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by Michael Harbron on Aug 23, 2019

Save More with your Potential Homeowners Insurance Benefits

Homeowners insurance is one of the most important types of protection people can have these days. It’s imperative that all homeowners are aware of what this type of insurance entails, as well as the benefits that come along with it. Oftentimes, homeowners are not even aware of some of the protections that are included. 

Protecting yourself financially is the ultimate reason behind this type of coverage, and you need to make sure you’re aware of and understand the benefits that you are entitled to with your policy. Knowing the benefits for homeowners insurance in Arizona could save you quite a bit of money in the event that you need to file a claim in the future. 

What is Homeowners Insurance?

Before covering the benefits, it is important to get a general summary of the insurance policy. Homeowners insurance is a type of coverage that protects you from the costs of repairing various types of damage that occurs to your home and property. Homeowners insurance usually also includes liability coverage. There are exceptions, however. Damage to your home that is caused by floods, termites, or war is not typically covered with regular policies. However, you do have the option to add coverage for these occurrences for a slight additional premium.

Following are five benefits for homeowners insurance that you might not be aware of: 

1. Damage from Falling Debris

In the rare event that something would fall from the sky onto your home, whether it be a tree branch or something more extravagant, the damage that it could cause may be covered by your policy. There are stipulations and exclusions to every policy, so be sure to check yours for specifics.

2. Members of the Family (along with Their Property) Who Are Away from Home

This benefit of homeowners insurance is incredibly important, and you may be eligible for it. This benefit means that if you have a child who is a full-time student and they are away from home, their personal property is also covered with your liability coverage. For this benefit there are some things to be aware of:

  • The child must have lived in your home before moving away to college

  • The coverage lasts until they are twenty-six years old

If your child is preparing to go off to school and you’re looking to find more information, contact your local Phoenix home insurance agency to find out if you qualify for this benefit. 

3. Losses Due to Pet Bites

At no extra cost, your insurance policy could offer dog bite protection. Some homeowners assume they will never need this type of coverage – until a pet bites unexpectedly! They are then very relieved when they are in the position to make a claim and realize how crucial this benefit is. With the average dog bite claim being roughly $37,000, it is easy to see how not having this type of coverage in the event that you need it one day could prove to be problematic. 

4. The Cost to Bring Your Home up to Code After a Covered Loss

This type of coverage can help defray your costs in the event that laws change regarding safety codes, suddenly making it required for you to do some upgrades to remain law-abiding. An example of this would be if, in the future, a law is passed that there must be fire suppression systems in the kitchen to help battle house fires; your insurance policy benefit could very well cover what it costs to install the suppression system. 

5. Damage Due to Power Outages

This benefit would be important in the event of a major power outage where you would have to throw away spoiled food from the refrigerator due to a lack of power for a long time. Most insurance policies would cover refrigerator restocking fees of up to $500 in an event like this. Many homeowners are unaware that this type of coverage exists! Does your policy include it?

There are many instances where homeowners insurance is an absolute necessity. Whether there is a housefire, a power outage, or some other unfortunate event transpires, homeowners insurance is crucial. Understanding the full potential of what some homeowners insurance policies offer could save you a substantial amount of money – not to mention stress. Always check your specific policy to learn exactly what is covered for you and what is not, as all policies are different.

For determining the best homeowners insurance policy for you, choose Summit Insurance Advisors as your Phoenix home insurance company and contact us today; let us help you get covered.


866-711-5973 (fax)

Our location:

Scottsdale office

5425 E Bell Road Suite 103
Scottsdale, Arizona 85254

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