Protect your home, belongings, and personal liability

Homeowners Insurance

Homeowners insurance protects your most significant asset. A standard HO-3 policy covers your dwelling against most perils, your personal property, and provides liability protection if someone is injured on your property. Most mortgage lenders require it.

Get a quoteCall (623) 873-1234

At a glance

Homeowners

Reviewed by a
licensed agent
Most Common Form
HO-3 Special Form (all-risk dwelling)
Standard Liability
$300,000 personal liability
Hard-to-Place Areas
Wildfire and coastal areas can need other markets
Not Included
Flood and earthquake (separate policies)

Watch for: Replacement cost isn't market value.

The policy

What it covers, and who it's for.

The short version. What a policy actually covers is in its forms and endorsements, and we read those with you before you buy.

What it covers06

  • Dwelling coverage — the structure of your home
  • Other structures — detached garages, fences, and outbuildings
  • Personal property — furniture, electronics, clothing, and valuables
  • Loss of use — temporary housing costs if your home is uninhabitable
  • Personal liability — legal costs if someone is injured on your property
  • Medical payments to others — minor guest injuries regardless of fault

Who needs it03

  • Homeowners with a mortgage (required by the lender)
  • Homeowners without a mortgage (protecting your largest investment)
  • Anyone who couldn't afford to rebuild their home out-of-pocket

By state

Home market changes at the state line.

Arizona
In forested and wildland areas some carriers have pulled back. When no Arizona-licensed carrier will write a home, the next step is the surplus lines market, which the law allows only after a diligent search of licensed carriers. Surplus lines policies carry fewer consumer protections and some exclude wildfire, so read them closely; we will.
California
Some carriers have pulled back from high wildfire-risk areas. The California FAIR Plan is the insurer of last resort: a basic policy for fire and smoke, with a difference-in-conditions (DIC) policy from a private insurer for liability, water damage and the other usual perils. Earthquake is a separate policy, through the California Earthquake Authority (CEA) or a private insurer.
Elsewhere
Which homes carriers will write, and on what terms, changes with the state and the area. The 17 states we're licensed in.

Questions

About homeowners, answered plainly.

Don't see yours? Call (623) 873-1234 or write to service@commercialy.com.

Often paired with

What usually goes alongside it.

  1. 01

    Personal Auto

    Protection for you, your family, and your vehicle
  2. 02

    Renters

    Affordable protection for your belongings and liability
  3. 03

    Landlord

    Protect your rental property and rental income

Talk to a licensed agent, not a phone tree.

Tell us what you're insuring and we'll come back with homeowners options from more than one carrier, explained in plain English.

Call the office Se habla español

(623) 873-1234
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