Seventy-three percent of homes here are owner-occupied at a median value well above the Valley average. That combination puts more of a household's net worth inside one address than almost anywhere else we write.
High ownership and high value together mean the liability limit matters as much as the dwelling limit. Most policies are built the other way round.
Three things we check on every Gilbert quote, because each one decides what a claim pays rather than whether you have one.
With ownership at 73.1 percent and a median value above half a million, the house is the balance sheet for most households here. That makes extended replacement cost worth asking about: the endorsement that pays beyond the stated limit when a regional event drives rebuild prices up at exactly the moment everyone needs a contractor.
Equity, savings and future earnings are all reachable in a liability claim. Standard limits were not set with that in mind. An umbrella sitting above the home and auto policies is usually a small fraction of what those policies already cost and is the piece most commonly missing here.
Much of this housing stock is young enough that owners have not yet been through a roof or an HVAC cycle. Sun shortens both. The first big claim is often the one that reveals whether the policy depreciates or replaces.
Across 96,363 households, grown from a farming town into one of the largest municipalities in the state.
Well above the Valley average, which puts a large share of each household's net worth inside one address.
Among the highest ownership rates in the Valley, so nearly every policy written here is a homeowners policy.
Written for Arizona, quoted for your address in Gilbert.
Read moreWritten for Arizona, quoted for your address in Gilbert.
Read moreWritten for Arizona, quoted for your address in Gilbert.
Read moreWritten for Arizona, quoted for your address in Gilbert.
Read moreWritten for Arizona, quoted for your address in Gilbert.
Read moreSend the address and tell us what the liability limits are now. In Gilbert that is usually the number worth changing.
We look at the liability side first, then the dwelling, then call.
Request a quoteCall and ask whether your liability limit matches your equity. Most do not, and it is cheap to fix.
