Homeowners Insurance in Arizona
At American Family Insurance, we’ll help protect your home and everything in it from unexpected events like theft, fire, natural disasters and so much more. When you work with our dedicated expert agents, they’ll help build you a policy customized to fit your unique needs. They’ll be there to answer all your questions, ensure you’re getting the discounts you deserve and provide service you can count on.
Types of Coverage for Home Insurance
The state of Arizona is known for its dry climate and high temps, not to mention its lack of rainfall — conditions that can turn a small fire into a widespread issue and cause a lot of damage to property. Your homeowners insurance protects the structure of your home and personal belongings from things like wildfires and so much more, including:
- Fire
- Falling objects
- Frozen interior plumbing
- Hail
- Lightning
- Smoke
- Theft
- Vandalism
- Water damage from plumbing, heating or cooling system
- Weight of ice, snow or sleet
- Wildfires
- Windstorm/Tornado
Finding the best coverage to protect your home starts with understanding your options. Here are some common coverages to get familiar with:
Coverage A: Dwelling
Pays to rebuild or repair your home.
Coverage B: Other Structures
Pays for damage to other, detached structures on your property such as garages, gazebos, sheds and fences.
Coverage C: Personal Property
Covers your personal belongings, including furniture, clothing and appliances, if they are stolen, damaged or destroyed.
Coverage D: Loss of Use
Pays for additional living expenses if your home is uninhabitable due to a covered loss.
Coverage E: Personal Liability
Protects you against financial loss if you are sued and found legally responsible for someone else’s injury or property damage.
Coverage F: Medical Expense
Covers medical payments to others, injured on or off your property, regardless of your legal responsibility.