Home Insurance

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Home Insurance in Scottsdale, AZ

Home insurance in Scottsdale, AZ, offered by Sullivan James Insurance, is a comprehensive solution tailored to meet the unique needs of homeowners in this beautiful desert city. Understanding that Scottsdale's stunning landscapes and varied architectural styles come with specific insurance requirements, our policies are designed to provide complete peace of mind. We ensure that your home is protected against a range of unforeseen events, including natural disasters, theft, and vandalism, which are particularly pertinent in the Scottsdale area. Our goal is to allow homeowners to enjoy the region's beauty and lifestyle without the stress of potential risks.

At Sullivan James Insurance, we prioritize offering affordable yet high-quality home insurance coverage. Our team of seasoned professionals collaborates closely with each homeowner to determine the most suitable coverage options, aligning with individual needs and financial considerations. Whether you're settling into your first home or updating your existing insurance policy, our customized home insurance plans in Scottsdale offer both comprehensive protection and flexibility. By partnering with us, you're not just obtaining an insurance policy; you're engaging with a team deeply knowledgeable about Scottsdale's insurance landscape, dedicated to providing the best protection for your home.

Trivia about Home Insurance in Scottsdale, AZ:

• Climate Adaptation: Home insurance policies in Scottsdale are uniquely adapted to the city's desert climate, offering coverage for climate-specific damages such as those from extreme heat or dust storms.
• Historical Value: Many Scottsdale homes, especially in historic districts, require specialized insurance considerations due to their historical value and unique architectural features.
• Wildlife Coverage: Given Scottsdale's proximity to natural landscapes, some home insurance policies include provisions for damage caused by native wildlife, a relatively rare but important aspect of insurance in this region.

Typical Home Insurance Coverages

Section I — Property Coverages

• Coverage A – Dwelling
  Covers the value of the dwelling itself (not including the land). Typically, a coinsurance clause states that as long as the dwelling is insured to 80% of actual value, losses will be adjusted at replacement cost, up to the policy limits. This is in place to give a buffer against inflation. HO-4 (renter's insurance) typically has no Coverage A, although it has additional coverages for improvements.
• Coverage B – Other Structures
  Covers other structure around the property that are not used for business, except as a private garage. Typically limited at 10% to 20% of the Coverage A, with additional amounts available by endorsement.
• Coverage C – Personal Property
  Covers personal property, with limits for the theft and loss of particular classes of items (e.g., $200 for money, banknotes, bullion, coins, medals, etc.). Typically 50 to 70% of coverage A is required for contents, which means that consumers may pay for much more insurance than necessary. This has led to some calls for more choice.
• Coverage D – Loss of Use/Additional Living Expenses
  Covers expenses associated with additional living expenses (i.e. rental expenses) and fair rental value, if part of the residence was rented, however only the rental income for the actual rent of the space not services provided such as utilities.
• Additional Coverages
  Covers a variety of expenses such as debris removal, reasonable repairs, damage to trees and shrubs for certain named perils (excluding the most common causes of damage, wind and ice), fire department changes, removal of property, credit card / identity theft charges, loss assessment, collapse, landlord's furnishing, and some building additions. These vary depending upon the form.
• Exclusions
  In an open perils policy, specific exclusions will be stated in this section. These generally include earth movement, water damage, power failure, neglect, war, nuclear hazard, septic tank back-up expenses, intentional loss, and concurrent causation (for HO3). The concurrent causation exclusion excludes losses where both a covered and an excluded loss occur. In addition, the exclusion for building ordinance can mean that increased expenses due to local ordinances may not be covered. A 2013 survey of Americans found that 41% believed mold was covered, although it is typically not covered if the water damage occurs over a period of time, such as through a leaky pipe.
• Floods
  Flood damage is typically excluded under standard homeowners and renters insurance policies. Flood coverage, however, is available in the form of a separate policy both from the National Flood Insurance Program (NFIP) and from a few private insurers.

Section II — Liability Coverages

• Coverage E – Personal Liability
  Covers damages which the insured is legally liable for and provides a legal defense at the insurer's own expense. About a third of the losses for this coverage are from dog bites.
  
  Contact us to learn more about the right homeowners insurance for you.

(480) 382-7332
14350 N. 87th St.
Suite 170
Scottsdale, AZ 85260​​
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