Home Insurance in Chandler
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Protect Yourself and Your Home With Insurance
Chandler, Arizona, is a place of art, culture and adventure. Those who live in Chandler are likely familiar with the Chandler Center for the Arts. where one can catch various performances. Those looking for an outdoor adventure might enjoy a walk in the Sonoran Desert or perhaps an early morning hot air balloon ride. No matter your choice of activity, knowing that you have the right home insurance in Chandler ensures that you are protected from the risks of home ownership.
Weather in Chandler
Summers in Chandler are sweltering and dry, with the majority of days having abundant sunshine. The average highs in the summer are close to 100 degrees. Winters in Chandler are typically mild and pleasant, with temperatures rarely dipping below freezing. Chandler is quite dry year-round. so issues from snowstorms, rain and other precipitation are not overly common. Because of this, you don't have to worry as much about having flood coverage or home insurance specifically for weather-related incidents.
Crime Rates
Unfortunately, Chandler experiences its fair share of crime. While the chances of being a victim of a violent crime in Chandler are lower than in the rest of Arizona, property crime is more common than in the rest of the state, especially when considering the number of crimes per square mile. Theft is the most prevalent property crime, so having home insurance in Chandler is crucial to protect your belongings in case of theft, burglary or robbery.
Home Insurance Rates and What They Cover
The average cost of home insurance in Chandler is about $1,989 a year. This is higher than both the state and national average. This is likely due to the high crime rate. Despite the high cost, having comprehensive home insurance is one of the best ways to protect yourself in an unfortunate event. This type of insurance offers a wide range of coverage, including:
Dwelling Building
This refers to the home you live in and anything attached to it. This may include a porch, garage or deck. Other items, such as swimming pools, detached garages and permanently installed outdoor equipment, may need to be added to your policy.
Additional Buildings
Your insurance should cover additional buildings not attached to the main house. This might include a guest house, boathouse or shed.
Contents
Your contents in the home are covered with comprehensive home insurance in Chandler. This includes furniture, appliances, clothing, dishes and anything else that may need replacing after a perilous event.
Living Expenses
If your home is unliveable after a covered peril, the policy should help pay for your temporary living expenses. This might be a hotel stay, restaurant bills, laundromat charges, pet boarding or storage.
Liability
If someone gets hurt on or around your property and sues you, then your home insurance plan should cover you. For example, if your dog bites someone and they require medical care, your plan should cover their medical expenses.
It's important to carefully read over your home insurance plan to ensure you know what you are protected for and what you are not. Using VIU by HUB can help you compare plans to find the plan that best matches your needs.
Things Home Insurance May Not Cover
No home insurance policy covers everything. Some of the things that will often be excluded from a home insurance policy include:
- Valuable jewelry
- Artwork
- Identity theft
- Damage caused by earthquake or flood
Having home insurance in Chandler is critical to protecting your home and belongings. Comparing quotes through VIU by HUB can help you find the policy that works for you and fits your budget.
This information is intended for general informational purposes only and is not intended to constitute legal advice.