Home Warranty Service Contracts
Homeowners insurance typically does not cover ordinary wear-and-tear breakdowns. An optional home warranty service contract may help with certain covered systems and appliances.
Explore Home Warranty OptionsArizona home insurance
Home insurance built around the decisions that matter.
Protect the structure, the things inside it and the personal liability that comes with owning a home—using current rebuilding assumptions, not yesterday's estimate.
What to review
Build the conversation around your real exposure.
The right answer depends on accurate information, carrier guidelines and the policy language—not a generic online estimate.
- Dwelling limits based on reconstruction cost rather than market value
- Roof, water, wind and wildfire-related underwriting details
- Personal-property limits and special limits for valuables
- Loss-of-use protection if the home becomes uninhabitable
- Personal liability, pools, dogs, home businesses and household exposures
Coverage questions
Understand the tradeoffs before you decide.
These answers are general guidance. Final coverage depends on the selected policy and carrier.
Why can rebuilding cost exceed market value?
Rebuilding reflects labor, materials, debris removal, code requirements and construction conditions after a loss. It is different from the resale price of the property.
What should I document before a claim?
Keep an updated home inventory, photos or video, receipts for major purchases and copies of important records stored somewhere other than the home.
Arizona coverage guide
Use the Arizona home insurance checklist
Work through reconstruction cost, roofs, monsoon-related questions, deductibles, property details and liability.
Important
A quote is not the same as bound coverage.
Coverage is not effective until all required information is provided, underwriting is completed when applicable, payment or other conditions are satisfied, and confirmation is issued by the appropriate licensed agency or insurance carrier.
Next step
Ready for a home and auto quote?
Call our agency to talk through your home, vehicles, drivers and current coverage.
Optional protection beyond homeowners insurance
Protect more of what makes your house a home
Device Protection
Ask about optional protection plans for eligible phones, tablets, laptops, smart-home devices and other electronics.
Explore Device ProtectionPet Insurance
Pet insurance may help with eligible veterinary expenses for covered accidents, illnesses and other care, depending on the policy.
Explore Pet InsuranceSeparate products: Home warranty and device-protection products may be service contracts rather than homeowners insurance. Pet insurance is a separate insurance policy. Availability and terms vary.