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.

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4126 E Camden Avenue San Tan Valley, AZ 85140

$477,000

3 Beds

2 Baths

1,942 SqFt

Status Active

MLS # 6650702

Property Type Single Family Residence

Price Type --

Affordable! 3 Car Garage & Pool! Slice of paradise in Castlegate , Queen Creek/San Tan Valley! This beautiful 3 bedroom + den/flex or 4th bed, 1,940 sq ft residence & backyard oasis defines comfort and style. Your 3-car garage features two roll-up doors, a side door for yard access to where the double side gate opens to RV parking, a toy owner's dream! Step inside to the heart of the home to see 3 living spaces kitchen/great room, living/dining, & de/flex/4th bedroom. You'll love it all, from the beautiful tree shaded grand front patio, the stylish archways & light bright windows to the private backyard oasis with mature landscaping. Primary suite offers the indulgence of a soaking tub next to a separate shower, walk-in closet, double sinks, W/C & 2 garden views. See it & fall in love! Two additional bedrooms ensure ample space for family or guests. Relax in your own backyard sanctuary, where a sparkling pool awaits your enjoyment. The extra-tall privacy wall ensures tranquility, and when you're in the mood for outdoor entertaining, the stylish outdoor bar & BBQ area is your go-to spot for creating unforgettable memories. And the allure extends beyond the main living space - a pull-down ladder reveals an accessible attic providing a perfect storage solution. Plus a free-standing 'pool shack', finished inside, currently a 'she-shed' could be an arts and crafts workshop or more storage & it's equipped with a window-mounted A/C for comfort. To sweeten the deal, the seller is open to carryback financing with 50% down, making this dream home even more attainable. Conveniently located near shopping, dining & schools, this residence is a rare gem! Don't miss this extraordinary opportunity to call this stunning home yours, complete with a 3-car garage, a toy friendly double side gate, and a refreshing, private, garden party retreat.

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4002 N 113th Avenue Avondale, AZ 85392

$477,000

3 Beds

2 Baths

1,798 SqFt

Status Active

MLS # 6665765

Property Type Single Family Residence

Price Type --

Welcome to your new oasis in Avondale, AZ! This stunning 3 bed, 2 bath home boasts luxury and comfort at every turn. The expansive travertine patio leads you to a sparkling pool, perfect for entertaining or unwinding after a long day. Inside, you'll find a marble fireplace that adds elegance and warmth to the space. Upgraded light fixtures illuminate the open concept layout, showcasing the beautiful tile flooring throughout. The gourmet kitchen boasts top-of-the-line appliances and ample counter space for all your cooking needs. With 1798 sq ft of living space, this home offers comfort and style at every turn. Don't miss out on the opportunity to make this your forever home in Avondale!

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27370 W Sierra Pinta Drive Buckeye, AZ 85396

$477,000

2 Beds

2.5 Baths

1,856 SqFt

Status Active

MLS # 6648953

Property Type Single Family Residence

Price Type --

EXPANDED SANCTUARY WITH GUEST SUITE ON A HUGE 15,373 SQ FT PRIVATE WALLED LOT! 2 Bed, 2 .5 Bath at 1,856 sq ft, shows like a model. Paver Drive, walkway & large paved courtyard w\mountain views. Inside you'll find 8 ft doors. Kitchen features Quartz counters, backsplash, pendant lights, & walk in Pantry. Owner's Suite w\Quartz counters, modern walk in tiled shower w\seat, dual sinks, & huge walk in closet. Guest room has an en-suite full bath with tub, perfect for guests. There's also a half bath with pedestool sink. Laundry room provides space for a work station. Garage has a 4 ft extension, built in storage cabinets, water softner, insulated door & is plumbed for a sink. The huge backyard has an epoxy patio & is a blank canvas for you to design your own entertainment area or pool

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5069 N Atwood Court Prescott Valley, AZ 86314

$476,694

2 Beds

2 Baths

1,307 SqFt

Status Active

MLS # 6694713

Property Type Single Family Residence

Price Type --

A beautiful Capstone Home in the most sought after community in Prescott Valley ''Jasper'' This home is MOVE-IN-READY. This home features 2 bedrooms, 2 baths, and a tandem 3 car garage. White shaker cabinets, quartz countertops, luxury vinyl plank flooring and 12'' by 24'' tile in the bathrooms and primary shower. A great room fireplace with tile surround makes this open floor plan comfortable and cozy. Come see this home today!

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22608 W Mohawk Lane Surprise, AZ 85387

$476,375

4 Beds

3 Baths

2,511 SqFt

Status Active

MLS # 6696912

Property Type Single Family Residence

Price Type --

Introducing the latest addition to Surprise, is Frontera in Mesquite Mountain Ranch. Available now is this new detached single-level home, situated on a corner next to a park, this charming one-story residence features four bedrooms, two and a half bathrooms, and a two-car garage. Boasting front yard landscaping, granite countertops, a generously sized kitchen island with a single bowl sink, tile flooring, stainless steel appliances, and a gas range, this home is designed for modern living. It also comes equipped with a smart home package, a gas tankless hot water heater, and Deako smart light switches for added convenience. Residents of Frontera, will have access to an array of community amenities, including hiking and biking trails, pickleball and basketball courts and play areas.

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7123 Pair O Dice Road Show Low, AZ 85901

$476,000

3 Beds

2 Baths

1,404 SqFt

Status Active

MLS # 6573232

Property Type Single Family Residence

Price Type --

Beautifully remodeled 3 bed 2 bath home in the ideal location of Linden. Close to Show Low, shopping and restaurants, but with country living! This home has been lovingly remodeled this year with new flooring, a brand-new kitchen, fresh paint from floor to ceiling, a new roof and so much more! Take advantage of the beautiful yards, garden space, outside pavilion, fire pit and so much more! This home has indoor and outdoor space to entertain through all 4 seasons! Seller is directly related to the listing agent.

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2321 E Millbrae Court Gilbert, AZ 85234

Open House

$476,000

3 Beds

2 Baths

1,486 SqFt

Status Active

MLS # 6687346

Property Type Single Family Residence

Price Type --

Welcome to this charming property featuring a cozy fireplace, creating a warm and inviting atmosphere. The natural color palette throughout the home adds a sense of tranquility and easy living. With additional rooms for flexible living space, you have endless possibilities to customize to your needs. The primary bathroom boasts a separate tub and shower, double sinks, and good under sink storage. Step outside to enjoy the fenced backyard with a covered sitting area, perfect for relaxing or entertaining. Fresh interior paint and new flooring throughout the home provide a modern touch. Don't miss the opportunity to make this your dream home!

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9730 W Albeniz Place Tolleson, AZ 85353

$475,990

5 Beds

3 Baths

2,688 SqFt

Status Active

MLS # 6701785

Property Type Single Family Residence

Price Type --

Beautiful Brand New Home in a Highly Desirable West valley location. Under Construction - Est completion of August. Features countless upgrades such as 9' ceilings, Shaw 17x17 Tile, Granite countertops in the kitchen. Whirlpool Stainless steel appliances. White shaker cabinets with Stainless Steel Pulls. Energy-efficient features throughout, WIFI & programmable thermostat. Spacious walk-in closet in the primary suite. Front yard landscaping, covered patio in the backyard. Spectacular Mountain Views! The community features a greenbelt, a premium neighborhood park with playground. Conveniently located near the new 202 freeway, schools, shopping and dining, and Estrella Mountain Regional Park.

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12426 W Levi Drive Avondale, AZ 85323

$475,973

5 Beds

3 Baths

2,723 SqFt

Status Active

MLS # 6690949

Property Type Single Family Residence

Price Type --

Discover the difference in this home and buying experience! Under construction Rockrose design at Highland Sage. 2-story includes an open-concept floorplan boasting an inviting kitchen and bright great room that opens to the private, covered outdoor room, the two-car garage leads you into the drop zone, front covered porch with downstairs bedroom and bathroom, bonus room upstairs with 4 other bedrooms. $38,000 in upgrades are included in this home! 5.99% Special financing is offered. Alamar is a new kind of master-planned community in the West Valley spread over 1,150 acres in Avondale, just 18 miles from Downtown Phoenix.

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10722 E Dragoon Circle Mesa, AZ 85208

$475,610

4 Beds

2.5 Baths

1,807 SqFt

Status Active

MLS # 6652744

Property Type Single Family Residence

Price Type --

BRAND NEW HOME TO BE BUILT! UP TO $20,000 IN BUILDER INCENTIVES ON THIS ONE! LOW interest rate programs available! Diamond Court, built by Newmark Homes, is an 18 home community nestled in a prime location in Mesa with lots of new retail/restaurants close by. This floorplan (see photos) is the Residence 3 with the 4th bedroom option added! Dual walk in closets in Primary Bedroom! The slab is already poured on one of the larger premium lots in the subdivision- check out the extended length driveway and has no neighbors behind it! Some structural options have been added, but buyer can still choose flooring, cabinets, counters, etc!

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13148 W Nogales Drive Sun City West, AZ 85375

$475,500

2 Beds

2 Baths

1,904 SqFt

Status Active

MLS # 6660568

Property Type Single Family Residence

Price Type --

**ABSOLUTELY BEAUTIFUL** SAN MARCO MODEL** PRIDE OF OWNERSHIP ABOUNDS** IN THE SPOTLESS GEM **NEWER STAINLESS STEEL APPLIANCES WITH CHOICE HOME APPLIANCE WARRANTY UNTIL 2026** NEWER AC** TURNKEY OPTION IS AVAILABLE** EXTENDED COVERED PATIO WITH AWNING AND SUNSCREENS** WORRY FREE LIVING WITH TRANSFERABLE HOME WARRANTY THROUGH 2026**H2O CONCEPTS WHOLE HOUSE WATER SYSTEM **PRACTICAL MEETS LUXURY** IN THIS STUNNING HOME** ARIZONA LIVING AT ITS FINEST **SOLAR PANELS FOR ENERGY SAVINGS!

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501 W Dublin Street Chandler, AZ 85225

$475,500

3 Beds

2 Baths

1,748 SqFt

Status Active

MLS # 6686590

Property Type Single Family Residence

Price Type --

Lovely 3 bed/2 bath home located on a large lot with RV gate in Chandler with NO HOA! Come take a look before it's gone! Great House! a MUST SEE! Close to schools and shopping center.

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