What Does Home Insurance Cover?

Home insurance is an essential protection for homeowners in Maricopa County and throughout Arizona. However, coverage may vary depending on the insurer and the type of policy you choose. Below, we explain what a home insurance policy typically covers in this region and what aspects you should consider.

Common Coverages in Home Insurance

Most home insurance policies in Arizona include the following basic coverages:

1. Damage to the Structure of the Home

• Protects the house and its attached structures in case of damage from fires, lightning, storms, vandalism, and other covered perils.

• Also typically includes additional structures such as garages, fences, and sheds.

2. Personal Property

• Covers the loss or damage of furniture, appliances, clothing, and other personal belongings due to fires, theft, or certain natural disasters.

3. Liability Coverage

• Protects the homeowner in case someone gets injured on the property and decides to file a lawsuit.

• May cover legal expenses and medical costs up to the policy limit.

4. Temporary Living Expenses

• If your home becomes uninhabitable due to a covered incident, the insurance may pay for temporary lodging, food, and other living expenses.

What Home Insurance Does Not Cover

It is important to know that certain risks are generally not included in standard policies:

• Flood damage: In Arizona, floods can occur due to heavy rains or monsoons. You will need an additional flood insurance policy.

• Earthquakes: Although less common, earthquakes are not covered in most basic policies.

• Normal wear and lack of maintenance: Repairs due to the natural aging of the house are not covered.

• Pest damage: Termites, rodents, and mold are typically not covered.

Special Considerations for Arizona

Maricopa County experiences extreme weather conditions such as high temperatures and dust storms. While many policies include damage from storms and strong winds, it is advisable to review specific exclusions with your insurer. Additionally, the increasing occurrence of wildfires in the state makes it vital to ensure that your coverage includes damage from fire and smoke.

Conclusion

Home insurance in Maricopa, Arizona, provides solid coverage for most common risks, but it is essential to be aware of exclusions and consider additional coverages if necessary. Carefully review your policy and consult with your insurer to ensure that your home is fully protected.