Coverage
Homeowners insurance in Arizona
A homeowners policy is really four things bundled together: the structure, your belongings, your liability, and somewhere to live while a claim is repaired. Most of the underinsurance we find is in the first and last of those. We check the rebuild cost rather than copying the figure from your old policy forward.
What this coverage generally includes
- Dwelling and other structures, at replacement cost
- Personal property, with scheduled items for jewellery and equipment
- Personal liability and medical payments to others
- Loss of use, so you have somewhere to stay during repairs
- Landlord and rental-property policies
- Optional water backup, service line and equipment breakdown
What we will ask you
- Year built, square footage, roof age and roof material
- Recent updates to roof, electrical, plumbing and HVAC
- Whether there is a pool, trampoline, solar or a casita
- Your mortgage lender, so the policy satisfies their requirements
Worth knowing
- Roof age and material drive both price and eligibility in Arizona more than almost anything else.
- Standard homeowners policies exclude flood. If your property needs it, we will say so and quote it separately.
- Rebuild cost is not market value and not what you paid. It is what it would cost to build again today.
Descriptions of coverage on this site are general summaries for information only. They are not an offer of insurance, not a contract, and not a guarantee of coverage or price. Only the policy issued by the insurance company determines what is covered. Coverage, availability, discounts and eligibility vary by carrier and by applicant and are subject to underwriting.
Other coverage we place
- AutoLiability, collision and comprehensive cover for the cars your household actually drives.
- CondoThe walls-in coverage your association master policy does not provide, plus your liability.
- RentersYour belongings and your liability. Inexpensive, and the one most renters skip.
- MotorcycleBikes, ATVs, UTVs and dirt bikes, including the gear and the custom parts.
- PetHelp with veterinary bills for accidents, illness and, on some plans, routine care.
- LifeTerm and permanent cover, sized to what the people who depend on you would need.
- BusinessGeneral liability, commercial property, commercial auto and workers compensation for Arizona businesses.
- Umbrella & specialtyExcess liability above your home and auto limits, plus the vehicles and risks a standard policy leaves out.
Get a quote, and a straight answer
Tell us what you have now and what you are worried about. We will compare the carriers we work with and walk you through the differences.