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Best Homeowners Insurance Agencies in Phoenix

2023

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Last updated: August 23, 2023

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License Verified:

License: 1800006986

Arizona Department of Insurance and Financial Institutions

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7411 E. 6th Avenue, Scottsdale, AZ 85251
  • Fire
  • Flood
  • Multiple Policy Types
  • Homeowners

Business Description

Homeowners Insurance Group is an independent brokerage firm serving the Phoenix metro. It offers a selection of personal insurance, helping families and individuals in obtaining homeowners' policies. The company provides personal property and liability coverages to protect clients from financial losses caused by unexpected events like theft, explosion, lightning, and windstorm. Its team also offers life, auto, flood, and umbrella insurance. Owner and principal agent Aliesha Brard has been in the insurance industry for 25 years.

License Verified:

License: 1800006986

Arizona Department of Insurance and Financial Institutions

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.9 / 5 (48)
Facebook
5.0 / 5 (21)
Yelp
5.0 / 5 (5)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
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License Verified:

License: 1800000085

Arizona Department of Insurance and Financial Institutions

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717 W Union Hills Dr, Phoenix, AZ 85027
  • Renter's Insurance
  • Condos

Business Description

Bailey Insurance is a locally owned and independent agency that has been serving clients in Phoenix since 1982. It offers homeowners' insurance policies from several insurance providers, such as Safeco, Progressive, and Hagerty, to protect clients' investments from theft, lawsuits, and weather damage. Its legal team is also familiar with the state's common homeowners' insurance claims, which consider several factors, including the type of construction and the installation of protective devices like alarm systems. Bailey Insurance uses modern technology to provide customized insurance policies.

License Verified:

License: 1800000085

Arizona Department of Insurance and Financial Institutions

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.0
Google
4.2 / 5 (110)
Yelp
2.5 / 5 (15)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
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1240 North Mondel Drive, Gilbert, AZ 85233
  • Personal Property Insurance
  • Homeowners

Business Description

Toro Insurance Group offers insurance solutions to homeowners residing in the Phoenix area. Its agents advise owners of residential properties such as condos and mobile homes on the necessary policies to cover for risks such as floods. The insurance coverage includes compensation for damaged buildings and unattached structures such as fences, storage sheds, and detached garages. The experts also deliver insurance services to protect against damaged or lost house contents, for instance, furniture and appliances.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (19)
Facebook
5.0 / 5 (11)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
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License Verified:

License: 1800009771

Arizona Department of Insurance and Financial Institutions

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4742 N 24th St Suite 300A, Phoenix, AZ 85016
  • Multiple Carriers
  • Multiple Policy Types
  • Homeowners

Business Description

Coriano Insurance Agency is a family-owned and family-operated company serving families, investors, and businesses in the Phoenix metro. It provides a range of personal insurance, including homeowners' policies. The business offers personal property, dwelling, loss of use, family or personal liability, and medical expense coverages to protect clients from financial losses caused by fire, hail, theft, and vandalism. Founder and president Chris Coriano has been in the insurance industry since 2000. He obtained his Certified Insurance Counselor designation in 2015.

License Verified:

License: 1800009771

Arizona Department of Insurance and Financial Institutions

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (179)
Yelp
5.0 / 5 (56)
Facebook
5.0 / 5 (26)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
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20660 N 40th St, Phoenix, AZ 85050
  • Renter's Insurance
  • Condos
  • Flood
  • Homeowners
  • Landlords

Business Description

ACC Insurance Agency LLC is an independent home insurance company serving the residents of Phoenix, Arizona. The company works in collaboration with more than 10 insurance carriers, such as The Hartford, Nationwide, and Progressive, enabling it to offer its clients an array of plans to fit their requirements. These plans cover damage to the home and belongings due to theft or a natural disaster. ACC Insurance Agency is a recipient of the Strategic Insurance Agency Alliance's Partner Premium Growth award.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.5
Google
4.7 / 5 (11)
Yelp
4.0 / 5 (5)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
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License Verified:

License: 6886056

Arizona Department of Insurance and Financial Institutions

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21043 N Cave Creek Rd Ste A12, Phoenix, AZ 85024
  • Renter's Insurance
  • Homeowners

Business Description

Brian Stevens offers homeowners' insurance products and services to Phoenix clients. Stevens started his State Farm insurance agency in 2003 and has been striving to provide customers with the most enjoyable experience by also offering life, health, auto, property, and business insurance. Stevens, who has a team with five members, also caters to clients requiring banking and mutual funds products. His agency is a member of the Vice President’s Club, Ambassador Club, and Chairman’s Circle.

License Verified:

License: 6886056

Arizona Department of Insurance and Financial Institutions

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (341)
Yelp
4.5 / 5 (36)
Facebook
5.0 / 5 (20)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
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1837 E Indian School Rd, Phoenix, AZ 85016
  • Homeowners

Business Description

Located in Phoenix, Arizona, Bill Insurance Brokers is a local independent home insurance brokerage that searches for the best policies for an array of home insurance needs. The agency services the state of Arizona, including the Phoenix, Arizona, metro area. Policyholders can choose from products that cover homeowners, condo, and renters needs from select insurance companies that are trusted within the industry. Bill Insurance Brokers also provides policy options for personal and business auto, boat and watercraft, cycle, ATV, life, health, and pet insurance.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7
Yelp
4.5 / 5 (8)
Google
5.0 / 5 (7)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
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License Verified:

License: 1800001532

Arizona Department of Insurance and Financial Institutions

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4425 E. Agave Rd #136, Phoenix, AZ 85044
  • Multiple Policy Types

Business Description

Pro Financial Insurance is a family-run agency that caters to clients in the Phoenix area. It provides both personal and commercial lines of insurance, which include homeowners’ protection plans. The firm’s professionals write homeowners’ policies to secure clients financially in the event of unforeseen circumstances or disasters. Insurance plans are also available for people renting an apartment or a condo unit. The firm represents a number of insurance carriers, helping clients find the right coverage for their needs.

License Verified:

License: 1800001532

Arizona Department of Insurance and Financial Institutions

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.9 / 5 (67)
Facebook
5.0 / 5 (14)
Yelp
4.0 / 5 (4)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
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License Verified:

License: 1800014706

Arizona Department of Insurance and Financial Institutions

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4836 N 59th Ave., Phoenix, AZ 85033
  • Multiple Policy Types
  • Homeowners

Business Description

Always Insured is an insurance company serving clients in Phoenix and the surrounding areas. It has been serving the community for over 30 years, providing an array of homeowners' insurance policies. This policy covers rental and residential properties from natural disasters, theft, and accidents. Its professionals understand the unique situations of clients, providing comprehensive and individualized policies. They also offer options for auto, motorcycle, business, and renters' insurance. For the client's convenience, it works with over 15 insurance companies.

License Verified:

License: 1800014706

Arizona Department of Insurance and Financial Institutions

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.9 / 5 (33)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
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License Verified:

License: 1800013028

Arizona Department of Insurance and Financial Institutions

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3024 W Van Buren St, Phoenix, AZ 85009
  • Homeowners

Business Description

Facil Insurance serves clients in the Phoenix area. It provides comprehensive homeowners' insurance policies to help people protect their homes and personal belongings in the event of catastrophes. The agency also offers risk-protection packages for renters, life, automobiles, and commercial properties. It is committed to helping customers navigate through a range of insurance plan options and clarify any of their queries. It works with insurance carriers including National General Insurance, American Access Casualty Company, and Legacy Insurance Services.

License Verified:

License: 1800013028

Arizona Department of Insurance and Financial Institutions

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Facebook
5.0 / 5 (253)
Google
4.9 / 5 (197)
Yelp
1.0 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
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License Verified:

License: 3000922196

Arizona Department of Insurance and Financial Institutions

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706 E Bell Rd Ste 201, Phoenix, AZ 85022
  • Homeowners

Business Description

Green Planet Insurance is an independent agency serving the Phoenix metro and the surrounding communities. It helps families and individuals acquire homeowners' insurance to protect them from financial losses caused by theft, vandalism, hail, and fire. The company offers family or personal liability, scheduled personal property, dwelling, medical expense, and loss of use coverages. It also provides other personal policies, including life, auto, disability, earthquake, and recreational vehicle insurance. Green Planet Insurance delivers insurance solutions tailored to its clients' needs and preferences.

License Verified:

License: 3000922196

Arizona Department of Insurance and Financial Institutions

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (285)
Yelp
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
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License Verified:

License: 1800004922

Arizona Department of Insurance and Financial Institutions

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107 E Southern Ave., Phoenix, AZ 85040
  • Renter's Insurance
  • Homeowners

Business Description

Rodriguez Insurance Agency, Inc., is a locally operated business that serves the Phoenix area. It caters to the needs of individuals and organizations, providing a wide selection of products, including homeowners', renters', auto, and business insurance. The company develops a plan that outlines a policy tailored to the clients' needs and provides practical tools to learn and use. Its professionals also develop a strategy to generate measurable results and determine a roadmap for growth.

License Verified:

License: 1800004922

Arizona Department of Insurance and Financial Institutions

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7
Google
4.7 / 5 (85)
Facebook
5.0 / 5 (9)
Yelp
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
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License Verified:

License: 1800008204

Arizona Department of Insurance and Financial Institutions

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7220 N 16th St., Suite C, Phoenix, AZ 85020
  • Homeowners

Business Description

Phoenix Insurance Group offers home insurance policies to residents of the metro and surrounding neighborhoods. It is an independent agency established by the husband-and-wife team of Kurt and Casey Elliot, who have over 25 years of combined industry experience. It reviews existing policies to find any missing gaps in their home protection. This includes possible coverages for criminal activities, earthquakes, and premises liability incidents. Co-founder Casey is a member of the Board of the Arizona Business Brokers Association and the Risk Management Association.

License Verified:

License: 1800008204

Arizona Department of Insurance and Financial Institutions

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Yelp
5.0 / 5 (10)
Google
5.0 / 5 (7)
Facebook
5.0 / 5 (3)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
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7315 N 16th St Ste 100, Phoenix, AZ 85020
  • Personal Property Insurance

Business Description

Southwest Bonding and Insurance is a family-owned insurance agency in Phoenix, Arizona. It was founded in 1989 to help families and preserve equity through comprehensive risk management services and ideal homeowners or renters insurance. Agents help clients choose personal protection policies such as homeowners, automobile, boat, and motorcycle coverage. Additional policies include life and health insurance and pet health insurance to protect the entire family. The agency also offers commercial bonding to cover financial losses due to theft or damage.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.8 / 5 (28)
Facebook
5.0 / 5 (16)
Yelp
5.0 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
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License Verified:

License: 1800004306

Arizona Department of Insurance and Financial Institutions

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7010 E Chauncey Ln. Ste 230, Phoenix, AZ 85054
  • Homeowners

Business Description

The Ambassador Group is a family-owned insurance agency that has been operating in Phoenix since 1988. It guides individuals and their families throughout the process of obtaining a homeowners' insurance policy. Its team of agents partners with 20 insurance carriers to present tailored coverage options depending on the client's needs and preferences in protecting their residential home, condo, or apartment. The company also offers insurance coverages for health, business, workers' compensation, and recreational vehicles.

License Verified:

License: 1800004306

Arizona Department of Insurance and Financial Institutions

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (78)
Facebook
5.0 / 5 (4)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Visit WebsiteWebsite

License Verified:

License: 1800011320

Arizona Department of Insurance and Financial Institutions

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5229 N 7th Ave Unit 103, Phoenix, AZ 85013
  • Renter's Insurance
  • Multiple Carriers
  • Multiple Policy Types

Business Description

Hassett Insurance is committed to providing customized services to individuals and families in the Phoenix metro. It helps clients protect their life-long investments and valuable assets through its homeowners' insurance policies. The company also serves individuals who need assistance in acquiring other personal plans, such as life, condo, auto, motorcycle, and umbrella insurance. As an independent agency, it works with multiple carriers, including Acuity, Safeco, Travelers, Progressive, and MetLife. Founder Patrick Hassett has been in the insurance business since 2008.

License Verified:

License: 1800011320

Arizona Department of Insurance and Financial Institutions

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
5.0 / 5 (79)
Facebook
4.9 / 5 (45)
Yelp
4.5 / 5 (25)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
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License Verified:

License: 1800005408

Arizona Department of Insurance and Financial Institutions

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21644 N 9th Ave STE 105, Phoenix, AZ 85027
  • Multiple Carriers
  • Multiple Policy Types
  • Homeowners

Business Description

Advantage Arizona Insurance Services is an independent agency that serves clients in Phoenix and nearby counties. It offers homeowners' insurance plans from over 40 different carriers to first-time and seasoned residents. The agency compares quotes for both general and specialized coverages like identity theft. It also provides insurance coverage for other residential properties, such as rental houses, multi-family buildings, and vacation lots. Advantage Arizona Insurance Services is a family-owned and family-operated agency led by founders Rosanne and Terry Smith.

License Verified:

License: 1800005408

Arizona Department of Insurance and Financial Institutions

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.9 / 5 (11)
Yelp
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
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2432 W Peoria Ave, Phoenix, AZ 85029
  • Personal Property Insurance
  • Homeowners

Business Description

Sidoti & Pawlowski Insurance is an independent insurance agency that sells auto, life, commercial, and home insurance in the Phoenix, Arizona, metro area. Founded in 2005, Sidoti & Pawlowski writes home insurance policies to protect homeowners' assets and lenders against unforeseen disasters that can damage or destroy a home. It provides policies to protect against liability and for personal possessions. Sidoti & Pawlowski Insurance works with reputable insurance carriers such as The Hartford, MetLife, Progressive, and Travelers.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (15)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
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License Verified:

License: 13131583

Arizona Department of Insurance and Financial Institutions

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34225 N 27th Dr. Bldg 5 Ste 149 #116, Phoenix, AZ 85085
  • Renter's Insurance
  • Flood

Business Description

Sentinel Insurance Services is a locally operated agency that serves individuals and families in the Phoenix metro. It provides a full range of personal insurance plans that include homeowners' policies. The company offers property or dwelling, liability, and additional living expense coverages to protect clients from financial losses caused by hail, fire, vandalism, and theft. It also crafts insurance coverages for pieces of jewelry, antiques, and collectible items. As an independent company, Sentinel Insurance Services works with various carriers to provide customized policies.

License Verified:

License: 13131583

Arizona Department of Insurance and Financial Institutions

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (195)
Facebook
5.0 / 5 (18)
Yelp
5.0 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
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License Verified:

License: 1800007448

Arizona Department of Insurance and Financial Institutions

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10210 N 32nd St, Phoenix, AZ 85028
  • Condos

Business Description

Independence Insurance Group caters to clients in Phoenix and the surrounding areas. It caters to clients seeking homeowners' insurance to protect their families and belongings in their primary, secondary, condos, and tenant-occupied residences. Its president, Irene Ploski, has been in the insurance industry for two decades. She is a member of the Networking For Charity and is fluent in English and Spanish languages. Independence Insurance Group partners with Berkshire Hathway, Mexico Insurance Online, Liberty Mutual, and Progressive.

License Verified:

License: 1800007448

Arizona Department of Insurance and Financial Institutions

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.9 / 5 (23)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Frequently Asked Questions

  • Introduction

    Homeowners' insurance is a type of property insurance used by private property owners to protect their home and property from a range of risks and liabilities. It is also called home insurance.

    All homeowners' insurance policies cover the primary home on a property, meaning that most damage from weather, accidents, vandalism, and other events will be at least partially paid for by the insurance company. Many policies also include coverage for other structures, personal property, and some premises liability.

    It is not required by law that a homeowner purchases insurance for their property. However, if you have a mortgage, the lender will usually make purchasing a homeowners' policy a mandatory part of the loan process. Since the mortgage lender is essentially selling you the home, they require you to protect the investment.
  • What determines the price of homeowners insurance premium?

    The premium, or monthly cost, of your homeowners' insurance policy depends on several factors, including the value of your home and amount of coverage you choose. Your credit history and whether the property is in a higher risk area also play a role.

  • What is the difference between home warranty and homeowners insurance?

    Homeowners' insurance protects your home and property from damage from events that include storms, theft, and fires. A home warranty covers repair costs for parts of your home that eventually breaks down. For example, if a fallen tree damages your roof, it's typically covered by insurance, not the warranty.

  • Does Geico offer homeowners insurance?

    Because auto insurance is Geico's focus and where they invest the most in advertising, many people know the company only as a car insurance provider. On the contrary, Geico does offer a range homeowners' insurance policies that cover dwellings, personal property, and personal liability, among other provisions.

  • How long does homeowners warranty insurance last?

    Home warranties vary based on the provider of the coverage, but most home warranties last for one year. Once they run out, homeowners have the option of renewing the warranty or letting it lapse. If a covered item breaks down after the warranty period is over, repair costs won't be reimbursed.

  • Does homeowners insurance cover water heaters?

    Homeowners' insurance doesn't cover water heaters when they break down from normal wear and tear. An insurance policy may cover water damage to your home and property if it malfunctions, and if the water heater is damaged by a fire or an accident, home insurance may provide the costs to replace it.

  • Are RVs covered under homeowners insurance?

    Usually, an RV is covered under your homeowners' insurance, but that coverage will probably be subject to several exceptions and contingencies. For example, if you want to drive your RV, you'll either need car insurance or specialized RV insurance since the risks you'll face on the road do not fall under a homeowner's policy.