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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17199 W Elaine Drive Goodyear, AZ 85338

Open House

$465,000

3 Beds

2.5 Baths

1,918 SqFt

Status Active

MLS # 6689110

Property Type Single Family Residence

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Home, sweet home! This fantastic 3 bed, 2 bath residence now on the market is looking for its new owners! A beautiful facade w/stone accents, easy-care front yard, a 2 car garage w/built-in cabinets, and an RV gate are just the beginning! Inside you'll find a spacious dining & living area w/elegant wood-look flooring, dazzling light fixtures, upgraded ceiling fans, custom palette throughout, outdoor access w/stylish French doors, and a warm fireplace. The gorgeous kitchen is comprised of wood cabinetry w/granite counters, a pantry, stainless steel appliances, stone backsplash, and a lovely island. Discover a cozy loft where you can spend a relaxing Sunday evening! The primary bedroom boasts vaulted ceilings, private balcony access, a walk-in closet, and a full ensuite w/dual sinks. Also including a wonderful backyard w/a covered patio, a quaint pergola, and a sparkling blue pool, this home simply has it all! Act now before it's gone!

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10823 W Sarabande Circle Sun City, AZ 85351

$464,999

3 Beds

2 Baths

1,957 SqFt

Status Active

MLS # 6640061

Property Type Single Family Residence

Price Type --

Explore the charm of this newly renovated residence in Sun City, featuring a modernized kitchen and bathrooms, as well as upgraded flooring and fresh paint throughout. This home is designed to leave a lasting impression and is truly a must-see. Come and discover the myriad offerings of this exceptional property for yourself.

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40243 W Michaels Drive Maricopa, AZ 85138

$464,995

4 Beds

3 Baths

2,220 SqFt

Status Active

MLS # 6630712

Property Type Single Family Residence

Price Type --

Explore this impressive Raleigh home. Included features: an inviting covered entry; a guest suite with a bathroom in lieu of a study; an open dining area; a gourmet kitchen offering a double oven, quartz countertops, tile backsplash, stainless-steel appliances, a center island and a walk-in pantry; a spacious great room boasting center-meet doors leading onto a relaxing covered patio; a convenient laundry; a lavish primary suite showcasing a generous walk-in closet and a deluxe bath with double sinks; a teen room in lieu of a bedroom; a storage area; a mudroom and a 2-car garage. This home also offers ceramic tile flooring in select rooms.

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10830 W Grant Street Avondale, AZ 85323

New

$464,995

3 Beds

2 Baths

1,860 SqFt

Status Active

MLS # 6693990

Property Type Single Family Residence

Price Type --

Discover this stunning Sunstone home, ready for quick move-in! Included features: a private study; a spacious great room overlooking a serene covered patio; a dining nook; a thoughtfully designed kitchen boasting 42'' upper cabinets, quartz countertops, a walk-in pantry, a center island and stainless-steel appliances, including a gas range; a central laundry; and a lavish primary suite showcasing dual walk-in closets and an attached bath. This home also has upgraded stone tile flooring, cultured marble bathroom countertops, ceiling fan prewiring, front yard landscaping and a concrete-paver driveway and walkway.

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