Phoenix Home Insurance

Home Insurance in Phoenix

Purchasing a home is one of the biggest investments you will make and quite possibly one of the most important. With all the time and hard work invested in your home many often overlook the importance of homeowner’s insurance. CityScape Insurance is here to identify the true value of your home and the assets within. We take the time to review every aspect of your home from, the inside out. By understanding your home’s attributes and what’s inside we’re able to tailor a policy that ensure you’re covered for full replacement in the event of a total loss.

Most Phoenix home insurance policies are written with specific limits on certain items that may beAffordable Insurance
in your home such as fine arts, furs, jewelry, fire arms, and in some cases certain electronic equipment like computers. Identifying the values of personal property in your home allows us to write a comprehensive policy that caters to these items. By scheduling these items on your policy the carrier then extends the specified coverage limit anywhere in the world, and in most cases this coverage is very inexpensive in comparison to the value of your personal property.

Valuable Coverage Options

Additional Living Expense
Animal Liability
Equipment Breakdown
Extended Dwelling Coverage
Identity Theft Recovery Coverage
Increased Loss Assessment

Personal Offense Coverage
Personal Property Replacement Cost
Scheduled Personal Property
Valuable Articles Coverage
Water Back-up
Guest Medical Coverage

Download Your Free Home Inventory Worksheet

Home Inventory ChecklistKeeping an up-to date Home Inventory is crucial to expediting the claims process and ensuring you receive the full payout on your personal property. In the event you have a loss, the insurance company is going to ask that you provide proof of ownership of your belongings. By keeping a record of important information such as the purchase price, serial number, and item description, you now have everything you need to expedite the claims process.


Homeowner’s Insurance Coverage Forms

Luxury KitchenHO3 (Special Form) – This is the most common coverage form used for single-family homes. The policy provides “all risk” coverage on the home and contents are covered on a named perils basis. The term “all perils” is essentially a named exclusion form, this means if it’s not specifically excluded it’s covered.

HO5 (Open Perils Form)- Also commonly referred to as a comprehensive form, this policy covers contents on an open perils basis. Unlike an HO3 where contents are covered on a named peril basis this form will extend coverage unless specifically excluded in the policy.

HO8 (Historic Property Form) – This basic form of coverage is designed for situations in which the replacement cost of a home may be substantially higher than its market value, or where the restoration costs using antiquated materials and methods exceed current methods.

Click here for additional coverage terms

– We Provide Affordable Coverage Across Arizona –

Apache Junction, Avondale, Benson, Bisbee, Buckeye, Bullhead City, Camp Verde, Carefree, Casa Grande, Cave Creek, Chandler, Chino Valley, Clarkdale, Clifton, Colorado City, Coolidge, Cottonwood, Dewey-Humboldt, Douglas, Duncan, Eagar, El Mirage, Eloy, Flagstaff, Florence, Fountain Hills, Fredonia, Gila Bend, Gilbert, Glendale, Globe, Goodyear, Guadalupe, Hayden, Holbrook, Huachuca City, Jerome, Kearny, Kingman, Lake Havasu City, Litchfield Park, Mammoth, Marana, Maricopa, Mesa, Miami, Nogales, Oro Valley, Page, Paradise Valley, Parker, Patagonia, Payson, Peoria, Phoenix, Pima, Pinetop-Lakeside, Prescott, Prescott Valley, Quartzsite, Queen Creek, Safford, Sahuarita, San Luis, Scottsdale, Sedona, Show Low, Sierra Vista, Snowflake, Somerton, South Tucson, Springerville, St. Johns, Star Valley, Superior, Surprise, Taylor, Tempe, Thatcher, Tolleson, Tombstone, Tucson, Tusayan, Wellton, Wickenburg, Willcox, Williams, Winkelman, Winslow, Youngtown, Yuma