At 83.7% owner-occupied with a median of $413,800, Marana is block walls and desert landscaping on almost every lot. Both sit under a limit that was calculated from the house.
Walls, gates and landscaping fall under other structures and plants carry a limit of their own.
Three things about everything on the lot that is not the house.
A perimeter wall knocked down by a microburst is covered under other structures, which is a percentage of the dwelling limit shared with every detached thing you own. Replacing a long run of block wall is not a small job, and on a lot with walls on three sides it uses a meaningful share of a limit nobody has ever checked.
Trees, shrubs and landscaping are typically covered only for specific perils and only up to a modest limit, frequently with a further cap per plant. Mature desert landscaping is expensive to replace and the policy was not written with that in mind.
A wall pushed out of plumb and left standing is still damaged, and the claim is easier when it is reported promptly rather than after it finally falls. Documenting the yard before storm season is worth the ten minutes.
The lot, not just the building.
Shared walls, perimeter walls and gates all add up against one limit.
Mature plants carry real cost and a small policy cap.
Default, rarely reviewed, and increasable where it needs to be.
Tell us roughly how much block wall is on the lot and what the landscaping is worth.
We check the other structures limit against what is actually on the property.
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