When it comes to protecting your home—your largest investment—having the right homeowners insurance policy in place is essential. Whether you're buying your first house in Tempe Tempe Tempe or upgrading to a dream home in Scottsdale Scottsdale Scottsdale, these tips will help ensure you’re making smart insurance choices.

At Riseson Insurance , we’re proud to guide homeowners across Tempe , Phoenix Phoenix Phoenix, Scottsdale , Tucson Tucson Tucson, Gilbert Gilbert Gilbert, and Chandler Chandler Chandler in finding policies that balance coverage and cost. Here are our top 5 tips for buying home insurance:

Standard home insurance typically covers:

The structure of your home Personal belongings Liability protection Additional living expenses (ALE) if you're displaced due to a covered loss

However, not everything is covered. Floods , earthquakes , and maintenance-related issues often require separate policies or endorsements. Make sure to ask your local agent (like us!) for a full breakdown of what's included.

It’s tempting to go for the lowest premium , but the cheapest policy might leave you underinsured. Instead, focus on value: how much coverage you get for the cost, the reliability of the insurance provider , and the service support they offer during claims.

A local, independent agent like Riseson Insurance can help you compare multiple carriers to find the best coverage for your specific needs and budget.

Home insurance should be based on the replacement cost replacement cost replacement cost, not the market value of your property. Replacement cost refers to how much it would take to rebuild your home from the ground up using today’s materials and labor costs. Insuring for market value could leave you with a gap after a total loss.

Your insurance agent can help calculate a realistic and accurate replacement cost to protect your investment.

If you own a vehicle, bundling your home and auto insurance with the same provider can lead to substantial savings. Many carriers also offer multi-policy discounts for umbrella coverage , life insurance , and more.

Let Riseson Insurance run the numbers—we often help clients in Gilbert and Chandler save hundreds annually with bundled coverage.

Unlike direct-to-consumer insurance companies, local independent agents work for you , not one single provider. That means you get personalized service, unbiased advice, and access to a range of policy options tailored to your situation.

Need Help Choosing the Right Home Insurance?

At Riseson Insurance, we specialize in helping homeowners throughout Tempe , Phoenix , Scottsdale , Tucson , Gilbert , and Chandler find the coverage they need without overpaying.

Call us today at 602-460-5470 to get a quote tailored to your home—and your peace of mind.

1. Understand What Home Insurance Covers—and What It Doesn’t

2. Don’t Just Pick the Cheapest Policy

3. Know the Replacement Cost of Your Home

4. Bundle Policies for Better Discounts

5. Work with a Local Independent Agent

• The structure of your home
• Personal belongings
• Liability protection
• Additional living expenses (ALE) if you're displaced due to a covered loss