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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19151 W Coolidge Street Litchfield Park, AZ 85340

$625,000

4 Beds

3 Baths

2,649 SqFt

Status Active

MLS # 6781424

Property Type Single Family Residence

Price Type --

Come and see this beautiful home with a Next Gen Suite and a plethora of upgrades!! This home has an extra living space that includes its own Bedroom, Bathroom, Laundry Area that comes with a washer and dryer attached garage, Kitchen and dining/living room area!! This extra living space is perfect for family and friends! The main living quarters has 3 bedrooms, 2 full bathrooms and a big kitchen ready to host all of your events! Enjoy the low maintenance backyard with beautiful green turf and plants making it a great area to relax while enjoying the White Tank Mountain views to the west!

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25451 N 164th Drive Surprise, AZ 85387

$625,000

6 Beds

5 Baths

3,021 SqFt

Status Active

MLS # 6781462

Property Type Single Family Residence

Price Type --

Welcome to your dream home in Surprise, AZ! This nearly brand-new 6-bedroom, 5-bathroom home, built in 2022, offers a spacious open-concept layout perfect for families and entertaining. The **gourmet kitchen** features a gas cooktop, abundant cabinetry, and a large island with pendant lighting. The **primary suite** is a true retreat with a spa-like bathroom and walk-in shower. Upgrades include an **enhanced sound system** and a **remodeled backyard** with custom pavers, desert landscaping, and a gas stub for grilling. Conveniently located near the 303 Freeway, this home offers the ideal blend of luxury and comfort. Don't miss out!

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7585 W Tumblewood Drive Peoria, AZ 85382

$625,000

5 Beds

2 Baths

2,444 SqFt

Status Active

MLS # 6782727

Property Type Single Family Residence

Price Type --

Welcome to this 5 bedroom 2 bath house with a fantastic floor plan and located in a very desirable community! Equipped with a relaxing pool, great yard and RV Gate. Situated in a corner lot right next to a grass park. This home is nestled wonderfully to enjoy all of the amenities from shops, entertaining and dining that P83 has to offer. Schedule your showing today.

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3918 E Wildhorse Drive Gilbert, AZ 85297

$625,000

4 Beds

2 Baths

2,019 SqFt

Status Active

MLS # 6784693

Property Type Single Family Residence

Price Type --

Ideally located on a nice-sized, interior homesite in the highly desirable San Tan Ranch community, this wonderful, well-maintained Gilbert home offers 4 bedrooms; 3 car garage; spacious dining/living areas; vaulted ceilings; open floor plan; beautiful cabinetry; main suite with separate tub/shower, dual sinks, walk-in closet, and exit to covered patio; and resort-style rear yard perfect for relaxing/entertaining with an amazing pool, rock waterfall, and stacked stone built-in BBQ! Approximately $50K in recent updates/upgrades (travertine patio/pool deck, outdoor cooking area, kitchen appliances, wood look flooring, 5 Ton 14 SEER HVAC system, tankless water heater, etc.). Convenient freeway access and close to shopping, dining, sport courts, parks, playgrounds, and more. Move-in ready!

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5055 S Clancy -- Mesa, AZ 85212

$625,000

4 Beds

2 Baths

2,142 SqFt

Status Active Under Contract

MLS # 6766078

Property Type Single Family Residence

Price Type --

Gorgeous 4-bedroom, 2-bathroom home with a 3-car garage located in the highly sought-after Keighley Place subdivision of Mesa. Move-in ready and filled with upgrades, this home welcomes you with an oversized living room and formal dining space. The remodeled kitchen boasts granite countertops, refinished cabinets, a stainless steel sink and appliances, new fixtures, and a custom pantry door. The open-concept family room features a charming wood accent wall and offers easy access to the resort-style backyard, complete with a travertine patio, heated pool, lush landscaping, a built-in gas firepit, and a BBQ island, perfect for outdoor entertaining. The primary suite is a retreat of its own, featuring hardwood floors, an oversized walk-in shower, granite countertops, vessel bowl sinks, and updated fixtures. Additional highlights include updated flooring throughout, fresh exterior paint, garage cabinets with a workbench and storage, an RV gate, and low-cost fixed solar. Don't miss out on this incredible opportunity....request a private tour today!

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6502 N Central Avenue Phoenix, AZ 85012

$625,000

2 Beds

2 Baths

1,880 SqFt

Status Active Under Contract

MLS # 6757231

Property Type Apartment

Price Type --

This beautiful mid-century penthouse, designed by renowned architect Starkovich, seamlessly blends historic charm with modern living. Situated along the iconic, tree-lined Central Ave in one of Phoenix's most sought-after neighborhoods, this original 2-bedroom, 2-bathroom home boasts breathtaking north-facing views of Piestewa Peak and stunning sunsets, framed by an impressive wall of windows. Just steps away, the scenic Murphy Bridal Trail offers a perfect escape for hiking enthusiasts and nature lovers. Bathed in natural light, the bright and airy interior creates an inviting atmosphere. The spacious great room is perfect for hosting gatherings or simply enjoying a peaceful morning coffee as the sunrise fills the space with warmth and light. HOA replaced roofs 2023, A/C & Heat piping 2024 they will also be redoing the wrap around patio. HOA includes utilities: cooling, heating, water, trash, sewer, cox cable and cox internet Owner only pays for electricity (minus heating and cooling) Complex was also just approved as Historical landmark which decreases homeowners' property tax as long as they are owner occupied

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5554 S Hawthorn Street Gilbert, AZ 85298

$625,000

2 Beds

2 Baths

1,917 SqFt

Status Active Under Contract

MLS # 6762890

Property Type Single Family Residence

Price Type --

Welcome to this beautifully home, where luxury meets comfort in a resort-like setting. The expansive backyard features a private heated pool complete with serene waterfalls and a relaxing hot tub—perfect for unwinding or entertaining. Inside, you'll find an array of incredible upgrades, including elegant 20'' tile flooring, plantation shutters, and stylish ceiling fans throughout. The front & back security doors invite in refreshing breezes, enhancing your outdoor living experience. Step out onto the large patio equipped with sunshades, offering breathtaking views of the San Tan Mountains. The low-maintenance artificial grass adds a touch of greenery without the hassle. ((CONTINUED)) The gourmet kitchen is a chef's dream, boasting staggered 42 maple cabinets, gorgeous granite countertops, stainless steel appliances, and a spacious kitchen island for all your culinary creations. Need a quiet workspace? The office features built-in maple cabinetry and a cozy window seat, providing both functionality and charm. Plus, the garage has been upgraded with insulation and a mini-split AC unit for added comfort. Roof, landscaping and pool heater have been upgraded in the last 2 years. This home is ready for it's next owner!

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1982 W Periwinkle Way Chandler, AZ 85248

$625,000

2 Beds

2 Baths

1,839 SqFt

Status Active Under Contract

MLS # 6771908

Property Type Single Family Residence

Price Type --

Discover unparalleled lakefront living in the highly sought-after Montefino Village! This stunning lot offers breathtaking views of serene lakes, charming bridges, a tranquil waterfall, and a private park complete with walking paths. Completely Upgraded Throughout: No detail has been overlooked in this exquisite residence. Enjoy cooking with GE Profile appliances, quartz countertops, under-counter dimmable lighting, and soft-close kitchen drawers. Relax in the inviting living room featuring a gas fireplace and stunning slate flooring. Double pane windows with stylish shutters, ceiling fans throughout, and nearly new HVAC. Covered Patio with stunning views, misters and bistro lights. Schedule your showing today and seize the opportunity to enjoy your home, inside and out.

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2622 E Acoma Drive Phoenix, AZ 85032

$625,000

4 Beds

2 Baths

2,306 SqFt

Status Active Under Contract

MLS # 6775073

Property Type Single Family Residence

Price Type --

VIEWS, VIEWS, VIEWS!! Spectacular location in a very peaceful and serene neighborhood. Walk across the street and enter the preserve for a nice hike. Enjoy this unique floorplan w/updated kitchen, personal bar with built-in keg dispenser, updated bathrooms w/oversized master shower. Extended exterior deck for a place to escape while taking in the breathtaking views!

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4622 E Firestone Drive Chandler, AZ 85249

$625,000

4 Beds

2 Baths

2,255 SqFt

Status Active

MLS # 6777232

Property Type Single Family Residence

Price Type --

Welcome to this gorgeous 4-bedroom home with an RV gate, thoughtfully designed and adorned with features you'll love! Discover a spacious open floor plan perfect for entertaining and everyday living, showcasing wood flooring, pre-wired surround sound, and a cozy fireplace that adds warmth and charm. Granite counters, SS appliances, recessed lighting, a pantry, a prep island with a breakfast bar, abundant cabinetry with crown moulding, and subway tile backsplash complete this spotless kitchen. Large main bedroom is a serene retreat, offering plush carpet and an ensuite with dual sinks. The Bonus room can be used an office, play space, or more! Expansive backyard won't disappoint, equipped with a covered patio, paver seating area, and a refreshing pool ideal for year-round enjoyment.

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16214 E Bainbridge Avenue Fountain Hills, AZ 85268

$625,000

3 Beds

2 Baths

1,485 SqFt

Status Active

MLS # 6773629

Property Type Single Family Residence

Price Type --

Welcome to your beautifully updated and meticulously maintained home with a sparkling pool and sweeping mountain views in scenic Fountain Hills. Your remodeled kitchen has handsome stainless appliances and quartz counter tops, and it opens to the spacious great room with mountain views, a vaulted tongue and groove ceiling, fireplace, sound system, large flat-screen TV and dining area. Step outside to the amazing backyard with a covered patio, panoramic mountain views, synthetic lawn, artistic pavers and resurfaced pool (2023). Relax in your primary suite with an updated bath, walk-in closet and a door to the covered patio. Two guest bedrooms, updated guest bathroom, laundry room and 2-car garage with a storage room complete this lovely home. No HOA! Lucky you to live in Fountain Hills - a beautiful town known as an international dark sky community, with gorgeous mountain views, a world-famous fountain, a large public art collection, numerous special events, world-class golf and a mountain preserve with hiking trails. Many outdoor activities are within a 30-minute drive - hiking, cycling, boating, fishing, camping, horseback riding, plus popular areas of Scottsdale with wonderful dining, shopping, entertainment, hospitals and renowned school, BASIS Scottsdale. Sound system components, DVD player and TV in great room/family room are included in the sale, if requested by Buyer. All windows and sliders were replaced in 2013. New 14.00 SEER Trane A/C in 2016. For more information on all the updates for this wonderful home see the attached list.

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920 E Mitchell Drive Unit 102 Phoenix, AZ 85014

$625,000

3 Beds

2.5 Baths

2,212 SqFt

Status Active

MLS # 6784888

Property Type Townhouse

Price Type --

Welcome Home to Mitchell Lofts! Discover unparalleled luxury in this breathtaking 3-bedroom, 2.5-bathroom townhouse, ideally located in one of Phoenix's most sought-after neighborhoods. Spanning an impressive 2,200 sq ft, this sophisticated residence offers an open-concept design that seamlessly blends style and functionality. As you step inside, you'll be captivated by the soaring vaulted ceilings in the expansive living room, creating a grand and airy atmosphere. The gourmet kitchen is a chef's dream, featuring pristine granite countertops, sleek stainless steel appliances, a wine fridge, and custom cabinetry. The seamless flow between the kitchen and living areas makes it perfect for both intimate gatherings and entertaining guests. ((CONTINUED)) The master suite is a serene retreat, offering a spacious layout with a luxurious ensuite bathroom. Indulge in the spa-like experience with dual vanities, a walk-in shower, and a freestanding soaking tub. Every detail has been carefully crafted to create a sanctuary for relaxation. The lower level is just as impressive, with two additional bedrooms, a full bath, and a spacious family room - perfect for privacy or hosting. Beautiful ceramic tile flows throughout the main floor, while luxury vinyl plank flooring graces the lower level. For those who love outdoor living, a spiral staircase leads to a stunning rooftop deck, where you can enjoy panoramic views of the city skyline and beyond. Additional features include a two-car garage, storefront-style windows with custom coverings, and tasteful design elements throughout, making this townhouse the epitome of modern luxury.

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