Do I need earthquake or hail coverage in Arizona?
Earthquakes are not a common concern in the Phoenix area, and standard homeowners insurance typically excludes earthquake coverage, but you can add it as a rider if you want. Hail is more common during monsoon season, especially in higher elevation areas. Most homeowners policies cover hail damage to your roof and property, but coverage terms and deductibles vary. Some insurers exclude or limit roof coverage on older roofs. Wind driven rain and dust storms are also monsoon hazards. The specifics depend on your situation and a licensed insurance agent should confirm, and Jon can connect you with one.
Specifics depend on your situation and should be confirmed with an insurance agent. Jon can connect you with one: text (623) 826-0888.
More on title, insurance and taxes
- How much is homeowners insurance in Phoenix and what does it cover?
- How do property taxes work in Arizona and how are they calculated?
- Do I need flood insurance in Phoenix?
- What is title insurance and do I need it?
- What is the difference between a home warranty and homeowners insurance?
- Do easements, solar leases or liens on title affect me?
Meet Jon Hegreness
Jon Hegreness
REALTOR / Associate Broker · Howe Realty
AZ License BR540940000
Full-time Phoenix North Valley REALTOR and Associate Broker with 24 years in Arizona residential real estate. A negotiator and problem solver who works the way you would want a friend in the business to work: direct, on your side, and steady through the parts that get complicated.