Home Insurance

Are you properly covered?

Some may say your home is your greatest asset… We want to make sure it’s protected! A home policy doesn’t just protect your house and property, it does so much more! A correct policy will also protect you, your visitors and your belongings! With a diverse range of coverage options our mission is to create a custom plan just for you.

Contact us today to build your personalized protection plan! If you are unsure of the coverage needed, one of our experts will assist in choosing the right coverage for you!

Types of homeowner policies we offer:

Coverage Details Include but are not limited to:

With so many different coverage options, we understand how difficult it could be to choose just what is best for you!

Dwelling Protection

Covers damage to your home due to fire, lightning, smoke, storm damage or other similar perils.

Personal Property

Provides coverage for your household items in the event of a fire, theft or other covered loss.

Extended Replacement Cost

Provides additional coverage up to 150% of the dwelling’s policy limits to rebuild your home in the event you suffer a covered loss.

Guaranteed Replacement Cost

Provides additional coverage of the dwelling’s policy limit regardless of the stated limit shown on declarations page in the event you suffer a covered loss.

Additional Living Expenses

Provides coverage for living expenses if your home becomes uninhabitable as a result of a covered loss.

Personal Liability Protection

Pays for bodily injury or property damage caused to others as a result of a covered incident.

Guest Medical Protection

Pays medical expenses for your guests who are accidentally injured on your property.

Additional Personal Property Coverage Available:

Frequently Asked Questions

Am I legally required to have homeowners insurance?

Unlike auto insurance, you are not required by law to have coverage on your home. However, if you are paying a mortgage the lender will require you to carry homeowners insurance.

Does homeowners insurance cover damage from earthquakes and floods?

Unfortunately, the majority of homeowners insurance policies do not cover damage by earthquake or a flood. However, there are separate policies offered that do!

How much homeowners insurance do I need?

When offering a proposal on homeowners insurance we run a Replacement Cost Estimator report. This report tells us in today's market, what it will take to rebuild or replace your home. Remember, this value may be different from the market value to sell your home.

Actual Cash Value (ACV) vs. Replacement Cost

The Actual Cash Value (ACV) is the replacement cost value minus depreciation. Replacement Cost is the amount paid to replace property or personal belongings without any deduction for depreciation.

What is a homeowners insurance deductible?

A deductible is an amount you agree to pay out-of-pocket for damages caused by a covered peril before your insurance policy will pay.

What We Cover

Auto Insurance

Life Insurance

Business Insurance

Recreational Insurance

Valuables Insurance

Find The Coverage You Need

Request A Quote Today!

(928) 636-2700

Chino Valley, AZ

Prescott, AZ

Why Choose Us

What Makes Us Different

01

You Have Options

We represent multiple insurance companies.

02

We Are Licensed

We are licensed insurance advisors in AZ & CA.

03

You're Not Alone

We are by your side every step of the way.

04

Find The Best Home Protection

Shopping for home insurance is simple because we make it easy to understand. We offer coverages to meet everyone’s needs at affordable rates that are paired with great service.

Get a Quote Now