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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1539 W Mulberry Drive Phoenix, AZ 85015

New

$630,000

3 Beds

2 Baths

1,848 SqFt

Status Active

MLS # 6785229

Property Type Single Family Residence

Price Type --

Alert! - Historic Home Lovers - Own in a sought after North Encanto neighborhood. This 1940's brick stunner in Truman Terrace has all the right updates while maintaining its unique characteristics and quaint, subtle charm. Split primary bedroom has plenty of natural light. Large and lush backyard with a covered patio designed for parties. Need parking? Got you covered with a two car garage and a carport. Additional hideaway-like patio off secondary bedroom. Living room AND family room for that extra needed space. The kitchen has plenty of prep area, gas cooking, pantry, and still holds it's original charm while lacking the cramped feels of some older homes. Secondary bedrooms are both roomy, Charmingly updated hall bathroom. Additional garden storage space and walk in tool shed out back.

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5966 W Aurora Drive Glendale, AZ 85308

$630,000

4 Beds

3 Baths

2,676 SqFt

Status Active

MLS # 6679878

Property Type Single Family Residence

Price Type --

Freshly Painted!! Amazing 4-bed, 3-bath home in the highly sought-after Arrowhead Ranch New Legends Community! Come inside to a graceful entryway, a dramatic spiral staircase, & elegant chandeliers. Hardwood floors, high ceilings & plantation shutters. accentuate the formal dining/living room. Gas fireplaces in the family room & loft for make those cozy memories with the family magical. Kitchen has built-in appliances, a center island, and a breakfast bar with granite counters . The spacious master bedroom boasts high vaulted ceilings, & the master bath w/dual sinks, seperate tub and shower & walk-in closet. Bedroom & bathroom downstairs convienience for the guests! Peaceful backyard offers a covered patio, and shade trees.

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6565 E Thomas Road Unit 1119 Scottsdale, AZ 85251

$630,000

3 Beds

2 Baths

1,569 SqFt

Status Active

MLS # 6720107

Property Type Townhouse

Price Type --

Modernly remodeled, newer built townhome IN the HEART of it all AND has it all! 3 beds, 2 baths, an open, split floorplan, elegant white marble-tile throughout, it has an entertainers delight kind-of-feel w/ a grand kitchen, extra wide island & sink, stunning white/gray/black granite countertops, classic gray tiled backsplash & flat white wood cabinetry. Light & bright with updated lighting, crystal chandeliers & ceiling fans in every room. Chill outside on your 2 private balconies, keep 2 cars cool in your garage. Diamante is a gated community with a huge sparkling pool- heated in the wintertime & always hot jacuzzi. Close to Old Town Scottsdale restaurants, bars & shopping, airport, 3 major freeways, golf, hiking mountains, Spring Training, Phx Open, Barrett Jackson & other AZ events.

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2677 E Ficus Way Gilbert, AZ 85298

$630,000

3 Beds

2 Baths

2,249 SqFt

Status Active

MLS # 6742444

Property Type Single Family Residence

Price Type --

. Welcome to your new oasis in Gilbert! This delightful 3-bedroom, 2-bathroom home is perfectly situated near the serene Gilbert Regional Park, offering both tranquility and convenience. As you step inside, you're greeted by light-filled, spacious rooms featuring plantation shutters.The perfect floor plan includes a formal living room, dining room, and a separate den. You'll love entertaining in the open-concept island kitchen, a gas stove, and an inviting family room that overlooks a serene patio. The patio, with pavers and mature professional landscaping, includes a built-in gas BBQ, making it ideal for summer barbecues and outdoor gatherings.The spacious master suite is a peaceful retreat. some photos are virtually staged!

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6565 E Thomas Road Unit 1041 Scottsdale, AZ 85251

$630,000

3 Beds

2 Baths

1,548 SqFt

Status Active

MLS # 6754945

Property Type Townhouse

Price Type --

Discover your dream condo with both luxury and convenience in the sought-after gated Diamante Community in Scottsdale! This spacious 3-bed, 2-bath home offers 1,548 square feet of open living space with a desirable split floor plan. The living room provides stunning, unobstructed views of Camelback Mountain, perfect for enjoying Arizona's beautiful sunsets. The updated kitchen features stainless steel appliances and granite countertops while the primary suite includes a walk-in closet for ample storage. This unit includes a 2-car attached garage and access to community amenities, including a pool and BBQ areas. Ideally located in between Old Town Scottsdale (2 mi), Camelback Mountain (3 mi), Arcadia (1 mi), the Arizona Biltmore (6 mi), ASU (4 mi), & Sky Harbor International Airport (5 mi)

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10489 E Topaz Circle Scottsdale, AZ 85258

$630,000

2 Beds

2 Baths

2,041 SqFt

Status Active Under Contract

MLS # 6754335

Property Type Single Family Residence

Price Type --

Fantastic location for 55+ adult community patio home in Scottsdale Ranch. Great corner lot, all 1 level, great bones, wonderful opportunity to customize to your preferences for this spacious 2 bedroom plus den home. Community amenities include heated pools, tennis courts and close proximity to Scottsdale Senior Center.

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2583 S Quaintance Street Gilbert, AZ 85295

$630,000

3 Beds

2.5 Baths

1,862 SqFt

Status Active

MLS # 6774352

Property Type Single Family Residence

Price Type --

Gorgeous home in the sought-after Cooley Ranch community! This light & bright home with soaring ceilings offers an open concept floor plan, neutral pallet, wood-look tile flooring, recessed lighting, & sleek modern finishes throughout. The gourmet kitchen boasts granite counters, a gas stovetop, top-notch stainless steel appliances, RO System, & a walk-in pantry. Unwind in your primary retreat boasting an impressive bath with dual vanities & a walk-in shower. Enjoy AZ living in your updated backyard with a covered patio, pavers & synthetic grass. 2-car garage & tankless water heater. You'll love this private community with amenities like biking paths, pool, rec center, sports courts, & more. Prime Gilbert location with quick access to highways, schools, shopping & dining!

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26207 N 47th Place Phoenix, AZ 85050

$630,000

4 Beds

2.5 Baths

2,359 SqFt

Status Active

MLS # 6773215

Property Type Single Family Residence

Price Type --

HUGE PRICE REDUCTION!! Seller has drastically reduced the price for an exceptional deal!!! Welcome home to gorgeous Tatum Highlands, located about 4 miles north of Desert Ridge Marketplace! Paradise Valley School District! This home has been maintained and cared for impeccably. Enjoy the views from the walk out balcony off the extra large primary bedroom. Beautiful bamboo wood and tile floors throughout! Laundry room is conveniently located upstairs on same level as the bedrooms! Beautiful double French Doors lead out to the backyard. No home behind you! This cul-de-sac home is ready to be YOUR HOME! A must see!

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1458 E Black Diamond Drive Gilbert, AZ 85296

$629,999

3 Beds

2.5 Baths

2,185 SqFt

Status Active

MLS # 6780772

Property Type Single Family Residence

Price Type --

Seller Concessions Available! Welcome to 1458 E Black Diamond! This spacious 3 Bed, 3 Bath home includes a 2-car GARAGE and a high VAULTED ceiling in the main living area. Tile and luxury vinyl plank flooring throughout, new carpet upstairs, granite countertops, ceiling fans, NEWER appliances, Washer/Dryer Hookups, and more! Huge master bedroom, bonus room, and FRESH PAINT. Outside - a larger than usual CORNER LOT with a HUGE backyard, fruit trees, and desert landscaping. PAID-OFF SOLAR at close! Nearby - you're within walking distance to multiple parks, Fry's, and Home Depot (3 mins); Gilbert Riparian Reserve, Cosmo Dog Park, Costco (7 mins); Downtown Chandler and San Tan Village (12 mins); golf courses; and have easy access to Loop 202.

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17375 N 10th Street Phoenix, AZ 85022

$629,999

3 Beds

2.5 Baths

2,610 SqFt

Status Active Under Contract

MLS # 6766700

Property Type Single Family Residence

Price Type --

Take pride in residing in this highly upgraded home in Villas at Trellis! Appealing interior boasts clean lines that promote a modern feel! Abundant natural light graces the open floor plan paired w/hardwood flooring, crown moulding, surround sound, & wide sliding glass doors to the back patio. Lovely kitchen provides recessed & pendant lighting, SS appliances, ample cabinetry, subway tile backsplash, a pantry, & a butcher block prep island w/a breakfast bar. Make the flexible den & loft a study or TV area. HUGE main retreat offers plush carpet & an ensuite comprised of two vanities, make-up desk, large shower w/a drying area, & a walk-in closet. Fabulous backyard comes w/a covered patio perfect for relaxing or throwing a barbecue and enough space for fun get-togethers. Don't miss it!

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7833 E Obispo Avenue Mesa, AZ 85212

$629,998

4 Beds

2 Baths

2,532 SqFt

Status Active Under Contract

MLS # 6775630

Property Type Single Family Residence

Price Type --

NEWLY RENOVATED ON A MASSIVE CORNER LOT! Home features 4 beds + a dedicated office space perfect for working from home and 2 full baths. A newly renovated kitchen with modern finishes! Oversized primary bedroom with completely remodeled bathroom! 12,000+ square foot lot with beautiful surrounding views and a sparkling pool! New interior and exterior paint! So many recent upgrades, come see it today because it won't last long!

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21711 E Roundup Way Queen Creek, AZ 85142

$629,995

3 Beds

2.5 Baths

2,510 SqFt

Status Active

MLS # 6702803

Property Type Single Family Residence

Price Type --

Welcome to Light Sky Ranch and the Dominic plan. This single level, 2510 square foot home boasts an open, inviting layout for entertaining. At the heart of the home is a spacious great room that flows into a sunny kitchen with a center island, dual walk-in pantries and an inviting breakfast nook, opening to the covered patio. A luxurious primary suite features an immense walk-in closet and attached bath with double sinks, and a luxurious separate tub and shower. With two additional bedrooms and a teen room, two and a half baths, and a dedicated study, the home offer plenty of space for privacy as well. Outside, a single-car garage and a 2-car garage offer ample storage for vehicles, outdoor gear, and more. With amenities such as a tankless water heater for efficiency and a charming paver driveway, this home seamlessly blends convenience with sophistication.

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