Gilbert home insurance
Most of Gilbert went up after 1995, which means the housing stock is hitting its first roof replacement and its first major policy review at roughly the same time.
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Ask about writing home and auto together — most carriers discount both.
Prefer to send it in writing? Scroll down →Top three things to consider on a Gilbert house
- 1
Your tract roof is now old enough to matter
A concrete tile roof from the late 1990s or early 2000s still looks fine — the tile does not wear out. The underlayment beneath it does, and that is what keeps water out. Carriers ask when the underlayment was last replaced, not when the tile was laid, and across most of Gilbert the answer is that it never has been. This is the single most common reason a Gilbert quote comes back worse than the owner expected, and it is findable from an inspection report.
- 2
What the builder charged is not what a rebuild costs now
Construction costs across the East Valley moved a long way after these houses were built, and a dwelling limit set at purchase — or carried forward through years of renewals — can be well short of a current rebuild. Market value is not the figure either, because it includes the lot. Ask what per-square-foot cost the quote assumes and whether extended replacement cost can sit above it for the case where a whole street rebuilds at once.
- 3
Pools, trampolines and teen drivers all land on the same call
Gilbert skews toward families, and the three things that most affect a household policy here are a pool, a trampoline and a newly licensed driver. Many carriers require a pool fence with a self-latching gate and decline diving boards and slides outright; some decline trampolines. A teen driver changes the auto side sharply, which is the strongest practical argument for writing home and auto together rather than separately.
Monsoon wind, and the block wall that comes out of other structures
Microbursts take down carports, patio covers, pool enclosures, mature trees and long runs of block wall. Wind is covered, and the interior water damage generally is too once the wind has opened the building. The walls and the detached structures come out of other-structures coverage, which defaults to a percentage of the dwelling limit — on a Gilbert lot with a full perimeter wall, a pergola and a pool equipment enclosure, that default is frequently below what rebuilding them costs.
Flood irrigation, canals and former farmland
Gilbert was farmland, and the canals and laterals that irrigated it still run through it. Flood is excluded from every homeowners policy, and in this part of the valley the water that reaches a house comes down a street or out of a wash during a monsoon cell, often outside any mapped high-risk zone. If the lot still has flood irrigation, or sits below a canal bank, that is worth raising rather than assuming the map covers it.
Air conditioning, water heaters and the heat
Condenser units are a frequent valley claim through hail, wind and copper theft, and they are also the thing most likely to fail from age — which is maintenance rather than a claim. A water heater in a garage at 115 degrees does not last as long as the label says. Equipment breakdown coverage is an endorsement worth asking about by name here, because it responds to mechanical failure that a standard policy will not.
HOA, but not a condo
Nearly every Gilbert subdivision is a planned community under Arizona planned-community law. You own the house and the lot, the association maintains the common areas, and the association insures nothing of yours — so this is a homeowners policy, not a condo policy. Attached townhomes in and around the Heritage District can be either. The recorded declaration is what settles it, and buying the wrong form leaves the walls uninsured.
What the underwriter will ask about a Gilbert house
- Year built, square footage, and the roof type
- When the tile underlayment was last replaced — the most useful fact you can bring
- Age of the air conditioning units, the water heater and the electrical panel
- Pool or spa, and whether it has a fence with a self-latching gate
- Diving board, slide or trampoline
- Block wall length, pergolas, sheds and any other detached structure
- Whether the lot has flood irrigation or sits near a canal or lateral
- Every licensed driver in the household, if you are writing auto on the same call
You can bundle home and auto on the same call
Most carriers write home and auto together and apply a multi-policy discount to both when they do. Renters and auto bundle the same way, so you do not have to own the place to get the credit. Ask what the discount comes to on each policy before you decide, and ask to line the two renewal dates up so you review everything once a year instead of twice.
If there is a newly licensed driver in the house, the home-and-auto conversation is worth having in one call rather than two — the multi-policy credit applies to both sides, and a teen driver moves the auto premium more than anything else on the policy.
Frequently asked questions
My tile roof looks fine. Why does my insurer care about it?
Because the tile is not what keeps water out — the underlayment beneath it is, and it fails decades before the tile does. On most Gilbert houses it has never been replaced, which is why the question gets asked first.
Is my dwelling limit still right if I bought the house years ago?
Worth checking. East Valley construction costs moved a long way, and a limit carried forward through renewals can be short of a current rebuild. Ask what per-square-foot figure the quote uses.
Will my trampoline or pool stop me getting a policy?
A pool generally will not if it has a compliant barrier, though many carriers decline diving boards and slides. Some carriers decline trampolines outright. It is better to say so and be placed correctly than to have it found later.
Do I need a condo policy because I have an HOA?
No. A Gilbert subdivision HOA is a planned community — you own the house and the lot, and you need a homeowners policy. An attached townhome may be a condominium instead, which the recorded declaration will tell you.
Is it worth bundling home and auto in Gilbert?
Most carriers discount both when they are written together, and with a teen driver in the house the auto side is where the money is. Price it both ways on the same call.
Request a quote for Gilbert
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