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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3966 W Antelope Way San Tan Valley, AZ 85144

$619,999

6 Beds

4.5 Baths

3,164 SqFt

Status Active

MLS # 6784816

Property Type Single Family Residence

Price Type --

BETTER THAN NEW with over $20k in upgrades added after closing! Rare opportunity for a modern design home in the sought after Toll Brothers community on the edge of San Tan Valley and Queen Creek! Close to shopping and dining with gorgeous mountain views!

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10516 S 48th Glen Laveen, AZ 85339

$619,995

3 Beds

2.5 Baths

2,390 SqFt

Status Active

MLS # 6728647

Property Type Single Family Residence

Price Type --

This Deacon home includes an attached insulated RV garage, plus two tandem garage bays! Inside, a well-appointed gourmet kitchen, gas stove, quartz countertops, with a walk-in pantry that is flanked by a great room and a dining room with center-meet doors with covered patio access. You'll also appreciate an elegant primary suite with a private bathroom with deluxe shower #2 and ample walk-in closet space. A mudroom, a convenient laundry, and a flex room will complete the plan.

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21783 E Roundup Way Queen Creek, AZ 85142

$619,995

3 Beds

2.5 Baths

2,510 SqFt

Status Active

MLS # 6666441

Property Type Single Family Residence

Price Type --

Welcome to this stunning three-bedroom, 2.5-bathroom home that exudes elegance and functionality! Step inside to discover a teen room, study, and a three-car garage, providing ample space for all your needs. This home offers a desirable north-south exposure and a paver driveway, adding to its curb appeal. The kitchen is a chef's delight with 42-inch regal white kitchen uppers, quartz countertops, an oversize island, and upgraded stainless steel appliances including a professional gas range. The contemporary interior design features a 6 x 35 wood tile throughout, creating a seamless and stylish look. Unwind in the primary bath's tile walk-in shower or enjoy the convenience of a kitchen pantry for storage. The upgraded paint package in agreeable gray adds a touch of sophistication! Located conveniently near Highway 24, this home is also close to dining, entertainment, and shopping options, making it a prime location for a vibrant lifestyle. Don't miss out on the opportunity to own this gorgeous home, experience luxury living at its finest!

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4813 W Stargazer Place Laveen, AZ 85339

$619,995

3 Beds

2.5 Baths

2,390 SqFt

Status Active

MLS # 6700009

Property Type Single Family Residence

Price Type --

The Deacon plan includes an attached RV garage, plus two tandem garage bays! Inside, a well-appointed Gourmet kitchen with a walk-in pantry is flanked by a great room and a dining room with covered patio access. You'll also appreciate an elegant primary suite with a private bathroom and ample walk-in closet space. A mudroom, a convenient laundry and a flex room.

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4836 W Stargazer Place Laveen, AZ 85339

$619,995

3 Beds

3 Baths

2,630 SqFt

Status Active

MLS # 6679937

Property Type Single Family Residence

Price Type --

An inviting covered porch welcomes guests to the charming Pomona plan. A spacious great room is at the heart of the open layout, adjacent to a roomy nook and impressive gourmet kitchen with a walk-in pantry, center island, Stainless steel appliances. This home will be built with either a study and Guest suit option complete with separate living room, wet bar and separate laundry. There is also an additional bedroom and full bathroom, The lavish primary suite offers a generous walk-in closet and a private bath with double sinks and oversized walk-in shower. A convenient laundry and covered back patio are also included. This home will also feature a 3-car garage and 10ft ceilings.

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10515 S 47th Lane Laveen, AZ 85339

$619,995

4 Beds

3 Baths

2,630 SqFt

Status Active

MLS # 6720382

Property Type Single Family Residence

Price Type --

An inviting covered porch welcomes guests to the charming Pomona plan. A spacious great room is at the heart of the open layout, boasting 10' ceilings throughout, adjacent to a roomy nook and an impressive gourmet kitchen with white shaker cabinets, quartz counters, satin nickel fixtures, with a walk-in pantry and center island. This home has stone tile throughout with carpeted bedrooms. The lavish primary suite offers a generous walk-in closet and a private bath with double sinks. A convenient laundry, covered patio, and separate study are also included.

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10512 S 48th Glen Laveen, AZ 85339

$619,995

3 Beds

3 Baths

2,630 SqFt

Status Active

MLS # 6728638

Property Type Single Family Residence

Price Type --

An inviting covered porch welcomes guests to this charming Pomona home with 10' ceilings throughout. A spacious great room is at the heart of the open layout, adjacent to a roomy nook and an impressive gourmet kitchen, 42'' white shaker cabinets, quartz countertops, gas stove, with a walk-in pantry and center island. This home will be built with a space to use for a study or formal dining room. The lavish primary suite offers a generous walk-in closet, a private bath with deluxe shower #2, and double sinks. A convenient laundry and covered patio are also included.

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21726 E Lords Way Queen Creek, AZ 85142

$619,995

3 Beds

2.5 Baths

2,390 SqFt

Status Active

MLS # 6702133

Property Type Single Family Residence

Price Type --

Introducing this exquisite home featuring the interior Bermuda Linen collection features timeless 42'' white regal upper cabinetry in the kitchen perfectly complements the sleek blanco maple quartz kitchen countertops & island, making it a chef's dream. The kitchen is adorned with a subway tile backsplash, wood laminate flooring throughout the main living areas, tile in the baths. Enjoy the gourmet kitchen's built-in single oven and microwave, gas cooktop stove, and stove-pipe pyramid stainless steel vented hood. With 10-foot ceilings, this home feels open, airy, and full of natural light. The three bedrooms, 2.5 baths, study & 3-car split garage provides ample space for comfortable living. This move-in ready gem offers a north-south exposure, ideal for enjoying bright and sunny days! With amenities like a tankless water heater for efficiency and a charming paver driveway, this home harmoniously blends convenience and sophistication.

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21849 E Saddle Court Queen Creek, AZ 85142

$619,995

3 Beds

2.5 Baths

2,500 SqFt

Status Active

MLS # 6730780

Property Type Single Family Residence

Price Type --

The single-story Cassandra plan showcases an open layout with a great room with a multi-sliding glass door, a breakfast nook, a large gourmet kitchen and a 2-car garage. The primary suite is adjacent, and boasts a generous walk-in closet and an attached bath with a large walk-in shower. Two additional bedrooms flank a full bath, and the nearby study.

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17225 W Calle Lejos -- Surprise, AZ 85387

$619,995

3 Beds

3 Baths

2,630 SqFt

Status Active

MLS # 6731947

Property Type Single Family Residence

Price Type --

Experience luxury in The Pomona, located on a prime corner lot with stunning mountain views. This home features a guest suite, a three-car garage, and a gourmet kitchen featuring Quartz countertops -end appliances. Enjoy 10-foot ceilings, a deluxe primary bathroom with a massive super shower, 3 car garage, paver driveway, RV Gate and 15-foot Center meet doors that open to an oversized 8,750 sq ft lot.

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21856 E Saddle Court Queen Creek, AZ 85142

$619,995

3 Beds

2.5 Baths

2,500 SqFt

Status Active

MLS # 6730743

Property Type Single Family Residence

Price Type --

The single-story Cassandra plan showcases an open layout with a great room with a multi-sliding glass door, a breakfast nook, a large gourmet kitchen and a 2-car garage. The primary suite is adjacent, and boasts a generous walk-in closet and an attached bath with a large walk-in shower. Two additional bedrooms flank a full bath, and the nearby study.

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791 W Rock Needle Trail Apache Junction, AZ 85120

$619,990

3 Beds

2.5 Baths

2,473 SqFt

Status Active

MLS # 6730540

Property Type Single Family Residence

Price Type --

Up to 3% of base price or total purchase price, whichever is less, is available through preferred lender plus additional 2% of base price or total purchase price, whichever is less, is available to be used toward closing costs, pre-paids, rate buy downs, and/or price adjustments. This exquisite Parklane model, priced for a quick sale and set for August completion, offers 3 bedrooms, 2.5 baths, and a versatile den. The chef's kitchen with a 36'' gas cooktop, wall oven, and pearl white quartz countertops is perfect for entertaining. Additional features include a 2' garage extension, 3-car tandem garage, and a luxury shower with dual shower heads in the owner's bath.

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