Tempe homeowners coverage isn’t one product. The right policy depends on whether you own a 1928 Maple-Ash bungalow, a 1980s Warner Ranch family home, a Hayden Ferry Lakeside condo or an investment property near ASU. Hicks Insurance Group is an independent agency licensed in Arizona, so we shop 14+ carriers to match the right carrier to your Tempe home.
This guide walks through what an HO-3 or HO-5 policy actually does, coverage by coverage, with Tempe-specific risks and limits. For an overview of every service we offer in the city, see Tempe insurance, or stop by our Tempe office.
The first four parts of a homeowners policy protect the house, the structures around it, your belongings and your ability to live somewhere else while repairs happen.
Coverage A protects the structure of your home. You’ll choose between replacement cost, which rebuilds at today’s prices with no depreciation, and actual cash value, which subtracts depreciation.
Pre-1960 homes in Maple-Ash, the Mill Avenue District and parts of South Tempe often have clay tile roofs, plaster walls and hand-crafted details. Standard replacement-cost estimates can undervalue that work, while specialty carriers tend to price it more accurately.
Coverage B protects detached structures such as garages, sheds, pool houses, fences and casitas, which are common on older Tempe lots.
Coverage C protects furniture, appliances, electronics, clothing and everything else inside the home that isn’t part of the structure. The default limit is typically 50% of Coverage A.
If a covered loss makes your home uninhabitable, loss of use (additional living expense) pays for hotels, meals and temporary rentals while it’s repaired. The default is typically 20–30% of Coverage A. In Tempe, a July roof loss combined with an HVAC failure can make a home unlivable for weeks, so this coverage gets real use here.
Related:Homeowners insurance Homeowners FAQs What does homeowners insurance cover in Tempe’s hot, dry climate? How much does homeowners insurance cost in Tempe?
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The last two parts of a homeowners policy protect you when someone else is hurt at your home or their property is damaged.
Coverage E pays third-party bodily injury and property damage claims arising from your home or daily activities. It is what responds to dog-bite claims, slip-and-fall injuries at your home and certain other personal liability claims that don’t involve a car.
Coverage F is no-fault coverage for medical bills when a guest is injured at your home, regardless of who was at fault. The default $1,000–$5,000 limit is usually fine.
Related:Tempe liability and umbrella insurance Umbrella insurance How much liability coverage do I really need?
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Endorsements tailor a standard policy to local risks. These are the ones that most often matter for Tempe homes.
Many Tempe households have pools. A standard HO-3 covers pools, but per-incident sub-limits matter, so ask about a specific pool endorsement of $300,000 or more where it’s available. Whether your pool fence meets Arizona’s pool-barrier requirements can also affect coverage.
Many Tempe homes have roof-mounted solar. A standard HO-3 covers some damage scenarios, but not every hail or wind loss to roof-mounted panels, so verify how your policy treats them.
Push for a flat-dollar wind/hail deductible, typically $2,500–$5,000, rather than a percentage of the dwelling limit. On a $500,000 dwelling, a 2% deductible means $10,000 out of pocket after a hailstorm, versus $5,000 with a flat deductible.
Standard homeowners policies exclude flood. Properties in mapped flood zones need a separate flood insurance policy through the NFIP or a private carrier, and homes near the Salt River or Tempe Town Lake should check their zone before assuming they’re clear.
Underground water, sewer and electric lines running from the street to your house are typically the owner’s responsibility once they’re on your property. A service-line endorsement covers their repair or replacement.
Related:Flood insurance Is flood insurance required in Tempe? Do I need flood insurance in Tempe, Arizona? Does my policy cover water damage from heavy rain or sewer backup?
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Because we’re independent, we compare carriers side by side instead of pitching one company’s policy. For Tempe homes we look at:
You get one quote sheet, not three carrier pitches. Bundling your home with auto can add multi-policy savings; see How do I save money on Tempe homeowners insurance? and How much can I save by bundling home and auto insurance in Tempe?
“Lanie help me with my Home, Auto and Umbrella insurances. She was very helpful, courteous and answered all my questions.”— Miguel D., Google review
Ready to compare? Request a quote online, or call our Tempe office at 60 E. Rio Salado Parkway, Suite 9092, Tempe, AZ 85281, (480) 561-6210, or email plservice@hicksinsurance.com.
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