Home Insurance

Protection rooted where you live, from the structure itself to everything inside it.

Scottsdale home with desert landscaping in warm afternoon light

Your home is likely your largest asset, and the right policy does more than cover the structure. It protects your belongings, shields you from liability if someone is injured on your property, and covers living expenses if a covered loss makes your home uninhabitable. Arizona's monsoon seasons, heat, and wildfire exposure make it worth getting the details right. Home coverage also pairs naturally with auto, and for clients who want broader liability protection, it opens the door to an umbrella policy conversation.

Core Coverages

The three parts of a home policy that do the most work for most homeowners.

Dwelling

Covers repair or rebuilding of your home's structure and attached features after a covered loss.

Personal Property

Covers your furniture, electronics, clothing, and belongings, at home and often when you're traveling.

Liability

Protects you if someone is injured on your property or you accidentally damage someone else's.

Frequently Asked Questions

+Does home insurance cover flood damage?

Standard home policies don't cover flooding. If your property is in a flood zone, or you simply want that protection, you'll need a separate flood policy. We can help you figure out if you need one and what it costs.

+Should my dwelling coverage match my home's market value?

No, and it's one of the most common misunderstandings in home insurance. Dwelling coverage is based on what it would cost to rebuild your home from the ground up, not what you could sell it for. In Arizona, construction costs and labor can push rebuild costs higher than market value. Being underinsured here means you pay the difference out of pocket after a total loss.

+What's the difference between actual cash value and replacement cost for my belongings?

Actual cash value (ACV) pays you what your belongings are worth today, after depreciation. A 5-year-old TV might pay out $80 even though a new one costs $400. Replacement cost coverage pays what it actually costs to replace the item new. The premium difference is usually modest, and the claim difference can be substantial. We always recommend replacement cost if it's available.