Call Today (480) 455-2920
Call for a Free Quote!
As your independent insurance agent working with Insurance Professionals of Arizona, My Agency will shop the insurance market for you in Chandler, Mesa, Gilbert, Phoenix, Tempe and other parts of AZ. With multiple A+ rated carriers to choose from, we will compare multiple quotes to find you the best insurance coverage at the lowest possible premium.
Our range of insurance products is very comprehensive and includes:
Protecting Arizona Families, Assets & Dreams
As your independent agent, I make finding the right insurance easier for you by shopping and comparing multiple carriers quotes to find the right coverage at the right price. I will clarify the fine print so you know exactly what you’re getting.
Home Insurance Chandler AZ
A homeowner insurance policy usually includes these coverages.
Dwelling coverage: This coverage in a homeowner’s policy will pay you in case of damage to any buildings o your property, like your garage, storage sheds and your home.
Personal property coverage: This coverage will pay you when your household items like furniture, television, refrigerator or clothing are stolen, damaged or destroyed.
Liability coverage: This protects you in case you are responsible for someone else’s injury or property damage. Liability coverage can protect in three ways: damage to the property of others, medical expenses for injuries to others, and accidents that occur elsewhere. For example, if the family dog bites a neighbor in front of another neighbor’s house, the dog owner’s homeowner policy will usually compensate the neighbor for injuries and necessary medical expenses.
The standard liability limit for most policies is fairly low, but for some additional protection may be needed, especially if the homeowner has sizable assets.
Medical payments coverage: This pays all medical bills if someone gets injured while on your property. Medical coverage also covers certain injuries such as dog bites or mishaps while children are playing on your property.
Coverages Homeowners May Not Be Aware Of
Theft Off Premises: Most policies automatically insure against the loss of personal property even if that property is not on the insured premises when lost. If one goes to the airport with several suitcases and they are stolen, this may be covered.
Additional Living Expenses: Another benefit of which many homeowners are unaware is coverage for living expenses if the covered premises is damaged and uninhabitable. Not only may the policy pay for the cost to repair the damage to the dwelling, but it may also reimburse the homeowner for the additional expenses of living elsewhere while the repairs are being made.
Talk with your agent and/or your insurance company for details.
What Can A Homeowner Do To Be Prepared?
How does someone find out what is and what is not covered? Read your policy carefully. It’s not likely to be fun reading, but the good news is that if one reads and understands his or her policy before it is needed, this knowledge may save unexpected financial losses should a problem occur. It is always best to talk with one’s insurance agent or the company that issued the policy for details. Understanding your home owners insurance policy is best handled before a claim is made.
In the case of household contents, an inventory of items room by room is important to have with information such as the date purchased, serial number, the original cost of each item and a brief description. Video tape or still photos are very helpful along with the inventory. The inventory papers should be stored in a safe place such as a safety deposit box in a bank. If the home is destroyed, the chances are the inventory paperwork and related photos or video may also be.
How Much Home Insurance Do You Need?
Your premium is dependent on many variables including type of coverage, age, size and location of residence, the make-up of the structure, credit rating and the value of your personal belongings. Each person’s situation is unique and every insurance company has their own formula for calculating the cost of a homeowner’s insurance policy.
At Richard Johnson Insurance/IPA we know you have better things to do than shop insurance. As your personal insurance agency, that’s our job. Our carriers offer discounts such as home/auto discount, alarm discount, tile roof discount, new home discount, gated community discounts and more. Let us shop our A+ rated insurance carriers for you and find the lowest rate possible for the coverage you need.
Your home is important to you. If its ever damaged or an accident happens on your property you’ll need a homeowner insurance policy from a top rated carrier that’s going to take good care of you.
Whether you live in a home, condo or apartment we can find the proper coverage at an affordable rate. Talk to one of Rick Johnson a carefully trained agent today and get the proper coverage at the best price on home insurance in Chandler and surrounding areas. At Richard Johnson Insurance/IPA we do the shopping for you.
Insurance Agency Serving Scottsdale, Chandler, Phoenix, and Tempe, AZ
When you need reliable home, auto, or life insurance coverage, Richard Johnson Insurance in Phoenix, AZ is here to help. As an independent insurance agency, we offer a variety of personal and business insurance plans you can count on for the important things in your life. We are local, family owned independent agency dedicated to serving Phoenix and surrounding areas. Our number one priority is our clients made up of our neighbors, friends and community members. We offer a full array of coverage from auto to business, health and life insurance. We are the proud to be your local insurance agent. At Richard Johnson Agency, our services include:
Car Insurance Mobile Home Insurance Commercial Vehicle Insurance
Umbrella Insurance Landlord Insurance Flood Insurance
Boat Insurance RV Insurance Snowmobile Insurance
Sand rail Insurance Golf cart Insurance Motorcycle Insurance
Business Insurance Life Insurance Term Insurance
Profession Liability Farm & Ranch Insurance All Business Insurance
While I am a Local Resident of Chandler, AZ, We happily serving clients in the following areas:
Chandler, AZ Tempe, AZ Phoenix, AZ
Scottsdale, AZ Gilbert, AZ San Tan Valley, AZ
Ocotillo, AZ Mesa, AZ Chandler Heights, AZ
Maricopa, AZ Casa Grande, AZ Apache Junction, AZ
Sun Lakes, AZ Sacaton, AZ Queen Creek, AZ
Gold Canyon, AZ Pinetop, AZ Payson, AZ
Why Choose Us?
- We make it easy to do Business with us for home ,life, auto insurance
- Professional assistance in designing a protection program for you
- Efficiency in obtaining fair, prompt settlement of your claims
- Periodic reviews of your insurance program to check for coverage gaps
- Our policy give you the option to choose coverage that’s right for you
The best compliment I have ever received was when one of my clients was asked who you are insured by? Another person looking for insurance asked them that question , And they answered “Rick”. To me it’s not just the company you are insured by but also the agent. I can help with auto insurance, homeowners insurance, business insurance and life insurance!
Give me a call at (480) 455-2920 and I’ll be happy to answer any questions you might have.
My mission is to offer Excellent Product(s) and/or Service(s), put my customer’s needs above my own and exceed your expectations. I want you to be PROUD to say “MY AGENT IS RICK!”
7 am 9pm Monday–Friday Saturday Sunday 9-7
Phoenix, Scottsdale, Chandler, Gilbert, Tempe, Scottsdale