3 Reasons You Need Home Insurance in Mesa, AZ

Home insurance protects your home in the event of unforeseen events. These events could include a number of things you never expected. At Lifetime Investments serving the Mesa, AZ area, we specialize in finding the right home insurance at the right price and protection for each client. To learn more about protecting your home with home insurance and why you need it, read on.

1. It’s the Law

If your home is under a mortgage, home insurance is required by law. This protects the asset for both you and the bank. In fact, you can’t get a mortgage without having home insurance. However, even if you don’t have a mortgage and own your home out right, it’s still a smart idea to have home insurance to avoid losing this expensive asset in the event something happens.

2. Protection

Some of the most common occurrences that home insurance covers includes any damage caused by certain weather, such as windstorms, hail, and lightning strikes. However, earthquakes and floods have their own separate policies. Theft and fire are two other events typically covered by home insurance. Other events can include cases of liability, such as a neighbor falling down the stairs and getting injured. When events like this happen, you’ll be glad you have home insurance.

3. Peace of Mind

Sleep each night knowing that your asset is protected with home insurance. If anything unforeseen were to happen, you will know that the insurance company will help. Simply submit a claim and the insurance company will work with you to make things right again.

To learn more about acquiring home insurance for your home in Mesa, AZ, contact Lifetime Investments. Our highly trained agents will answer all your questions and help you find the best policy for your needs. Call us today to protect this most precious asset. 

 

 

 

Does Auto Insurance Change As You Age?

Auto insurance is something that all people need and that you must have to drive on the road legally. That being said, the requirements and the overall coverage needs do change from time to time. So how does your auto insurance change as you age, it may be simpler to understand than you think. For those in the Mesa, AZ area, the agents with Lifetime Investments can help you determine how your coverage is going to change over the years.

The first big change comes when an insurer turns 25. After the age of 25, policy premiums do drop. This is because after the age of 25, barring any sort of traffic indiscretions, drivers are no longer considered to be part of the high-risk driving category. This means that you are going to be able to get better premiums without having to drop coverage.

Another milestone is getting married, buying a house, things like having kids, getting a degree, and so on. These are all factors that help solidify your place in the lower risk driver bracket. The lower the risk you are, the lower your premiums are going to be each month. You also get breaks on your premiums the longer you go without having any sort of traffic accidents or claims on your insurance.

Your age will continue to help lower the price of your premiums as well. The older you are, to a certain point of course, the lower your premiums are going to be. Generally, you will get breaks on premiums when you reach 35, 45, 55 and so on. This is going to help make your premiums lower so you can get better coverage than you might imagine.

For those that live in the Mesa, AZ area, the agents with Lifetime Investments can help you to determine what coverage you need and to determine what sort of incentives and breaks you can get in your premiums.