Bell & Associates Insurance - Guardian Insurance Group

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Homeowners insurance in Phoenix provides financial protection against life’s unforeseen perils. A standard homeowners insurance policy insures your home and the things you have acquired for it.

Homeowners insurance coverage in Phoenix is considered to be a package policy. This means that the homeowners insurance policy covers both the damage to your home and the liability or legal responsibilities for any injuries and/or property damage, which you or members of your family may cause to other people.

Home Damage caused by most disasters is covered by a homeowners insurance policy, but there are a few exceptions. The most significant are damages caused by floods, earthquakes and poor maintenance. You must buy two separate home insurance policies for flood and earthquake coverage. Maintenance-related problems are ultimately the homeowners’ responsibility.