Arizona coverage
Homeowners Insurance
Protect the roof over your head and everything under it.
What's covered
From Gilbert stucco to Prescott pines, Arizona homes carry their own set of risks. We help you build a policy that fits: the right dwelling limit, protection for what's inside, liability if things go sideways, and a place to stay if you're forced out.
- Dwelling & StructuresRebuilds your home, detached garages, block walls, casitas, and sheds at today's construction costs if they're damaged by a covered loss.
- Personal PropertyYour belongings, whether they're at home, in the car, or traveling with you. Replacement cost options available.
- Loss of UseHotel, meals, and the extra costs of living somewhere else if a covered loss makes your home uninhabitable.
- Personal LiabilityLegal defense and damages if you're found responsible for injuring someone or damaging their property, whether at home or away.
- Medical Payments to OthersCovers medical bills for a guest who gets hurt at your place, whether or not you were at fault. Handles small injuries without turning into a liability claim.
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Common questions
Homeowners Insurance FAQ
- Is homeowners insurance required in Arizona?
- Arizona doesn't legally require it, but your mortgage lender will. Even if you own the home outright, homeowners is the only practical way to protect your largest asset.
- Does homeowners insurance cover flood or wildfire?
- Standard policies cover wildfire. Fire is one of the core perils on every home policy. Flood is excluded from every standard homeowners policy and needs its own coverage, either through the NFIP or a private flood carrier. We can quote both. Flood matters more in Arizona than a lot of people expect. Monsoon storms move fast, washes fill in minutes, and homes well outside FEMA's high-risk zones still take on water every year. Ask us whether a flood policy makes sense for your address.
- Should I insure my home for market value or rebuild cost?
- Rebuild cost. Market value includes your land, and land doesn't burn down. We pull a current construction cost estimate for your zip code so you're not under- or over-insured.
- Do I need extra coverage for jewelry or firearms?
- Standard policies put low sub-limits on categories like jewelry, watches, firearms, silverware, and collectibles, especially for theft. A scheduled personal property endorsement raises those limits, broadens the covered causes of loss (including things like accidental loss), and usually costs less than people expect. If you've got a wedding ring, a gun safe, or fine art on the wall, this is worth a conversation.
- Do you write policies outside Arizona?
- We're a licensed independent agency based in Gilbert, Arizona, and we focus on Arizona residents. If you're moving to or from Arizona, contact us. We can point you to a trusted partner.