The Gila County seat, a copper town built into steep ground, where much of the housing stock predates almost everything a modern policy assumes about a building.
Age is not a defect, but it decides which failures are sudden and which are wear, and only one of those is covered.
Three things we check on every Globe quote, because each one decides what a claim pays rather than whether you have one.
Wiring, supply lines and service panels all have working lives, and a carrier assesses them directly. Some will not write a house on certain older electrical systems at any price. Knowing what is behind your walls is worth more than shaving a few dollars off the premium.
Rain on a hillside town arrives somewhere lower in minutes rather than hours, and the creek through town carries it. Surface water and flooding are excluded from every homeowners and renters policy regardless of how quickly it happened.
Replacing original materials and detailing in kind is specialty work and a shorter list of trades can do it. Where reconstruction cost exceeds market value, and in older stock it frequently does, the dwelling limit has to follow the rebuild rather than the appraisal.
Across 2,963 households, in a county seat that has been a working town for well over a century.
Modest, across housing that ranges from early mining-era construction to recent build.
Nearly three quarters own, frequently in houses considerably older than they are.
Written for Arizona, quoted for your address in Globe.
Read moreWritten for Arizona, quoted for your address in Globe.
Read moreWritten for Arizona, quoted for your address in Globe.
Read moreWritten for Arizona, quoted for your address in Globe.
Read moreWritten for Arizona, quoted for your address in Globe.
Read moreTell us when the wiring and the plumbing were last done. Not the house, the systems.
We ask about the systems, because that is what a claim here turns on.
Request a quoteCall and tell us the age of the systems. In Globe that matters more than the age of the house.
