What Types of Coverage Are Included in Standard Home Insurance Policies? Let’s Take a Look

Every insurance policy is different and can provide certain levels of protection tailored towards the needs of the policy holder. However, there are some standard types of coverage that are included in most basic home insurance policies.

Basic Levels Of Protection

Most homeowner insurance policies will include some basic levels of protection and coverage. The main dwelling will be protected from many forms of damage and the insurance company will pay to repair the damaged dwelling. This will extend to other smaller structures on the property, like sheds and separate garages, but the level of coverage will differ.

Damage is one important aspect of insurance, but protection for personal belongings is equally important and is also included in a standard home insurance policy. The monetary value of items in the home will be covered in case of damage or theft, so it’s a good idea to keep track of valuables. Every insurance company will have a different limit on the amount covered, so it’s wise to compare the value of belongings against the level of coverage.

The third aspect of home insurance policies is liability protection. This will cover any personal injuries that are incurred on the property by people who do not live there. It may seem silly, but having protection in case of a lawsuit can go a long way to saving a family financially as attorney fees and medical bills add up.

What Is Not Included?

Although each insurance company has different policies that cover different parts of the home, almost all of them do not include one important aspect in their policies. Damage caused by floods, earthquakes and war will not be included in most standard home insurance policies and may be important depending on the geography of the area.

Another important note is that flood damage does not just apply to natural flooding in the region, but will also include water damage from broken pipes or backed up sewage lines. It’s an important distinction because many first-time home owners assume this water damage will be covered under their basic insurance policy.

The right insurance policy can be difficult to figure out for first-time home owners. There are many questions to ask about the property to determine the right policy and it’s a good idea to consult your local real estate agent to get their insight into what additions may be needed.  Give me a call for more information – J.P. Cook – 602-320-4253.

Click Here to See What Your Home is Worth

Listing types.

For Sale

For Rent

Land

Location Search Nearby

BedsAny1+2+3+4+5+6+

BathsAny1+2+3+4+5+6+

Price MinAny$50,000$100,000$150,000$200,000$250,000$300,000$350,000$400,000$450,000$500,000$600,000$700,000$800,000$900,000$1,000,000$1,100,000$1,200,000$1,300,000$1,400,000$1,500,000$1,600,000$1,800,000$1,900,000$2,000,000$2,250,000$2,500,000$2,750,000$3,000,000$3,250,000$3,500,000$3,750,000$4,000,000$4,500,000$5,000,000$6,000,000$8,000,000$10,000,000$15,000,000

Price MaxAny$50,000$100,000$150,000$200,000$250,000$300,000$350,000$400,000$450,000$500,000$600,000$700,000$800,000$900,000$1,000,000$1,100,000$1,200,000$1,300,000$1,400,000$1,500,000$1,600,000$1,800,000$1,900,000$2,000,000$2,250,000$2,500,000$2,750,000$3,000,000$3,250,000$3,500,000$3,750,000$4,000,000$4,500,000$5,000,000$6,000,000$8,000,000$10,000,000$15,000,000

Advanced Options

Property TypeAnyApartmentManufactured HomeSingle Family ResidenceTownhouseTwin Home

School District

Address, MLS# or Keyword

Home SizeAny600 ft2800 ft21,000 ft21,200 ft21,400 ft21,600 ft21,800 ft22,000 ft22,200 ft22,400 ft22,600 ft22,800 ft23,000 ft23,500 ft24,000 ft24,500 ft25,000 ft25,500 ft26,000 ft2

YearAny2024+2023+2022+2021+2020+2019+2018+2017+2016+2015+2014+2013+2012+2011+2010+2009+2008+2007+2006+2005+2004+2003+2002+2001+2000+1999+1998+1997+1996+1995+1994+1993+1992+1991+1990+1980+1970+1960+1950+1940+1930+

Distressed

Open House

Location Search Nearby

BedsAny1+2+3+4+5+6+

BathsAny1+2+3+4+5+6+

Price MinAny$500$600$700$800$900$1,000$1,100$1,200$1,300$1,500$1,600$1,700$1,800$1,900$2,000$2,250$2,500$2,750$3,000$3,250$3,500$3,750$4,000$4,500$5,000$5,500$6,000$6,500$7,000$7,500$8,000$8,500$9,000$9,500$10,000

Price MaxAny$500$600$700$800$900$1,000$1,100$1,200$1,300$1,500$1,600$1,700$1,800$1,900$2,000$2,250$2,500$2,750$3,000$3,250$3,500$3,750$4,000$4,500$5,000$5,500$6,000$6,500$7,000$7,500$8,000$8,500$9,000$9,500$10,000

Advanced Options

Property TypeAnyApartmentManufactured HomeSingle Family ResidenceTownhouseTwin Home

School District

Address, MLS# or Keyword

Home SizeAny600 ft2800 ft21,000 ft21,200 ft21,400 ft21,600 ft21,800 ft22,000 ft22,200 ft22,400 ft22,600 ft22,800 ft23,000 ft23,500 ft24,000 ft24,500 ft25,000 ft25,500 ft26,000 ft2

YearAny2024+2023+2022+2021+2020+2019+2018+2017+2016+2015+2014+2013+2012+2011+2010+2009+2008+2007+2006+2005+2004+2003+2002+2001+2000+1999+1998+1997+1996+1995+1994+1993+1992+1991+1990+1980+1970+1960+1950+1940+1930+

Location Search Nearby

Lot SizeAny1+ Acres2+ Acres3+ Acres4+ Acres5+ Acres6+ Acres7+ Acres8+ Acres9+ Acres10+ Acres20+ Acres30+ Acres40+ Acres50+ Acres

Price MinAny$50,000$100,000$150,000$200,000$250,000$300,000$350,000$400,000$450,000$500,000$600,000$700,000$800,000$900,000$1,000,000$1,100,000$1,200,000$1,300,000$1,400,000$1,500,000$1,600,000$1,800,000$1,900,000$2,000,000$2,250,000$2,500,000$2,750,000$3,000,000$3,250,000$3,500,000$3,750,000$4,000,000$4,500,000$5,000,000$6,000,000$8,000,000$10,000,000$15,000,000

Price MaxAny$50,000$100,000$150,000$200,000$250,000$300,000$350,000$400,000$450,000$500,000$600,000$700,000$800,000$900,000$1,000,000$1,100,000$1,200,000$1,300,000$1,400,000$1,500,000$1,600,000$1,800,000$1,900,000$2,000,000$2,250,000$2,500,000$2,750,000$3,000,000$3,250,000$3,500,000$3,750,000$4,000,000$4,500,000$5,000,000$6,000,000$8,000,000$10,000,000$15,000,000

Advanced Options

Neighborhood

Address, MLS# or Keyword

View As: Thumbnails List

Sort by: Select Price, Low to High Price, High to Low Newer Listings First Older Listings First Open House Date

6881 W Sonoma Way Florence, AZ 85132

$479,500

5 Beds

3.5 Baths

3,197 SqFt

Status Active

MLS # 6667097

Property Type Single Family Residence

Price Type --

Experience luxurious living in the heart of Anthem at Merrill Ranch with this exceptional 5-bedroom, 3.5-bathroom home featuring an oversized den and abundant storage space. The kitchen opens to a spacious great room adorned with granite countertops, staggered espresso cabinets, and stainless steel appliances. The master suite and office are conveniently located downstairs, while the remaining bedrooms, along with an extended game room, are situated upstairs. Natural and recessed lighting, a soft water loop, tankless water heater, and solar panels further enhance the home's appeal. Schedule a viewing today to immerse yourself in the unmatched elegance and comfort offered by this remarkable property.

View Property

33123 W Buchanan Avenue Tonopah, AZ 85354

$479,500

3 Beds

2 Baths

1,569 SqFt

Status Active

MLS # 6692225

Property Type Manufactured Home

Price Type --

HORSE LOVERS Dream! This Beautiful 3b/2b home on over 4 acres is ready for you and your horses. Pride of ownership is evident in this home with newer kitchen appliances and a split floor plan. Outside boasts a 3 car garage, private well, separate pastures with room to set up a roping or barrel racing arena. Plenty of storage in the back for Hay and other horse tack and equipment. The double entry driveway gives you plenty of room to back up your horse trailer for ease of loading and unloading horses. No need to worry about watering trees as they are set up on an outdoor water system. Did we mention your own private well!!! Close to I10 and the Buckeye Equestrian Center. Guaranteed not to disappoint!!

View Property

744 E Zesta Lane Gilbert, AZ 85297

$479,500

3 Beds

2.5 Baths

1,684 SqFt

Status Active

MLS # 6649022

Property Type Townhouse

Price Type --

Step into your sanctuary! This pristine, never-lived-in townhome beams with natural light, boasting soaring ceilings that accentuate its airy ambiance. Revel in the elegance of 3 bedrooms, each adorned with a generous walk-in closet. The primary suite boasts a luxurious double sink bathroom, while the open floor plan seamlessly connects the chic kitchen adorned with quartz countertops, backsplash, and a dazzling island to the inviting living area. Every inch exudes freshness, from the gleaming, never-used appliances to the smart home features spanning both floors. Outside, discover a charming backyard graced with artificial turf a perfect spot for BBQs and relaxation. Plus, relish the exclusive privacy of no rear neighbors.

View Property

642 W Shannon Street Chandler, AZ 85225

$479,500

3 Beds

2 Baths

1,436 SqFt

Status Active

MLS # 6656701

Property Type Single Family Residence

Price Type --

THIS HOME IS ELIGIBLE FOR A 1.75% CRA INCENTIVE*. FHA APPROVED Immerse yourself in the epitome of modern living with this 2022 renovated single-story gem in the Thunderbird Park subdivision of Chandler, AZ! Revel in the luxury of a 3-bed, 2-bath haven boasting a New AC unit, fresh two-tone interior paint, exquisite wood-like floors, mosaic tile accents, and a wealth of other upgrades- doors, door hardware, trim, nest thermostats, soft-closing kitchen cabinets, recessed lighting, matching stainless steel appliances, premium quartz countertops, and revitalized bathrooms with top-notch fixtures, washer and dryer included. Roof less than 5 yrs old, Enjoy the convenience of a 1-car garage, RV gate, and exterior LED light fixtures. Nestled minutes away from Downtown Chandler, Downtown Gilbert, Chandler and San Tan Malls, plus easy access to 202/101 and US 60 freeways, this home invites you to experience unparalleled comfort and style. Don't miss the chance to call this pristine abode your own!

View Property

17421 N Conquistador Drive Sun City West, AZ 85375

$479,500

2 Beds

2 Baths

2,306 SqFt

Status Active

MLS # 6667961

Property Type Single Family Residence

Price Type --

Just remodeled!! New Roof, flooring and paint. Come see this wonderful corner lot home that has everything you've been looking for and enjoy all of the wonderful amenities of Sun City West!! Enter into a world of charm in this open floor plan with vaulted ceilings, plush carpet, and large sliding glass doors to the air conditioned AZ room. The bright kitchen offers built-in appliances, tile counters & backsplash, a center island with a breakfast bar, and a bay window. Dual Owners suit's boasting plantation shutters in all the right windows and spacious bathrooms with dual sinks. The spacious Arizona room is perfect for unwinding! The relaxing backyard boasts an enticing pool, and a spa. Let's not forget about the solar panels that will save you money on your electricity bill

View Property

1437 W Calle De Flores -- San Tan Valley, AZ 85140

$479,199

2 Beds

2 Baths

1,645 SqFt

Status Active

MLS # 6660860

Property Type Single Family Residence

Price Type --

Up to 3% of total purchase price towards closing costs incentive offer. Additional eligibility and limited time restrictions apply. MLS#6660860 May Completion! Discover the Kaibab floor plan in the 55+ active community of Ovation at Meridian. This single-story layout boasts 1,645 sq. ft., 2 beds, 2 baths, and a 2-car garage. Part of the Adventure Series, it offers privacy with separate owner's suite and bedroom areas. The foyer leads to a spacious kitchen and gathering room, with an optional flex room that can serve as a dining area or third bedroom. Ideal for those valuing room-to-room privacy. Structural options include: upgraded square corners, 5' baseboards, 16 HVAC upgrade, 12' x 8' sliding glass door, and soft water loop.

View Property

36345 W Clarendon Avenue Tonopah, AZ 85354

New

$479,000

4 Beds

2.5 Baths

1,821 SqFt

Status Active

MLS # 6693555

Property Type Single Family Residence

Price Type --

Welcome to this stunning 4-bedroom, 2.5 bathroom residence with a 3-car garage, and horse privileges. , providing both privacy and a touch of elegance. Upon entering, you'll be greeted by an open floor plan that seamlessly integrates the living spaces. The heart of the home is the custom-made kitchen, featuring modern stainless-steel appliances, quartz countertops, and a spacious kitchen island.

View Property

9181 S Tequila Sunrise Road Hereford, AZ 85615

$479,000

4 Beds

2 Baths

1,987 SqFt

Status Active

MLS # 6604742

Property Type Single Family Residence

Price Type --

Home has had several upgrades since 2020..nice 4Br/2BA w/ NO CARPET..wood burning fireplace for those upcoming chilly nights..and it's piped for gas burner...granite counters..custom copper farm sink, high end appliances, bonus 'dry' room in garage, ideal for food storage, covered rear patio, block fenced back yard.. 40 x 42 shop, fully insulated w/half bath, office, 'safe room' free span construction. Concrete drive at shop and walkway to the house. Corner lot, NO HOA..horses welcome

View Property

2545 Timber Ridge Lane Pinetop, AZ 85935

$479,000

3 Beds

2.5 Baths

1,677 SqFt

Status Active

MLS # 6669272

Property Type Single Family Residence

Price Type --

What a beautiful and rare find in the heart of the White Mountains! This duplex boasts all the comforts of home, or an incredible investment opportunity! The highly sought-after Bear Run community allows for vacation rentals and is the perfect year-round community. This home sits on a spacious lot close to local spas, restaurants, grocery stores, skiing and night life. Each home comes with its own private garage, gas fireplace, 3 spacious bedrooms, endless storage, beautiful open concept living area, The exterior was stained in 2021, and there is a security/camera system included with each home. 2557 includes a chair lift on the stairs for your convenience, and 2545 includes a built in safe in the closet.

View Property

9100 E Raintree Drive Scottsdale, AZ 85260

$479,000

2 Beds

2 Baths

1,240 SqFt

Status Active

MLS # 6674230

Property Type Apartment

Price Type --

Walking Distance to Swimming Pool!! Updated, 2bd/2ba, w/private balcony nestled in a tranquil, resort-style setting, while offering a peaceful surrounding with lush greenery, towering palm trees, & breathtaking mountain views. Residents here enjoy many amenities including a pristine pool/spa area, built-in ramadas, & gas BBQs. As you enter, you're greeted by an inviting 9ft+ ceilings, updated lights, enhanced by updated flooring & plantation shutters, all creating a welcoming atmosphere. The well-designed, open-concept layout, seamlessly connects the great room, providing effortless flow & functionality. The kitchen is a chef's dream - white cabinets, Granite Countertops, a breakfast bar, & New appliances. Both bathrooms have been thoughtfully upgraded, with custom-built walk-in shower

View Property

10459 E Natal Avenue Mesa, AZ 85209

$479,000

3 Beds

2.5 Baths

1,730 SqFt

Status Active

MLS # 6683132

Property Type Single Family Residence

Price Type --

Prepare to be impressed by this well-maintained home in Mulberry Community! The lovely façade provides a low-care front yard, stone accents, and a cozy front porch. You'll love the large great room graced with wood-look flooring, bountiful natural light, and sliding glass doors leading to the back patio. The kitchen features cabinets with crown moulding, recessed lighting, stainless steel appliances, and granite counters. Continue upstairs to find the carpeted primary bedroom offering an ensuite with dual sinks, a make-up desk, and a walk-in closet. The private backyard with artificial turf, an attached pergola, and pavers is perfect for alfresco dining, entertaining, or merely unwinding after a long day. Don't let this opportunity slip by!

View Property

8795 E Greenview Drive Gold Canyon, AZ 85118

$479,000

2 Beds

2 Baths

1,900 SqFt

Status Active

MLS # 6684188

Property Type Townhouse

Price Type --

Discover your dream of a brand-new home brought to life in this exquisite residence! Boasting an expansive open floor plan, this elegant abode features two plush bedrooms, two lavish bathrooms, plus a versatile den for your home office or creative space. The heart of the home, a gourmet kitchen, dazzles with stunning granite countertops, sophisticated upgraded cabinetry, and premium stainless steel appliances. Residents enjoy access to a stylish clubhouse, a refreshing swimming pool, and the serene beauty of a nearby golf course, making every day feel like a vacation. Property recently appraised in the last 30 days for 480,000.

View Property