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Homeowners

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Renters

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Auto Insurance

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Home Owners Insurance

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Motorcycle Insurance

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Motorhome Insurance

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UTV/ATV Owners Insurance

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Boat Insurance

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Mobile Home Insurance

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Commercial Vehicle Insurance

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Life Insurance

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Don Milton
Licensed 1989
480-790-9192

Homeowners Insurance

Homeowners Insurance is a financial protection policy that pays a lump sum if your house is damaged or destroyed by fire, weather, theft or other disasters.

Homeowners insurance is an important purchase for home owners. There are two major reasons to buy homeowners insurance:

Protect Your Assets

Homeowners insurance covers the structure of your home and your personal property, as well as your personal legal responsibility (or liability) for injuries to others or their property while they’re on your property.

Satisfy Your Lender

We’re able to provide mortgage binders with adjustable closing dates so that you don’t end up paying for coverage before you need it. Ask about this type of binder before you go to closing. Most mortgage lenders require you to have insurance as long as you have a mortgage and to list them as the mortgagee on the policy. If you let your insurance lapse, your mortgage lender will likely have your home insured. Compared to a policy you would buy on your own, this type of policy would have a higer premium and the coverage mayl be limited to amount loaned and not to the replacement value of your home. On top of risking the replacement of your home, such a policy will require that you pay for the lender’s insurance even if you can’t renew your insurance. Ask about our vanishing deductible policies and full replacement cost coverages in addition to tying your home owners policy to your mortgage. Yes, mortgage companies may hold back more than the amount of your home insurance but doesn’t it make sense to have the peace of mind knowing that the Home Owners insurance will be paid every year in full? Seeking a new Home Owners policy when you’re in a financial bind is the worst time because insurance companies take factors such as credit worthiness into account when computing your premium.

Mobile Home Insurance

Mobile Home Insurance has similar coverages to a homeowners policy but is tailored to Mobile Home owners. It takes into account the typically smaller number of occupants which results in lower personal property coverage and lower premiums. In addition, discounts are available for low risk factors such as gated mobile home communities, upgraded foundations,  and for those living in 55+ communities. And like a regular home owners policy, discounts are available when other lines of insurance are added to the Mobile Home owners insurance portfolio.

Renters Insurance

Renters Insurance covers the personal effects of the Renter as well as liability for covered losses. Some property managers may require a Renters Policy before they will let a Renter move in. We can provide your property manager with a letter stating when your Renters Policy began with us.

Landlord Insurance

Landlords have unique needs. Like a home owner they want their house protected but there are little if any personal effects. In addition, they have unique liability requirements since they are renting to others. A Landlord’s Policy will take into acount their unique needs.

Term Life Insurance

Getting “Mortgage Protection” insurance from a lender is typically not an affordable option even when it’s available. A better way to purchase cheap term life insurance from a reputable company is to ask your insurance agent. We provide some of the cheapest term insurance  policies from the biggest companies. All are top rated  companies with billions in assets to back up their promises.

What exactly is term life insurance? It’s a policy that is purchased for a period of time (a term). The policy pays money to the named beneficiaries if the insured dies during the term. Term life insurance is intended to provide lower-cost coverage for a specific period of time, for example, 10, 20, or 30 years. There are also ROP (return of premium) term policies that have slightly higher premiums but return 100 percent of your premiums after the term period. This can be an effective vehicle for converting your term policy to an affordable permanent policy in later years by using the returned premium to offset the increased price of a policy due to age.