Because everyone's needs are not the same, it is best to consult your Sun Devil Family agent to help assess your needs and find the insurance policy that is right for you.

What is Homeowners insurance?
Homeowners insurance provides financial protection against disasters. A standard policy insures the home itself and the things you keep in it.

Homeowners insurance is a package policy. This means that it covers both damage to your property and your liability or legal responsibility for any injuries and property damage you or members of your family cause to other people. This includes damage caused by household pets.

Damage caused by most disasters is covered but there are exceptions. The most significant are damage caused by floods and poor maintenance. You must buy  separate policies for flood coverage. Maintenance-related problems are the homeowners' responsibility.

Why do you need homeowners insurance?
It is really all about protecting yourself financially if something unexpected happens to your home or possessions. That's important because chances are your home is likely one of your largest investments.
If your home was destroyed by fire or damaged by a natural disaster, you'd need money to repair or replace it.
If a guest in your home is injured, liability protection and medical coverage help pay expenses.
If you are a victim of theft and vandalism, it can reimburse you for your loss or pay for repairs.
If you are still paying for your home, your lender will require insurance.
It is important to know that homeowners insurance is meant to cover unexpected damage, not routine maintenance. Ask your agent to talk about what is covered and be sure to read your policy so you know exactly what's included and what is not.

Things to consider and questions to ask your agent
Here are few things to discuss with your Sun Devil Family agent that will influence your decisions.

How much will it cost to rebuild my house and replace my belongings if they are damaged or destroyed? (Ask your agent to talk you through your home's features and the things you own so you can make an informed decision about coverage.)
Does the insurance company have a good reputation for customer service? Is it known for paying claims fairly and promptly?
What discounts are available? (Ask about multiple policy, security system and fire resistance discounts.)
What's the process for filing and settling a claim? (Ask who to call and what happens after you file a claim.) 



Sun Devil Family Insurance is pleased to offer special coverages that provide an affordable alternative to costly product and home warranty plans with our equipment breakdown coverage through our homeowners insurance policy.

Equipment breakdown coverage is a unique coverage that extends to your essential home systems and personal property. It provides protection in the event of an unexpected mechanical or electrical breakdown not caused by normal wear and tear or corrosion. This coverage is convenient, seamless and just $2 a month.
It may also replace costly coverage provided by home warranties and big box retailer extended warranties that can be confusing and burdensome to manage. Now you have an alternative way to protect both your belongings and your budget.

Not only do we offer a competitive price and great protection, we also will replace a covered appliance with an Energy Star® rated product of like kind and quality.

Typical household items
Washers and dryers
Computer equipment
Refrigerators and freezers
Ovens and microwaves
Garbage disposals
Heat pumps
Heating and A/C systems
Electrical service panels
Home security systems
Water heaters
Well water pumps
Sump pumps
Surround sound systems
Swimming pool equipment