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Home Insurance

What Does
Homeowners Insurance Cover?

Homeowners insurance typically includes coverage for your home's structure, personal belongings, personal liability, and additional living expenses after a covered loss. Coverage limits, deductibles, and exclusions vary by policy. We can help you compare these details so you understand how your coverage applies to your home.

Dwelling & Personal Property Coverage

Coverage for Fire, Theft & Weather Damage

Additional Living Expenses After a Covered Loss

Home Insurance

Compare Multiple Insurance Companies

We review homeowners insurance options from multiple carriers so you can compare premiums, coverage limits, deductibles, and available policy features.

Coverage Based on Your Property

Your home's location, construction, age, and replacement cost can affect your coverage needs. We help you review these details when comparing available policies.

Local Agents, Ongoing Support

Our team in Surprise can answer questions about your policy, help you review coverage changes, and explain the next steps if you need to file a claim.

Compare Homeowners Insurance
Quotes

  • ★ ★ ★ ★ ★

    Sue Shipley

    I have never had better service! I called Helen at Moore Insurance and saved $2500 per year on my homeowners insurance. Customer service is excellent.

  • ★ ★ ★ ★ ★

    Elvia Vasquez

    We were shopping for Commercial Insurance. Helen was able to save us thousands of dollars. This team is extremely knowledgeable & provides great customer service to their clients.

  • ★ ★ ★ ★ ★

    Prayas Gandhi

    I had an excellent experience working with Helen and insurance for my new company. They patiently worked with me every step of the way!

  • ★ ★ ★ ★ ★

    Mike Jensen

    I can HIGHLY recommend Moore Insurance Agency. Helen and her entire team are first class, are fantastic. They are direct, knowledgeable, professional and respond quickly.

  • ★ ★ ★ ★ ★

    Nikole Hintz-Lyon

    Moore Insurance is phenomenal! I highly recommend Moore for all your insurance needs. Helen goes above and beyond. She answers calls effectively and in a timely manner.

  • ★ ★ ★ ★ ★

    Bimal Merchant

    Helen and her team are the best!! Not only is Helen extremely knowledgeable, she will go the extra mile to explain coverages, options and everything in between.

★ ★ ★ ★ ★

Sue Shipley

I have never had better service! I called Helen at Moore Insurance and saved $2500 per year on my homeowners insurance. Customer service is excellent.

★ ★ ★ ★ ★

Elvia Vasquez

We were shopping for Commercial Insurance. Helen was able to save us thousands of dollars. This team is extremely knowledgeable & provides great customer service to their clients.

★ ★ ★ ★ ★

Prayas Gandhi

I had an excellent experience working with Helen and insurance for my new company. They patiently worked with me every step of the way!

★ ★ ★ ★ ★

Mike Jensen

I can HIGHLY recommend Moore Insurance Agency. Helen and her entire team are first class, are fantastic. They are direct, knowledgeable, professional and respond quickly.

★ ★ ★ ★ ★

Nikole Hintz-Lyon

Moore Insurance is phenomenal! I highly recommend Moore for all your insurance needs. Helen goes above and beyond. She answers calls effectively and in a timely manner.

★ ★ ★ ★ ★

Bimal Merchant

Helen and her team are the best!! Not only is Helen extremely knowledgeable, she will go the extra mile to explain coverages, options and everything in between.

Some Frequently
Asked Questions

What does homeowners insurance typically cover?
A standard homeowners insurance policy generally includes coverage for your home's structure, personal belongings, personal liability, and additional living expenses following a covered loss. Coverage depends on your policy's limits, deductibles, conditions, and exclusions.
Does homeowners insurance cover monsoon or storm damage in Arizona?
Homeowners insurance may cover damage from wind, hail, and other covered weather events. However, flooding and certain types of water damage are typically excluded from standard policies. We can help you review your policy's weather-related coverage and identify where additional insurance may be needed.
How much homeowners insurance do I need in Arizona?
Your dwelling coverage should generally reflect the estimated cost to rebuild your home, rather than its market value. You should also consider the value of your belongings, personal liability limits, and any additional coverage you may need. We can help you review these amounts when comparing policies.
Can I bundle homeowners and auto insurance?
Many insurance companies offer discounts when you purchase qualifying home and auto policies together. Moore Insurance can compare available bundling options and separate policies to help you evaluate coverage and total premiums.
What affects homeowners insurance rates in Arizona?
Homeowners insurance rates can depend on your property's location, age, construction, replacement cost, coverage limits, deductible, and other factors used by the insurance company. Comparing policies from multiple carriers can help you evaluate your available options.

Get a Homeowners Insurance
Quote