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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Munds Park AZ 86017

$1,495,000

3 Beds

6 Baths

4,000 SqFt

Status Active

MLS # 6772459

Property Type Single Family Residence

Price Type --

Currently a restaurant but was formerly a single- family residence. Could be changed back to residential and you would have a sprawling estate.

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27722 E Mount Ord Drive Fort Mcdowell, AZ 85264

$1,495,000

3 Beds

2.5 Baths

3,083 SqFt

Status Active

MLS # 6667696

Property Type Single Family Residence

Price Type --

Welcome to this stunning southwestern home in Sunflower, AZ, offering the perfect blend of comfort & luxury. Nestled in a private gated community, this property boasts breathtaking mountain views and enjoys the great climate of Sunflower. This home features 3 bedrooms, 2.5 bathrooms, a bonus room, providing ample space for relaxation. The open-concept living area is perfect for hosting gatherings, while the well-appointed kitchen, complete with modern appliances and a spacious island. Outside the property spans 5.22 acres across 3 parcels, making it ideal for horse enthusiasts. The property includes grass paddocks, corrals & hay storage, Solar Electrical System, Community well, whole home off grid.

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5632 E Emile Zola Avenue Scottsdale, AZ 85254

$1,495,000

4 Beds

3 Baths

2,934 SqFt

Status Active

MLS # 6781991

Property Type Single Family Residence

Price Type --

Welcome to Your Dream Home in 85254! Back on the market and better than ever, this beautifully remodeled 4-bedroom, 3-bathroom home boasts 2,934 sq. ft. of luxury living right across from Sereno Park! This meticulously designed home features a grand, vaulted living room with authentic wood beams, creating a warm and inviting space perfect for relaxation or entertaining. Two primary suites offer ultimate privacy, each with its own spa-like bathroom and generous closets. The heart of the home extends to a stunning backyard oasis on a sprawling 1/3-acre lot. Dive into the sparkling pool, fire up the outdoor kitchen, and enjoy endless Arizona sunsets in style. Don't miss this reimagined gem - set your private tour today and see what makes this home so special!

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7180 E Kierland Boulevard Unit 509 Scottsdale, AZ 85254

$1,495,000

2 Beds

2 Baths

1,511 SqFt

Status Active

MLS # 6731549

Property Type Apartment

Price Type --

Welcome to Optima Kierland turn-key luxury Living. This Beautiful East Facing Unit offers spectacular views along with all the amenities & location, location! Enjoy an open floor plan with lots of space. The split floorplan offers expansive windows & walk-in closets in each suite. The outdoor patio is a wonderful place to watch the sunrise or relax in the evening. This unit includes a storage unit located on L3. Optima Kierland has amazing amenities. Rooftop Pool & Spa with scenic views of Mountains and City lights. Walking/jogging track on the rooftop. The world-class fitness center, golf simulator, 2 yoga studios, indoor basketball/pickleball & more. Shopping & Dining within walking distance.

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15407 N 19th Street Phoenix, AZ 85022

$1,495,000

4 Beds

4 Baths

4,100 SqFt

Status Active

MLS # 6766954

Property Type Single Family Residence

Price Type --

PANORAMIC MOUNTAIN VISTAS surround this refined remodel in a secluded cul-de-sac w/Phoenix Mountain Preserve trail access. Savor the sunrise& sunset from covered front & back patios of the hillside ACRE+ lot dressed in new landscape. Contemporary eat-in kitchen boasts professional appliances and sleek quartz counters. Relax away the day in the main suite w/stunning views, patio exit, soak tub. Two addt'l en-suite bedrooms w/walk-in closets. Built-in bar and yard entry set the stage for fun in the family room. Bonus multi-use den. Vaulted ceilings, wide-plank flooring, neutral paints, tasteful fixtures. Masterful split plan w/central great room enjoys a wall of sliding glass exits to the expansive tiered yard. Large lawn opens to pickleball court and spacious lower level w/room for a pool. -

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14503 N Adero Canyon Drive Fountain Hills, AZ 85268

$1,495,000

3 Beds

3.5 Baths

2,583 SqFt

Status Active

MLS # 6767292

Property Type Townhouse

Price Type --

Nestled in the serene enclave of Adero Canyon in Fountain Hills, this brand-new home epitomizes upscale, ''lock and leave'' living. Designed for those who appreciate both luxury and low maintenance, this residence offers sleek, contemporary architecture along with expansive windows and doors, creating a feeling of both privacy and views. The residence is sited on one of the highly preferred, elevated private lots as it backs to the preserve and hills, with no neighbors behind. High-end finishes, open concept living spaces and smart home features complete this modern oasis, making it an ideal retreat for those seeking a balance between sophistication and convenience. With two en-suite bedrooms and study/office in the main residence, plus separate entry casita and upgraded patio yard with spool, no detail has been forgotten in this picture-perfect home!

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4825 N 72nd Way Scottsdale, AZ 85251

$1,495,000

3 Beds

3.5 Baths

2,235 SqFt

Status Active

MLS # 6780709

Property Type Townhouse

Price Type --

Welcome home to your jewel box in the heart of Scottsdale's high-profile 85251 zip code! This modern masterpiece sits in Royale Gardens, a lush and tranquil tree-lined community reminiscent of Old Hollywood. Completely redeveloped from the foundation up and featuring both Scandinavian and contemporary design, this custom two-story residence features a rare 3 bedroom, 3.5 bathroom layout that is both spacious and perfect for entertaining. Stunning from the finest materials used, including imported hardwood floors, floating staircase, glass enclosed showers, recessed LED lighting, marble bathrooms, and a world-class gourmet kitchen with Sub-Zero integrated refrigerator and Corian countertops.

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2549 W Shinnecock Way Anthem, AZ 85086

$1,495,000

3 Beds

3.5 Baths

3,736 SqFt

Status Active

MLS # 6782138

Property Type Single Family Residence

Price Type --

STUNNING CITY LIGHT, SUNSET & MOUNTAIN VIEWS!! This updated Castile floor plan offers 3 en suite bedrooms, den & 3.5 baths. Remodeled Chef's Kitchen includes huge island, granite counters, stainless KitchenAid appliances including gas cooktop, wall ovens & built-in refrigerator. Kitchen opens to spacious family room. Primary suite includes sitting area, private patio, dual vanities, oversized tub, walk-thru shower & double walk-in closets. Backyard features new limestone pavers, synthetic turf, spa with ramada & elevated sitting area!

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1424 E Arabian Court Gilbert, AZ 85296

$1,495,000

6 Beds

4.5 Baths

4,639 SqFt

Status Active

MLS # 6776166

Property Type Single Family Residence

Price Type --

Exceptional multi gen living in central Gilbert, on a culdesac! Single level luxury home on almost an acre with guest house, pool w/ rock waterfall, additional spa/pool, gas fire pit, sport court, and more. 3 car garage w epoxy floor. PLUS, detached 2+ car garage / shop & FULL 950 sq. ft. casita (incl. in sq ft). Pavered walkway / side drive. Double front doors open to formal living room & separate dining room with plantation shutters. 10 ft ceilings & crown molding throughout. Dream kitchen with stainless steel appliances, double ovens, trash compactor, oversized island, walk-in pantry, breakfast room and white raised cabinets. Separate bar, complete with wine refrigerator. Master suite w/ French doors + private exit. Master bath has brand new tiled shower, quartz counters & Jacuzzi tub. Newly remodeled secondary bathrooms have never been lived in! Secondary baths also include quartz countertops w/ double sinks. Use front bedroom as a home office or a bedroom. Middle bedrooms complete with desks, cabinets and closet built-ins. Back bedroom functions as either a home theater (screen & projector convey) or bedroom. RV gate is electric / solar powered. Newer solar tubes provide additional interior light. Guest house / casita / pool house was built in 2017 and includes: cork flooring throughout, granite countertops, a murphy bed / shelving in the living room, built-in desk in master bedroom, tankless hot water heater and full laundry room (washer / dryer convey). Beautiful full-wall slider leads to pool. Horse privileges allow for up to 3 horses to be kept on property and / or house up to 2 horses at the community stables (at 435 S. Granite St.) for a small fee. Unique equestrian community in the heart of Gilbert, complete with bridle paths for walking and / or riding horses. LOCATION, LOCATION, LOCATION!!!

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38424 N 69th Street Cave Creek, AZ 85331

$1,495,000

4 Beds

4 Baths

3,205 SqFt

Status Active Under Contract

MLS # 6769291

Property Type Single Family Residence

Price Type --

DON'T MISS THIS STUNNING & IMMACULATE CUSTOM HOME IN TOWN OF CAVE CREEK! STUNNING & IMMACULATE 4 BD/4 BATH/3+ CAR GARAGE IN GREAT LOCATION OF CAVE CREEK! SOARING CEILINGS!GREAT ROOM FLOORPLAN! ALDER WOOD CABINETS & DOORS;FIREPLACE IN GR;GRANITE COUNTERTOPS;CHEF'S KITCHEN WITH SS APPLIANCES!PANTRY;EAT UP BAR;EAT IN KITCHEN & FORMAL DR W/BUILT IN BEAUTIFUL HUTCH.SPRAWLING PRIMARY BR /SPLIT FLOORPLAN ~ ALL ONE LEVEL. ON DEMAND HOT WATER;UNBEATABLE MOUNTAIN & SUNSET VIEWS! BACK PATIO IS PERFECT FOR ENTERTAINMENT;BUILT IN BBQ;HEATED SPOOL;JACUZZI HOT TUB; HUGE COVERED PATIO W/TV~SITTING AREAS. LUSH LANDSCAPING!FRUIT TREES!OVERSIZED 3CG W/BUILTINS & SHOP AREA- CLOSE TO TOWN FOR ALL THE AMMENITIES YOU COULD WISH FOR!

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10959 E Kora Lane Scottsdale, AZ 85255

$1,495,000

4 Beds

2.5 Baths

2,787 SqFt

Status Active

MLS # 6720593

Property Type Single Family Residence

Price Type --

This single level home is located within private guard gated Cimarron Hills. Its split floor plan includes a separate living and dining room and family room that opens to the center island kitchen w/Alder cabinets. The primary suite includes a nice bath with separate ceramic tiled shower, tub, double sinks and a walk-in closet. The home includes plantation shutters and a computer work or study station outside the guest bedrooms. The covered patio overlooks the low maintenance yard with a heated pool and spa. The 3 car garage includes built-in storage cabinets.

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3513 N Pinto Lane Scottsdale, AZ 85251

$1,495,000

3 Beds

3 Baths

2,511 SqFt

Status Active

MLS # 6769877

Property Type Single Family Residence

Price Type --

If it's lifestyle you are looking for, this is the place for you! This exquisitely remodeled home in Scottsdale is walking distance or a short bike ride from all the best shops and entertainment in Old Town Scottsdale and all that Arcadia has to offer! Attention to detail is the hallmark of this gorgeous 3 bedroom/3 bath home, and at over 2500 feet, it lives like a resort. This chef's kitchen is not only beautiful but functional and features quartz countertops, stainless steel appliances, and a large kitchen island where everyone gathers. The luxurious primary suite is an ideal retreat with a large walk-in closet and bathroom that feels like your own private spa featuring double vanities, free-standing tub and dual shower heads. The bonus family room with a built-in bar makes for great entertaining/tv space and opens to the private oasis in back! The resort-style backyard with built-in barbeque, sparkling heated pool and hot tub make for the perfect gathering space, ideal for entertaining and enjoying Arizona's sunny weather. Find yourself living your best life in this immaculate Scottsdale jewel!

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