Premier Choice Insurance is an independent agency which works with multiple top rated insurers to secure its clients the coverage at the best possible cost. Their dedication to client success and satisfaction can be seen through their involvement with local community events and charities.
PremierChoice’s Disease/Sickness and Accident PPO Plans provide first dollar payments for medical services without needing to meet an annual deductible first.
Coverage A – Dwelling
Dwelling coverage is the part of homeowners or condo insurance that pays to reconstruct your home if it’s damaged by an insured event, like fire. This typically covers not only the house itself but also any attached structures like garages and porches – additional structures like sheds or fences will likely fall under separate parts of your policy.
Premier Choice provides optional dwelling coverage add-ons that can help offset rising labor and material costs post disaster, significantly increasing your available funds to rebuild. These add-ons could make all the difference.
Dwelling policies don’t usually cover damage from floods, earthquakes, sewer backups or pest infestation. Premier Choice adds this protection at no additional cost – in addition to your standard “Coverage A – Dwelling” limit in your homeowners or condo policy.
Coverage B – Personal Property
Premier Choice Insurance takes personal property coverage one step further than standard homeowners policies, replacing personal belongings that fall within their Coverage A limit with new belongings of similar kind and quality – for example, giving you access to an entire kitchen set instead of just replacing a stove!
Premier Choice provides an increased limit of $10,000 on standard policies to cover losses caused by theft of jewelry, cash, firearms or other valuables. Furthermore, Premier Choice covers debris removal costs should your home be destroyed due to an insured event.
Premier Choice Insurance Agency is an independent agency with access to multiple renowned carriers, giving them the flexibility to offer clients premium options and customized coverage with cost savings opportunities through bundling or discounts.
Coverage C – Business Property
Premier Choice Insurance takes great pride in understanding their clients’ unique risks and financial considerations, crafting policies to match each of their individual requirements rather than providing generic options from an off-the-shelf package.
Premier Choice provides protection for personal property used for business on residence premises (for instance file cabinets and office furniture). They also double coverage limits for trees, shrubs and plantings on the property; watercraft and trailers stored there may also be covered.
Other advantages of working with a broker include their ability to bundle policies, identify discounts, and educate and empower clients about complex insurance topics such as explaining differences between home and business policies and protecting valuable items – helping clients make informed decisions regarding protecting their assets.
Coverage D – Liability
Premier Choice provides coverage that allows for the replacement of stolen personal belongings with similar ones of equal kind and quality. In addition, this coverage doubles your coverage on jewelry, furs and manuscripts, stamp or coin collections and personal computers.
Premier Choice provides additional living expenses coverage up to 20% of Coverage A limit in case of a covered loss, such as hotel stays while your home is repaired, plus extra food and transportation expenses.
Mike Robertson attributes Premier Choice Insurance’s success to their client-first approach that prioritizes open communication and customized insurance solutions for each individual client. Their holistic business philosophy also involves deep involvement in Mesa community events as well as local non-profit efforts supported by Premier Choice Insurance; such dedication has earned Premier Choice Insurance the respect of both their clients and peers alike.
Coverage E – Additional Rebuilding Expenses
Premier Choice Insurance of Mesa, Arizona has long been recognized as a reliable partner among business owners in Mesa and beyond. They understand the need for tailored policies to match both operational risks and financial considerations of running a company.
Premier Choice’s additional rebuilding expense coverage may cover temporary living expenses but may not cover the costs associated with upgrading your home to current building codes. Premier Choice’s policy offers exactly this feature for extra peace of mind.
Your coverage includes police charges from outside your home for responding to a burglar alarm or theft deterrent device, and first-dollar coverage under both Specified Disease/Sickness and Accident Plans with no annual deductible to meet. This provides significant advantages over typical PPO plans which require you to meet an annual deductible before receiving benefits.
Coverage F – Medical Payments to Others
Coverage F is an essential feature of home insurance that can help cover small medical costs associated with guests getting injured on your property, protecting you against costly liability lawsuits in case someone slips and injures themselves, such as when someone slips on your lawn and breaks their knee.
Premier Choice increases this coverage twofold, including more comprehensive property coverage as well as theft loss from outside your home or that of guests.
PremierChoice Specified Disease/Sickness Plans and Accident Plans provide “first dollar” benefits payments up to their respective benefit maximums without first meeting an ACA (Obamacare) deductible, making these plans more like workers compensation insurance than traditional major medical policies.
Coverage G – Loss by Theft of Money
Premier Choice Insurance takes great pride in prioritizing client needs. Offering risk assessment consultations and policy review services, as well as expert advice and tailored solutions, they strive to reduce cost while offering responsive service and comprehensive coverage plans.
This coverage reimburses you for additional mortgage expenses incurred as a result of destruction or damage to your home, as well as costs related to recreating personal data lost due to covered causes of loss.
This coverage pays a specified amount to replace or repair stolen belongings from your home, with no set limit attached. Silverware, gold ware and pewter ware coverage is extended up to $10,000 by this policy and “mysterious disappearances” like when sterling silver serving spoons find their way into trash bins during cleanup are also covered – including when serving spoons slip away without trace during routine cleanup tasks.
Coverage H – Loss of Keys
Premier Choice will reimburse up to $500 should your keys (including electronic fobs) go missing for more than 24 hours and are not recovered, offering additional peace of mind. This can provide invaluable protection.
Lock reinstallation costs are covered, as are costs associated with rekeying locks after repairs have been made to your home.
Premier Choice doubles this limit and provides coverage against mysterious disappearance. It will cover silverware, silver-plated ware, gold ware, pewterware and other precious metals up to $10,000 per item; additionally it may cover antiques, art work or collectables as well. However, please consult your insurance broker regarding specific items which require extra coverage.
Coverage I – Identity Theft
Identity theft can have devastating financial repercussions, from charges on your credit card to new credit accounts being opened in your name. Recovering from identity theft may require months and significant out-of-pocket expenses, with insurance offsetting these expenses and offering white-glove fraud resolution support services.
Premier Choice Insurance provides identity theft coverage as an add-on to a standard property policy, offering 24/7 access to an identity theft specialist who can aid in recovering from identity theft and fraud. Furthermore, credit monitoring alerts help detect unusual activity on accounts as well as offering a deductible waiver for personal belongings not covered under standard policies as well as expanding personal property coverage up to $10,000 for silver, gold, silver-plated ware and pewter ware.
Coverage J – Personal Computers
Collaboration with an insurance broker offers numerous advantages, from bundling discounts and bundle savings, to understanding complex coverage concepts and making more confident decisions regarding protecting your business.
Valuables stored in a vault or safety deposit box remain vulnerable to theft, fire, tornadoes, explosions and other covered causes of loss. Premier Choice doubles the standard coverage amount while adding its unique “mysterious disappearance” feature – such as when that sterling silver serving spoon somehow ends up in the garbage during holiday cleanup!
Identity theft is an ever-increasing threat, but Premier Choice provides comprehensive restoration services to guide victims through the recovery process at no additional cost. Premier Choice also covers damages to personal data stored on computers up to $5,000 by covering expenses to replace it.
