Noah Stalvey Insurance Agency
Not all Homeowners Policies are the same and cover what you need:
Wind & Hail
Freezing of Plumbing
These are the perils most insurance companies will protect you from. It’s important to know what your policy covers…
Know What Your Policy Covers
Some policies cover “all perils” (as listed above) and other policies cover only “named perils”. Check with your insurance agent and find out what kind of homeowners policy you have and what kind of policy you need. Make sure you have the complete coverage you need to protect your family and your biggest investment.You should also ask your agent if you have Replacement Cost or Actual Cash Value for your home. Replacement Cost policy will replace your home, up to certain limits, if you have a total loss. Actual Cash Value means that there could be a deduction for depreciation.
Replacement Cost and Actual Cash Value can also apply to your personal property covered under the policy. Replacement Cost will allow you to replace the lost, damaged or stolen item at today’s price. Actual Cash Value may have a deduction for depreciation. Ask your insurance agent to explain to you the kind of policy you have.
The Noah Stalvey Agency of Flagstaff also offers:
Mortgage Insurance, Renters Insurance, Condominium Insurance, and Flood Insurance.