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Coverage designed to protect your home, belongings and personal liability.
D&E Insurance Group helps Arizona homeowners compare coverage options and find protection designed around their home and household.
Your home is more than a building. The right homeowners policy helps protect the property, belongings and financial responsibility that come with owning it.
Homeowners insurance can provide coverage for your house, other structures on your property, personal belongings, additional living expenses and personal liability, depending on the policy and the cause of loss.
Arizona homeowners face risks ranging from fire and theft to wind, monsoon storms and other unexpected losses. Coverage limits, deductibles and policy features can make a significant difference when a claim occurs.
As an independent insurance agency, D&E Insurance Group can help you compare available homeowners insurance options and understand the coverage you’re purchasing.
A homeowners policy typically combines several types of protection for your home, belongings and personal liability.
Dwelling & Other Structures
Coverage can help repair or rebuild your home after a covered loss and may also protect structures such as detached garages, walls, fences and sheds.
Personal Property
Homeowners insurance can help protect furniture, electronics, clothing and other personal belongings when they’re damaged or stolen by a covered cause of loss.
Liability & Living Expenses
Coverage may help with certain liability claims and can provide additional living expenses when a covered loss temporarily makes your home uninhabitable.
Coverage varies by policy and carrier, so it’s important to review your limits, deductibles, exclusions and available endorsements rather than assuming every homeowners policy provides the same protection.
Your home’s insurance value isn’t necessarily the same as its purchase price, market value or mortgage balance.
Replacement Cost
Dwelling coverage is generally based on the estimated cost to rebuild the home using materials and construction of similar kind and quality, subject to the terms and limits of the policy.
Rebuilding costs can be very different from what you paid for the home or what it could sell for today.
Market Value
Market value reflects what your property may sell for and includes factors such as the land, location and local real estate market.
Those factors don’t necessarily reflect what it would cost to reconstruct the house after a major covered loss.
D&E Insurance Group can help review your home’s characteristics and available replacement-cost estimates so you can make an informed decision about your dwelling coverage limit.
Arizona homeowners face some unique weather and property risks that are worth considering when reviewing coverage.
Monsoon, Wind & Hail
Arizona storms can bring strong winds, blowing debris and hail. Coverage depends on the cause of loss, policy terms, deductibles and exclusions.
Roofs & Home Condition
Roof age, materials and overall property condition can affect available coverage, eligibility and pricing. Some policies may settle certain roof losses differently based on policy terms.
Water Damage vs. Flood
Homeowners insurance may cover certain types of sudden and accidental water damage, but flood is generally not covered by a standard homeowners policy and typically requires separate coverage.
Arizona homes can vary significantly by location, age and construction. Reviewing the details of your property can help identify coverage gaps before a loss occurs.
A standard homeowners policy may not address every exposure. Depending on your home and carrier, additional coverage options may be available.
Extended Replacement Cost
Some policies offer additional dwelling coverage above the stated limit when rebuilding costs after a covered loss exceed the amount shown on the policy, subject to policy terms.
Water Backup
Optional coverage may be available for certain losses involving water that backs up through sewers or drains or overflows from a sump, subject to the policy.
Service Line Coverage
Service line coverage may help with certain covered damage to underground utility lines connecting your home to public services.
Equipment Breakdown
This coverage may provide protection for certain sudden mechanical or electrical breakdowns involving eligible home systems and equipment.
Scheduled Valuables
Jewelry, fine art, collectibles and other high-value belongings may need additional coverage or scheduling because standard policy limits can apply to certain types of property.
Personal Umbrella
A personal umbrella policy can provide additional liability protection above certain underlying home and auto liability limits.
Available endorsements and coverage options vary by insurance carrier. D&E Insurance Group can help you review which options may make sense for your home and household.
Your home and auto policies are two important parts of your personal insurance program, and reviewing them together can make it easier to identify coverage gaps.
Potential Multi-Policy Savings
Some insurance carriers offer discounts when eligible home and auto policies are placed together. Discounts and eligibility vary by carrier.
Review Liability Limits
Looking at home and auto liability coverage together can help determine whether your current limits provide the level of protection you want.
One Insurance Review
Reviewing your household together gives us a better picture of your vehicles, property, drivers and other exposures rather than evaluating each policy in isolation.
Bundling isn’t automatically the best option for every household. D&E Insurance Group can compare available options and help you evaluate the overall combination of coverage and cost.
Common questions Arizona homeowners ask about protecting their homes and belongings.
What does homeowners insurance cover?
A homeowners policy typically includes coverage for the dwelling, other structures, personal property, additional living expenses and personal liability. Coverage depends on the policy, limits, exclusions and cause of loss.
How much homeowners insurance do I need?
Your dwelling limit should generally reflect the estimated cost to rebuild your home rather than its market value. You should also consider your personal property, liability exposure, deductibles and available additional coverage options.
Does homeowners insurance cover monsoon damage in Arizona?
Homeowners policies may cover certain losses caused by wind, hail and other storm-related events, depending on the cause of damage and policy terms. Deductibles and exclusions can apply.
Does homeowners insurance cover flooding?
Flood is generally excluded from standard homeowners insurance. Separate flood insurance may be available for homeowners who want protection from covered flood losses.
Are jewelry and other valuables fully covered?
Standard homeowners policies can contain special limits for certain property such as jewelry, collectibles and other valuables. Scheduling or additional coverage may be appropriate for higher-value items.
Should I insure my home for its market value?
Not necessarily. Market value includes factors such as land and location, while dwelling coverage is generally based on the estimated cost to rebuild the structure after a covered loss.
Is it better to bundle home and auto insurance?
Some carriers offer multi-policy discounts, but bundling isn’t automatically the best option for every household. Comparing the overall coverage, deductibles and premium is more important than looking at the discount alone.
Can D&E review my current homeowners policy?
Yes. D&E Insurance Group can review your existing coverage and help compare available homeowners insurance options for your Arizona home.