Homeowners Insurance in Phoenix, AZ
Every major investment, like owning a home, carries some degree of risk. Ayala Insurance Services helps Arizona residents manage these perils by offering homeowners insurance for coverage against costly incidents.
What Are My Homeowners Insurance Coverage Options?
Standard policies typically include the following: 
- Dwelling coverage may reimburse you for damage to the structure of your home from covered events like fire, wind or vandalism.
- Personal property coverage may help cover the cost of replacing your belongings, such as furniture, electronics and clothing, if they’re damaged or stolen.
- Liability coverage may compensate for legal and medical costs if someone is injured on your property or if you accidentally cause damage to someone else’s property.
- Additional living expenses coverage may pay for temporary housing and living costs if your home becomes uninhabitable due to a covered loss.
How Much Does It Cost?
Your rates may depend on several factors, including:
- The age and condition of your home
- Where your home is located
- The value of your belongings
- The coverage limits and deductibles you choose
Does This Policy Have Exclusions?
Home insurance doesn’t automatically cover every situation. This policy doesn’t typically cover damage due to lack of maintenance, flooding and specific types of water damage. Liability and coverage for high-value items such as jewelry or art is limited.
Your agent may recommend tailoring your coverage with the following options:
- Flood insurance
- Earthquake insurance
- Umbrella liability insurance
- Windstorm endorsements
- Scheduled item riders
How Do I File a Claim?
Consider these steps when filing a claim:
- Contact your insurance provider as soon as possible to report the incident.
- Document the damage by taking photos or videos and making a list of affected items.
- Provide the necessary information, including your policy number, details of the incident and any relevant supporting documentation.
- Work with your claims adjuster to assess the damage and determine coverage.
- Keep records of all communications and expenses related to the claim.
Get Covered Today
Contact Ayala Insurance Services to request an instant insurance quote online and learn more about your options.