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. Â Give me a call for more information – J.P. Cook – 602-320-4253.
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27242 W Wahalla Lane
Buckeye, AZ 85396
$597,700
2
Beds
2
Baths
2,092
SqFt
Status
Active
MLS #
6776160
Property Type
Single Family Residence
Price Type
--
A FULLY FURNISHED, TURNKEY DESTINY MODEL WITH OWNED SOLAR & 3 CAR GARAGE SITUATED ON A PREMUIM GOLFCOURSE, LAKE FRONT LOT! Enter the front courtyard which leads to the open concept floorplan w/ tile plank flooring and neutral palette. The living/dining room boasts a custom stacked stone media wall & panoramic views of the of the course. The dine-in kitchen features a huge center Island, granite counters, custom tile backsplash & breakfast bar. Master Suite is complete w/sep tub/shower, dual sinks & large walk-in closet. Second bedroom & a den on the opposite side of the home provide privacy for guests.The laundry room offers lots of cabinets & utility sink. Enjoy outdoor living on the extended covered patio overlooking the stunning water fountain on this award winning golf course.
21354 E Sparrow Drive
Queen Creek, AZ 85142
$597,594
4
Beds
3
Baths
2,405
SqFt
Status
Active
MLS #
6753924
Property Type
Single Family Residence
Price Type
--
Welcome to this stunning home in Ascent at Jorde Farms, filled with numerous upgrades! Inside, you'll find a gourmet kitchen featuring designer cabinets, quartz countertops, and Whirlpool stainless steel appliances. The open-concept great room offers the perfect space for gatherings. The private primary bedroom includes an ensuite bath and a spacious walk-in closet. This home boasts 3 bedrooms, 3 full baths, upgraded paint, flooring, and more! Enjoy the charming porch and become part of the inviting Ascent at Jorde Farms community, which plans to offer a pool, walking paths, and parks. With great restaurants and shopping nearby, your dream home awaits! Welcome home!!
7637 E Chaparral Road
Scottsdale, AZ 85250
$597,500
2
Beds
2
Baths
1,700
SqFt
Status
Active
MLS #
6777379
Property Type
Townhouse
Price Type
--
Charming Mid-Century Modern Home with Expansive Upgrades. Welcome to your perfect blend of modern comfort and classic mid-century charm! This beautifully updated one-story home is located in a highly desirable Scottsdale 55+ neighborhood, offers a sophisticated lifestyle wrapped in understated elegance. Stylish Interiors Step inside to find an open-concept great room filled with natural light, featuring neutral tones and contemporary finishes that create a warm, inviting atmosphere. The spacious family room flows seamlessly into the dining area and kitchen, perfect for entertaining. Large sliding glass doors lead to the lush backyard, enhancing the indoor-outdoor Arizona lifestyle. The gourmet kitchen is a chef's dream, equipped with gleaming granite countertops, custom wood cabinets Relaxing Bedrooms and Luxurious Baths The home boasts two generously-sized bedrooms, each with updated flooring and custom window treatments. The primary suite offers an expansive retreat with access to the backyard, and it includes a sleek, spa-inspired ensuite bath. The bathrooms have been upgraded with high-end fixtures, frameless glass showers, and stylish vanities, providing an elevated sense of comfort. Outdoor Living at Its Best The spacious backyard is a private oasis, featuring lush artificial turf and mature trees that provide plenty of shade and privacy. Enjoy the extended covered patio, perfect for hosting gatherings or simply unwinding with a good book. A modern epoxy-coated two-car carport offers ample parking, and the front of the house features tasteful xeriscaping, providing a low-maintenance, yet attractive curb appeal. Upgrades Galore This home includes numerous recent upgrades, including modern ceiling fans, updated lighting throughout, a spacious laundry and storage room, and quality flooring in every room. Every inch of this home has been thoughtfully designed to maximize comfort and style. Don't miss this opportunity to own a piece of Scottsdale paradisea property that perfectly embodies the spirit of modern Arizona living, offering a comfortable and stylish retreat while being close to all the amenities and entertainment the city has to offer. Location, Location, Location Beyond the property's attractive features, its location is second to none. Nestled just minutes away from Old Town Scottsdale, residents can enjoy a diverse array of world-class shopping, dining, and entertainment options. Scottsdale Fashion Square, with its upscale shops, is just around the corner, while a variety of local restaurants, cafés, and nightlife venues provide endless opportunities for leisure and enjoyment. Chaparral Plaza and The Shops at Hilton Village offer additional shopping and dining conveniences nearby. Whether you're in the mood for an afternoon of boutique shopping or an elegant evening out, everything is right at your doorstep.
10245 E Trent Avenue
Mesa, AZ 85212
$597,500
2
Beds
2
Baths
1,979
SqFt
Status
Active
MLS #
6782763
Property Type
Single Family Residence
Price Type
--
Corner Lot! Adult Community Living at its finest! Property boasts custom cabinets, three skylights, insulated garage door, with custom cabinets in garage! Open floor plan, with large kitchen island for entertaining. Soft water system! Landscaping includes automatic drip system. Back patio includes electric shades with remote. Community includes pickleball courts, pool, tennis courts, game rooms and restaurant. Select furniture available for sale with the property.
6202 E Mckellips Road Unit 141
Mesa, AZ 85215
$597,500
3
Beds
2
Baths
1,773
SqFt
Status
Active
MLS #
6786590
Property Type
Townhouse
Price Type
--
Welcome to NE Mesa's premier gated & golf course carefree living community! This 3 bedroom 2 bath villa is a must see! Gated private courtyard entry. Enter into an open floor plan. Kitchen offers an abundance of cabinets, prep island, gas stove & informal dining. Plantation shutters thru out the home. Comfortable family room open to formal dining area. Master retreat w/ walk in closet, vanity w/ 2 sinks, soaking tub & walk in shower. Other two bedrooms w/ full bath. Laundry rom w/ cabinets. The backyard is where you live! This west exposure offers very special golf course & sunset views. Large paved patio and built in BBQ.Lush landscaping, fruit trees, covered patio, electric awning all offering relaxing outdoor space. . Community offers heated pool, spa, clubhouse, fitness area, pickle ball, movie room ect.HOA covers: Roof exterior of the home, blanket insurance, front landscaping, cable and internet!
25325 N Naples Street
Paulden, AZ 86334
$597,500
3
Beds
2
Baths
1,980
SqFt
Status
Active
MLS #
6700936
Property Type
Single Family Residence
Price Type
--
Two parcels are seamlessly merged together to equal a total of 9.795 acres. Nestled on sprawling acreage, this picturesque single family home offers an idyllic retreat enveloped by panoramic mountain vistas. Offering 3 bedrooms and 2 bathrooms, this charming residence exudes warmth and character. The inviting living room features a cathedral ceiling adorned with rustic beams, accentuating the space and charm. A wood-burning fireplace with exquisite Mexican brick infuses the room with cozy ambiance for chilly evenings. The ornate front door welcomes guests, while new storm doors on both the front and back entrances providing weather resistance. Recent upgrades include a new air conditioning and heating unit, new windows, and fresh exterior paint, ensuring modern comfort and aesthetic appeal. The home and its accompanying three-car garage, complete with storage and workbenches, boasts new roofs, offering peace of mind and longevity. A newly installed gravel driveway with gated entrance leads to the residence, which sits back a quarter-mile, offering unparalleled privacy and tranquility. The landscaped grounds boasts a variety of trees, including elm, mondell pine, Arizona cypress, juniper, purple robe locus, Arizona ash, locus and chase. Fruit trees, include apple, plum, mulberry, and Arizona walnut, creating a serene oasis. The driveway is flanked by majestic pine trees, while automatic irrigation ensures lush greenery thrives. Additional amenities include a shed, well house, chicken coop, and greenhouse with two garden beds with carrots, sweet potatoes, celery and basil. A fenced and cross fenced perimeter, complete with chain link and wire fencing, ensures security and functionality, while an interior yard with wire fencing and gates offers versatility. Great for children and the family pets. Outdoor enthusiasts will delight in the covered back patio, perfect for al fresco dining, and rustic red barn with four stalls, corrals and turnouts. A horseman's paradise with room to expand. A 10x16 concrete and block patio with redwood railing off the dining area provides a serene spot to admire the breathtaking sunsets to the west. With one RV hook-up equipped with 30 amp, power, water, and sewer access, the additional RV hook-up has 30 amp, power and is near water. This property offers endless possibilities. Update this home to your own personal style. Enjoy the relaxation and recreation of this beautiful property! Parcel numbers: 304-01-032A and 304-01-032B, both parcels combined are being sold at the list price.
321 W Palo Verde Street
Gilbert, AZ 85233
$597,500
4
Beds
3
Baths
2,090
SqFt
Status
Active
MLS #
6759949
Property Type
Single Family Residence
Price Type
--
**Distinctive character and unique SW design on preferred N/S lot ideally situated close to downtown Gilbert!!**Beautifully updated 4 bedrooms with private bath off guest room + additional bonus/media room.**Practical stained concrete flooring throughout, freshly painted with newer light fixtures and ceiling fans and gas fireplace.**Well-planned kitchen with Brazilian Quartzite countertops, custom cabinetry, huge island/breakfast bar & double French patio doors.**Additional amenities include RV gate w/concrete pad, sliding barn door in master suite, stackable washer & dryer, reverse osmosis, soft water and refrigerator!!**Private backyard with no rear neighbors, extended covered patio, shed and lush, mature landscaping.**
23866 N 72nd Place
Scottsdale, AZ 85255
$597,500
3
Beds
2
Baths
1,346
SqFt
Status
Active Under Contract
MLS #
6740738
Property Type
Single Family Residence
Price Type
--
New Price! The best deal in North Scottsdale. Beautiful property located in the gated community of Los Portones. Updates include wood plank tile flooring, newer carpet in bedrooms, and newer paint inside and out. New roof in 2022 and comes with a warranty. Open floorplan. Large backyard with plenty of room for a pool. Located near world class golf, hiking, dining, shopping, and so much more. This property is a must see!
23142 E Thornton Road
Queen Creek, AZ 85142
$597,500
3
Beds
2.5
Baths
1,960
SqFt
Status
Active
MLS #
6763042
Property Type
Single Family Residence
Price Type
--
Why wait for a new build? This property offers a delightful curb appeal with a desert landscape. The interior boasts an open floor plan bathed in natural light with areas that flow together seamlessly, promoting a greater traffic flow. Tall Ceilings, recessed lighting, wood-plank tile flooring, and stylish light fixtures are attributes worth mentioning. The multi-sliding glass doors connect the indoors with the outdoors for easy entertaining. The kitchen showcases wood cabinets, granite countertops, stainless steel appliances, a gas cooktop, and an oversized island. The primary bedroom hosts a full ensuite with a large dual vanity, soaking tub, step-in shower, and a walk-in closet. The tandem garage features an epoxy floor and a paver driveway. The no-fuss backyard has a covered patio, pavers, and artificial turf, allowing you to relax in solitude while sipping your favorite beverage or hosting fun gatherings on the weekends. The choice is yours! This fantastic community offers parks & playgrounds, a splash pad, basketball & pickleball courts, a pool, and much more! Truly a resort-like living! Don't let this opportunity pass you by. Act now!
6202 E Mckellips Road Unit 299
Mesa, AZ 85215
$597,300
3
Beds
2
Baths
1,818
SqFt
Status
Active Under Contract
MLS #
6747158
Property Type
Single Family Residence
Price Type
--
Golf Course Lot! Beautiful Tuscany Villas at Painted Mountain single family with no shared walls.18 in ceramic tile,neutral carpet,10 ft ceilings,great room floor plan,stainless steel appliances,maple cabinets,granite counters,kitchen island,recessed lights.Primary bed with bay window,separate tub & shower,cultured marble, w/in closet.Dining room bay window,breakfast nook.Exterior stone accents, stuccoed eaves, exterior fireplace, covered extended patio with pavers. Built in BBQ. Upgraded ceiling fans, inside laundry, HOA covers: roof, exterior, front landscaping, internet, cable and blanket insurance policy. Clubhouse, heated pool, 2 spas, pickle ball, fitness area and media room. Light & bright, close to everything, including 202 Loop and Superstition Springs Mall, this home has it all!
2625 S Bonarden Lane
Tempe, AZ 85282
$597,000
4
Beds
2
Baths
1,669
SqFt
Status
Active
MLS #
6703367
Property Type
Single Family Residence
Price Type
--
Amazing opportunity to own this nicely updated 4 bedroom, 2 bath home on a corner lot with RV Gate. Step inside and you will find easy care wood like laminate flooring through out and designer baseboards. Clean and bright galley style kitchen with plenty of cabinet space, stainless appliances and bar style breakfast counter overlooking the cozy brick fireplace and family room. Large covered patio overlooks generously sized block fenced back yard with low maintenance desert landscaping. Prime location close to the Orbit Bus with easy access to ASU campus, dining, sporting events and night life! Fantastic central location!
8548 E Inca Street
Mesa, AZ 85207
$597,000
3
Beds
2
Baths
1,753
SqFt
Status
Active Under Contract
MLS #
6781863
Property Type
Single Family Residence
Price Type
--
Pride of ownership speaks volumes in this immaculately kept home on corner lot. Owner's attention and continuous care to Critical Cost Items such as HVAC (2018), Pool and Landscape will put new Buyer mind at ease. New Pebbletec pool surface, New Variable-speed pump, New control panel and filter system syncs w/New Hayward Omni-Logic Remote App. Enjoy days and evenings under your Covered Patio with Remote shades (3 sides), Built-in Grill, Firpit. Kitchen updated (2018) with All New Appliances, New leather-look granite on island/breakfast bar, Cabinet up-lights/under-cabinet lights on dimmer, lower cabinet pull-outs, soft-close doors/drawers. Hunter Douglas remote shades adjust to desired light. Queen-Murphy Bed in 2nd Guest BR (Conveys w/home). There's more! See full list-Doc-tab! There's an attraction to Mountain Bridge that brings community experiences to life where you will find resort style living at its finest. Community amenities (included in HOA): Pool, Tennis, Pickleball, Basketball, Fitness Center, Playground, Clubhouse, Walking and Biking Trails and more. Fantastic location surrounded by Great Schools, Restaurants and Shopping. Minutes to Usury Mountain Park, just 5 mins to Freeway, 15 minutes to Saguaro Lake, 20 Minutes to Sky Harbor Airport and Scottsdale.