Additional Information about Phoenix Home Insurance
The Right Coverage. The Right Price. The Right Value.
The amount you pay for your Phoenix, AZ homeowners insurance depends on many factors. Think of your personal housing situation, and the assets you want to protect.
Protection for Your Phoenix Home
Property Coverage typically pays to repair or rebuild your home if it’s damaged or destroyed by an insured event like a kitchen fire or windstorm.
Protection for You and Other People
Personal Liability Coverage applies if someone is injured or their property is damaged and you are to blame. The coverage generally applies anywhere in the world. When choosing your liability coverage limits, consider things like how much money you make and the assets you own. Your personal liability coverage should be high enough to protect your assets if you are sued.
Guest medical coverage provides coverage for medical expenses if guests are injured on your property. It does not cover health care costs for you or other members of your household.
Additional Living Expenses
If you are unable to live in your home because of a covered loss, your home insurance policy will pay additional living expenses while the damage is assessed and your home is repaired or rebuilt.
Protection for Your Belongings
Your home is filled with furniture, clothes, electronics and other items that mean a lot to you. Personal Property Insurance replaces these items if they are lost, stolen or destroyed as a result of a covered loss.
Scheduled Personal Property Coverage
If you have special possessions such as jewelry, art, antiques or collectibles you’ll want to discuss this with your agent. There are riders available to provide broader coverage and limits for specific items.
If You Rent Out Your Home
Landlords may have the option to buy optional liability coverage for the risks posed by tenant-occupied dwellings. Visit our Landlord Protection Insurance page for more information.