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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12312 E Shangri La Road Scottsdale, AZ 85259

$4,150,000

6 Beds

8 Baths

6,657 SqFt

Status Active

MLS # 6719813

Property Type Single Family Residence

Price Type --

Immaculately remodeled and upgraded in 2022 to embody the finest elements in today's trends, this 6,650+ square foot cul-de-sac home is spread over 1.3 acres, with an open NAOS space and mountain views - making this your very own expansive and private compound . Breathtaking Desert Contemporary AZ Estate, (AVAILABLE TURN KEY FURNISHED) combines modern elegance with the highest standards of sophisticated living. Designer Details flourish both inside/out, peaking in architectural accomplishment, blending modernity with the natural aspects that surround it. A heated pool/spa, expansive covered lanai built with entertainment in mind - w/space for over 100 people, full outdoor kitchen that redefines luxury lifestyle in every way. The 6 bed/8 bath interior exudes a luxury resort ambiance. With volume ceilings, hardwood floors, and dramatic wall and ceiling details that flow harmoniously throughout the main living areas. The exquisite quartz stone countertops complement the expansive executive chef's kitchen custom island, cabinetry, and Wolf appliances - which include a double fridge and freezer, and 60-inch range, with multi addition overs. 2 primary en-suites in addition to all bedroom en-suites, primary includes a private paradise featuring separate his/her baths, 10-foot walk-in shower and huge h/h closets and dramatic bathroom finishes, a freestanding tub, and morning bar. Additional features include Media/theatre with full quartz countertops, Wet bar and wine refrigerator, additional space for 25x25 casita, 3 fireplaces, oversized 6-car garage. Come see for yourself and enjoy this indoor/outdoor luxury experience in the heart of Scottsdale. NO HOA!

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21168 W Granite Ridge Road Buckeye, AZ 85396

$4,140,000

5 Beds

6 Baths

7,200 SqFt

Status Active

MLS # 6516382

Property Type Single Family Residence

Price Type --

Welcome to the glass house. Nestled within the breathtaking White Tank mountains, this elevated mountain side modern estate is in a league of its own. Boasting unparalleled views of the Golf Course, White Tanks, and Sparkling City Lights. This glass stunner offers every conceivable modern luxury. Chef's Kitchen, Cinema, Gym, Elevator, Resort-Style Infiniti Pool with an under water window that looks into the game room, 20 person Spa, Over 130' of glass walls for seamless indoor/outdoor living. Indoor Basketball Court doubles as a Night Club with state of the art lighting, audio and a suspended platform for the DJ. Private courtyard includes a pristine turf area, a half pipe and two in ground trampolines. All three rooms on the first floor have walk-in closets with their own private laundry. Owners suite with 32' of glass door walls allows you to step directly onto the balcony, pool or spa deck, and has dramatic views of the golf course, mountains and city lights, it also has a two story Chanel inspired closet, soaker tub in front of massive corner picture windows, luxurious walk-in shower and dual commodes. The resort inspired guest rooms (accessible) from the elevator have walk-in showers and soaker tubs that look out onto the golf course. The sports court has a rock climbing wall with two auto belays and has a discreet in wall net system for volleyball and pickleball. Estimated completion is October 2024. Owner Agent

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3831 E Huber Street Mesa, AZ 85205

$4,100,000

6 Beds

7 Baths

10,418 SqFt

Status Active

MLS # 6707677

Property Type Single Family Residence

Price Type --

Experience the epitome of luxury living in this Tuscany-inspired custom basement home nestled on a private 2.1-acre lot. Boasting 6 bedrooms (Guest house with full kitchen), 7 bathrooms, and a 5-car garage, this residence offers unparalleled comfort and elegance. Entertain guests in style with a diving pool, grotto, waterfall, expansive gazebo with BBQ, and a rooftop deck showcasing panoramic views. Delight in the golfer's paradise putting green amidst citrus trees and an original windmill. The chef's kitchen is fully equipped with top-of-the-line appliances. Descend into the basement via indoor stairs, outdoor stairs, or an indoor elevator leading to a movie theater, built-in bar, game room, wine cellar, and living room. This home redefines the Irrigated horse property luxury living.

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15883 N Silent Moon Lane Prescott, AZ 86305

$4,100,000

3 Beds

3.5 Baths

4,037 SqFt

Status Active

MLS # 6781256

Property Type Single Family Residence

Price Type --

Discover unparalleled luxury in this 2023 custom-built home by Wind Dancer Construction. Nestled on 2 acres backing to State Trust Land. Enjoy breathtaking Northwest Valley views from an expansive floor plan filled with high-end finishes, including a custom Williamson Valley Black Walnut front door, hand-hewn Montana wild wood beams, 10'' engineered hardwood floors & lighted art niches throughout. Indulge in your own private spa featuring granite countertops, elegant granite accent inlay & a spacious walk-in shower. A wine lover's dream with two EuroCave wine towers, perfect for showcasing your collection. Experience breathtaking views from exceptional outdoor living spaces, including an upper deck with a built-in fireplace and a lower patio with a cozy fire pit, perfect for relaxing or entertaining. This home is truly exceptional, offering the perfect blend of luxury and comfort. Talking Rock is a 24-hour staffed gated private community for members only. Amenities include our award-winning Jay Morrish designed Golf Course, Fitness Barn, Ranch House Restaurant and Bar, Coop's Coffee House, Racquet Sports Courts, Dog Park, Community Garden, and over 14 miles of hiking and biking trails.

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E Assisted Living Drive Scottsdale, AZ 85260

$4,000,000

11 Beds

10 Baths

4,302 SqFt

Status Active

MLS # 6785916

Property Type Single Family Residence

Price Type --

Discover a truly one-of-a-kind investment! This massive private Scottsdale estate offers luxury assisted living in a highly sought-after location near Hospital, Mayo Clinic, top rehabilitation centers, and other essential medical and emergency services. Licensed for 10 residents in home, with each resident enjoying private living accommodations. 24/7 care provided by state-certified caregivers, ensuring round-the-clock support for all resident needs, including assistance with eating, dressing, bathing, medication, & more. Daily home-cooked meals with options for dining assistance and specialized diets. Lush, green landscaping with serene fountains, walking paths, and beautifully maintained gardens. Immaculately maintained properties, fully occupied with long-term residents. A guest house on-site, rented to staff for additional income. Energy-efficient property equipped with solar power. This rare property is an excellent opportunity for anyone looking to invest in a thriving assisted living business in a prime Scottsdale area.

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9143 E La Junta Road Scottsdale, AZ 85255

$4,000,000

5 Beds

6 Baths

5,569 SqFt

Status Active Under Contract

MLS # 6778028

Property Type Single Family Residence

Price Type --

A New Construction contemporary masterpiece nestled within prestigious Solitude, North Scottsdale awaits the discerning buyer. Built in 2024 and spanning over 5500 square feet with a separate casita, this architectural beauty designed by Swaback Architects and built by Sonora West Development, blends seamlessly with the desert landscape offering clean lines and a sophisticated façade that captures your attention, promising a home that is as stunning inside as it is out. The modern minimalist, open concept interior welcomes you with soaring ceilings, oak wood floors, custom chandeliers and high-end finishes throughout with over $895k in upgrades. Smart Home technology ensures every detail of modern living is at your fingertips, with an integrated audio visual system. More... A custom 490-bottle wine wall adds a touch of elegance in the entry and dining space of the home. The retractable doors leading to the exterior living space with a South facing backyard, mountain views. Enjoy the chilly Arizona evening with the in ceiling heaters and entertain with al fresco dining with a custom built in bar b que.

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202 Calle Diamante -- Sedona, AZ 86336

$4,000,000

4 Beds

4 Baths

4,601 SqFt

Status Active

MLS # 6753553

Property Type Single Family Residence

Price Type --

Stunning custom home built in 2022 in the gated community of Casa Contenta. If you're looking for views, this is the home! From the moment you open the front door you will understand why this home is special. Light, bright, and open floor plan on the main level. Sliders lead you to an expansive patio that runs the width of the house with a covered BBQ area and overhead heater for those chilly Sedona evenings. Master shares a similar view with Jacuzzi tub, walk in shower, dual sinks, makeup area, and lastly a large closet with extensive build-outs. The downstairs area offers you a multitude of functionality. These 2 rooms can be bedrooms or a game room, media room, and/or office. Once you step into the backyard you will be blown away by the finishes. Beautiful red rock streaming fountain, built in gas fire pit, pavers, artificial turf, and a putting green. Plenty of covered patio with surround sound and a hot tub with miles of unobstructed views. Owner Agent. Some personal property available with separate bill of sale.

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5101 N Casa Blanca Drive Unit 301 Paradise Valley, AZ 85253

$4,000,000

2 Beds

2 Baths

2,000 SqFt

Status Active

MLS # 6751923

Property Type Townhouse

Price Type --

Situated on a detached corner parcel for maximum privacy inside coveted Historic Casa Blanca Phase 3 lies this stunning Spanish/Moroccan contemporary with soaring views of Camelback and beautiful sunsets. Low care manicured landscaping complete with stone fountain and outdoor fireplace, 2 car garage, prime location for safety and tranquility. High ceilings with brand new Lutron lighting system, automated shades, everything new to the studs. Custom Thermador appliances. Marble and quartz counters, lots of natural light, soft oak floors and generous primary. Truly turnkey complete with an added custom built bar. Rich, timeless & elegant, enjoy tennis, pickleball, and 3 heated pools in the convenience of a manned guard gate. Minutes from Fashion Square Mall on most desirable street in PV. Paradise Valley's best shopping and restaurants.

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9215 E Red Lawrence Drive Scottsdale, AZ 85262

$4,000,000

4 Beds

4.5 Baths

5,343 SqFt

Status Active

MLS # 6777014

Property Type Single Family Residence

Price Type --

This charming Lash McDaniels design home is nestled within the community of Carefree Ranch yet within close proximity of the gate. You are welcomed with a mix of warm earthy tones, a weathered brick accents and inviting wood courtyard gates. As you enter the home, you're greeted by a spacious foyer adorned with vintage decor and soft lighting. The living room boasts large windows flooding the space with natural light all while highlighting the warm wood details and cozy fireplace. Entertain family and friends in the intimate elevated formal dining room. The kitchen combines modern appliances with rustic cabinetry, creating yet another warm and inviting space which flows seamlessly into the breakfast area and family room. A cozy office with custom wood doors is a quiet oasis and just steps away from primary suite which features another inviting fireplace, sitting area and stunning views. On the opposite wing you will find two comfortable bedrooms, each with its own unique character and ample storage space. The private separate guest castia is sure to please all your guest with kitchenette and forever views. The patio spaces are a serene oasis with private pool and spa, multiple sitting areas, large fireplace and built in BBQ; relax and enjoy the amazing Arizona sunsets and stunning city iight views.

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10537 E Mariola Way Scottsdale, AZ 85262

$4,000,000

5 Beds

5.5 Baths

6,012 SqFt

Status Active Under Contract

MLS # 6775444

Property Type Single Family Residence

Price Type --

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24715 N 90th Way Scottsdale, AZ 85255

$4,000,000

3 Beds

4.5 Baths

4,734 SqFt

Status Active Under Contract

MLS # 6781426

Property Type Single Family Residence

Price Type --

Spectacular contemporary masterpiece built in 2022 by Sonora West Development and designed by Swaback Architects. This home is ''model perfect''and located in the prestigious gated community of Solitude in NE Scottsdale on a quiet N/S cul-de-sac lot. Breathtaking mountain & sunset views enjoyed from the luxurious backyard retreat with fully retractable 90 degree glass panel doors that merges indoor/outdoor living seamlessly. This home boasts soaring ceilings, an open concept w/clean lines and modern architect, wide plank wood flooring, high-end finishes, chandelier and upscale lighting that creates an atmosphere of sophistication and style along w/functionality. This 4734 square foot home offers 3bdrm/4.5 bath plus office/den and is designed to perfection. The backyard is a true ... oasis featuring thoughtfully designed mature landscaping, a beautiful pool, a cozy fire-pit conversation area, a large expansive patio, built-in BBQ, and multiple seating areas, all ideal for entertaining and relaxing. This exceptional property embodies the best of Arizona living and lifestyle and an entertainer's dream.

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14675 E Paradise Drive Fountain Hills, AZ 85268

$4,000,000

4 Beds

5.5 Baths

7,624 SqFt

Status Active Under Contract

MLS # 6774625

Property Type Single Family Residence

Price Type --

VIEWS, VIEWS, VIEWS!! Celebrate the good life in this spectacular custom sanctuary and bask in stunning city light views, sensational sunsets and pristine mountain vistas in every direction. This timeless single story, European inspired, Tuscan home is warm and inviting, and it is thoughtfully designed with luxurious finishes and superior craftsmanship throughout the property. The well-appointed gourmet kitchen anchors the home, boasting an over-sized island and plenty of counter space for cooking with family and entertaining friends. Hand hewn beams, accent lighting, custom cabinetry, a large walk-in pantry and top-of-the-line appliances with a built-in pizza oven, complete the package.

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