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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3277 N Highlands Drive
Buckeye, AZ 85396
$2,300,000
5
Beds
4.5
Baths
4,741
SqFt
Status
Active
MLS #
6683256
Property Type
Single Family Residence
Price Type
--
Incredible single level custom home opportunity in Verrado. Buyer still has the opportunity to choose all interior finishes and exterior elevation design. Main house is 4,048 square feet and the detached guest quarters is 693 square feet, for a total of 4,741 square feet with a four car garage. Also includes a swimming pool, spa and outdoor kitchen. This home features a captivating great room floor plan and is situated on an large .917 acre lot. Providing the perfect canvas for your vision of luxury living. this remarkable residence promises an unparalleled level of customization and sophistication.Click on More for more information: Step into the heart of this home, and be greeted by a kitchen that is as functional as it is beautiful. The buyer has the freedom to select their desired stone for the island, countertops, and backsplash, creating a kitchen that reflects their personal style and taste. Every cabinet in this culinary haven is equipped with slow-close drawers and doors, embodying the seamless blend of convenience and refine craftsmanship. Viking appliances and a pot filler adds an elegant touch to the culinary experience, while the presence of a butler pantry with a separate food prep area allows for seamless organization and efficiency. With 42 upper cabinets and 30 lower cabinets, ample storage space is provided, ensuring a clutter-free environment. The 3cm countertop edge profile adds a luxurious finishing touch to this stunning kitchen. The elegance continues throughout the home with a choice of 12x24 or 24x36 tiles in all wet areas, creating a cohesive and visually pleasing aesthetic. The 8 baseboards and solid core doors add an extra layer of sophistication and durability. Every bathroom in this custom home features custom stone and tile showers, exuding opulence and sophistication. The master shower is equipped with dual body systems, ensuring a spa-like experience in the comfort of your own home. Satin nickel Moen fixtures add a sleek and modern touch throughout. For effortless entertaining, a wet bar area is thoughtfully incorporated, complete with a sink, refrigerator, and icemaker, ensuring that refreshments are always close at hand. Indulge in the opportunity to create your dream home with this exceptional custom residence. From the meticulously designed kitchen to the luxurious outdoor oasis, every detail has been carefully considered to provide the ultimate in comfort, style, and functionality. Embrace the chance to curate a space that reflects your unique vision and experience the epitome of elegance and refinement in this remarkable custom home. Step outside and discover an oasis of relaxation and entertainment. The outdoor space boasts a fully equipped kitchen with a grill, icemaker, and dual burner gas cooktop, offering the perfect setting for al fresco dining and culinary adventures. An outdoor wood-burning fireplace sets the stage for cozy gatherings on cool evenings. The centerpiece of the outdoor area is the stunning 25x50 swim-up beach pool with a separate spill-over hot tub, providing a luxurious retreat for relaxation and recreation.
34083 N Paseo Grande Drive
Queen Creek, AZ 85144
$2,300,000
6
Beds
5
Baths
3,714
SqFt
Status
Active
MLS #
6736076
Property Type
Single Family Residence
Price Type
--
Explore this beautifully remodeled 6BR/5BA gem nestled in the GATED Encanto Paseo. On an expansive 1.4 ACRES, this FULLY FURNISHED beauty boasts stunning views of the Santan Mountains and a desert landscape. This exquisite home features a fresh palette complemented by a formal dining area perfect for gourmet meals. The spacious great room, illuminated by natural light, includes bi-fold glass doors that seamlessly integrate indoor and outdoor activities. The modern kitchen is equipped with stainless steel appliances, pristine white cabinets, a tile backsplash, sleek granite counters, and a center island with a breakfast bar. The main suite offers direct backyard access and is complemented by a chic bathroom with dual sinks, a soaking tub, and a walk-in closet... Enjoy the convenience of a media room pre-wired for surround sound. The expansive backyard is an entertainer's delight, featuring a covered patio, exterior fireplace, a refreshing pool, and breathtaking mountain views. Enjoy serene afternoons or contemplate under the starry night skies from the viewing deck! Minutes from multiple A+ rated schools (Casteel Junior and HS, American Leadership Academy, & Benjamin Franklin Charter Schools) and wonderful shopping & dining options located at Queen Creek Marketplace. Experience luxury and tranquility in this gorgeous home, yours to call your own!
1112 N Center Street
Mesa, AZ 85201
$2,300,000
1
Bed
1
Bath
1,694
SqFt
Status
Active
MLS #
6742181
Property Type
Single Family Residence
Price Type
--
140,525 SQFT 3.226 acres These three residential parcels represent a unique redevelopment opportunity for a multi-family and/or mixed use project, just north of downtown Mesa. The central part of Mesa has been undergoing a considerable transformation and this property is well-located to continue this trend. This site offers the potential for residential rentals, condominiums for sale, and possibly commercial uses mixed with residential. 3 parcels 137-20-004-A, 137-20-010, 137-20-002
3717 N 35th Street
Phoenix, AZ 85018
$2,300,000
5
Beds
3
Baths
3,110
SqFt
Status
Active
MLS #
6749943
Property Type
Single Family Residence
Price Type
--
***Napa Inspired Arcadia Area Ranch***2019 Sticks & Bricks masterpiece combines the quintessential look of Arcadia on a 1/3 acre lush vineyard w/ fruit trees. Gourmet kitchen overlooks great room, dining & indoor/outdoor living. Large Carrara marble island kitchen, white shaker cabs, Wolf 6 burner cooktop, fridge/wine fridge/freezer combo, vaulted ceiling w/ beams, 2 gas fireplaces, 8'' oak plank floors, butler's pantry w/ dishwasher, icemaker, coffee station. Large laundry w/ herringbone slate flooring, granite counter, farm sink & Dutch door. Split master w/ separate tub/shower, dual marble vanities. 16 ft Heritage pass through slider to gorgeous backyard. Sparkling pebble sheen play pool/green grass. 10 minutes from airport, walk to shops, restaurants, bars. Nothing like it on market.
1525 W Maddock Road
Phoenix, AZ 85086
$2,300,000
3
Beds
2
Baths
1,820
SqFt
Status
Active
MLS #
6752615
Property Type
Single Family Residence
Price Type
--
ATTN: ALL ROPER & HORSE ENTHUSIASTS! Here's a unique opportunity to own almost 10 acres in a desirable location, 20 mins to Dynamite Arena & less than 1 hour to Rancho Rio in Wickenburg. Lazy S Bar D has everything you will need to operate as a trainers facility, commercial boarding, hold equine events or enjoy for your own personal use. Amenities include a 310' x 140' Arena under LED Lights, Priefert automatic roping chute, Priefert alley, plenty of Priefert cattle pens & turnouts, 3 mare motels w/ 40 spacious stalls, plenty of tack storage, 48' x 60' storage, 15 RV Hookups & a great producing private well w/ storage tank! The home features an open floorplan - great for entertaining, granite countertops in kitchen w/ stainless steel appliances, a laundry room w/ outdoor access, large... primary bathroom w/ jetted tub & beautiful cabinetry throughout.
14554 N Valencia Drive
Fountain Hills, AZ 85268
$2,300,000
4
Beds
4.5
Baths
2,974
SqFt
Status
Active
MLS #
6757073
Property Type
Single Family Residence
Price Type
--
Embrace luxury living! This breathtaking home is perfectly situated on one of the premier lots in the exclusive, gated Adero Canyon community. The elegant single-story residence features an open-concept layout, vaulted ceilings, and expansive windows that flood the space with natural light, offering stunning views of the mountains. Meticulously cared for and thoughtfully upgraded throughout including remote control/bluetooth electric blinds throughout, this home is in pristine condition and move-in ready. The kitchen, the centerpiece of the home, impresses with its abundance of cabinetry, a spacious center island, high-end stainless steel appliances, and a walk-in pantry. Perfect for entertaining, the open living and dining areas are highlighted by a striking fireplace. A 4-panel sliding door seamlessly connects the indoor space to a beautifully custom designed backyard with sparkling pool/spa. The pool features state of the art Pentair automation system with bluetooth accessibility to cooling AND heating capabilities with cost effective electric heater. The spacious primary bedroom is thoughtfully separated from the two additional ensuite bedrooms, ensuring privacy for both. There's also an attached guest casita with its own entrance, featuring a bedroom and bath, ideal for guests or versatile with endless options to be utilized. This Thaxton + casita home is the ultimate lock-and-leave option, offering new construction in a gated community with unbeatable views in the picturesque Adero Canyon. Residents have direct access to nearby trailheads, and are conveniently close to the vibrant downtown Fountain Hills area, world-class golf courses, restaurants, and The Adero Resort and Spa, where club memberships offer access to fitness classes, a state-of-the-art gym, tennis, pickleball, and resort-style and lap pools at competitive rates.
5066 W Three Forks Road
Prescott, AZ 86305
$2,300,000
4
Beds
4
Baths
2,960
SqFt
Status
Active
MLS #
6767206
Property Type
Single Family Residence
Price Type
--
Discover this stunning custom-luxury home, offering incredible outdoor entertainment nestled on 2.25 acres with endless possibilities. The attached 1259 SF heated garage will fit all your toys combined with a separate RV garage built in 2022. It will fit a 32 ft RV, includes a bathroom, and is completely finished throughout with an HVAC system, finished interior to be used as a shop, game room or more. The resort-style fenced backyard boasts a large covered heated patio, outdoor kitchen, ramada & pergola with dining area, bocce ball court, putting green, hot tub, and more. Additional features include owned solar & very low electric bills, beautiful wood-look tile flooring, wood beamed ceilings, custom bar, and chef's kitchen with large island. The property is beautifully landscaped with a rustic water feature and an expansive paver driveway. The property can be split into two lots: 1.25 acres with the home and a 1-acre lot perfect to separate for a new build or a guest house for extended family. Located in Prescott's premier country club and golf resort community. Talking Rock is a 24-hour security gated luxury home community with a Troon golf course and exceptional amenities. You have everything you would want or need here, from golf, to pickle ball, tennis, dining, fantastic dog park and community garden. The solar system is owned and monitored by Solar One, an excellent AZ solar company!
2166 E Caroline Lane
Tempe, AZ 85284
$2,300,000
4
Beds
4
Baths
4,870
SqFt
Status
Active
MLS #
6779715
Property Type
Single Family Residence
Price Type
--
Rare opportunity in this highly sought after equestrian community of Circle G Ranches in South Tempe! A one-of-a-kind, traditional, architect-designed home features brick and oak woodwork thoughout on a private oversized (approximately 2/3rd acre) lot. The home features 4 bedrooms, 4 1/2 bathrooms and a large basement with a billiards game room and rare port-cochere side entrance. As you enter this classic home you will be impressed by the beautiful large oak front door. The foyer opens to a high octagonal rotunda ceiling with a grand chandelier that will surely impress your guests. There are soaring high ceilings throughout the entire house. The kitchen has lots of cabinets space and granite countertops, and a Subzero refrigerator overlooking the massive pool. The family room has vaulted ceilings and French doors with transom windows that open to the backyard. The owners suite also has a fireplace and lovely french doors that look out on the backyard. Just adjacent to the suite is an indoor spa room and exercise area. The basement has natural light coming from the walk out patio. Everything was built with the highest of quality including the basement which has a poured cement ceiling and walls. There are three brick propane fireplaces, and three oak built-in desks in the home. The bedrooms are very spacious and all have walk in closets. There are many additional closets for extra storage. The backyard is designed to entertain with a large patio and a huge pebble tec diving pool with a soothing rock waterfall and diving rock featuring mature, lush landscaping including citrus trees. There is also a built in stainless Barbeque. There is also a 1,500 square foot, heated 4-car garage which has room for an RV or high enough ceilings for a car lift. There is also a separate interior workshop. The garage has many cabinets for all the items the buyer wishes to store or create. The home has been extremely well-cared and is often described as a comfortable home by guests. The exterior of the house and the garage interior were recently painted. Repairs and updating have been made over the years. This is a home you MUST SEE!!! As you enter Circle G there is a tree-lined entrance to the private park which houses a children's play area, tennis courts and riding arena - the community is truly special. Incredible location near highly rated schools, tech corridor, restaurants, freeway access and all that Tempe has to offer!
10911 E Taos Drive
Scottsdale, AZ 85262
$2,300,000
5
Beds
4
Baths
5,472
SqFt
Status
Active
MLS #
6749370
Property Type
Single Family Residence
Price Type
--
This could be a car enthusiast home with window from bonus room to the garage. 33X25' and 16X25' garage with 12 foot ceilings. See concept design. Must see!! This exquisite home is an entertainer's dream oasis! Private yet minutes to restaurants and shopping.High-end finishes throughout. The bedrooms are thoughtfully separated giving extra privacy. Two primary suites with fireplaces. A resort-style backyard includes a built-in bar & BBQ, outdoor living room with a fireplace TV, misters, a fire pit, pool with spa. A second fireplace in the covered patio with misters, outdoor shower rounds out the outdoor entertaining areas. Photos are virtual staged and garage & wine room are renderings w/carlift & window A beautiful 2nd primary suite with fireplace and private entrance.
38800 N 107th Way
Scottsdale, AZ 85262
$2,300,000
5
Beds
5
Baths
5,216
SqFt
Status
Active
MLS #
6783067
Property Type
Single Family Residence
Price Type
--
This remarkable desert dream is the epitome of luxury and style. Nestled on a coveted corner lot, this energy-efficient cul-de-sac home is truly a homeowner's dream. From the moment you step inside, you'll be captivated by the fine craftsmanship and thoughtful design that went into every detail. As you enter through the foyer, the travertine flooring and exposed ceiling beams create an ambiance of elegance and sophistication. The spacious living room is a cozy haven with a stone fireplace, pre-wired surround sound, and multi-slider glass doors that provide a one of a kind indoor-outdoor living experience. Here, you can entertain guests or simply unwind while enjoying the breathtaking views of the surrounding landscape. Prepare to be inspired in the remarkable kitchen, equipped with stainless steel appliances, granite counters, and a travertine backsplash. With an abundance of cabinets, crown molding, a walk-in pantry, and an island with a breakfast bar, this kitchen is a chef's paradise. The adjacent breakfast nook provides the perfect spot to enjoy your morning coffee while taking in the beauty of the courtyard. This extraordinary property also features a 5-car garage, a paver driveway, and a private courtyard where you can relax and rejuvenate. Additionally, the attached casita with 1 bedroom and 1 bath offers a versatile space that can be used as a guest suite, home office, or even a studio. Located in a special community, you'll have the convenience of being within golf cart distance from both the prestigious Desert Mountain and Mirabel country clubs. Enjoy world-class amenities, championship golf courses, and a vibrant social scene right at your fingertips. Don't miss your chance to own this exceptional home that combines timeless elegance with modern comfort. Your dream home awaits!
2372 Summer Loop
Forest Lakes, AZ 85931
$2,300,000
4
Beds
3.5
Baths
4,639
SqFt
Status
Active
MLS #
6727951
Property Type
Single Family Residence
Price Type
--
Introducing an exquisite turn key (furnished) residence nestled in the serene Forest Lakes Estates at 2372 Summer Loop—offered for the discerning buyer. This majestic cabin-style house presents a unique harmony of luxury & natural beauty, spanning approximately 4639 square feet of meticulously crafted interior space, complemented by its enchanting outdoor settings. The journey begins on a stately asphalt circular driveway leading to a welcoming front porch. Stepping through the custom-designed front door, one is greeted by an expansive great room framed by soaring ceilings & walls adorned w/rare Aspen wood—an element that can no longer be sourced, adding exclusivity to the home.The great room's open layout flows effortlessly into a culinary masterpiece of a kitchen. Equipped with state-of-the-art Wolf & American (range) appliances, luxurious granite countertops, and an ample walk-in pantry, this kitchen is truly a chef's dream. The kitchen and dining area are not just a place for preparing meals, but an exquisite space for creating memories, surrounded by panoramic views of the lush landscape from the sliding glass doors that reveal an elevated deck, allowing for an immersive natural experience. The deck leads down to a second patio accessible from the walk-out basement, which serves as the ultimate entertainment hub. Here, a striking mesquite bar top with a live edge invites guests to gather around, while amenities such as a refrigerator, built-in ice maker, composite sink, and a cozy gas fireplace enhance the convivial atmosphere. The basement also features a spacious guest room, full bathroom and amazing storage closet. Then off to relax in the primary suite (main level of home), featuring a private fireplace, a sauna, and direct access to the deck, creating a perfect retreat. The ensuite bathroom adds a touch of opulence with a dual-sink vanity, a large jetted garden tub, and a luxurious walk-in shower. Upstairs, a generous loft space includes a second living area, ideal for a playroom or an additional family room, and an office space, providing functionality along with luxury. Two additional bedrooms with ample space and a full bathroom complete this level, ensuring comfort for family and guests alike. Outside, the property showcases terraced entertaining spaces amid a backdrop of towering ponderosa pines and spruces. The lush landscape is punctuated with perennial flowers and seating areas, including a fire-pit, designed for enchanting evenings under the stars. This residence does not just offer a home, but a lifestyle of unparalleled comfort and prestige, ready to welcome those who appreciate luxury merged with natural beauty. For those seeking a haven that espouses both refinement and grandeur, 2372 Summer Loop promises to be nothing short of extraordinary. **Seller spent around 15k leveling area for future detached garage /additional parking but would also make a great pickleball / sports court area.**
11426 E Quail Lane
Cave Creek, AZ 85331
$2,300,000
4
Beds
4.5
Baths
3,861
SqFt
Status
Active
MLS #
6729200
Property Type
Single Family Residence
Price Type
--
Glass dominant new build with total privacy and forever views of Tonto National Forest, mighty Four Peaks, Weaver's Needle and all connecting ranges. Sleek and stylish contemporary in cool neutral tones with stainless steel appliances and 6 CAR GARAGE with space for more if you wish. Intelligent and open floor plan with 4 bedrooms (including casita) and 4.5 bathrooms offering spacious comfort for all in residence. Kitchen designed in a clean white palette with an island large enough for both prep and service. 6 burner gas grill with griddle and side by side 60 inch refrigerator/freezer for the gourmand in mind. Gunmetal shades of grey high gloss Italian porcelain floors throughout. Spray foam insulation in every wall and ceiling, all en suite bedrooms with walk in closets. ''Passive home' design offers maximum energy efficiency delivering lower APS and gas bills as the construction/design amplifies conservation. Designed with an ideal Southern exposure/orientation to offer intentional interior climate controlled benefits throughout the year. Tonto Hills is a very private, equestrian deeded gem of a community at an elevation of 3800 feet enjoying cooler temperatures and a forever breeze on the mountain. No air traffic, countless hiking trails/landmarks and a neighborhood restaurant within walking distance with views that will astonish you and your guests. Plenty of room for a pool that could be seated for your privacy in mind capturing the panorama and moonscape views before you...