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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656 W Johnson Drive
Gilbert, AZ 85233
$674,900
4
Beds
2
Baths
2,374
SqFt
Status
Active
MLS #
6739611
Property Type
Single Family Residence
Price Type
--
Discover your dream home in this exceptional property, boasting a spacious three-car garage and a host of upscale features. The beautifully designed primary bathroom offers a tranquil retreat, while the expansive kitchen is a chef's delight, featuring a wine cellar and a high-end Sub-Zero refrigerator/freezer. Set on a generous lot, this residence includes a sparkling pool with a diving board, perfect for entertaining and relaxation. Plus, enjoy the benefits of a solar savings! This home seamlessly combines luxury, comfort, and efficiency, making it a must-see!
2329 E Turney Avenue
Phoenix, AZ 85016
$674,900
3
Beds
2
Baths
1,816
SqFt
Status
Active Under Contract
MLS #
6798949
Property Type
Single Family Residence
Price Type
--
This beautifully updated home features an inviting open floor plan, showcasing a spacious living area with stylish finishes and abundant natural light. The gourmet kitchen boasts new stainless steel appliances, quartz countertops, and contemporary cabinetry, perfect for both cooking and entertaining. The remodeled bathrooms offer luxurious touches, including modern fixtures and elegant tile work. The bedrooms provide a cozy retreat, with ample closet space. Outside you'll find both the front and back landscaped, ideal for outdoor gatherings and relaxation, along with a large detached 2 car garage. This home is walking distance to Biltmore's fine dining and shopping making it a perfect blend of modern comfort and community convenience.
215 Sheffield Drive
Prescott, AZ 86303
$674,900
3
Beds
2
Baths
1,773
SqFt
Status
Active Under Contract
MLS #
6794996
Property Type
Single Family Residence
Price Type
--
This brand-new construction home is nestled on a premium corner homesite with landscaped front and rear yards enhanced by mature trees. The property offers long-distance views of Mingus Mountain and the Bradshaw Mountains, creating a picturesque setting. Upon entry, the open great-room concept welcomes you with an abundance of natural light streaming through numerous windows, highlighting the spacious layout. The kitchen is a culinary masterpiece, featuring crisp white plantation-style cabinetry with soft-close doors and drawers in a staggered height design, gleaming granite countertops, and a centerpiece island adorned with stylish pendant lighting. A stainless steel appliance package completes the space, including a five-burner gas range with convection oven, dishwasher, and microwave. The great room's focal point is a stunning floor-to-ceiling dry-stack stone gas fireplace, blending warmth and sophistication. The master suite is a private sanctuary, showcasing captivating views, a generously sized walk-in closet, and a spa-like bathroom. The en-suite features raised-height double vanities with granite countertops, an oversized floor-to-ceiling tiled walk-in shower, and modern fixtures. The guest bathroom mirrors the luxurious feel, with a raised-height vanity, a tub/shower combination, and a roomy linen closet. This home has two additional spacious bedrooms, each equipped with ceiling fans, walk-in closets, and pre-wiring for wall-mounted TVs. Raised-panel interior doors and low-maintenance wood laminate flooring throughout ensure a seamless and allergen-friendly environment, while the bathrooms and laundry room feature beautiful tile flooring for added durability and style. The laundry room is practical with integrated upper and lower cabinetry and extra storage space. The oversized two-car garage boasts an insulated 8-foot overhead door, a WiFi-enabled LiftMaster opener with a built-in camera for added security, a soft water loop, and a 50-gallon hot water heater with a recirculating pump. Beneath the home, you'll find expansive storage space, ideal for seasonal items or even a potential workshop. Outdoor living is a delight with a welcoming covered front porch and a sprawling 200-square-foot covered rear deck, perfect for entertaining or enjoying the spectacular mountain vistas. A paver driveway adds to the home's curb appeal, while the property's surrounding mature native trees provide privacy and natural beauty. This home truly offers a harmonious blend of modern luxury and timeless comfort.
337 N Mount Vernon Avenue
Prescott, AZ 86301
$674,900
5
Beds
3
Baths
3,054
SqFt
Status
Active
MLS #
6787323
Property Type
Single Family Residence
Price Type
--
This enchanting 1917 Queen Anne-style Victorian home is a true testament to early 20th century elegance. Nestled on a corner lot, this 3,054-square-foot residence offers 5 bedrooms, 2.5 baths, a 2-car garage, an attached workshop, and two storage sheds providing ample space and functionality. As you approach, the home's timeless character welcomes you with a picturesque bay window, a charming front porch, and a classic brick and wrought iron fence lining the front yard. Situated on renowned Mt. Vernon Avenue, this home is steeped in history and surrounded by some of Prescott's most beautiful and significant properties. Short Sale Opportunity! The bank offers an easy approval process for a quick turnaround, making this an unparalleled opportunity to own a piece of history.
5450 N Globe Drive
Eloy, AZ 85131
$674,900
3
Beds
3.5
Baths
2,450
SqFt
Status
Active
MLS #
6819582
Property Type
Single Family Residence
Price Type
--
WOW! This Talavera model is one of a kind!! Built with energy efficient Integra block construction this home is located on the #2 green in the beautiful community of Robson Ranch. Enjoy the incredible sunsets from the over sized patio with water feature and built in BBQ! Inside you will find a lovely open layout with fresh updates! The fireplace has been lovingly updated along with a wonderful color palette on the walls and custom tile backsplash! Peace and serenity flow in this gorgeous primary suite as well!! There are so many wonderful touches including plantation shutters and a tiled shower! Make this oasis your year round residence or winter retreat!!
14325 W Via Tercero Drive
Sun City West, AZ 85375
$674,900
3
Beds
3
Baths
2,561
SqFt
Status
Active
MLS #
6788605
Property Type
Single Family Residence
Price Type
--
Stylishly updated Prescott model, expanded with rear AZ room (375 SF) and separate casita (350 SF) on #4 Tee Box of Deer Valley Golf Course. Split floorplan with primary bedroom & guest bedroom plus office/den-perfect for guests. Enter through the front courtyard featuring refreshing spa, awning & fountain to the open & spacious living & dining areas w fresh paint, plantation shutters & tile flooring. Updated kitchen w abundance of white cabinets, granite countertops & Whirlpool S/S appliances. (2017). Primary & guest bath-granite countertops, guest bath updated tiled shower. Expanded rear gallery & AZ room (separate HVAC). Large rear covered patio & spiral staircase for amazing views. Expanded, tiled casita (Extra 8 FT) w full bath, closet, HVAC. Ext length garage. Fruit trees. Roof 2015
17312 W Royal Palm Road
Waddell, AZ 85355
$674,850
3
Beds
3
Baths
2,541
SqFt
Status
Active
MLS #
6824962
Property Type
Single Family Residence
Price Type
--
RV Garage, plus 2-car garage, Large Lot, 3 Bedrooms, Den, 3 Baths with Large Covered Patio, 42'' Skylar Shale Cabinets, Oceana Quartz Countertops, Oceanside Cottage 6x36 tile with Bit of Gray carpet, Built-in LG Gourmet SS Appliances, Micro/Wall Oven, Gas cooktop, Laundry Cabinets with Sink, Barn Door at Master Bedroom, Interior Paint Faded Grey, Gas Stub at Patio, Soft Close Doors & Drawers, Security System, RV Dump, Both RV and 2 Car Garages fully insulated, Large Drive way.
16813 S 37th Way
Phoenix, AZ 85048
$674,800
4
Beds
2
Baths
2,162
SqFt
Status
Active Under Contract
MLS #
6802750
Property Type
Single Family Residence
Price Type
--
This gorgeous 4-bed, 2-bath home is a true gem! Featuring a 3-car garage, manicured landscape, & a courtyard. Inside, the large & airy living room adorned w/surround sound is perfect for entertaining. Travertine flooring, vaulted ceilings, & ceiling fans enrich the overall ambiance. A cozy fireplace & French doors to the back patio complement the desirable great room. Fabulous kitchen includes recessed & pendant lighting, abundant cabinetry, SS appliances, a prep island w/a breakfast bar, tile backsplash, granite counters, & a bay window in the dining area. Romantic main retreat boasts wood-look floors, outdoor access, an ensuite w/two vanities, & a walk-in closet w/mirrored doors. Dreamy backyard showcases a covered patio, paver seating area, & a pool ideal for summer days. Don't miss!
15626 N 12th Avenue
Phoenix, AZ 85023
$674,800
4
Beds
2.5
Baths
2,241
SqFt
Status
Active
MLS #
6783981
Property Type
Single Family Residence
Price Type
--
Moon Valley, Moon Valley! One of Pulte Homes best creations is Moonlight Cove nestled in the GREAT community of Moon Valley. The 1st floor primary retreat is huge with vaulted ceilings and a bay window overlooking an oversized resort style backyard. The spa-like bathroom boasts a soaking tub, separate shower with custom tile. Designer mirrors above the oversized double vanity, customized walk-in closet, and upgraded lighting. This spectacular floorplan hosts a living/family room split with the family room open to the kitchen and breakfast room making an entertainer's dream, the chef will never miss a play in the big game. Walk out the new glass door into your oasis backyard including pool heated spa, outdoor kitchen as well as plenty of space for a game of catch on this oversized backyard
7210 N 86th Lane
Glendale, AZ 85305
$674,777
4
Beds
3.5
Baths
3,704
SqFt
Status
Active
MLS #
6809941
Property Type
Single Family Residence
Price Type
--
This beautiful home is heavily UPGRADED on a GIANT LOT with 4 bedrooms, den, ENORMOUS LOFT, 3 CAR GARAGE, & MOUNTAIN VIEWS! Gourmet Chef's kitchen boasting GRANITE COUNTERTOPS & ISLAND, custom sink, STAINLESS STEEL APLIANCES, Butler Pantry, ENORMOUS WALK-IN PANTRY, & Barista Pantry. Giant Primary En-Suite & sitting area, oversized bathroom with dual sinks, separate shower, soaking tub, & WALK-IN CLOSET bigger than most bedrooms! Elegant entryway & CUSTOM STEEL DOOR, upgraded flooring & baseboards, upgraded lights/fans/fixtures, & generous sized bedrooms WITH WALK-IN CLOSETS!! Surround sound in living room, patio, & loft. Two covered patios, large grass backyard with low maintenance landscaping. Close to Westgate Entertainment District & State Farm Stadium-It's the one!!!! The spacious primary suite has plush carpet, a sitting area and hosts a pristine ensuite with dual sinks, soaking tub, and a walk in closet. The loft is perfect for creating a reading corner or a fun recreational area. The backyard is adorned with lush grass and offers a large space, ideal for entertaining and hosting gatherings. What's not to like? Just pack your bags & settle in!
2462 W Rowel Road
Phoenix, AZ 85085
$674,530
4
Beds
3.5
Baths
2,511
SqFt
Status
Active
MLS #
6816002
Property Type
Single Family Residence
Price Type
--
SPECIAL FINANCING for a limited time. Terms and conditions apply. Ask sales agent for details. This home offers 2,511 sq ft of living space with 4 bedrooms, 3.5 bathrooms, large 2-car garage, walk-in closets in every bedroom and the primary and secondary bedrooms feature their own ensuite bathrooms for added privacy and comfort This home features the Elite Design package of upgrades, including burlap cabinets, quartz countertops, custom backsplash, large island in great room, stainless-steel GE Cafe kitchen appliances and single bowl sink. All bathrooms have quartz countertops with Kohler undermount sinks. Quality and energy efficiency includes tankless hot water heater, Tech Shield roof barrier & blown in wet cellulose insulation. Union Park, residents can indulge in amenities including
219 E Palomino Court
Gilbert, AZ 85296
$674,500
4
Beds
2
Baths
2,287
SqFt
Status
Active
MLS #
6749829
Property Type
Single Family Residence
Price Type
--
Discover this Stunning Single-level Luxurious Remodeled Gilbert home, blending comfort & style. 4-bed, 2-bth, Split Floor Plan, 3 Car Garage, w/Pool! Recent renovations include Gourmet Kitchen, Quartz counters, stainless steel, ample cabinets w/pull outs. Lg Master Suite: Spa-like retreat with separate shower, freestanding tub, dual sinks. Inviting Living: Gas fireplace, fresh paint inside & out. Elegant New flooring showcasing 24x48 tile & plush new carpet. New HVAC & water heater (Aug 2024). Outdoor Oasis: Resurfaced pool, tile, synthetic grass. Cul-de-sac, corner lot, N/S exposure, new ceiling fans, covered patio, 4-inch baseboards. Conveniently located near Downtown Gilbert, Lifetime Fitness, dining & shopping. Move-in ready in a desirable neighborhood.