Red rock country split across two county lines, with a median home within three thousand dollars of the Scottsdale figure and a visitor economy that puts paying guests inside ordinary homes.
A homeowners policy is written for a residence. The moment it is rented to guests it is being used as something the contract did not price.
Three things we check on every Sedona quote, because each one decides what a claim pays rather than whether you have one.
Most personal homeowners forms exclude or sharply limit rental to transient guests, and a denial can rest on that alone no matter how ordinary the arrangement felt. Arizona law keeps towns from banning the practice, which means a great many Sedona homes are doing something their policy never contemplated. The fix is a policy written for it, not a hope that nobody asks.
Creek flooding and the runoff that follows a storm upstream are excluded from every homeowners and renters form sold in Arizona, whatever the source of the water. Flood is a separate policy with a waiting period, and proximity to the creek is the first thing to check rather than the last.
Custom construction on difficult lots, with design review and a limited local trade base, costs more and takes longer to replace than a dwelling limit set from a purchase price suggests. Loss of use matters as much as the dwelling limit when the rebuild runs long.
Across 4,917 households, which works out to under two people each, the lowest in our territory and the mark of second homes and retirees.
Third on this site, behind Paradise Valley and Scottsdale, and within three thousand dollars of Scottsdale in a market where the land is doing much of the work.
Just under three quarters own, though owning and living there year round are different things here.
Written for Arizona, quoted for your address in Sedona.
Read moreWritten for Arizona, quoted for your address in Sedona.
Read moreWritten for Arizona, quoted for your address in Sedona.
Read moreWritten for Arizona, quoted for your address in Sedona.
Read moreWritten for Arizona, quoted for your address in Sedona.
Read moreTell us whether anyone pays to stay there, and for how long at a time. That one answer changes the policy.
We establish how the property is actually used before quoting it.
Request a quoteCall before the first booking, not after the first claim. The order matters more here than anywhere.
