Table of Contents
What is homeowners insurance? Is homeowners insurance required in Arizona? How to get homeowners insurance Recommended home insurance coverage in Arizona What impacts homeowners insurance in Arizona? Homeowners insurance discounts in Arizona How to save on home and auto insurance FAQs
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What is homeowners insurance? Basic components of homeowners insurance Coverage A (Structure): Covers the cost of repairing or replacing the structure of the house. Coverage B (Additional structures): Covers the cost of repairing or replacing other structures on the property, such as fences, pools, and sheds. Coverage C (Personal property): Financial insurance against the loss or destruction of specific personal items (like electronics, furniture, jewelry, etc.). Coverage D (Other expenses): Also known as "loss of use." Pays for temporary living expenses (such as a hotel or rent) incurred as a result of losing your home partially or in its entirety. Coverage E (Personal liability): Pays for legal fees if someone is injured on your property (or by a pet or family member). Named perils Fire/lightning Riots Windstorms Water overflow or discharge (plumbing, air conditioning, and other appliances) Power surge damage Damage caused by vehicles Vandalism Theft Falling objects Explosions Is homeowners insurance required in Arizona? How to get homeowners insurance Recommended home insurance coverage in Arizona Flood insurance safeguards your home from flooding caused by a natural disaster. FEMA’s National Flood Insurance Program (FLIP) or another referral are both possible options to explore. In the event of a burst or backed-up pipe, water backup insurance can help cover the costs of water cleanup and repairs. Unless it is specifically indicated as an exclusion in your policy, an HO-5 or open perils coverage covers any risk.