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Do you like paying your insurance premium bill each month?  I don't.  I have a young driver on my policy, we haven't had any major claims so what are we paying this for? 

You know most people pay more for their cars than they'll ever pay for the car insurance and you rarely hear people complain about that.  Why?  Well, the simple answer is they get to enjoy their ride daily.  They get to feel it, smell the leather, hear the rev of the engine and best of all, their car gets them where they want to go.

Same thing with our homes.  No one complains when they finance a home and spend hundreds of thousands of dollars over 30 years to buy the house.  But when they pay $1,000 a year for their insurance and they never have a claim, they begin to wonder why they need to have the insurance.

Unfortunately, we don't know when an accident will occur, or a kitchen fire will happen, or a hail storm, micro burst during a monsoon storm, or even a car fire on the freeway in the middle of summer.  We just don't know but when it happens to you, I guarantee you'll be so thankful you have it. 

Thousands of property owners were affected by the major hail storms in the Phoenix area last October.  I know an investor who owns five rental properties right in the impacted area and without the right kind of insurance he could've been stuck with some major repair bills but because he had the right coverage for his needs he was able to get his properties repaired to his satisfaction.  Insurance premium paid annually for the properties, about $2,200.  Claim payout for the storm damage, nearly $35,000.  It would take 16 years of paying the annual premium to pay back the amount to repair the homes.  

It's wise to compare insurance rates periodically but don't worry to much about paying your insurance premium each month.  You never know when you're going to need it and it just might save you from financial devestation.

If you think you're paying too much for your insurance feel free to call me or request a quote by clicking on this link

Author: Richard Morris

Richard Morris, an independent insurance agent in Chandler, Arizona, has been serving and helping Arizona families with all their insurance needs for over 23 years. Visit his website at to see all the ways he can help you with your insurance needs or call the office at (480) 336-2707 or toll free at (888) 907-9349. Connect with Rich on Google+ and Twitter.
Posted 2:13 AM

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