Home Insurance Coverages

The coverage amount listed under this section may help pay for damages to most other structures on your property not attached to your home

Fences, detached garages, sheds and gazebos are among the most common detached structures that homeowners have on their property. 

It is important to let us know all the structures you have on your property to make sure we can have it approved and added onto your policy.  

Under Coverage "C" on your declaration page. This insures your personal belongings, clothes, furniture, and electronics.

 It is important to note this coverage has limits. This is not a blanket policy that will guarantee coverages on all your personal property. For example, a $25k engagement ring needs to be endorsed onto your policy. The more details you provide, the better an agent can document and properly insure you. 

Loss of use coverage is usually provided when your home is inhabitable and can be used for up to 12 months. 

Examples include:

-Hotel or Apartment Rental

-Transportation costs

-Pet boarding

-Grocery or restaurant bills 

-Relocation costs of your personal belongings

-Laundry expenses

Discuss this coverage with your agent!

The amount listed under this section may help pay for:

-A guest's medical bills.

-Your legal expenses if sued.

-An Injured parties lost wages.

-Cost's repairing damages you accidently caused to someone else's property.

The higher liability limit you have in this section, the lower your risk having to come out of pocket to cover these expenses in the event your limits are reached.

Medical payments insurance can typically cover expenses sustained in order to resolve a medical emergency, such as:

-Immediate medical attention

-Surgery

-X-rays

-Dental services

-Ambulance rides

-Hospital stays

A homeowners policy is for people who own their own home. Homeowners insurance is a great way to protect your asset from an unforeseen event. This type of policy will cover both the outside of the home and all the contents of your home. It will cover the majority of natural disasters (certain disasters like earthquakes may be excluded but you may add extra coverage for that specific purpose) and will allow you to replace or rebuild damaged property. We provide the best coverages options available . 

When you own a Condo or a Town Home you're usually only responsible for the inside. This is referred to as walls in coverage. What's insured are your personal items, appliances, cabinetry, and you'll also be covered from general liability should someone be injured on your property. 

Cabins can be more difficult and expensive to insure. Age, materials, and wildfire risk code are used as factors while an insurance company evaluating a risk. AZ 101 Insurance knows what company will insure it and for a fair price. 

Manufactured homes are better today than ever before. While some companies may not insure manufactured homes a lot of them will insure them in a similar manner to a regular homeowners policy. We've already done the work of finding the best ones. 

Since manufactured homes are more vulnerable to certain perils it's important to review what is, and isn't, covered in your current policy. 

 With a renter's policy, the coverage includes the inner contents of the home, apartment, or room that you are renting. This is coverage for the break-ins, the natural disasters, fires, and other circumstances that are beyond your control. Even though your landlord will have a homeowners policy on the place you are living, it does not cover your own personal items as a renter, which is why renters insurance is essential. 

Arizona is a great place to own a second home! Some people spend the winters here and others leave the city in the summer for cooler temperatures in towns like Payson, Pinetop, or Sedona. Others use their second home as a rental to generate income. 

The best way to insure your second home will depend entirely on what you're using it for.