Coverage lines

Insurance built line-by-line for Arizona homeowners.

Each coverage below addresses a specific exposure Arizona homeowners face — from monsoon flooding standard policies exclude to wildfire interface dwelling coverage and pool liability.

Essential coverage

Dwelling Coverage

Arizona's extreme heat, monsoon storms, and wildfire exposure mean your dwelling coverage needs to reflect true replacement cost — not market value. We match you with carriers that build rebuild-cost estimates for Arizona's construction environment, ensuring you're not underinsured after a total loss.

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Personal Property Coverage

Your furniture, electronics, clothing, appliances, and valuables are covered against theft, fire, monsoon damage, and vandalism. We help you inventory your belongings and right-size coverage so you're not over- or under-insured on contents.

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Personal Liability

If a guest is injured at your Arizona home, your dog bites a neighbor, or your child accidentally damages a neighbor's property, your personal liability coverage pays for legal defense and any judgment. Arizona pools, trampolines, and dogs significantly affect your liability exposure.

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Loss of Use Coverage

If a covered loss makes your Arizona home uninhabitable — a fire, major monsoon damage, or a burst pipe — loss of use coverage pays for hotel stays, restaurant meals, and temporary housing while repairs are underway. Critical in Phoenix metro where hotel rates run $150–$400/night.

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Flood Insurance

Arizona's monsoon season brings flash flooding that standard homeowners policies exclude entirely. We access NFIP and private flood markets with broader triggers and higher limits — important for Phoenix, Tucson, and low-lying metro homeowners.

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Personal Umbrella

A $1M personal umbrella runs $15–$30/month in Arizona and provides excess liability above your homeowners and auto policies. Essential for Arizona homeowners with pools, dogs, teenage drivers, or significant assets.

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Scheduled Personal Property

Standard homeowners policies cap jewelry at $1,500–$2,500 and firearms at $2,500. Scheduling individual items on a floater removes sub-limits and provides broader coverage including mysterious disappearance — important for Arizona homeowners with collections or jewelry.

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Rental & Vacant Home Coverage

If you own a rental property, vacation home, or a home that sits vacant, a standard HO-3 won't cover it. Dwelling fire policies cover the structure and liability for non-owner-occupied or vacant Arizona properties — including Phoenix and Scottsdale investment homes.

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Condo Insurance (HO-6)

An Arizona condo policy (HO-6) covers everything your HOA master policy doesn't — interior walls, floors, cabinets, fixtures, your personal property, personal liability, and loss assessment. We help Tempe, Scottsdale, and Phoenix condo owners close the gap between the association's 'bare walls' master policy and what you actually own.

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Renters Insurance (HO-4)

Arizona renters insurance (HO-4) protects your personal property against theft, fire, and monsoon damage, covers your personal liability, and pays additional living expenses if a covered loss forces you out. Most Arizona renters policies run $12–$20/month — and many Phoenix and Tucson landlords now require it.

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Mobile & Manufactured Home Insurance

Manufactured and mobile homes need a specialty policy (often an HO-7 or mobile-home form) — not a standard HO-3. We write coverage for single- and double-wide homes across Arizona's manufactured-home communities, covering the structure, attached additions, personal property, and liability against wind, fire, and monsoon perils.

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High-Value Home Insurance

High-value Arizona homes in Scottsdale, Paradise Valley, and Silverleaf need specialty carriers — not standard markets that underinsure custom construction. We access high-net-worth programs offering guaranteed or extended replacement cost, higher liability limits, cash settlement options, and coverage for pools, casitas, art, and wine collections.

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Not sure which coverage you need?

Most Arizona homeowners need dwelling, personal property, liability, and loss of use at minimum — plus flood if you're in a monsoon-prone area. We'll build the right program in one call.

Get a free quote844-967-5247