As a local homeowner , protecting your property is a top priority. While home insurance offers comprehensive coverage , did you know there's a specific type of coverage designed to protect the physical structure of your home? It’s called dwelling insurance. At Riseson Insurance , your trusted home insurance agent near you , we’re here to walk you through the ins and outs of dwelling insurance, how it fits within your home insurance policy, and why it’s a crucial part of protecting your investment.

Dwelling insurance, a standard component in many homeowners' insurance policies , covers the structure of your home. It includes protection for your walls, roof , and foundation, helping cover repairs or rebuilding costs in case of damage due to perils like fire , lightning, windstorms , and hail. However, each policy is unique, and coverage specifics can vary, so it’s essential to work with a knowledgeable local agent who understands the needs of homeowners in Arizona.

Unlike other parts of a homeowner's policy that might cover personal belongings or liability , dwelling insurance is solely focused on your home’s physical structure. If a significant event damages your property, dwelling coverage helps ensure you’re not paying out of pocket for repairs. Here are some key benefits:

Peace of Mind : Knowing your home’s structure is protected in the event of damage can help you rest easier, especially when living in areas prone to natural hazards. Financial Protection : Repairing or rebuilding a home is a considerable expense. Dwelling insurance helps shoulder these costs, preventing a financial strain. Local Expertise: A local insurance agent near you understands the types of risks homes in your area face, which is crucial in building a policy that truly protects you.

While coverage varies based on policy and provider, here are some common types of damages that dwelling insurance typically covers:

Fire and smoke damage Lightning strikes Wind and hail Vandalism and theft Falling objects

What Dwelling Insurance Doesn’t Cover

Understanding exclusions is equally essential. Standard dwelling insurance policies often exclude:

Floods : Separate flood insurance is often needed in high-risk flood zones. Earthquakes : Some regions require additional coverage for earthquakes. Wear and Tear: General maintenance or aging issues are typically not covered.

For specifics, talk to a local home insurance agent who can help you identify the risks relevant to your area.

Determining the Right Dwelling Coverage Amount

One of the biggest challenges homeowners' faces is determining how much dwelling insurance coverage is enough. A good rule of thumb is to have enough coverage to rebuild your home in case of a total loss. A local agent with expertise in Tempe can offer valuable insights by using local construction costs and home values to tailor your policy accordingly.

The Advantages of Working with a Local Agent Near You

When it comes to dwelling insurance, having a knowledgeable insurance agent nearby makes all the difference. Here’s how working with a local agent can benefit you:

Understanding Local Risks: From severe weather patterns to region-specific building regulations, a local agent can offer advice specific to Scottsdale. Personalized Service: In-person consultations make it easier to understand your policy and ask questions. Quick Claims Assistance: If you experience a covered loss, a local agent can help streamline the claims process, offering guidance every step of the way.

How to Get Started with Dwelling Insurance in Arizona

Securing the right dwelling insurance coverage starts with finding an experienced local insurance agent who can assess your home and its unique needs. Contact Riseson Insurance today and let us guide you through selecting or updating your dwelling insurance policy.

Ready to secure your home with comprehensive dwelling insurance? Contact us today at 602-460-5470 for a free quote and see why we’re the trusted choice for home insurance in Arizona.

What is Dwelling Insurance

Why Dwelling Insurance is Important

What Does Dwelling Insurance Cover?

• Peace of Mind : Knowing your home’s structure is protected in the event of damage can help you rest easier, especially when living in areas prone to natural hazards.
• Financial Protection : Repairing or rebuilding a home is a considerable expense. Dwelling insurance helps shoulder these costs, preventing a financial strain.
• Local Expertise: A local insurance agent near you understands the types of risks homes in your area face, which is crucial in building a policy that truly protects you.

• Fire and smoke damage
• Lightning strikes
• Wind and hail
• Vandalism and theft
• Falling objects

• Floods : Separate flood insurance is often needed in high-risk flood zones.
• Earthquakes : Some regions require additional coverage for earthquakes.
• Wear and Tear: General maintenance or aging issues are typically not covered.

• Understanding Local Risks: From severe weather patterns to region-specific building regulations, a local agent can offer advice specific to Scottsdale.
• Personalized Service: In-person consultations make it easier to understand your policy and ask questions.
• Quick Claims Assistance: If you experience a covered loss, a local agent can help streamline the claims process, offering guidance every step of the way.