A high-ownership city with a median value above five hundred thousand and a lot of households whose contents are worth more than the policy limit assumes. Contents are where Chandler quotes most often come up short.
Personal property limits are usually set as a percentage of the dwelling. That default was not written for a house with a home office in it.
Three things we check on every Chandler quote, because each one decides what a claim pays rather than whether you have one.
Most homeowners forms set personal property at a fixed share of the dwelling limit, often half. Nobody checks whether that number matches what is actually in the house. Equipment, instruments, tools and a working home office push past it quietly, and the shortfall only appears in a total loss.
Jewelry, firearms, cameras and collections carry sub-limits that are far lower than people expect, sometimes a few thousand dollars regardless of your overall coverage. Scheduling an item removes that cap and usually removes the deductible with it.
Water arriving in an hour and leaving in two is the one exposure every Valley city shares. Rising water is excluded on every homeowners and renters form sold here, so if you are in a basin or near a wash, flood is a separate purchase and it carries a waiting period.
Across 107,693 households, with an employment base that puts a working office inside a lot of them.
High enough that the default contents limit, usually a set share of the dwelling, stops matching what is actually in the house.
Two thirds own, and the renting third includes a lot of newer multi-family stock.
Written for Arizona, quoted for your address in Chandler.
Read moreWritten for Arizona, quoted for your address in Chandler.
Read moreWritten for Arizona, quoted for your address in Chandler.
Read moreWritten for Arizona, quoted for your address in Chandler.
Read moreWritten for Arizona, quoted for your address in Chandler.
Read moreTell us roughly what the contents are worth and whether anyone works from home. Both change what we recommend.
We total the contents properly rather than accept the default share.
Request a quoteCall and we will walk the contents limit with you. It takes fifteen minutes and it prevents the common disappointment.
