We will insure your home just about anywhere...

 A homeowners policy is for people who own their own home. This may be either a house or a condominium: Essentially, if you are making payments on the home with ownership as the end goal you will need homeowners insurance. This type of policy will cover both the outside of the home and all the contents of your home. It will cover the majority of natural disasters (certain disasters like earthquakes may be excluded but you may add extra coverage for that specific purpose) and will allow you to replace or rebuild damaged property. If your home is broken into by a thief and items are stolen your insurance will help replace stolen items and pay for any damage in terms of vandalism that the thief did. 

When you own a Condo or a Town Home you're usually only responsible for the inside. This is referred to as walls in coverage. What's insured are your personal items, appliances, cabinetry, and you'll also be covered from general liability should someone be injured on your property. 

Cabins can be more difficult and expensive to insure. Age, materials, and wildfire risk code used to are factors when an insurance company evaluates a risk. AZ 101 Insurance knows what company will insure it and for a fair price. 

Manufactured homes are better today than ever before. While some companies may not insure manufactured homes a lot of them will insure them in a similar manner to a regular homeowners policy. We've already done the work of finding the best ones. 

Since manufactured homes are more vulnerable to certain perils it's important to review what is, and isn't, covered in your current policy. 

 With a renter's policy, the coverage includes the inner contents of the home, apartment, or room that you are renting. This is coverage for the break-ins, the natural disasters, fires, and other circumstances that are beyond your control. Even though your landlord will have a homeowners policy on the place you are living, it does not cover your own personal items as a renter, which is why renters insurance is essential. 

Arizona is a great place to own a second home! Some people spend the winters here and others leave the city in the summer for cooler temperatures in towns like Payson, Pinetop, or Sedona. Others use their second home as a rental to generate income. 

The best way to insure your second home will depend entirely on what you're using it for. 

Every penny counts! Az 101 loves to crunch numbers and we are all about hunting down every discount you qualify for.  Saving money is a vital concern for nearly everyone in these difficult times. Because of this, it is important that you find the best possible rate for your auto and homeowners insurance policy. Luckily, it is much easier to find a great rate for insurance now than ever before. 

Green Home.

Security System.

Camera System.

Water Protective Device.

Fire Suppression Systems.

AZ 101 believes its vitally important you know what is and is not covered. A one-on-one discussion in person or over the phone, provides you with the knowledge on electing the proper endorsements when purchasing new home insurance through AZ 101.   

Jewelry.

Firearms.

Medical Payments.

Water/Sewer Backup.

Other Structure limits.

Personal Liability Limit.

Extended Dwelling Coverage.

Personal Property Replacement Cost.