Wow, within the last 12 months we have seen a lot of changes in the insurance marketplace.  Insurance carriers are changing the way they do business, predominately in the coverage’s they offer and the premiums going up.  We have several carriers raise the minimum deductible they will offer on home owners insurance policies.  Some clients have had their deductibles edge up and they are not even aware of it.  Certain carriers have gone to a percentage deductible on home insurance.  Thankfully we don’t represent the carrier I am referring too but there are a lot of home owners that are going to be caught off guard if they ever file a claim and their deductible is much higher than they though.  For instance, let’s say you have a 1% deductible on a $300,000 home, your deductible would be $3000.  That is a far cry from the historical deductibles of around $500 to $1000 that most people carry. 

Rates are climbing up as well.  Insurance companies have been hit hard by natural disasters and storms.  I’m not defending them raising rates.  They need to do what they need to do to stay in business and you need to do what you need to do to make sure you are properly covered and you are getting a good price.  The best thing you can do is shop your insurance around.  It’s best if you have Insurance Professionals of Arizona do this for you.  There is no charge to you to have us give you quotes from many carriers on home and auto insurance and chances are we will give you better coverage and save you money to boot.  Call 480-981-6338 or visit