A homeowners insurance policy protects you from financial losses due to fire, vandalism, burglary, storms, accidents, floods, and other incidents. Whether you live in a house, apartment, or condominium, a proper homeowners insurance policy will provide the funds you need whenever there is property damage or loss, allowing you to repair, restore, or replace your home and belongings.
By acquiring a comprehensive homeowners policy, regardless of accidents, crime, Murphy’s Law or Mother Nature, your home will be fully protected and you will be shielded from financial loss and setbacks.
Give Your Greatest Asset the Right Protection
Every year in Arizona, people pay millions in damages or even lose their homes to unpredictable events, like fires and storms. There’s no reason to pay for repairs or rebuilding out of your own pocket when homeowners insurance is available to reimburse you.
Your home is your greatest asset. You don’t want to leave it unprotected. If you are purchasing a home, you may find your lender requires homeowners insurance. We recommend it for all our clients in Phoenix who own property.
Homeowners insurance can cover catastrophic events that require complete reconstruction, as well as partial damage. Your dwelling as well as the contents inside are protected. That includes furnishings, appliances, electronics, clothing, personal belongings, sporting goods, and kids toys. Your home is protected in the event of vandalism and theft too.
As local, independent agents, we work for YOU, finding you the best possible rate for the right coverage. As authorized agents of Insurance Professionals of Arizona, we compare dozens of companies to find you the best options for home, auto, business and life insurance in many states. We're proud to work only with A-rated carriers so our clients can expect outstanding financial strength and superior claims service to help protect what they value most. And with over 6 decades of combined experience, you can count on the most informed advice and stellar service!
Arizona Homeowners Insurance Protections
A standard homeowners insurance policy will protect you in important ways.
Dwelling Coverage: This part of your homeowners policy will provide coverage for the home’s structure.
Personal Property Coverage: Your policy will also provide coverage for any personal property or household items that are stored and kept in your home. These include furniture, electronics, appliances, clothing, household goods, decorations and furnishings. Policies will have different limits on coverage amounts and additional riders may be required for expensive items like instruments, camera equipment, jewelry, etc.
Liability Coverage: This part of your policy protects you if you are responsible for someone else’s injury or property damage. This coverage extends to you as the homeowner as well. Standard liability limits are usually fairly low, and additional protection may be useful for many homeowners.
Medical Payments Coverage: If someone is injured while on your property or because your actions or negligence. It does not cover you as the homeowner or any member of your household.