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

What Types of Coverage Are Included in Standard Home Insurance Policies? Let's Take a LookEvery 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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17854 W Illini Street Goodyear, AZ 85338

$454,900
3 Beds
2.5 Baths
2,333 SqFt
Status Active
MLS # 6674617
Property Type Single Family Residence
Price Type --
Welcome to the Ash Floor Plan, an exquisite single-story sanctuary thoughtfully designed to elevate your living experience. With 2333 square feet of well-crafted space, this home exudes elegance and practicality. With 3 beautifully appointed bedrooms and 2.5 Baths, the Owners Suite stands out as a true gem, boasting a walk-in closet that caters to your storage needs, keeping your belongings organized and accessible. The Owners bathroom includes a walk-in shower and offers the choice of a super shower or a luxurious bathtub and shower combination, ensuring an indulgent escape to unwind and recharge. Embrace the possibilities with a lovely front porch, versatile flex room and over-sized garage! THIS HOME IS ''TO BE BUILT''.

8 Calle Dorado -- Tubac, AZ 85646

$454,900
2 Beds
2.5 Baths
1,866 SqFt
Status Active
MLS # 6641244
Property Type Townhouse
Price Type --
Charming Townhome located within the Cielito Lindo Subdivision. This is a 2 bedroom/2.5 Bath home with a 2 car garage. 2 master suites, each with a private balcony. There is a south facing patio of the Dining area that provides panoramic views. The location is close to the Historic Art Village of Tubac with restaurants, galleries, shops and the Tubac Historic Park. Baca Float Water Company. Streets are maintained by the HOA as is exterior painting. Furnishings available by SBOS

11978 S 172nd Avenue Goodyear, AZ 85338

$454,900
3 Beds
2 Baths
1,842 SqFt
Status Active
MLS # 6669830
Property Type Single Family Residence
Price Type --
WOW! Gorgeous home, like new. Less than 2 years young. 3 BDRM/ DEN home is in the resort style community of Estrella MTN Ranch! Amazing location and amenities galore!! Highly upgraded home. Lovely back yard with river rock and MTN views!! Easy walk to the lakes, schools, parks, hiking &biking trails & much much more!

17633 W Hatcher Road Waddell, AZ 85355

$454,700 - 4Br/2Ba -  for Sale in Zanjero Pass Phase 1, Waddell
Open House
$454,700
4 Beds
2 Baths
1,832 SqFt
Status Active
MLS # 6674685
Property Type Single Family Residence
Price Type --
No wasted space in this open single story NEW construction home. The Cali has 1832 SF, 4 bedrooms, 2 bathrooms and great natural light. ***Est to close Jun/July. This home features a modern, color palette, with Fresh white shaker cabinets, quartz counter tops, a large kitchen island, energy efficient stainless steel appliance package, with 9' ceilings, and tile floors. This home also includes technology and efficiency features such as a soft water loop (pre-plumb) dual pane low-E windows, window coverings and our Home is Connected; smart home system. The exterior features front yard desert landscaping, a covered patio and private backyard. Conveniently located close to the 303, this gated community is near Costco, Safeway, and shopping. Finishes/Features may vary from photos.

7416 W Glass Lane Laveen, AZ 85339

$454,700
4 Beds
2 Baths
1,939 SqFt
Status Active
MLS # 6680202
Property Type Single Family Residence
Price Type --
Wonderful 4BR Single Level Home in Laveen Farms. Extensively renovated, with new textured laminate flooring (no carpet), new interior and exterior paint, doors, moldings, lighting, ceiling fans and more. All NEW Kitchen with white shaker cabinetry, quartz counters with breakfast bar, SS appliances (Gas Cooking), new bathrooms. Master BR features full Bathroom with separate tub and shower & walk-in closet. Full Bathroom for the remaining bedrooms. All new window coverings. New garage door opener. 2020 HVAC; tankless water heater. Well maintained subdivision with close by Trailside Point Park featuring lakes, playgrounds, sport courts and more. Easy freeway access. Come see this fabulous home!

26410 W Vista North Drive Buckeye, AZ 85396

$454,500
2 Beds
2 Baths
1,565 SqFt
Status Active
MLS # 6648743
Property Type Single Family Residence
Price Type --
FULLY FURNISHED TURNKEY HIDEAWAY MODEL! Travertine walkway & stairs greet you as you enter this meticulously maintained 2 bedroom, 2 bath, 1,565 sqft home. The kitchen with granite counters, Gas range, Reverse osmosis, Soft close drawers, Walk-in pantry & Pull out shelves. Family room offers SS speakers, Media wall & tile. TILE throughout the entire home. Wooden shutters in all the right places. Guest bedroom w/adjacent bath perfect for visiting guests. The Backyard is an Entertainers DREAM Featuring an Inviting Outdoor Fireplace, soothing Hot Tub, Firepit & Water Feature surrounded by a raised Travertine Platform w/Guest Seating. NO REAR NEIGHBORS, Green Space behind the home. Tankless Water heater, Water Softener, Cabinets, Work Bench, & Sink can be found in the 2 car Garage.

4183 E Reynolds Drive San Tan Valley, AZ 85143

$454,490
5 Beds
4.5 Baths
3,131 SqFt
Status Active
MLS # 6681032
Property Type Single Family Residence
Price Type --
Beautiful NEW Home in in the highly desirable San Tan Valley area, close to major cities. Overlooking scenic desert views. Featuring countless upgrades such as 9' ceilings, Shaw Ceramic Tile Floors, Granite countertops in the kitchen. Whirlpool Stainless steel appliances and white cabinetry. Energy-efficient features throughout, Wi-Fi & programmable thermostat, and electric range. Spacious walk-in closet in owner's suite! Front yard landscaping with irrigation included and generous covered patio in the backyard. Minutes from hiking trails and scenic mountain views! Fantastic proposed amenities such as community parks, football fields, soccer fields, baseball/softball fields, BBQ grills, picnic area, Shaded ramada areas, benches, play structures, sand Volleyball, tennis courts,and several designated trails! Located near Queen Creek, highly rated schools, shopping, and dining! Surrounded by open Sonoran Desert habitat.

4542 S Nageli -- Mesa, AZ 85212

$454,139
3 Beds
2.5 Baths
1,501 SqFt
Status Active
MLS # 6664858
Property Type Single Family Residence
Price Type --
*NEW CONSTRUCTION* With three bedrooms and two and a half bathrooms, the Cyan plan also features a foyer that opens to the dining and great room. The kitchen features upgraded white 42'' shaker-style cabinets and quartz countertops. Upgraded 12''x24'' porcelain tile flooring throughout the home with upgraded carpet in all bedrooms.

4933 S 103rd Drive Tolleson, AZ 85353

$454,110
5 Beds
3 Baths
2,048 SqFt
Status Active
MLS # 6665395
Property Type Single Family Residence
Price Type --
Below Market Financing Available!!Beautiful Brand New Spacious single level Smart Home On Corner Homesite W/Private Backyard & Fabulous Front Courtyard too. Split Floor Plan 5Bdrms,3 baths & 2 Car Garage. This Open Floorplan was designed for you and guests to come together and enjoy the great room, dining room and kitchen spaces that flow together seamlessly. ''Wonderful indoor/outdoor living'' W/Private Backyard+Large Back Patio Perfect For Entertaining Or Family Nights. 9' Ceilings, GOURGEOUS KITCHEN W/SS Appliances, White Cabinets, Granite Countertops, Double Door Pantry, Tile throughout except bedrooms where plush carpet will snuggle your toes. Two-tone paint throughout the home, one less item for you to put on the ''Honey Do'' list! Energy Star & Smart Home Features+More. APRIL COE

17690 W Silverwood Drive Goodyear, AZ 85338

$454,020
2 Beds
2 Baths
1,655 SqFt
Status Active
MLS # 6639906
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#6639906 January Completion! The Lily in CantaMia at Estreall-built specifically for age restricted 55+ communities! The Lily's sought-after floor plan presents a luminous and inviting interior, designed with an open layout that's perfect for socializing. The living spaces occupy one side of the home, while the bedrooms and study room are thoughtfully situated on the other side for optimal privacy. The generously proportioned owner's suite is discreetly placed at the rear of the home, ensuring a private retreat. It boasts a walk-in closet and an impressively spacious shower. Outside, the driveway is adorned with pavers, and the front yard is beautifully landscaped. Nestled in the scenic Estrella Mountain Foothills, this residence is part of a captivating gated active adult community that offers a resort-style lifestyle. Design enhancements feature 42' cabinets, whole house quartz and appliances. Structural options added include: multi slider at great room paver driveway, porch and walk, extended owner's suite, 8' interior doors, pre-plumb reverse osmosis system, and gas line for future outdoor kitchen.

8944 E Red Mountain Lane Gold Canyon, AZ 85118

$454,000
2 Beds
2 Baths
1,982 SqFt
Status Active
MLS # 6669170
Property Type Single Family Residence
Price Type --
This spectacular home offers 1982 sqft of spacious living space. The main bedroom features an attached large sitting area, walk in closet, on-suite wi/ double sinks, & walk-in shower. Bedroom #2 is oversized and was intended to be a mother in law suite. This model was designed as a 4 bedroom home and could easily be converted if that's what your looking for. Screened in patio (20x13). Lots of upgrades and update to include no carpet through-out. Water heater replaced 2023, Roof Replaced 2021, Exterior painted 2019, Soft water and R/O system in 2019, Sun screens 2014, HVAC was replaced in 2010. Extended garage 24ft long ,stainless steel appliances with bosch washer & induction/ convection oven, Top/down/bottom window coverings & so much more. HOA only $42.60 monthly includes Trash

2227 S Ponderosa Drive Gilbert, AZ 85295

$454,000 - 3Br/3Ba -  for Sale in Lyons Gate Phase 10 Amd, Gilbert
Open House
$454,000
3 Beds
2.5 Baths
1,488 SqFt
Status Active
MLS # 6674757
Property Type Single Family Residence
Price Type --
Welcome to this charming home with a natural color palette throughout. The master bedroom boasts a walk-in closet for all your storage needs. You'll find other rooms perfect for flexible living space, allowing you to customize to your liking. The primary bathroom features good under sink storage for added convenience. Step outside to the fenced backyard with a covered sitting area, perfect for outdoor entertaining. And don't forget about the fresh interior paint, giving this home a modern and updated look. Don't miss out on this fantastic opportunity to make this house your home!

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