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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2376 N Nicklaus Drive Mesa, AZ 85215

$474,000
2 Beds
2 Baths
1,640 SqFt
Status Active
MLS # 6620997
Property Type Single Family Residence
Price Type --
This home offers 2 bedrooms 2 bath PLUS a den. It has a split master bedroom floor plan. Patio is plumbed with natural gas for outdoor grilling. Also has gas range and water heater. Walk in pantry in kitchen plus pullout shelves. The garage has beautiful cabinets for closed in storage. There are 4 solar tubes throughout the house. Call to see this house today.

2135 Northwind Drive Pinetop, AZ 85935

$474,000
3 Beds
2 Baths
1,790 SqFt
Status Active
MLS # 6645676
Property Type Apartment
Price Type --
Beautifully updated condo in the gated Pinetop Country Club community of High Country Village. This open-concept floor-plan features 3 bedrooms, 2 full bathrooms and plenty of space for you & your guests! The kitchen has ample cabinets, eat in nook and built in drink fridge! The kitchen opens to the open concept family room with vaulted ceilings and a cozy rock surround fireplace, perfect for entertaining. The primary bedroom boasts an en-suite with dual vanities and a large walk in closet. The additional two bedrooms share a hall bathroom. Don't forget the expansive panty & laundry room before heading outside to your large, covered back deck to enjoy the views & fresh mountain air. One car detached garage and extra parking slab make this low maintenance property perfect for your mountain getaway. Being sold furnished and move in ready! Schedule your showing today!

9315 W Mariposa Drive Phoenix, AZ 85037

$474,000
3 Beds
2 Baths
2,157 SqFt
Status Active
MLS # 6656598
Property Type Single Family Residence
Price Type --
Welcome home! 3bed/2bath single-level home with a study/bonus room, nestled on a corner lot, large living area perfect for gatherings, accentuated by an open and inviting layout. Kitchen is a chef's delight, featuring granite countertops, a pantry, and modern stainless-steel appliances. Main bedroom serves as a private retreat, with an ensuite showcasing dual sinks and a spacious walk-in closet. Backyard is a true extension of this home's charm with an extended patio cover, a built-in BBQ island, a custom pool, an above-ground spa, and a cozy fire pit for memorable nights under the stars. Recent enhancements include an exterior paint job in 2022, a new air conditioning system installed the same year, and thoughtful updates to the kitchen, bathrooms, and pool area. This gem will sell fast.

13022 W Castlebar Drive Sun City West, AZ 85375

$474,000
2 Beds
2 Baths
1,953 SqFt
Status Active
MLS # 6682344
Property Type Single Family Residence
Price Type --
Don't miss this updated home positioned along a scenic double fairway of Briarwood Golf Course in the low-tax area. The backyard features a covered patio - perfect for enjoying a sunrise and coffee while watching golfers at play. Inside, the kitchen offers multiple dining options including a breakfast bar and an eat-in area with golf course views. Here you will also find newer appliances, cabinets, and countertops. The master suite has double sinks, a newly tiled shower, and a spacious walk-in closet. Recent renovations: knockdown ceilings, fresh paint, newer carpet in the bedrooms, interior doors, modern light fixtures and ceiling fans, new bathroom vanity tops, sinks, faucets, and stunning tiled showers. The large laundry room is a potential office space with existing cabinets in place. Sun City West, Arizona, is renowned for its extensive range of amenities tailored to active adults, offering a variety of recreational centers each with its unique facilities. Here's a summary of the amenities provided by each of the main recreation centers in Sun City West: 1. R.H. Johnson Recreation Center Social Hall: A hub for community gatherings and events. Swimming Pools: An outdoor pool with a lazy river walking path, water aerobics, volleyball, and lap swimming. Fitness Center: Equipped with modern exercise equipment. Tennis Courts: Several courts for tennis enthusiasts. Racquetball Courts: For those who enjoy a fast-paced indoor sport. Pickleball Courts: A growing favorite among residents. Miniature Golf: A fun, leisurely activity for all ages. Outdoor Amphitheater: Hosts concerts and other outdoor performances. Arts and Crafts Clubs: Facilities for ceramics, woodworking, stained glass, and more. Library: A wide selection of books and reading areas. Bowling Alleys: Modern facilities for bowling enthusiasts. Outdoor Courts: Bocce ball, Lawn Bowling Dog Parks: A large and small dog park. 2. Palm Ridge Recreation Center Swimming Pools: Features both indoor and outdoor pools. Fitness Center: Well-equipped for various workouts. Tennis Courts: High-quality courts for players. Pickleball Courts: Multiple courts to accommodate the popular sport. Club Rooms: Spaces for clubs and group meetings. 3. Beardsley Recreation Center Swimming Pool: A beautiful outdoor pool for laps and leisure. Fitness Center: Offers a range of exercise equipment. Club Rooms: Available for various club meetings and activities. Miniature Golf Course: Adds a touch of fun with a challenging layout. Arts and Crafts: Facilities for creative pursuits like pottery and fine arts. 4. Kuentz Recreation Center Swimming Pool: An inviting outdoor pool for residents. Fitness Center: Keeps residents active with a variety of equipment. Tennis Courts: For both casual and competitive play. Softball Field: A well-maintained field for games and tournaments. Arts and Crafts: Including woodworking and painting studios. Stardust Theatre: A venue for plays, musicals, and other performances. Outdoor Courts: Bocce ball, cornhole, and horseshoe pits Additional Facilities Across the Centers: Golf Courses: Sun City West has seven beautifully maintained golf courses. Clubs: Over 100 Clubs including Woodworking, Auto Restoration, Metal Shop Walking Tracks: Scenic paths for leisurely strolls or brisk walks.

9555 E Raintree Drive Scottsdale, AZ 85260

$474,000
3 Beds
2 Baths
1,509 SqFt
Status Active
MLS # 6682683
Property Type Apartment
Price Type --
Refined elegance awaits in this tastefully updated ground floor condo nestled within the tranquil enclave of Ladera Vista, ideally situated in prestigious Scottsdale. You'll find convenience and luxury with a host of upscale amenities including a private 1-car garage, a chef's kitchen adorned with stainless steel appliances, and dual inviting patios. Impeccably appointed bathrooms, including a relaxing master suite boasting a double vanity and newly refurbished shower, offer sanctuary and style. Unwind in the lush, manicured grounds of the gated community, complemented by a heated pool for year-round relaxation. Enjoy the epitome of Scottsdale living in this sophisticated oasis!

17623 W Watson Lane Surprise, AZ 85388

$474,000 - 4Br/3Ba -  for Sale in Sierra Montana Parcel 10, Surprise
Open House
$474,000
4 Beds
3 Baths
2,425 SqFt
Status Active
MLS # 6673707
Property Type Single Family Residence
Price Type --
Welcome to your dream home! This property boasts a natural color palette, creating a serene and calming atmosphere throughout. The kitchen features a center island, perfect for meal prep. The master bedroom includes a spacious walk-in closet for all your storage needs. Additional rooms provide flexible living space for your lifestyle. The primary bathroom offers good under sink storage. Step outside to a fenced backyard with a private in-ground pool and covered sitting area - perfect for outdoor relaxation. With fresh interior paint and new flooring throughout the home give it a modern and updated feel. Don't miss out on this opportunity to make this house yours!

2130 E Pierce Street Phoenix, AZ 85006

$473,999
4 Beds
2.5 Baths
1,637 SqFt
Status Active
MLS # 6565440
Property Type Single Family Residence
Price Type --
Come and take a look at this brand new 4 bedroom, 2.5 bathroom home! Located near the heart of downtown phoenix with quick access to the I10, 51, and 202 Freeways. A 2 car garage and RV gate are located on the newly built property for your convenience! Don't miss out on this beautiful new build.

18768 E Elizar Drive Gold Canyon, AZ 85118

$473,995
4 Beds
3 Baths
2,070 SqFt
Status Active
MLS # 6695267
Property Type Single Family Residence
Price Type --
Entrada Del Oro..... Entrance to Gold! Charming 4BR/3BA home! The front yard offers picture perfect views of the Superstition Mountains and is the ideal place to enjoy evening sunsets. Beautiful wood Laminate flooring throughout with carpet in the bedrooms, kitchen comes w/GE kitchen appliances & Quartz counter tops, two tone interior paint. The front yard comes desert landscaped and driveway is complete with pavers, and a double gate for easy access to the back yard. Make this home yours today!

18741 E Elizar Drive Gold Canyon, AZ 85118

$473,995
4 Beds
3 Baths
2,070 SqFt
Status Active
MLS # 6679885
Property Type Single Family Residence
Price Type --
Entrada Del Oro..... Entrance to Gold! Charming 4BR/3BA home! The front yard offers picture perfect views of the Superstition Mountains and is the ideal place to enjoy evening sunsets. Beautiful wood Laminate flooring throughout with carpet in the bedrooms, kitchen comes w/GE kitchen appliances & Quartz counter tops, two tone interior paint. The front yard comes desert landscaped and driveway is complete with pavers, and a double gate for easy access to the back yard. Make this home yours today!

19564 W Cambridge Avenue Buckeye, AZ 85396

$473,995
4 Beds
3 Baths
2,070 SqFt
Status Active
MLS # 6686661
Property Type Single Family Residence
Price Type --
Discover this ranch-style Agate home, ready for quick move-in! Included features: a covered entry; a large flex room; a corner kitchen boasting an alternate layout, 42'' cabinets, stainless-steel appliances, an island and an adjacent dining room; an inspired great room; a serene primary suite showcasing a sizable walk-in closet and a private bath with double sinks; a central laundry; two secondary bedrooms; a full shared bath and a charming covered patio. This home also offers 7'' x 22'' stone tile flooring, cultured marble bath countertops, ceiling fan prewiring and additional windows in select rooms, coach lights, front yard landscaping and concrete pavers at the driveway and walkway.

14380 W Alameda Road Surprise, AZ 85387

$473,645
4 Beds
2.5 Baths
2,123 SqFt
Status Active
MLS # 6676496
Property Type Single Family Residence
Price Type --
Up to 2% of total purchase price towards closing costs incentive offer. Additional eligibility and limited time restrictions apply. MLS#6676496 ~ Introducing Plan 35R3 at Rio Vista at Rancho Mercado! The spacious gathering room exudes openness and airiness, seamlessly connected to the dining area and complemented by an inviting kitchen featuring a central island, pantry, and ample counter space. Experience the joy of al fresco dining, quality time with family, or intimate gatherings with friends on the covered back patio. Ascend the stairs to discover the owner's suite boasting a generously sized walk-in closet, double vanity, and luxurious walk-in shower. Three additional bedrooms share a well-appointed full bath, while the convenience of the laundry room completes the second floor. Structural options include: paver front porch, garage service door, alternative A/C location with gate, 8' interior door, and soft water loop.

4780 S Ferric Avenue Mesa, AZ 85212

$473,245
3 Beds
2.5 Baths
1,785 SqFt
Status Active
MLS # 6694664
Property Type Single Family Residence
Price Type --
This stunning home is NOW AVAILABLE in one of Eastmark's neighborhoods, nestled within Mesa's celebrated masterplan. Situated conveniently close to The Great Park, this single-family residence, Plan 2, boasts three bedrooms, two and a half bathrooms, an upstairs laundry, and a 2-car garage. Home includes designer upgrades specifically selected for this home. Explore the amazing amenities in this dream community, boasting 77 parks, a stunning pool, clubhouse, orange monster play area, skatepark, splash pad, baseball, softball and soccer fields, disc golf, future pickle ball courts and easy access to highways and shopping.

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