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Queen Creek, AZ 85142

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Arizona Homeowners with home insurance coverage

Home Insurance in Arizona

Your home is undeniably one of the biggest financial commitments you will ever make in your life. As such, you need to protect it with home insurance from The Insurance Team. Need to invest in home insurance? You are on the right track. Here is what you need to know about home insurance.

Home insurance coverage options

If you are shopping for home insurance in Arizona, you are likely to come across the below insurance options.

  • Dwelling coverage: It protects your home structure against perils like fire, theft, falling objects, and specific natural disasters. However, home insurance doesn’t cover risks like floods, earthquakes, and water damage from a sewer backup. The good news is that you can purchase “riders” or “add-ons” to boost your coverage.
  • Personal belongings: It protects assets like furniture, clothing, and electronics against the risks stated in your policy document.
  • Liability coverage: While most homeowners don’t pay too much attention to liability coverage, it’s one of the most important coverage options. Liability coverage protects your finances when others accuse you of property damage and bodily injury.
  • Loss of use: It covers you when a peril listed in your policy makes your dwelling unlivable. This coverage pays for the additional living expenses until your dwelling becomes livable once again.

While home insurance isn’t mandatory in Arizona, you may need it if you have a mortgage. Lenders, especially federal-regulated financial institutions, require homeowners to invest in home insurance until they have paid off their outstanding loans.

How much home insurance do you need?

For dwelling coverage, purchase coverage sufficient to rebuild your home when damaged beyond repair. Likewise, invest in contents coverage adequate to replace all your belongings. When opting for liability coverage, consider an amount of about $300,000. If you need higher coverage, consider umbrella insurance.

Home insurance in Arizona

If you want to invest in home insurance in Arizona, look no further than The Insurance Team for all your home insurance needs. We offer numerous home insurance options to suit your unique needs.

Servicing States

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