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Whether you own or rent, insuring the place you call home can help protect you financially if you suffer a loss due to fire, theft, vandalism, or other covered events. It will also cover you in the event someone is injured while on your property.
Homeowners policies differ by which losses are covered, which coverage you choose, and what type of residence you own. We can help you choose which policy is best for you. Whether it’s a comprehensive policy that cover losses such as fire, hail, smoke, falling objects, vandalism and theft of personal property, or a policy that covers only specified losses.
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AZ Insurance Team is here to help you find the right insurance for your home. Whether you’re a home or condo owner, a renter, or a landlord, AZ Insurance Team will work with you to find a home insurance policy that fits your needs. We specialize in making it easy to choose the insurance coverage that gives you the best value for the best price.
Your home insurance policy is most often made up of the specific options you choose, so how much you'll pay for your policy depends on:
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What you select. Oftentimes homeowners insurance options are priced individually, so how much you'll pay for your policy depends on what coverage you buy.
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How much you want to cover. Higher deductibles usually lower your premium price by shifting part of the loss payment to you. For example, if you had a $500 deductible, you would be responsible for paying the first $500 of the covered loss.
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Where you set your limits. You may choose to set higher limits than the recommended amount if appropriate to your situation and needs. An Umbrella insurance policy also may be appropriate for you.
Personal Liability Coverage
Protection For You and Other People
Personal Liability Coverage protects you if someone is injured or their property is damaged due to your actions, and it usually covers you worldwide.
When choosing coverage limits, factor in your income and assets to ensure you're protected if you're sued.
Relocation Cost
Additional Living Expenses
If you can’t live in your home because of a covered loss, your home insurance policy will pay additional living expenses—commonly for up to 24 months—while damage is assessed and your home is repaired or rebuilt.
Collectible Coverage
Scheduled Personal Property Coverage
If you have special possessions such as jewelry, art, antiques or collectibles you may want to talk to your agent about this additional coverage. It provides broader coverage for specific items.
Health Protection
Medical Coverage
This covers medical expenses for guests if they are injured on your property, and in certain cases covers people who are injured off of your property. It does not cover health care costs for you or other members of your household.
Item Coverage
Protection For Your Belongings
Your home is filled with furniture, clothes, electronics and other items that mean a lot to you. Personal Property Insurance helps replace these items if they are lost, stolen or destroyed as a result of a covered loss.
Protect Your Property
If You Rent Out Your Home
Landlords need landlord insurance instead of homeowners insurance.
To protect your property, create an inventory of your home and belongings, including photos or videos. Store this list somewhere other than your home.
Remember, your policy won’t cover damage from poor or deferred maintenance.
