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Getting Home Insurance in Mesa

Homeowners in Mesa, Ariz., should consider purchasing home insurance because it protects them from damage to their home and damage or loss of the property inside it as a result of events outside of their control. Insurance covers damage caused by fire, smoke, lightning strikes, windstorms, hail, falling objects, vandalism, theft, and more. It also typically includes liability coverage, if someone is hurt on your property and you’re found responsible, and additional living expenses if your home is too damaged to occupy and you have to temporarily move elsewhere.

However, insurance typically does not cover damage caused by floods or earthquakes. Although Arizona only receives about 13 inches of rain per year, many areas of state, such as Mesa, may still experience flooding. The Federal Emergency Management Agency (FEMA) recommends the purchase of flood insurance, which costs less than insuring your automobile.

Factors of Home Insurance Rates in Mesa, Arizona

Insurance companies consider many factors when calculating the cost of a person’s coverage. For example, your home’s proximity to a fire station or a fire hydrant can affect the price. The closer the home is to a fire station, the less time it will take for firefighters to respond to an emergency, which may reduce the chance of loss of property. Additionally, if your home is in an area that has a history of flooding, or a high crime rate, then your insurance may be more expensive.

  Robbery Burglary Larceny-theft
2010 511 2,711 11,158
2009 611 3,076 11,700
2008 656 2,866 12,603

The age and condition of your home will also affect the cost of insuring it. The newer the home, the less likely it will be to have problems with the electrical wiring or plumbing, thus making it less of a risk to insure. In some cases, insurance companies in Mesa may not insure a home that is too old or in very poor condition. Finally, your credit score and claims history may be used to determine how much you pay for home insurance.

Home Insurance in Arizona

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