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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28421 N 59th Way
Cave Creek, AZ 85331
$1,899,995
3
Beds
3.5
Baths
2,946
SqFt
Status
Active
MLS #
6641971
Property Type
Single Family Residence
Price Type
--
To Be Complete Summer 2024. The Elden's warmly inviting porch leads into a soaring foyer set between the spacious formal dining room and the flex room. The impressive great room overlooks a desirable covered patio. A cozy casual dining area complements the well-appointed kitchen featuring a large center island with breakfast bar, ample counter and cabinet space, a roomy walk-in pantry, and a butler pantry to the dining room. The serene primary bedroom suite is highlighted by a generous walk-in closet and spa-like primary bath with dual-sink vanity, large soaking tub, luxe shower with seat and drying area. Each secondary bedroom features a walk-in closet and private bath. Convenient powder room, an everyday entry, a centrally located laundry, and additional storage.
5530 W Sand Court
Queen Creek, AZ 85144
$1,899,900
5
Beds
4.5
Baths
5,983
SqFt
Status
Active Under Contract
MLS #
6743010
Property Type
Single Family Residence
Price Type
--
Welcome to your dream oasis! This exceptional and meticulously maintained custom home offers unparalleled luxury and comfort, situated on a spacious one-acre lot with breathtaking mountain views. Immerse yourself in the ultimate backyard retreat featuring an awe-inspiring 55,000-gallon solar-heated pool, complete with a thrilling 50-foot water slide and a raised jacuzzi. A built-in BBQ awaits the chef in you while your guests enjoy the glass firepits or poolside bar. Feel free to perfect your diving techniques with the impressive 14 foot pool depth. Natural boulders bring a beauty that is unmatched to this professionally designed landscape, which would cost nearly a million dollars to replicate today! Let's not forget the gorgeous interior of the home with its generous (more..... ...open layout. Enjoy five beautifully appointed bedrooms and five bathrooms, plus a functional den, providing ample space for both relaxation and entertainment. The fully finished basement offers a versatile space ideal for guests or as a private retreat, ensuring comfort and privacy for everyone. The home boasts a 3 car attached garage and an additional detached/oversized 2 car garage. There is plenty of room for a workshop and toy storage. The west side of the home has space for an RV garage or casita. Revel in stunning mountain views from various vantage points throughout the home...even from your own rooftop deck, providing 360 degree panoramic views. This home is a dream come true!
10425 N 131st Street
Scottsdale, AZ 85259
$1,899,000
4
Beds
3
Baths
3,470
SqFt
Status
Active
MLS #
6766677
Property Type
Single Family Residence
Price Type
--
**MOVE IN READY** Great location walk to Basis School and the Mayo clinic across the street. Started construction on .987 acre this is a steal. This Stylish Home features an open floorplan concept with a large Great Room that adjoins the Kitchen making it perfect for Entertaining. The Gourmet Kitchen is a Chef's Dream offering Stainless Steel Appliances with a Built-In Refrigerator, a Generous Kitchen Island, White Shaker Style Cabinets with Soft Close Drawers and Doors, Granit Counter Tops, Wood-like Tile in all the main areas. Step out onto your patio and enjoy the stunning Mountain Views along with the AZ Sunrise and Sunsets to the East and West! Close to Shopping and Entertainment. Very few new build opportunities in the area. Customize this home to make it yours!
2809 E Frye Road
Phoenix, AZ 85048
$1,899,000
4
Beds
3
Baths
4,066
SqFt
Status
Active
MLS #
6753443
Property Type
Single Family Residence
Price Type
--
Experience the epitome of modern luxury with this stunning, one-of-a-kind historical mountaintop estate in the heart of Ahwatukee. This exquisite home offers ultimate privacy with its exclusive private road entrance and a setting that truly stands out. Every inch of this 4-bedroom, 3.5-bath, 4,000+ square-foot home has been thoughtfully designed and renovated to provide unparalleled comfort and sophistication. Catch the breathtaking panoramic mountain and city views The great room's retractable glass doors flood the space with natural light, creating a seamless indoor-outdoor living experience. There is room (and plans available) for your own private pool. At the heart of the home is the gourmet kitchen, a chef's dream featuring top-of-the-line stainless steel appliances, a spacious white granite island, and a layout perfect for entertaining. The large bedrooms, including the expansive master suite, are bathed in natural light, offering serene spaces for relaxation Nestled against the Mountain Preserve on a cul-de-sac, this custom ranch-style home, was originally designed by John Kane of Achitekton, offers a unique sanctuary. Situated on just under 2 acres, this property includes a 3-car garage and the potential for additional adjoining parcels. This home is ready for its next owner to enjoy. Follow the long, scenic driveway to discover your new hilltop retreat. This rare gem awaitsdon't miss the chance to call it your own!
37301 N 99th Street
Scottsdale, AZ 85262
$1,899,000
4
Beds
3.5
Baths
4,304
SqFt
Status
Active
MLS #
6766150
Property Type
Single Family Residence
Price Type
--
WOW! This amazing 4 bed, 3.5 bath residence is located in the prestigious Mirabel community in North Scottsdale. The 4th bedroom is an attached casita w/ ensuite bath, perfect for guests. It has a premium cul-de-sac lot, a beautiful facade w/stone accents, a manicured desert landscape, paver driveway & walkways, and 4-car garage w/epoxy flooring & built-in cabinets! Discover a spacious living area w/high ceiling and a fireplace to keep you warm during the coming winter months! Soft carpet in all the right places, plantation shutters, upgraded ceiling fans, LED lights, and a neutral palette throughout! The chef's Kitchen showcases tons of cabinet space w/sliding shelves, granite counters, tile backsplash, Wolf appliances including a Sub Zero Fridge, ice maker, garbage compactor, a huge walk-in pantry, and an oversized island w/a breakfast bar & a sink with hot/cold dispenser. The formal dining room highlights a stunning Ironworks door to the back entrance from the driveway, as well as an entrance from the garage. You'll love the primary bedroom, boasting a private sitting room w/elegant wood-look flooring, direct outdoor access, a lavish ensuite w/dual sinks & 2nd shower, and a walk-in closet for all your personal belongings. For added convenience, other bedrooms enjoy access to a Jack & Jill bath w/shower door. Stylish French doors open up to a cozy den w/more built-in cabinets, ideal for an office or reading nook. Don't forget about the HUGE bonus room/casita w/full bathroom & outdoor access, which can be used as a game room, home gym, or guest quarters. NEW in 2017: Paradise resort-style backyard features a covered patio w/closing sun shades & ceiling fans, extended paver seating area w/a built-in BBQ & pizza oven plus an additional gas stub, a large custom glass fireplace designed to keep the heat facing in towards the yard, heat resistant turf, a sports court, a saltwater pool w/fire pots plus a rock waterfall & slide, and a refreshing spa! Full house water filtration, central vacuum, alarm system, and leased solar panels for energy efficiency! This is the opportunity of a lifetime!! Don't let it slip away!
2608 S Sycamore Village Drive
Gold Canyon, AZ 85118
$1,899,000
3
Beds
3.5
Baths
3,999
SqFt
Status
Active
MLS #
6763907
Property Type
Single Family Residence
Price Type
--
GORGEOUS REMODEL IN SUPERSTITION MOUNTAIN (SEE LIST OF RENOVATIONS IN THE DOCUMENT SECTION!) MOUNTAIN VIEWS! 3 bedrooms plus and office and 3 1/2 baths Large primary suite with walk-in custom closet and den area, coffee bar and refrigerator. Cozy patio off the master bedroom with fireplace. Perfect area to add a hot tub. Each bedroom has access to a patio. New granite in the kitchen and all the bathrooms. OVERSIZED THREE CAR GARAGE WITH STORAGE AND AN EV CHARGER OUTLET. 24 GUARD GATED COMMUNITY. Two Jack Nicklaus golf courses! Not a golfer? Enjoy pickle ball, tennis, bocce and many other activities.COUNTRY CLUB LIVING AT ITS BEST! 35 minutes to Sky Harbor and 20 minutes to Mesa Gateway airports. Club membership and amenities under a separate agreement. Buyer and/or buyer's agent to verify all pertinent information including square footage.
8008 E Del Plomo Drive
Scottsdale, AZ 85258
$1,899,000
3
Beds
2.5
Baths
2,480
SqFt
Status
Active
MLS #
6758399
Property Type
Single Family Residence
Price Type
--
Stunning completely remodeled luxury dream home in prime McCormick Ranch! High ceilings spacious naturally bright layout with new open kitchen, light wood floor ceiling custom cabinetry with professional designer finishes throughout. Large folding accordion patio door for entertaining, French white oak wood floors, butlers pantry, custom fixtures/lighting, doors, stainless appliances,hardware,quality finishes throughout and attention to details! Split bedroom floor plan with extra den office and private primary bedroom with gorgeous bathroom, 2 walk in closets, opens to back patio w views of gorgeous backyard/mountains. Cul de sac serene rare location-In a class all its Own! Don't miss this wonderful well crafted designer fabulous home in desirable McCormick Ranch ** See today!
7180 E Kierland Boulevard Unit 1115
Scottsdale, AZ 85254
$1,899,000
2
Beds
2
Baths
1,686
SqFt
Status
Active
MLS #
6606149
Property Type
Apartment
Price Type
--
Discover the pinnacle of contemporary living with spectacular and breathtaking views of the McDowell Mountains from this 11th floor penthouse. Floor to ceiling windows help showcase the incredible views. The penthouse features hardwood floors, an outdoor patio with gas stub out, motorized blinds, Bosch kitchen appliances and wine fridge. Primary bathroom features 48x24 inch slab tile and private water closet. Extra high ceilings accentuate the open floor plan with split bedrooms. The laundry room is large offering additional storage space. This penthouse comes with 2 parking spaces and an EV charger. Optima Kierland offers residents a luxurious lifestyle with unparalleled resort amenities, highlighted by the exquisite rooftop pool, along with a hot tub, cold plunge, steam and sauna, and outdoor kitchen and bar. The 1st floor gym is huge and state of the art. Indoor basketball and pickle ball courts complete the outstanding amenities at Optima Kierland Enjoy easy access to Kierland Commons, Scottsdale Quarter, and some of the city's finest restaurants and boutiques .This is more than just a home; it's a year-round vacation destination.
855 S Tall Timber Trail
Parks, AZ 86018
$1,899,000
6
Beds
3.5
Baths
4,075
SqFt
Status
Active
MLS #
6766887
Property Type
Single Family Residence
Price Type
--
Main home is 3,700 sq ft plus a separate Casita of 375 sq ft a total of 4,075 sq ft. Nestled on over 11 acres of pristine land surrounded by National Forrest with breathtaking views of Sitgreaves Mountain, this exceptional one-of-a-kind equestrian estate offers unparalleled privacy. Perched on a raised lot amidst towering pines, enjoy complete seclusion while being just 20 minutes from all of the amenities of Flagstaff. A short drive to popular attractions like Snowbowl, The Grand Canyon, Bearizona, Kaibab Lake, Kendrick Peak and Historic Route 66 in Williams, it's perfectly positioned for adventure. On-site, enjoy your own private sledding hill, fire pit, side-by-side track, while the property's updated barn, three corrals and round pen make it an ideal equestrian haven Step right off the property onto hiking and horse-riding trails in the national forest or explore over 300 miles of UTV trails. Fully remodeled with meticulous attention to detail, the home boasts a stunning kitchen featuring semi-custom Thomasville soft-close cabinetry, a vibrant kitchen island, 60-inch Italian Hallman gas range, GE Profile stainless steel appliances w/oversized walk-in pantry. Luxury throughout w/heated floors, high-end shutters, modern light fixtures, high-efficiency windows, smart thermostats and custom Roman shades. The inviting great room, complete with a cozy, high-efficiency fireplace, French doors and mountain views, leads to the back patio, a charming sitting room, a lavish ensuite w/natural stone flooring, jetted soaking tub w/view, and walk-in closet. Upstairs, you'll find four generously sized bedrooms, each outfitted with blinds and ceiling fans for comfort. The property continues to impress with a fully remolded barn/RV Garage/workshop w/200amp service that includes a studio apartment complete with a kitchenette & bathroom, plus a greenhouse for year-round gardening. This one-of-a-kind home combines luxury and nature, offering the ultimate retreat. Plus 14 security cameras covering the property including the interior and exterior barn/crawl space and garage! Hauled Water w/large 10,000-gallon cistern and oversized septic tank fully serviced in 2021.
18841 N 94th Way
Scottsdale, AZ 85255
$1,899,000
4
Beds
3.5
Baths
2,906
SqFt
Status
Active
MLS #
6768392
Property Type
Single Family Residence
Price Type
--
MOUNTAIN VIEWS. Step into this beautifully renovated mountain view home, designed by award-winning LONDON PIERCE DESIGN in Scottsdale with meticulous detail and high-end finishes: Chef's Kitchen with an oversized Butler's Walk-In Pantry (hidden behind the kitchen wall). Wine Room. Two (2) Laundry Rooms, Upstairs and Downstairs. Dazzling Goblet Chandelier. Top-Of-The-Line Appliances. Frameless Soft Close Cabinetry. Bianca Fina Quartz Countertops. 60'' Ignite Linear Electric Fireplace. Downstairs Guest En-Suite. Vaulted Ceilings. Natural Lighting Throughout. Separate Guest Powder Room. See-Through Glass Railing. Floating Vanities With Under Sink Lighting. Custom Lighting In Expansive Shower. All New Windows. Wide Plank White Storm Hardwood Flooring. 16' Sliding Doors To Backyard Oasis. Ancient Stone Pavers. Built-In BBQ And Bar Top Seating. Large Sparkling Pool. Putting Green. New Exterior Paint. New Interior Paint. All New Fixtures And Hardware. All New Can Lights And Ceiling Fans. New Double Entry Front Door. Level-5 Drywall. New Sprinkler Heads. Epoxy Garage. Audio-Visual System Pre-Wired With Cat6 Ethernet. Front Door Has Network Doorbell Camera. All Designed by an award-winning firm in the Valley with exceptional detail and high-end finishes. IRONWOOD VILLAGE, highly regarded, highly sought after. Added Privacy on 3 sides. Conveniently located near fashionable restaurants and shopping as well as the 101 loop. Trane HVAC Units, Roof Underlayment replaced in 2023. Pool Filter New 2022. See Documents for a complete listing of upgrades and improvements. Warranties available. Permits by Licensed GC.
12357 E Black Rock Road
Scottsdale, AZ 85255
$1,899,000
4
Beds
3.5
Baths
2,810
SqFt
Status
Active
MLS #
6764680
Property Type
Single Family Residence
Price Type
--
Opportunity knocks! If you want new construction in a premier guard gated Scottsdale community, you will not want to miss this fully furnished, single level home with no steps, built in 2022. This home is move in ready with after market upgrades, landscaping, TVs & blinds installed and included.. Quality Toll Brother's construction with desirable great room floor plan that boasts plank tile flooring, a floor to ceiling tiled gas fireplace and stackable door to the patio for easy indoor/outdoor living. The upgraded kitchen will not disappoint with floor to ceiling cabinetry, Wolf/Sub-Zero appliance package and oversized center island. The Primary suite is split from the other 3 bedrooms. The ensuite has an attached sitting room and is perfect for short of long term guests. The backyard is low maintenance with synthetic grass and a deep covered patio that works perfect for Arizona indoor/outdoor living at its finest. There is a single and 3 car garage for a total of 3 spaces. There is an electronic charger already installed in the 2 car garage. Life the life you have always dreamed of surrounded by the beauty of the McDowell Sonoran Preserve with easy access to hiking and mountain biking trails as well as a state-of-the-art clubhouse with 2 pools, fitness center, steam room, and restaurant just minutes from your front door.
6413 N 31st Street
Phoenix, AZ 85016
$1,899,000
3
Beds
3.5
Baths
3,616
SqFt
Status
Active
MLS #
6761884
Property Type
Single Family Residence
Price Type
--
PRICED TO SELL! Welcome to this timeless, contemporary, and completely reimagined Biltmore Hillside Villa, boasting over $500K in interior/exterior renovations and premium upgrades. Step inside and be greeted by soaring ceilings that offer bright, natural light throughout the open living spaces. Discover the thoughtfully and totally reconfigured kitchen, featuring a massive center island, state-of-the-art appliances, gas cooktop, custom hood, and a window package with manual, remote, and smart-controlled operation. The elegantly designed wet bar with oversized wine fridge, ice maker and sink provide ample space for additional entertaining. An oversized walk-in butler's pantry has been added and includes a center island for additional storage and convenience. Oversized Belgian bluestone tile flooring leads you to the updated bonus room and completely transformed powder room. Upstairs you'll find additional, significant renovations and upgrades, including the conversion of a Jack and Jill bath into private en suites, and ample walk-in closet spaces. The conveniently located and oversized laundry room includes an abundance of floor-to-ceiling cabinetry and built-in storage. Enter the luxurious primary suite with its spacious walk-in closet and indulgent, spa-like bathroom, complete with coffee bar and beverage fridge. The jaw dropping oversized shower, soaking tub, vanities, and makeup station provide the ultimate retreat for relaxation and rejuvenation. The serene backyard has been completely transformed into a peaceful retreat with new pool, elegant limestone decking, turf accents, and newly built gas BBQ station, perfect for quiet relaxation or private outdoor entertaining. Recap the day, tell stories, and share memories by the new built-in gas firepit or under the covered patio. 24/7 guard-gated security; exclusive access to hiking trails on Piestewa Peak; minutes from the Biltmore Resort, golf courses and new clubhouse, and some of the Valley's hottest and world renown restaurants and retail destinations; adjacent to Paradise Valley, yet centrally located with easy access to SR-51, Downtown Phoenix, North Scottsdale, Old Town Scottsdale, and Phoenix Sky Harbor Airport. Just to name a few, these are some of the reasons this highly sought-after community is the ultimate in luxury living.