Homeowners insurance protects against damage to your home and belongings (furniture, appliances, clothing, jewelry) from hazards such as:

• Fire and smoke

• Windstorm or hail

• Theft

• Falling objects (trees, power lines)

• Frozen plumbing

• Water damage caused by plumbing, water heater, appliances, and heating and cooling systems

• Vandalism

Your homeowners policy may also protect you against claims you are liable for someone else injuries or property damage—such as if your dog bites a guest at your home—and may cover you for claims that occur away from your home, such as if your dog bites someone at the dog park.

Some homeowners policies may provide other structures coverage to repair or replace structures on your property that are not attached to your house—such as a garage, shed, or fence.

Your homeowners policy may provide loss of use coverage and pay your additional living expenses (rent, food) if you have to move out of your house while it is being repaired, for example.

You may need a special provision in your homeowners policy (an endorsement) to insure against the loss of expensive jewelry such as engagement and wedding rings, watches, diamond bracelets, etc.

In Arizona, homeowners insurance typically covers damage to the home and personal belongings due to a variety of hazards, including fire, smoke, windstorms, hail, theft, falling objects, frozen plumbing, and certain types of water damage. Liability coverage is also a standard part of homeowners insurance in AZ, protecting homeowners against claims for injuries or property damage for which they may be responsible, such as dog bites, both on and off the property. Coverage for other structures on the property, like garages and sheds, is usually included. Additionally, loss of use coverage is provided to cover living expenses if the home is uninhabitable during repairs. For high-value items like expensive jewelry, an endorsement to the policy may be necessary to ensure adequate coverage. It's important for homeowners to review their policies and consult with an attorney or insurance agent to understand the specifics of their coverage and any additional endorsements that may be needed.