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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37981 W Montserrat Street Maricopa, AZ 85138

New

$480,000

5 Beds

3 Baths

2,659 SqFt

Status Active

MLS # 6707068

Property Type Single Family Residence

Price Type --

Welcome to this Cobalt Floor plan where modern living meets comfort and convenience! This beautifully updated home features a brand-new backyard, installed this April, perfect for summer gatherings and relaxation. Inside, you'll find Alexa-enabled smart thermostats to keep your home at the right temperature with a simple voice command. The kitchen is a chef's dream, equipped with top-of-the-line Signature Series KitchenAid appliances. For electric vehicle owners, the 40-amp outlet in the spacious, epoxy-coated garage is ready to keep you charged. The garage also offers plenty of overhead storage, perfect for organization. This home sits on an oversized lot with a charming C-level elevation, providing extra space and privacy. With new flooring and fresh paint done in 2023.

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6062 E Preston Street Mesa, AZ 85215

New

$480,000

3 Beds

2 Baths

1,704 SqFt

Status Active

MLS # 6706606

Property Type Single Family Residence

Price Type --

You'll fall in love with this charming 3-bedroom gem in Mesa! New updates include: new roof, interior / exterior paint, newer A/C system, newer hot water heater, updated carpet, brand new washer and dryer. It welcomes you with a 2-car garage and striking vaulted ceilings. The interior features carpet and tile flooring, a spacious living room, and a formal dining area perfect for hosting meals. The great room is ideal for making memories. In the kitchen, you'll find oak-wood cabinets, tile backsplash and counters, built-in appliances, a pantry, and a bay window. The main bedroom offers a walk-in closet and a private bathroom with dual sinks and a soothing tub. The sizable backyard includes a covered patio, a shed, and ample space for a potential pool or for your creative landscaping ideas.

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2967 E Lookout Lane Overgaard, AZ 85933

$480,000

2 Beds

2 Baths

1,580 SqFt

Status Active

MLS # 6569350

Property Type Single Family Residence

Price Type --

Clean 2BR/2BA located on .91 acre lot in desirable Forest Trails. Nicely covered front and back deck with Trex. Views from back deck. Spacious master bedroom and bath with garden tub. Split floorplan. 2 car detached garage and a 1 car detached garage perfect for the toys. Brand new heater. WATER IS TURNED OFF, PLEASE DO NOT USE THE RESTROOMS. THANK YOU.

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16182 W Winchcomb Drive Surprise, AZ 85379

$480,000

3 Beds

2.5 Baths

2,465 SqFt

Status Active

MLS # 6626889

Property Type Single Family Residence

Price Type --

Less than a half mile away from Costco, and the Prasada shopping center. This Gorgeous model home has extensive upgrades that include wood floors as you enter the home. Office/den with french doors located on the first floor. Large kitchen with pantry. Upgraded counters, and tile floors that opens to a large family room. The home also features a formal living and dinning room. Second floor has a loft area with bedrooms. Master is large with generous master bath with separate shower and bath, large walk in closet. Backyard features a refreshing pool with water fall and covered patio.

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4522 N 14th Avenue Phoenix, AZ 85013

$480,000

5 Beds

2 Baths

1,611 SqFt

Status Active

MLS # 6664986

Property Type Single Family Residence

Price Type --

Welcome to your dream home in the heart of Phoenix! This fully remodeled 5-bedroom, 2-bathroom gem in right in the heart of the vibrant Melrose District. This area is renowned for its captivating blend of antique shops, art, exceptional dining, & stylish patio cocktail spots. The fully equipped kitchen invites you to create culinary delights, and backyard provides an ideal setting for relaxation or entertaining.

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9714 N 185th Lane Waddell, AZ 85355

$480,000

3 Beds

2 Baths

2,066 SqFt

Status Active

MLS # 6671578

Property Type Single Family Residence

Price Type --

Welcome to your oasis in the heart of Waddell! This stunning -3 bedroom, 2 bathroom, den with a POOL! Home is 2,066 sq ft of comfortable living space. Front Entry into the living room/dining room, on into the open floor plan- family room, breakfast room, kitchen with breakfast bar. Off the family room is a private master suite with huge walk in shower, double sinks, walk in closet and water closet. The laundry room is off the hallway from the kitchen and a private hallway to the garage, den, two additional bedrooms and a full bath. Step into the backyard complete with a cover patio, sparkling pool, built in grill, and tropical plants create a serene, relaxing atmosphere. Huge gated side yard offers additional parking or storage!! A MUST SEE!!!! Cortessa offers 4 neighborhood parks with playgrounds.

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40767 W Colby Drive Maricopa, AZ 85138

$480,000

5 Beds

2.5 Baths

3,306 SqFt

Status Active

MLS # 6670128

Property Type Single Family Residence

Price Type --

Elegant 5-Bedroom + Loft, 2.5-Bath Home with 3-Car Extended Garage & OWNED Solar! Step into this 3,306 sqft gem, where sophistication seamlessly meets functionality. The formal living & dining rooms flow seamlessly into the kitchen, which features brand-new stainless steel appliances & an open floor plan extending to the living room. 1 bedroom downstairs. Upstairs, discover a spacious loft, master suite, & three additional bedrooms. The master bath boasts double sinks with a separate shower & tub. Huge master closet, which could almost serve as a sixth bedroom! Outside, the back patio overlooks low-maintenance desert landscaping & a custom paver design. Recent additions include 2 brand new AC units. With owned solar panels, this home is both eco-conscious and cost-effective. Welcome home!

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17621 W Caribbean Lane Surprise, AZ 85388

$480,000

3 Beds

2 Baths

2,091 SqFt

Status Active

MLS # 6673621

Property Type Single Family Residence

Price Type --

This beautifully maintained home was given a fresh coat of exterior paint in April 2023 and new exterior lighting, to go along with fresh interior paint, updated kitchen appliances, new blinds, light fixtures, carpet and main living area tile in 2022. It features an open concept floor plan with a formal living and dining room, spacious kitchen with TONS of storage and island. The kitchen opens to a large family room. There are 2 bedrooms off the kitchen along with an indoor laundry room that opens to the garage and separate guest bathroom. Off the family room is a large office with built-in shelves. The large primary bedroom features a large linen closet, dual sinks, private water closet and large walk in closet. Outside there is a covered patio, play pool and large yard. MOVE-IN READY!

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7423 W Wood Street Phoenix, AZ 85043

$480,000

4 Beds

2.5 Baths

2,929 SqFt

Status Active

MLS # 6681601

Property Type Single Family Residence

Price Type --

4 bed 2 bath turn-key residence in desirable Sienna Vista! Come inside the spacious living/dining room boasting soaring ceilings, cool palette, and tile flooring w/carpet in all the right places. Cook your favorite meals in this fully equipped kitchen offering a plethora of wood cabinets, a walk-in pantry, a center island w/a breakfast bar, and plenty of counter space for all your cooking needs. Sizable loft is ideal for a recreational area and upstairs bonus room, perfect for an office or an extra bedroom! The primary bedroom showcases vaulted ceilings, pristine ensuite w/dual sinks, and a walk-in closet. Newer A/C! a couple years old. Buyer to verify all facts & schools.

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12609 N La Montana Drive Fountain Hills, AZ 85268

$480,000

2 Beds

2 Baths

1,282 SqFt

Status Active

MLS # 6684392

Property Type Apartment

Price Type --

A RARE find! Lovely ground floor condo with a 2 car attached garage built in 2000! 8 unit complex with swimming pool. Move-in ready condition. Spacious great room floorplan with split bdrms. Large eat-in kitchen with upgraded raised panel cabinetry and granite counter tops. Newer stove & dishwasher. Walk-in pantry. All tile flooring except carpet in guest bedroom. Water softener & RO water purification systems. Extra wide and deep (21' 4'' deep) 2 car garage w attached cabinets & work bench. Walking distance to downtown amenities-shops, dining, library, community center & post office. Quick close possible. Don't miss this one! Owner allowed 1 pet w 20 lb maximum. No pets allowed for tenants. 30 day minimum on rentals. Beds, hutch & dining set available on separate bill of sale at 0 value

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15239 W Bloomfield Road Surprise, AZ 85379

$480,000

3 Beds

2 Baths

1,907 SqFt

Status Active

MLS # 6684498

Property Type Single Family Residence

Price Type --

You have found the PERFECT home in Marley Park featuring all the character and features you've come to expect from a Marley Park home. Step through the turret entry with a security door into a meticulously landscaped backyard. The interior boasts a spacious living area with custom built in shelving and electric fireplace. The open kitchen is complete with a large island, granite countertops, updated tile backsplash, pantry, upgraded white cabinets with crown molding, and stainless steel appliances. The dining area offers picturesque views of the lush greenery at Founders Park just across the street. Enjoy the elegant diagonal set tile flooring with wood-look tile in the main bedroom. This home is equipped with a gas water heater, gas dryer hook-up, gas heat, and a convenient gas stub outside for your grill or future hot tub. It is also pre-plumbed for a water softener. The main bedroom suite features a generous walk-in closet, granite counters, a separate tub and shower, and dual vanities. The second bathroom also boasts granite counters and a tub/shower combo. The garage features epoxy flooring and a service side entry door for added convenience. Outside, the spacious backyard offers an expansive pavered patio, the iconic Marley Park brick wall, and ample space for a future pool installation. Impeccably maintained and move-in ready, this home caters to the most discerning buyers. All of this located in the amazing community of Marley Park, featuring three community pools and 21 unique parks connected by an Arbor Walk and within walking distance to schools.

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12716 W Desert Mirage Drive Peoria, AZ 85383

$480,000

4 Beds

3 Baths

1,836 SqFt

Status Active

MLS # 6689288

Property Type Single Family Residence

Price Type --

Vistancia is a premier community with miles of open space, parks, 2 elementary schools plus an inviting community feel and this home offers an opportunity to be a part of something amazing. This super clean property is in a great location and move-in ready. This amazing home checks a lot of boxes. Outstanding floor plan with one bedroom/bathroom split, perfect for generational living. Family room is spacious with vaulted ceilings and built-in shelves/entertainment center. Well situated in the community and walking distance to the elementary school. Nice low maintenance yard with mature shrubs and trees plus artificial turf in the backyard. The large covered patio is a great place to entertain. Placed on a corner lot allows for privacy and a spacious feel. Newer HVAC.

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