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. Â Give me a call for more information – J.P. Cook – 602-320-4253.
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7157 E Rancho Vista Drive Unit 3006
Scottsdale, AZ 85251
$2,180,000
3
Beds
2
Baths
2,312
SqFt
Status
Active
MLS #
6693254
Property Type
Apartment
Price Type
--
Discover the pinnacle of luxury living in this stunning condo, meticulously designed with high-end features throughout. The condo exudes sophistication and style starting with white Italian flooring, artistic doors, triple coffered ceilings and designer lighting. Culinary enthusiast will delight in the gourmet kitchen which is a masterpiece of design and functionality. The Nari CotY award winning bathroom will leave you breathless. Absolutely stunning! The sellers converted two of the bedrooms into a jaw-dropping walk-in closet. This space is a fashion enthusiast's dream, offering extensive room for clothes, shoes, accessories, and more. Should your needs change, these rooms can be easily converted back into bedrooms, providing flexibility and convenience. This condo is more than just a place to liveit's a lifestyle statement, ideal for those who appreciate the finer things in life and desire a home that reflects their taste and stature. Whether you're a culinary aficionado who enjoys hosting dinner parties, a fashion lover with a sizable collection, or someone who values relaxation and luxury, this condo adapts to meet all your needs with elegance and sophistication. The outdoor living space takes this dream condo to a whole new level as an expansive space with several seating areas and beautifully landscaped. In addition, enjoy the lush botanical Optima Camelview experience with green plants and water features everywhere. 2 outdoor pools, indoor lap pool with spas, steam saunas, indoor basketball and racquetball court, putting green, pickle ballcourt, state of the art fitness facility, FULL time concierge, and on-site restaurant. All of this is within walking distance to dozens of exquisite restaurants, luxury shopping experiences and walking paths.
6609 E 4th Street
Scottsdale, AZ 85251
$2,175,000
6
Beds
6
Baths
4,082
SqFt
Status
Active
MLS #
6755889
Property Type
Single Family Residence
Price Type
--
Do not miss this stunning architectural marvel, nestled in the heart of Old Town Scottsdale, boasting a 24-foot ceiling and 4,082 square feet of luxurious living space. The NEW home seamlessly blends into its natural surroundings, offering a harmonious union of form and function. As you approach the home, you are greeted with views of Camelback Mountain, right at your front door. As you enter, you are greeted by an impressive foyer that sets the tone for the rest of the home, and the spacious living areas boast an abundance of natural light and elegant finishes, creating an inviting atmosphere for entertaining guests or relaxing with the family. The gourmet kitchen is a chef's dream, featuring high-end appliances, custom cabinetry, thick slab Quartz and French Oak wood floors throughout. The home is more than just a sanctuary in the desert, it provides a vantage point to witness the beauty of Arizona's sunsets and the twinkling city lights below from the strategically placed view deck. Walking distance to Old Town Scottsdale. Providing an unparalleled setting amidst picturesque landscapes and breathtaking mountain vistas, the home offers a lifestyle of convenience and sophistication, with proximity to upscale shopping destinations, fine dining establishments, and world-class entertainment venues, ensuring every desire is effortlessly met. Yet, despite its proximity to urban amenities, the home remains a sanctuary of serenity and seclusion, offering a peaceful retreat from the hustle and bustle of city life. Situated with prominence, the home embodies luxury living with its timeless design and modern amenities.
10465 E Rising Sun Drive
Scottsdale, AZ 85262
$2,150,000
4
Beds
4.5
Baths
3,248
SqFt
Status
Active
MLS #
6716947
Property Type
Townhouse
Price Type
--
Mountain Golf Membership available with NO wait! Fully furnished! Best Location in the Haciendas on the lush, grassy greenbelt leading to private Village pool and workout complex. This fully furnished Paloma plan is the largest - 4 bedrooms, 4.5 baths with designer touches, custom window coverings - Repainted throughout to lighten interiors - new neutral window treatments and auto shades in great room. Gorgeous landscape pots added to outdoor patio areas - private spa off Master. Kitchen with knotty alder cabinets and Viking appliances, granite countertops, center island with seating. Guest Suites have walk-in closets. Upper level guest casita with kitchenette. This gorgeous home is in pristine condition. 30 day application process for memb approval.
902 E San Angelo Avenue
Gilbert, AZ 85234
$2,150,000
5
Beds
4.5
Baths
4,693
SqFt
Status
Active
MLS #
6743031
Property Type
Single Family Residence
Price Type
--
Gorgeous Remodel! Every detail provided in this Stunningly Beautiful 5 Bedroom, 4.5 Bath Victorian Farmhouse! Including lighted Regulation PICKLEBALL COURT, Workout Room complete with Infer-red Sauna. Large Half-Acre Lot with N/S exposure, circular drive entry, mature trees and gorgeous porch in the sought after Circle G Ranches. $600K in upgrades/ improvements. The step-down Office with its own fireplace sits right off the entry. The Kitchen is a masterpiece of design- 2 islands (1 marble and 1 butcher block) 4 Wolfe ovens, 6 burner gas stove/ grill & custom hood, Sub-zero refrigerator/ freezer w/ custom doors, 31'' under counter microwave, Bosch dishwasher, 2 pantries, wine refrigerator w/ 2 cold drawers. Separate Dining Room and Breakfast area. Living Room has wood burning fireplace. Spacious Game/media room w/cauffered ceiling, surround sound and custom barn doors. Downstairs Master Suite features double sink butcher block vanity, large tile shower, claw foot vessel tub, towel warmer and custom designed closet. All 4 additional bedrooms have walk in closets and ensuite- 2 share a Jack & Jill. Large Laundry room has Sub-zero refrigerator, cabinets and work space, sink and walk-in pantry. Backyard is an entertainers dream including beautiful ramada, built in BBQ, newly rebuilt private pool and spa, recently added pickleball court, fire pit, new turf play area with a wonderful shaded area compliments of two mature Ficus trees and multiple fruit trees. Oversized 3 Car Garage with epoxy coated flooring, Pro-Slat walls to hang equipment, steel cabinets and pull down stairs to attic storage. A phenomenal find in this lush BEAUTIFUL Circle G Ranch neighborhood! *Regulation size Lighted Pickleball Court *Fruit Trees include: Tangelo, Orange, Grapefruit, Lemon, Lime *Pentair Pool Equipment *MPulse Infer-red Sauna *Insta- Hot Water in Kitchen *ARO Water Filtration system *Turf in Backyard *Windows all replaced and have a Lifetime Warranty !! Remodel - Upgrades and Improvements over $600,000!!
3898 N Camino Ojo De Agua --
Tucson, AZ 85749
$2,150,000
4
Beds
4
Baths
4,179
SqFt
Status
Active
MLS #
6752129
Property Type
Single Family Residence
Price Type
--
A breathtaking architectural marvel nestled into the Agua Caliente Hill of Tanque Verde. Behold the sweeping city lights, mountain views and glorious sunsets from every window & terraced patios. Built on a ridge atop 3.2 private hillside acres, you'll leave the urban crowds behind. No HOA opens up vacation rental opportunities. The home has been meticulously renovated over the past 4 years w/ Thermadore appliances, lux finishes & maple wood floors giving the home a fresh, luxurious and welcoming vibe. The negative edge pool will make you feel like you're living in a resort! Don't miss the elevator, floating vanities & toilets/bidet, central vac, new windows and doors, freshly paved driveway, designer ceiling fans, Quartz counters, double oven, 48'' fridge/freezer, pot filler & much more! Enjoy many outdoor recreational activities with both the Agua Caliente Hill South Trailhead and the Agua Caliente Regional Park just moments away.
4142 N Golf Drive
Buckeye, AZ 85396
$2,150,000
4
Beds
4.5
Baths
4,618
SqFt
Status
Active
MLS #
6760081
Property Type
Single Family Residence
Price Type
--
Luxury has a new address and it's right here in the Heart of the Main Street District of Verrado. Location, Location, Location... Situated on the 1st hole of the Founders Course at Verrado Golf Club and within close proximity to the Clubhouse and city center. Here you will find the convenience of shopping, dining, community workout facility and pools. Truly an iconic Verrado location. This immaculate custom residence features the finest quality materials and craftsmanship from Salcito Custom Homes, a renowned custom home builder in Arizona. This 4,600+ sqft home offers an open airy floorplan with split master bedroom, private center courtyard and three guest suites all with their very own walk-in closets and bathroom. Gorgeous hand-scraped hardwood floors flow throughout this sprawling authentic Spanish Territorial Ranch. The heart of the home is the exquisite Gourmet Kitchen fully equipped with Professional Viking Stainless Steel Appliances, custom made cabinetry, gorgeous granite countertops, walk-in pantry and bar. This luxurious home exudes class and sophistication in every room, no expense was spared in the design of this custom masterpiece. You will marvel in the beauty of the backyard retreat as it truly has it all... Amazing breathtaking views of the surrounding Mountains and Golf Course. This home offers some of the most picturesque sunsets in the entire valley. An entertainer's paradise this home can be controlled from your iPhone or Smartphone, adjusting the music on the fully integrated sound system, turning on the pool light, changing the temperature or arming the security system. This home was designed to enjoy year-round, simply stunning. Paradise has no limits... Inquire today about scheduling a private tour of this home.
10188 E Cortez Drive
Scottsdale, AZ 85260
$2,150,000
4
Beds
3
Baths
3,970
SqFt
Status
Active
MLS #
6766223
Property Type
Single Family Residence
Price Type
--
Located in the coveted Cactus Corridor, this meticulously upgraded 4-bedroom plus office, 3-bath home spans 3,970 square feet on over 3/4 of an acre. The stunning exterior boasts a circular driveway set against a backdrop of 80 mature trees and a freshly landscaped yard, complete with new sod, an updated irrigation system, and charming herringbone pavers. Step inside to discover a grand foyer leading into a living room with 20-foot wood-plank beamed ceilings and resurfaced fireplaces, creating a resort-like ambiance. The home has been retrofitted for a whole-home 8-zone audio system and networking throughout, making it a tech-savvy haven.The chef's kitchen is a culinary dream with new appliances, and a 50 sqft pantry, flowing seamlessly into both casual and formal dining spaces. The downstairs bedroom offers comfort for guests, while the expansive primary suite includes a private balcony, dual walk-in closets, and a luxuriously updated bathroom. Outdoors, the resort-style pool has been extensively remodeled with a pebble-sheen surface, salt-water generator, and Kool Deck. The property also features a BBQ island with built-ins and a dedicated dog run, ensuring every family member is catered to.Additional luxury upgrades include a new high-efficiency, 'smart' hybrid water heater, Tesla Wall Charger, 400-amp electrical service to accommodate any future upgrades, and a comprehensive Unifi camera security system with extensive LAN storage. Practical enhancements like smart thermostats, new air handlers, crown molding, and upgraded lighting throughout make this home as functional as it is beautiful. Situated in a prime location with unobstructed views of the majestic McDowell Mountains, this home offers privacy, tranquility, and the ultimate setting for creating lifelong memories.
4132 N 44th Place
Phoenix, AZ 85018
$2,150,000
4
Beds
4.5
Baths
2,897
SqFt
Status
Active
MLS #
6779131
Property Type
Single Family Residence
Price Type
--
Discover luxury redefined in this exquisite 4 bedroom, 4 bathroom estate, designed for those who demand excellence in every aspect of their home. The heart of this residence is its open-concept living area, seamlessly integrating a chef's kitchen with top-tier appliances and a spacious living room - perfect for both intimate family moments and grand entertaining. Each bedroom serves as a private haven, featuring en-suite bathrooms with premium finishes. The master suite stands out, offering a spa-like experience in the comfort of your own home. Step outside to find a backyard paradise, where a sparkling pool and spa await for relaxation. Make it yours today! Scheduled completion for end of November 2024!
1350 Discovery Drive
Prescott, AZ 86305
$2,150,000
4
Beds
3.5
Baths
3,305
SqFt
Status
Active
MLS #
6780188
Property Type
Single Family Residence
Price Type
--
Sensational contemporary home just completed in 2024 is ready for occupancy! This elegant and modern home with unique design elements offers main level living, luxury appointments in a bright and open floor plan all in the centrally located Heritage subdivision. Features include Hardwood flooring with tall ceilings, ''Anderson'' windows, stone accents, 3 gas fireplaces, quartz counters and custom built-in appliances in the Kitchen/Great room area. Oversized Master Suite features walk-in shower, stone accents and private deck with amazing views of Thumb Butte. Other features include metal roof, spray foam insulation throughout, secluded private back yard with a firepit, pavers, boulder outcroppings, artificial turf and covered outdoor kitchen. 3 car epoxy garage with workshop.
18934 E Vallejo Street
Queen Creek, AZ 85142
$2,150,000
5
Beds
4.5
Baths
3,854
SqFt
Status
Active Under Contract
MLS #
6771559
Property Type
Single Family Residence
Price Type
--
Want to move but sad you missed out on those crazy low interest rates? This amazing home comes with an ASSUMABLE interest rate of 2.25% This luxury home has everything you want- shows like a model home, with all the upgrades and everything has been done for you. No expense spared and meticulously maintained. All the bedrooms have ensuite bathrooms. Entertain and cook in the gorgeous chef's kitchen with high end appliances, the kitchen island is expansive and ready to host your next baseball team or work party. Sky high ceilings with an open living floorplan and a flex space, 4 car garage, pickleball/basketball court, sparkling heated pool- all on over an acre and with an interest rates that makes you feel like you should do it. This is truly a special home and ready for it's new owner.
1400 Meadowridge Road
Prescott, AZ 86305
$2,150,000
3
Beds
4
Baths
3,479
SqFt
Status
Active
MLS #
6762090
Property Type
Single Family Residence
Price Type
--
As you pull into the secluded 3.16-acre fenced property that is situated among boulders and has amazing views of mountains and trees in the distance. Only 2 miles to the Courthouse Square. Soaring ceiling and a bright open floor plan are the first thing you'll see, followed by a generous list of high-end renovations and upgrades. Some of the renovations and custom features you'll see include freshly painted inside and out, new flooring throughout, concrete fireplace, new light fixtures, Sliding Glass Wall System that disappears behind the fireplace, floating staircase and steel railings and custom doors throughout. Pause and enjoy the gourmet kitchen with high level marble, 3 sinks, Wolf cooking, Miele refrigerator and freezer, large wine fridge, floating shelves and custom cabinets with slide out features. In the master suite there is a sitting room, custom closet with a shoe shrine, extensive tile work in the bathroom with a large soaker tub and walk-in shower. One more guest room on the main level with a large close, 3/4 custom bath and slider with exterior access to the backyard. A mud room, spacious laundry room and a powder room with a custom countertop wrap up the lower level. Traveling upstairs on the floating staircase, you have a flex room/family/game room, one more 3/4 bath, a large guest room with a whimsical, creative loft space for the little ones and a large exterior deck with stunning views. The outdoor space is NOT TO BE MISSED. The pictures don't do justice to this perfect oasis. Huge front covered porch, lots of grass, trees and bushes, and in the backyard you have a true taste of paradise. Boulder formations, outdoor movie theater, kitchen with steel pergola, several pocket patios and seating areas with fire pits and gathering areas, playground, chicken coop, dog run and tons of additional parking for RV, toy haulers or extra vehicles and additional room for a detached garage/shop/casita. NO HOA!!! Bring your horses and farm animals. The oversized garage has a 8x18 double car garage door and an 8x9 single car garage door for a total of 1054 sq. ft. space which includes two built-in work rooms (one that is climate controlled). Home originally built in 2006 with SIPS construction. Property being sold with additional parcel number 115-06-130G.
10787 E Sutherland Way
Scottsdale, AZ 85262
$2,150,000
4
Beds
4
Baths
3,855
SqFt
Status
Active
MLS #
6786722
Property Type
Single Family Residence
Price Type
--
Welcome to this exceptional Southwest Territorial home, perfectly situated on the 15th fairway of the award-winning Troon Pinnacle Golf Course. Enjoy breathtaking views of Pinnacle Peak, the golf course, city lights, and stunning sunsets. The open floor plan features a chef's kitchen with a large center island, flowing seamlessly into a two-story great room with a stone fireplace, wet bar, and formal dining area. The owners suite and office are conveniently located on the main floor while large ensuite guest rooms tout private balconies on the second floor. Retreat to the private backyard where you'll find a heated pool & spa, built-in BBQ, and stone fireplace offering the ultimate Arizona lifestyle. Enjoy nearby hiking & biking trails, tennis courts, community park, restaurants & more! ***Recent upgrades include a newer silicon roof with 10yr warranty (2020), exterior stonework & painting (2024, 2021), 3 new Trane 18 seer HVAC units (2-2021, 1-2024), two new 80 gallon water heaters (2021), pool equipment (2023), landscaping, irrigation (2023, 2022) and more!***