An emergency is a serious situation and requires preparedness. The city of Chandler, AZ takes it so seriously that they have set up a section of their website to make suggestions to the residents. Getting ready for an emergency begins in the home and there are a few simple things that every homeowner can do to make sure they are ready no matter what emergency arises. At San Marcos Insurance Group in Chandler, AZ, we have over 80 years of combined insurance experience that we share with our customers. 

In Chandler, AZ n emergency can come in the form of a heatwave, a wind storm, a flood, a power outage, or a fire. Not to mention any man-made emergencies. You need to make sure your home is prepared for any of these.

Battery backup

No matter which of these emergencies happen, losing power is a possibility. Having flashlights, battery-operated radio, extra batteries, solar lights, a generator, and portable chargers like a Halo can keep you working. You just want to make sure you can keep from sitting in the dark. A generator will make sure your food stays fresh, and you have ac which is pretty much of a necessity in Arizona. You also need to have a good size gas can so that you can run the generator. 

Water

When an emergency strikes, it may not be possible to have running water. You need to have enough bottled water to keep you hydrated for at least a few days. Filling a bathtub with water can make sure you can flush toilets. 

Food

You should have three days of food and in the event, you don’t have a generator, it should be shelf-stable food. Having a gas or charcoal grill to cook food is also very handy. A manual can opener is a necessity. 

Contact San Marcos Insurance Group in Chandler, AZ for all your home insurance needs. 

People that move to the Chandler, AZ area are going to have a lot of housing options. For many people, buying a home instead of renting is a great choice as it provides many benefits to those that want to stay for a while. As you are looking for a new home here, you also need to spend time assessing your insurance needs. In almost all situations it makes sense for someone to get a home insurance plan. 

Those with Requirements

A situation when you should get home insurance is when you want to get coverage to comply with your insurance requirements. Anyone that is going to buy a home will likely have insurance requirements set by the mortgage lender and even a home association. It is important to meet these requirements as you could face penalization if you are not able to maintain a proper policy.

Those that Want Protection

Those that do not have any home insurance requirements should still get a proper policy. When you purchase a home you are making a major investment for your future. The best way that this investment can be protected is by getting insurance for it. With this insurance, you will have the coverage you need to repair or replace your home and even receive additional protection against liability risk. 

Those that live in the Chandler, AZ area need to make sure that they get proper home insurance for their property. When you are looking for a new plan, it would be wise to contact the team at the San Marcos Insurance Group. The team of professionals here can help by answering your questions and assessing your risks. They can then help you to build a policy that offers the ideal coverage for your situation. 

The Chandler, AZ area is a very popular place for anyone to move to or visit. People continue to be drawn to this community due to the great weather and access to many local amenities. This can make it a great place if you want to be a property owner. If you are interested in purchasing a new home in this area, you should make sure that you get a proper insurance plan. There are several reasons why this insurance protection should be considered a necessity.

Insurance Offers Valuable Coverage

The main reason that you should consider home insurance to be a necessity is that it can offer you very valuable coverage. A quality home insurance policy will give you coverage to repair or replace your dwelling, replace your personal items, and even liability coverage. In a situation where there is a fire, theft, or other forms of loss, this coverage will prove to be very valuable.

Coverage is Required for Many

A home insurance policy is also necessary because it is required for many Chandler property owners. Many people here are required by mortgage lenders to carry home insurance as it will offer protection for the bank’s collateral. Additionally, if you live in a home association, there will be bylaws that will cover your need to carry home insurance. 

Owning a home will provide a lot of benefits to people that are in the Chandler, AZ area. If you are looking to purchase a home here, you should call the team at the San Marcos Insurance Group. When you do call the team at the San Marcos Insurance Group you can get the insight you need to pick a policy that is right for your situation. This will ensure that you and your home are properly covered and protected at all times. 

The Chandler, AZ area is a community located outside of Phoenix. Property owners here have continued to benefit from the continued demand for housing, which can make owning a property a good investment. If you are going to purchase a home here, it is very important that you have it properly covered by insurance. There are several reasons why you need to make sure that your home is covered by a proper insurance plan at all times. 

Protects Investment

One of the reasons that you always need to have home insurance is that it can protect your investment. The largest purchase that most people in the Chandler area will ever make will come when they buy a home. To ensure that your asset and investments are protected, you should get a full home insurance policy. This will ensure you are covered if the property is ever seriously damaged and you need to make repairs or rebuild the home entirely. 

Ensures Compliance

Another reason that you will always need to have home insurance in Arizona is that it will ensure you remain in full compliance with your insurance requirements. Those that own a home here will likely need to take out a mortgage, which comes with specific insurance requirements. Additionally, if you live in a home association, you will be required to carry home insurance at all times. Having a proper policy will help to keep you protected and in compliance. 

Those that live in the Chandler, AZ area, and are looking for insurance for their property should call San Marcos Insurance Group. At the San Marcos Insurance Group you are going to receive support and guidance that will help you find and build a quality policy. This will ensure you are properly protected. 

Settling in your new home in Chandler, AZ is an exciting milestone. However, it comes at a cost as there are many steps involved, such as searching, negotiations, inspections, and financial preparations, which can be mind-draining.

At San Marcos Insurance Group, we know that is all worth it in the end, and that’s why we help you protect what matters to you most by buying a home insurance policy. Here are a few insurance tips to help you out.

Assess the level of risk

Before you consider buying a home insurance policy in Chandler, AZ, make sure you know the risk level to help you understand the more critical coverages. If it is a new neighborhood, you may want to know how safe it is from burglaries and other criminal activities. You also want to check the home for faults, especially if it is old, and purchase coverage for them.

Know the coverages that matter

Once you have figured out the level of risk, it is much easier to know which coverages to focus on. For instance, if your home has a swimming pool, you may want to think about adequate liability in case of accidents. If you have children and pets running around your compound, medical coverage can be a great addition to your policy.

Do enough research

A home insurance policy is a significant investment, like the home itself. Therefore, you don’t want to make a mistake of buying insurance from any insurance agency around you. Shop around and look for a certified insurance company like San Marcos Insurance Group.

Don’t just sign

Make sure you understand everything before signing the documents. Read the terms and conditions and ask questions where you don’t understand to avoid getting surprises after signing the agreement.

For all your home insurance needs, contact San Marcos Insurance Group today!

For most people in Chandler, AZ a mortgage lasts for 30 years. When the 30 years is over you may have a mortgage burning celebration. Your home is finally yours and that is a big deal. For those many years, you have paid home insurance to protect the investment that your lender has in your home. Now it is yours, do you continue to carry that protection or do you let your policy lapse? To carry or not to carry home insurance is a big decision and the experienced team at San Marcos Insurance Group can help you to make the correct choice. 

Home insurance offers some valuable protection and your home is the single largest investment most people ever make. Before you decide to save a little money by going without home insurance you need to ask yourself a few questions. If your home was destroyed by a covered hazard such as a fire, would you be able to repair or rebuild it without an insurance payment to help? If someone is injured on your property and sues you would you be able to hire an attorney and pay any judgment against you out of your pocket? Imagine how high such a judgment could be. 

Most people own a lot of things. If your home was destroyed by something like a tornado you could lose everything. Try to imagine having to replace all those things at one time, it is an overwhelming thought. How about having a place to rest your head if your home is uninhabitable? It could be for weeks or months. Would you have the money to pay for it?

Hopefully, these questions have made you think about how valuable your home insurance is to you and your financial security. Give the knowledgeable agents at San Marcos Insurance Group in Chandler, AZ a call for an appointment to discuss the benefits of home insurance. 

The agents of San Marcos Insurance Group offer Chandler, AZ residents a variety of options when it comes to home insurance. They are able to work with you to ensure that you have the amount of coverage you need to protect your home and family from financial loss in the event of an emergency.  Arizona’s high temperatures can wreak havoc on your home’s plumbing. While it’s essential to keep your plumbing in good working order, a burst pipe can happen and will wreak havoc on your home. 

Water Damage

Water damage inside your home can lead to black mold and the deterioration of the structure of your home. If a burst pipe is caught early enough, it can reduce the extent of your damage and will keep your remodeling costs low.  If the damage is minimal, you may be able to cover the cost without filing an insurance claim. When the damage is extensive, however, filing a claim may be the only way to sufficiently cover the cost of the remodel.

Repairs

Making the necessary repairs to your plumbing can be costly. It’s important to find the cause of the burst pipe so you can repair everything that may be damaged or broken. It is in your best interest to hire a plumbing contractor to come in and thoroughly inspect your system.

In Chandler, AZ, the agents of San Marcos Insurance Group work with their clients to ensure that they have the home insurance they need. If you are concerned about the condition of your home, have it inspected and then go over your insurance policy with your agent. It will give you the peace of mind you need!

The Chandler, AZ area is a great place for anyone to live due to the warm weather and strong local economy. If you are going to buy a home in this area, it is important that you consider your insurance needs. Having home insurance is always a good idea, but there are several situations in which it is a necessity. 

Live in Association

One situation that may require that you have home insurance is if you live in a home association. When you are in an association, the association agreements may require that you carry a full home insurance policy. This will ensure that you have the means to rebuild or repair your home in the event of an incident or cover your liability costs if you or your property cause damage in an accident.

Mortgage Rules

Most people that buy a home in Chandler also need to take out a loan to purchase the home. If you have taken out a home mortgage, the lender will likely require that you carry home insurance at all times. This will ensure that they are covered in the event that your home and their collateral is damaged or destroyed. Most lenders will also require that you escrow for your payments each month. 

If you are going to buy a home in the Chandler, AZ area, you are going to need to have home insurance in place at all times. Picking the right home insurance policy is a very big decision and because of that, you should always work with a professional. The team at San Marcos Insurance Group can help you get into a great home insurance policy. San Marcos Insurance Group will be able to review your personal situation to ensure you get the coverage that you need. 

Those who reside in Chandler, AZ may be under the belief that their standard home insurance policies keep them protected. However, San Marcos Insurance Group agents can provide additional insights that keep these homeowners from potentially making avoidable mistakes. Is the home truly ready for the winter? Let’s take a closer look at the reasons why the annual review is so important. 

Insufficient Policies

Sure, the average policy might offer the homeowner coverage against various winter-related calamities. But is it truly sufficient? Chandler, AZ residents must review their home insurance policies to make sure that they are covered against any issues that may occur. For example, the homeowner may have the necessary coverage for the property itself and leave their personal possessions exposed. 

Unique Threats

There are certain threats that the average homeowner is simply not going to be aware of. When a cold snap takes place, the plumbing in the home could be placed at risk. Water damages occur as a result of plumbing related issues and these damages are not always covered in a standard policy. Wintertime disasters can leave a home in a state of disrepair, causing homeowners to spend a great deal out of pocket to maintain a residence.

Added Liabilities

The liabilities that take place during winter are hard to prepare for without the proper assistance. Taking the time to speak with an insurance agent is everything. They can examine the standard coverage and ask the right questions about the liabilities that a homeowner might be facing. For example, any homeowner that sets up an ice skating rink on their property will need to obtain additional insurance. Otherwise, they risk facing costly litigation. 

The importance of reviewing home insurance policies before the winter arrives cannot possibly be understated. That’s what makes San Marcos Insurance Group consultation meetings so crucial. They provide insights that keep homeowners from experiencing unwanted issues over the short and long term. 

Most people know that their insurance premiums are based on the individual property and homeowner. However, it may be frustrating to learn that someone living right next door is paying a different price than you. After all, you live in the same area and may have homes appraised at approximately the same value. But there’s more to a home insurance policy that meets the eye. San Marcos Insurance Group wants everyone to have the facts. 

Multiple Factors

When you live in Chandler, AZ,  you obviously have certain things in common with your neighbors. However, you also have plenty of things that make you unique. Your insurance premium may not just cover the costs of the structure and the grounds, it may also cover your possessions too. The more valuable your things are, the higher your premium will be.

Home insurance will also cover the fixtures in the home, which is important if you’ve had anything remodeled. If you put in all new kitchen appliances, you’ll need a stronger policy in case they’re damaged. Finally, home insurance covers your lifestyle choices as well. So if you work with dangerous tools or equipment, your premium may be higher to account for property damage from accidents.

Going Over Your Policy 

It takes some effort to run through a homeowner’s insurance policy, but we can tell you that it’s worth it. If you’re wondering if you have enough coverage or if you want to know what you can do to change your premium, San Marcos Insurance Group can help. We walk you through point-by-point, so there’s no confusion. If you’re in Chandler, AZ and looking for someone you can trust, give us a call to learn how your policy can start working for you.