

1820 E Ray Rd, Chandler, AZ 85225
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  • Renter's Insurance
  • Condos
  • Fire
  • Flood
  • Multiple Carriers
  • Multiple Policy Types
  • Homeowners
  • Landlords

Business Description

Created in 2007, Service First Insurance offers coverage to clients residing in Chandler and throughout surrounding metros in Arizona. It operates under the ownership and guidance of Linnea Macier, a company that has extensive marketing and underwriting experience. Service First Insurance offers a range of flexible and affordable coverage options for homeowners. Choices under its standard policy include property insurance and homeowners liability. Clients can benefit from customized plans tailored to suit their individual needs.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (5)
Yelp
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Southwind Insurance Agency logo
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Southwind Insurance Agency

2169 E Warner Rd Ste 103, Tempe, AZ 85284
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  • Renter's Insurance
  • Flood
  • Homeowners

Business Description

Southwind Insurance Agency is an independent insurance agency in Tempe, Arizona, that sells home insurance. Founded in 1987, the company offers homeowners insurance, including coverage designed specifically for landlords, condos, renters, and mobile homes, that includes protection against liability, damage or destruction of any structures on the property, theft, or vandalism. Additionally, Southwind Insurance Agency offers coverage for autos and other motor vehicles, life insurance, insurance on watercraft, and other insurance products.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.6
Google
4.0 / 5 (14)
Facebook
5.0 / 5 (11)
Yelp
4.0 / 5 (3)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Stewardship logo
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Stewardship

1094 South Gilbert Road, Gilbert, AZ 85296
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  • Multiple Policy Types

Business Description

Stewardship is an insurance agency in the Chandler metro area serving individuals and families looking for homeowner's insurance. Its licensed brokers work with clients to find a policy that fits their coverage needs, such as protection for the home's interior and exterior, the furnishings, any dwellings on the property, and such as detached garages and sheds. Additional policies are available for jewelry, art, collectibles, and antiques. Other coverage options include auto, life, and long-term care insurance.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (198)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Warburton Insurance Services, Inc. logo
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Warburton Insurance Services, Inc.

4645 S Lakeshore Dr Ste 9, Tempe, AZ 85282
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  • Renter's Insurance
  • Personal Property Insurance
  • Multiple Policy Types
  • Homeowners

Business Description

Warburton Insurance Services Inc. is a Tempe-based insurance brokerage that was founded in 1989 and serves homeowners throughout the Chandler metro area. Locally owned and operated by founder Paul Warburton, the agency works with homes, apartments, and renters to provide insurance policies that reimburse clients for personal property that is lost or destroyed in a disaster. The company's liability policies defend clients against lawsuits from third parties injured on the insured property.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7
Facebook
4.8 / 5 (13)
Google
4.4 / 5 (7)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Back to Providers

Frequently Asked Questions

Introduction

Homeowners' insurance is a type of property insurance used by private property owners to protect their home and property from a range of risks and liabilities. It is also called home insurance.

All homeowners' insurance policies cover the primary home on a property, meaning that most damage from weather, accidents, vandalism, and other events will be at least partially paid for by the insurance company. Many policies also include coverage for other structures, personal property, and some premises liability.

It is not required by law that a homeowner purchases insurance for their property. However, if you have a mortgage, the lender will usually make purchasing a homeowners' policy a mandatory part of the loan process. Since the mortgage lender is essentially selling you the home, they require you to protect the investment.

What determines the price of homeowners insurance premium?

The premium, or monthly cost, of your homeowners' insurance policy depends on several factors, including the value of your home and amount of coverage you choose. Your credit history and whether the property is in a higher risk area also play a role.

What is the difference between home warranty and homeowners insurance?

Homeowners' insurance protects your home and property from damage from events that include storms, theft, and fires. A home warranty covers repair costs for parts of your home that eventually breaks down. For example, if a fallen tree damages your roof, it's typically covered by insurance, not the warranty.

Does Geico offer homeowners insurance?

Because auto insurance is Geico's focus and where they invest the most in advertising, many people know the company only as a car insurance provider. On the contrary, Geico does offer a range homeowners' insurance policies that cover dwellings, personal property, and personal liability, among other provisions.

How long does homeowners warranty insurance last?

Home warranties vary based on the provider of the coverage, but most home warranties last for one year. Once they run out, homeowners have the option of renewing the warranty or letting it lapse. If a covered item breaks down after the warranty period is over, repair costs won't be reimbursed.

Does homeowners insurance cover water heaters?

Homeowners' insurance doesn't cover water heaters when they break down from normal wear and tear. An insurance policy may cover water damage to your home and property if it malfunctions, and if the water heater is damaged by a fire or an accident, home insurance may provide the costs to replace it.

Are RVs covered under homeowners insurance?

Usually, an RV is covered under your homeowners' insurance, but that coverage will probably be subject to several exceptions and contingencies. For example, if you want to drive your RV, you'll either need car insurance or specialized RV insurance since the risks you'll face on the road do not fall under a homeowner's policy.

Do new buyers need owner\'s title insurance on a new home?

There are unique risks that a buyer of a new home may face. For example, property claims from previous owners or liens from suppliers whom the homebuilders never paid during construction. Title insurance protects the home from these perils, and your mortgage lender may require it.

Do owner builders need home warranty insurance?

In the United States, owner builders are not required to have home warranty insurance. If you're the one who built your home, you're expected to incur the costs of repairs yourself if a structure or appliance breaks down.

Are dogs deaths covered in homeowners insurance?

Usually, the loss of a dog or other pet is not covered by your home insurance. However, many insurance providers offer riders — packages of added coverage — for pets called pet insurance. This ensures that medical costs and property damage caused by your pets are fully covered.

Are earthquakes covered in standard homeowners insurance policies?

Standard homeowners' insurance policies do not cover damage directly caused by earthquakes. Insurance will sometimes cover indirect damage, however. For example, if an earthquake causes a fire in your home, damage from the fire will be covered under a standard home insurance policy.

Are homeowners insurance and car insurance deductible?

Homeowners' insurance and car insurance premiums are not deductible as personal expenses on your taxes. However, some percentage of your premiums may be deductible as business expenses if you own a business and use your car and home for business purposes. This may vary between states.

Are homeowners insurance payouts taxable income?

If you file a claim after a burglary at your home, for example, the insurance company will assess the value of the property lost or damaged and reimburse that amount. This payout is not taxable because it's not income — it's a replacement of lost value.

How frequent should one change auto or homeowners insurance to another provider?  

If you find home and auto insurance policies that you're happy with, you may never want to switch. However, various providers offer different combinations of coverage and price, so you may want to assess all your options every few years.

What should a homeowners insurance include/cover?

A homeowners' insurance policy should cover the dwelling, personal property inside and some outside, other structures on the property, and liability. For example, it should cover medical bills if a guest sustains an injury. Not all of these coverages are included in every policy.

How much homeowners insurance should someone carry?

How much insurance you need depends on the size of your home, its age, and other unique factors. Standard insurance policies cover around 70% of the total value of your home and additional covered property. Most policies that offer premises liability include $100,000 in liability coverage.

Read all FAQs