Your Home Deserves
Desert-Tough Protection

Generally, yes. Wind damage (ripped shingles, fallen trees) and hail damage are standard covered perils. However, if a storm causes "flash flooding" that enters your home from the ground level, that is NOT covered unless you have a separate Flood Insurance policy.

This is a common confusion. Market value includes the land your house sits on (which doesn't burn down). Insurance covers the cost to rebuild the structure itself (labor and materials). Depending on supply costs or the housing market, your market value may be higher or lower than the insurance limit—and that's okay.

Pools and trampolines increase your risk of a lawsuit significantly. While your standard policy includes some liability, we strongly recommend increasing your limit or adding a Personal Umbrella Policy for an extra protection for peace of mind.

Sudden and accidental bursts (like a washing machine hose snapping) are usually covered. However, slow, gradual leaks that cause mold over months are typically excluded as "maintenance issues." Although, it is vital to inspect your plumbing regularly, we can also add slow leak coverage to your policy for additional protection.

Not typically. Standard home insurance policies exclude damage from "vermin," rodents, insects, and pests. Termite damage is considered a maintenance issue that homeowners are responsible for preventing.

Standard policies have low "sub-limits" for theft of certain items (often $1,500 for jewelry and $2,500 for firearms). If you have a valuable collection, you should "schedule" these items specifically to ensure they are fully covered for their appraised value.

Yes, the personal liability portion of your home policy typically provides coverage if your dog injures someone. Be sure to disclose your pets, so we can make sure you’re adequately covered.

If a covered peril—such as a fire or severe storm damage—makes your home uninhabitable, Loss of Use coverage helps pay for your additional living expenses. This includes costs like hotel stays and food expenses that exceed your normal budget while your home is being repaired.