At 83.6% owner-occupied, Maricopa is almost entirely owner households in recent housing. Almost all of them are on one of two standard forms and very few could say which.
The difference between the common forms is how your belongings are covered, not how the house is.
Three things about the contract rather than the property.
On the most common homeowners form the structure is covered against any peril except those listed as excluded, while your personal property is covered only against a specific list of named perils. If a loss to your belongings is not on that list, it is not covered, and most owners assume both halves work the same way.
A broader form extends open peril cover to personal property as well, meaning anything not expressly excluded is covered. It costs modestly more and it is a materially different contract, particularly for the odd losses that no named peril list anticipates.
The form is identified on the declarations page in a way that means nothing to most people. It is the single most consequential fact about a policy and the one least likely to have been explained at the sale.
Reading the contract you already hold.
One line on the declarations page, and it decides how contents claims work.
Usually modest. We will show you the actual numbers rather than assert it.
A separate question from the form and equally worth confirming.
Send your declarations page. The form is one line on it and it changes a lot.
We tell you which contract you hold before quoting a different one.
Request a quote