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 be
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
Extended Dwelling Coverage
Identity Theft Recovery Coverage
Increased Loss Assessment
Personal Offense Coverage
Personal Property Replacement Cost
Scheduled Personal Property
Valuable Articles Coverage
Guest Medical Coverage
Download Your Free Home Inventory Worksheet
Keeping 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
HO3 (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.
– 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