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Homeowners Insurance in AZ & NM

Owning a home has always been integrated into the American Dream. To make sure that, what’s probably your largest investment, is protected, you should partner with one of the most reputable carriers. We’ve done all of the upfront work to identify those homeowners insurance providers; contact us and we will share that knowledge with you.

Home Insurance is Close to Home for Us

Making sure that our clients have the best possible homeowners coverage is central to why Mike & Shauna Murphy joined the expansion of Alpha & Omega in 2006.

“We read an article about a family who thought they’d insured their house properly; they thought they’d done everything right, covered all the bases, and had good coverage. But when a fire took their home, they discovered that wasn’t the case. What the fire didn’t take from them, the bank did. Shauna and I knew that people needed more help than they were getting, when it comes to choosing the right levels and types of insurance. That’s why we don’t feel we ‘sell’ insurance – we help educate people to make the right choices.”

Education Moment – Homeowners Insurance Terminology

A standard homeowners’ insurance policy usually states that the insurer will cover costs related to damage to the interior or exterior of your house, loss or damage to your personal belongings, and personal liability for damage or injuries caused by you or your family, including your dog!

There are different types of coverage, but there are essentially three levels of coverage:

  • Actual cash value – This covers the value of the house plus the value of your belongings after deducting depreciation (how much the items are currently worth, not what you paid for them).
  • Replacement cost – This is the actual cash value today, without the deduction for depreciation. In other words, this coverage would enable you to rebuild your house and replace the items in it at the time of the loss at today’s costs.
  • Guaranteed (or extended) replacement cost – The most comprehensive coverage negates inflation and pays for whatever it costs to repair or build your home – even if it’s more than your policy limit. Certain insurers offer extended replacement, meaning it offers more coverage than you purchased, but there is a ceiling; typically 20-25% higher than the policy limit.

Contact Us Today

Looking for homeowners insurance in Arizona or New Mexico? Call your local Alpha & Omega team at 480.792.1000 (AZ) or 505.822.1008 (NM) or come and see us, and we will help you make the most responsible coverage choice you can.
“Mike & Shauna answered all my questions regarding the insurance during the purchase of my new home. They combined my home, auto, umbrella while also helping me understand the importance of having the right coverage with a strong company and also how my insurance policies will protect me when faced with the unexpected.”

Kelsa D.

Chandler, AZ

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