Arizona has extreme weather, from summer monsoons to extreme heat, which can cause wear and tear on your home. Wilson Insurance has been helping families since 1987. Whether you’re in metro Phoenix or Tucson, Wilson Insurance has your back.
We work with Acuity, Aegis, American Modern, Auto-Owners, Chubb, Foremost, National General, and Safeco.
Together we can find solutions to address your insurance coverage and budget requirements
We don’t want you to pay more than you should either. We will steer you towards savings.
We have been helping Arizonans for almost 40 years. We are your local insurance advocates.
Includes your roof, walls, flooring, heating, and air conditioning
Helps cover your belongings like furniture, clothing, and jewelry
Provides legal defense and other costs you are liable for if you are named in a liability claim or lawsuit
Protects against damage to service lines on your property
Protects against damage caused by water, septic, or sewer backup
Helps protect unattached structures such as garages, gazebos, sheds, and swimming pools
Helps cover living expenses if you can’t stay in your home as a result of a covered claim
Helps pay for a person’s medical bills if they are injured on your property on a no-fault basis
Helps cover your cost if your dwelling coverage isn’t enough to rebuild your home after a total loss
Helps cover mechanical or electrical breakdown. It can also provide coverage for ‘green upgrades’. It does not cover normal wear and tear
Ensures your valuable items are protected from being lost or stolen. This can include jewelry, fine art, golf equipment, and other high value items
Protects you against libel or slander claims
Pays for out-of-pocket expenses to help you recover from fraud
Covers you in case your keys are stolen or lost
Lowers your policy each year if you go multiple years without filing a claim
Homeowners insurance typically covers your dwelling, other structures, personal property, personal liability, med pay, and loss of use for covered causes of loss.
You should have enough coverage to rebuild your home if destroyed. With rapid inflation, the cost to rebuild your home may have doubled or tripled in the past 10 years. Your agent can help determine an accurate price per square foot for today’s market condition.
Many personal lines policies offer riders or endorsements to their policy. Where applicable, these are illustrated under the coverage section of each coverage line.
Location, age, and type of building will influence your homeowner’s premium.
Floods and earthquakes are excluded causes of loss. To protect against these exposures, a separate policy would need to be purchased.
This coverage protects you if you are responsible for damage to property or injury to others. It extends to other members of your household. If your kid accidentally breaks a neighbor’s window, it means that your policy will still respond.
If you remodel your home or dwelling, your property value may increase. This will raise the limit of insurance you need and will affect pricing. You will want to notify your agent if you have any recently completed renovations.
There are many discounts available! Each carrier has its own set of discounts which may be similar or different from another. Examples of discounts are listed on each coverage landing page.
The first step is to file a claim with Wilson Insurance or call the company’s 800 number found on the DEC page of your insurance policy. Your insurance carrier will assign your claim to an adjuster who will contact you to investigate the claim.
Certain markets have aversions to dog breeds. They may decline coverage or add debit to offset claims. Dog breeds that may be harder to insure are Akitas, Alaskan Malamutes, any wolf breeds, Chow chows, Doberman Pinschers, German Shepherds, Great Danes, Pit Bulls, Rottweilers, and Siberian Huskies.
To determine the value of your personal property, calculate what it would cost to replace your items with new ones of similar kind and quality. Then subtract the depreciation.
