Flagstaff Home Insurance

Flagstaff Homeowner?

Those of us lucky enough to call Flagstaff home have a lot to consider when purchasing insurance to protect our home and our belongings.  For most of us it is the most valuable asset we have, and insuring it properly is critical.  Whether you live within the city limits of Flagstaff, or on the outskirts in Doney Park, Mountainaire or Parks, we at GE Insurance Agency have the expertise to help construct a comprehensive insurance policy for your home. 

It can be a bit overwhelming, especially for a first time Flagstaff homebuyer, to dissect and understand homeowner's insurance. Will I have enough coverage to rebuild if I fall victim to a fire?  Do I even have to rebuild? Where will I stay during reconstruction?  What if I am sued for negligence because someone was injured on my deck?  Will my insurance cover all of my property, including high value items?  These are but a few of the challenges that face homeowners.  We have the experience and resources to cover all of your bases with a cost effective insurance solution.  Take a moment to fill out the Protection Savings Form for a review.  You will be glad you did.

 

What is Homeowner's Insurance?

 

It is the type of property insurance that covers private homes. It is an insurance policy that combines various personal insurance protections, which can include losses occurring to one's home, its contents, loss of its use (additional living expenses), or loss of other personal possessions of the homeowner, as well as liability insurance for accidents that may happen at the home or at the hands of the homeowner within the policy territory. It requires that at least one of the named insureds occupies the home. The dwelling policy is similar, but used for residences which don't qualify for various reasons, such as vacancy/non-occupancy, seasonal/secondary residence, or age.

It is a multiple-line insurance, meaning that it includes both property and liability coverage, with an indivisible premium, meaning that a single premium is paid for all risks. Standard forms divide coverage into several categories, and the coverage provided is typically a percentage of Coverage A, which is coverage for the main dwelling.

Why is it so important?

In Northern Arizona, and specifically Flagstaff, the potential causes of loss are different than Phoenix. Insuring your home and belongings 100 percent to value is crucial. However, your Homeowners Insurance includes much more than just property insurance. Liability, contents, loss of use, and many other key components should be considered. Please allow us to customize this insurance to you.

GE Insurance Agency Your Flagstaff Home Insurance Expert

Whether you are blindsided by a storm or a lawsuit, thinking afterward about what you should have done before the event is for the reckless. The responsible know better. Remember, we are all just one card shuffle away the devastation of having to start over.

At GE Insurance Agency we have protected the community of Flagstaff since 2007. We are friends with the people here. We know home insurance. We also understand that what would take you 100 years to pay on an annual homeowners insurance policy, you could be liable for in a five second tragedy.

Complete the Protection Savings Form today and let the professionals at GE Insurance Agency stack the deck in your favor!