We all purchase home insurance to keep our assets and loved ones protected, but the question "how do home insurance claims work" is disastrous. No, one wishes to claim on his or her home insurance, despite paying for it every other month–it simply means something must have terribly gone bad. 

The truth is that disasters do happen, and the last thing you want is getting back to normalcy as soon as possible, and your favorite insurance company– San Marcos Insurance Group also wants that. With that said, your insurance company should help make the process as smooth and as fast as possible.

How insurance claim work

The first and probably the most fundamental step is reporting the incident to your insurance provider, officially known as filing a home insurance claim. An adjuster will immediately be sent to your house to inspect the damage. It is he or she who will determine how much the company will reimburse you for the claim. 

Most insurance companies in Chandler, AZ, will check for the repairable damages and send technicians to do the repairs. If the house was burnt to ashes, then pure compensation will apply upon which must be granted immediately to help you organize and settle again. Some companies offer a settlement on the spot and pay for the furniture.

Note that your insurance claim adjuster plays a vital role in ensuring that you get fully compensated for all the damage and loss incurred. Therefore, having a competent insurance company like San Marcos Insurance Group will make sure that detailed questions are asked and a note-down of all damage, is done to provide a clear figure of the payment you deserve. For quotes or policy discussion visit us at Chandler, AZ or call us to schedule an appointment.

 

When shopping for home insurance in Arizona, don’t believe these myths so you can make sure you are getting proper coverage.

Myth 1: Floods Are Covered

Home insurance doesn’t cover flood damage, so you must purchase a separate flood insurance policy in addition to your home coverage.

Myth 2: My Medical Expenses Will Be Covered if Injured at Home

The medical payments portion of your home insurance will only protect guests that are hurt on your property. You will need health insurance to cover medical expenses for you and your family.

Myth 3: Premiums Will Go Up When a Claim Is Filed

A single claim in Chandler, AZ may not mean that you will face a premium increase. Multiple claims may mean you have to pay higher premiums, but it depends on the claims and your insurance agency. It’s a good idea to estimate the cost of repairs before filing a claim. If the cost of repairs is going to be less than paying your deductible, then filing a claim will just be a waste of time.

Myth 4: Home Insurance Will Cover All Your Belongings

Home insurance will cover many belongings, but it won’t cover all your valuables. There are usually limits on furs, jewelry, and artwork. An agent at San Marcos Insurance Group can help explain what is covered under your policy and get you additional coverage to protect some of your most prized possessions.

Myth 5: Coverage Is Based on the Purchase Price of Your Home

Dwelling coverage should actually be based on the replacement cost of your home. In order to calculate replacement cost, multiply the square footage by the current local construction costs.

Myth 6: Home Insurance Is Required

If you have a mortgage in Arizona, many lenders will make you have coverage. However, there isn’t a law that says you have to have home insurance coverage.  

Contact an agent at San Marcos Insurance Group, serving Chandler, AZ, to get a quote on home insurance. 

 

Are you a homeowner? Do you keep a dog as your favorite pet? Have you ever asked yourself how it affects your home insurance? Well, you may already be aware of various factors that affect your homeowner’s insurance policy quotes, but you might not have thought of your dog as one of them. However, the truth of the matter is that keeping a dog as your pet affects your home insurance quotes and in some cases, it can even prevent you from being insured.  

Believe it or not, dog bites account for approximately one-third of all the insurance payment in Chandler AZ and all over the United States. This is the primary reason why some home insurance policy providers such as San Marcos Insurance Group will discriminate against some homeowners when it comes to underwriting homeowners insurance policies.

How Does the Dog Breed Affect Your Homeowners Insurance Policy?

You need to remember the fact that your policy covers any damage caused by you or one of your family members to third parties. Your dog is considered as one of your family members, and the insurance policy may be partly liable for the cost of claims raised against you when your dog bites someone. Keep in mind that some there are certain times when your dog might get too aggressive no matter how well it is trained. Furthermore, some dog breeds tend to have strong jaws that could cause severe harm to a person if the dog is provoked.

Which Dog Breeds Are Mostly Blacklisted by Insurance Companies?

While some dog breeds will affect your home insurance policy by driving up premiums, others are entirely blacklisted, and no provider will be willing to insure you if you have such a dog breed. You may not be offered coverage if you own any of the following dog breeds:

• Chow-chows
• German shepherd
• Mastiffs
• Any wolf hybrid
• Akitas
• Rottweilers
• Pit bull-type breeds
• Dobermans

Are you a homeowner in Chandler, AZ? Contact San Marcos Insurance Group today for a customer-friendly home insurance policy.

Your home is likely one of the biggest purchases you have ever made in your life. You have put a lot of money into this investment and you want to have a lot of memories over the years in it. Because of these two key reasons, here at San Marcos Insurance Group serving Chandler, AZ, we will always recommend that you have home insurance on your home. However, you may be wondering when you should get home insurance or how long after purchasing you should get some. 

When it comes down to it, you want to have home insurance on your home as soon as you possibly can. You never know when something bad will happen to your home or what they situation may be. You do not want to play that guessing game or run the risk of not having coverage when something bad does happen. The est time to get home insurance is to get it when you purchase your home. However, if you already have a home but do not have any home insurance, you want to get it as soon as you possibly can so you can have the coverage that you need on your home. 

Home insurance is a critical component of owning a home and making sure it is protected no matter what. The last thing you want is something to happen to your biggest investment of your life. if you need to get a home insurance policy, be sure to reach out to us here at San Marcos Insurance Group, serving Chandler, AZ, today. We can work with you to make sure that you get the right amount of coverage as well as a policy that meets your budget needs as well. We can even take a look at your current policy to make sure you have the right coverage.

Chandler, AZ is a beautiful suburb of Phoenix, the Valley of the Sun.  It is a thriving city within a city that attracts people from all over the state and beyond.  If you live in Chandler, AZ or are thinking of moving there, here are three tips to help you buy home insurance for your property.

1.  Bundling

Do you have auto insurance? Boat insurance? RV insurance? If you have one or more of these kinds of policies then you can bundle your home insurance with them to get extra savings.  Insurance companies love to reward loyalty and by putting your trust in them to protect your home, your car, and your toys, they will reward you with savings.  

2.  Compare Quotes

When it comes time to purchase a new home insurance policy, it’s best to compare at least two quotes.  Don’t be impulsive when it comes to protecting your home.  All insurance policies are not equal and you need to take your time examining the details before making a decision.  

3.  Work with a Reputable Agent

It pays to work with an agent who has an excellent reputation for customer service. Their expertise really is priceless and will make the process of purchasing home insurance stress free.  They will help you understand and compare quotes from different insurance agencies and help you make the best decision for your particular home insurance needs.  On top of all that, they will also help you find ways to save money.  

Agents at San Marcos Insurance Group know home insurance like the back of their hands.  They are standing by and ready to answer all of your questions about getting home insurance in Chandler, AZ. To reach an agent at San Marcos Insurance group call 480-899-6633 today.  

Buying home insurance is a big decision, though it’s often pushed aside in favor of different questions when owners first move into their place. Much more immediate matters are usually given priority, such as moving logistics or how to fill out all the necessary paperwork to close the deal. Here are just a few tips from San Marcos Insurance Group for what to consider before buying home insurance. 

1. Neighborhood Threats 

Where you live is a big factor when it comes to buying home insurance. If you’re in Chandler, AZ, you need to understand everything from crime rates to how many major storms you get a year before you choose which clauses you want in your policy. 

2. Lifestyle Threats 

Another thing to consider is your lifestyle. Are your children particularly accident-prone? Do you often work with dangerous tools? Home insurance may be the only thing that helps in the event of a major catastrophe. 

3. Long-Term Planning 

Home insurance is meant to be a long-term investment, so you need to re-frame how you see it. It’s a major part of your personal safety and your peace of mind, and it also helps you to get a better final resale value on your home.

4. Personal Resources

When people don’t have the right home insurance, they have to rely on their own personal resources to help them. If you don’t have people who can take you in or funds you can use to get your home back in shape, you’ll want to reconsider your policy. 

5. The Right Partner 

San Marcos Insurance Group serves Chandler, AZ, and we can help you figure out what you need when it comes to a home insurance policy. Let our staff help you today when you give us a call. 

Purchasing insurance for your home is no piece of cake. It can be difficult to find the right insurance agency, pick the right plan, and feel confident about the coverage that you have. In fact, many people make devastating errors when it comes to choosing a plan.

Fortunately, you can learn from these mistakes and make better choices for yourself and your family. Here are the top mistakes that many homeowners make when purchasing home insurance:

#1 Assuming flood insurance is included

Flood insurance is not a standard part of any home insurance plan. But floods can happen nearly anywhere. Make sure you’re covered by  adding a flood insurance plan to your coverage.

#2 Assuming you have one deductible at a flat rate

In some cases, a flat rate deductible is exactly what you’ll have to pay before the insurance plan you’ve purchased will kick in. But in other, more complicated situations, your deductible may become a percentage of the coverage that you have. This means that you might end up paying a lot more than you originally thought after an accident and serious damage.

#3 Not purchasing enough insurance

Finally, it’s common for people to not realize that they need quite a bit of insurance to cover all their bases as homeowners. A recent study found that more than two-thirds of homes are underinsured, and this can lead to devastating financial losses if an accident occurs.

Get in Touch With Us at San Marcos Insurance Group

We know that searching for the perfect home insurance plan in Chandler, AZ can be a challenge, and we want to help. If you are a Chandler, AZ resident, we can help you find a plan that works for you and your family and meets all of your unique needs. Call San Marcos Insurance Group at your earliest convenience to learn more about your home insurance coverage options.

What is more exciting than turning that key in the lock of your first new home in the Chandler, AZ area?  Knowing no landlord has access to your home is an amazing feeling.  Sometimes first-time buyers can make mistakes that may jeopardize what they’ve worked for and these 5 suggestions can help new homeowners avoid costly mistakes.

1. You likely handed over most of your life savings. Don’t make the mistake of overspending on new furniture and remodeling. Make sure you know what your monthly expenses will be because they can be more than you initially expect.
2. Keep in mind that there’s no landlord to call when something breaks down, so you’ll need to be one top of home repairs. Don’t neglect small problems that can turn into much larger and costlier ones.
3. Don’t try home repairs if you’re not qualified to make them. Hire a qualified contractor to save time and money on a repair.
4. You may want to get some help with your taxes to make sure they are done correctly to maximize your refund, especially the first year.  Over the year, make sure to keep home improvement expense receipts so you can write them off at the end of the year.
5. You’re required to have home insurance, so you want to make sure you have the right home policy to fully replace your property in case of a total loss.  You also need to make sure you have adequate liability coverage for accidents.

San Marcos Insurance Group

The San Marcos Insurance Group in the Chandler, AZ area wants to make sure you have the best coverage through local insurance agents. Don’t hesitate to contact one of our agents to help answer your questions and walk you through home insurance options.

The summers in Chandler, AZ are hot and it’s not unusual for temperatures to hit the triple digits from June to August. But who wants to stay inside all summer and hide from the sun?  If you’ve decided to beat the summer heat by putting in an above ground pool in your backyard, you’ll want to consider how this effects your homeowner’s insurance policy.  

Having a backyard swimming pool is a wonderful way to spend the summer with family and friends in Chandler, AZ. However, this also means added responsibility for you the homeowner.  You will want to be sure you are covered in the event that something unexpected happens.  

Typically, pools are covered by a homeowner’s insurance policy.  However, you will want to take a few minutes to read over your insurance policy to make sure you are protected.  In many cases, what is called the "property component" of your policy includes your above ground pool.  To know for sure, give your insurance agent a call and discuss your plans to put in a new pool.  Ask if your policy covers things like a tree branch falling and ripping the lining.

As for liability, this is another area to consider.  If someone is injured in your pool and needs to go to the emergency room, you will want to make sure you are covered for situations like this.  You just can’t predict what could happen in your pool and you will want the available coverage to incur any medical or legal expenses.  

At San Marcos Insurance Group, we can help you understand how to be covered for anything that arises from owning and enjoying and above ground pool in your backyard.  To discuss this and homeowner’s insurance in general, call San Marcos Insurance Group today to speak to a friendly agent.  

 

 

 

Your home insurance premiums are a combination of a few different factors that help to set the amount that you will need to pay each month, bi-annually, or even each year depending on how you decide to pay. Your agent can explain more, and if you live in the Chandler, AZ area, the agents with San Marcos Insurance Group can tell you more.

Your home insurance premiums are first and foremost determined based on the overall value of your home. Though there are tons of other factors that go into the premium, the home value is the primary decision maker. Home depreciation is the concept that as your home ages, it is worthless and therefore you might not need as much coverage on it.

When it comes to figuring your home insurance premium, only very large depreciation is going to make a difference in the cost of premiums. Say you took out your policy in 1999, it is now 2017, and that means that 18 years have passed, this is going to amount to a great deal of depreciation and likely some deduction in your premium if you report the depreciation.

For those that took out a policy in 2015 and two years have passed, this is not likely to create much of a change in your overall monthly premium. If you are looking to reduce your premium, you want to speak with an agent about things that you can do to reduce your premium. Your agents can help you decide if adding safety features is going to help or if changing to safer building materials might help. For those that live in the Chandler, AZ area, the agents with San Marcos Insurance Group can help you find the policy that is right for you.