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.