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Oakley Insurance Group

7040 N Oracle Road
Tucson, Arizona 85704

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Arizona Homeowners with home insurance coverage

Homeowner's Insurance

Owning a home is a major accomplishment, and insurance can protect your financial health and provide for your family in the event of a loss. At Oakley Insurance Group, we provide Arizona homeowners and homeowner's in many other states with the coverage and peace of mind they need. For an in depth look at a homeowners' policy please see our blog article HERE.


Home insurance is important for protecting the place you call home, and the things that make your house your home. Homeowner’s Insurance covers the structure of your home, the property inside the home, provides funds for living if you are displaced from your home, and protects you for potential liability that could arise when others are on your property. Here's what you need to know about basic home coverage. Homeowner's insurance is broken up into five main parts, with other optional parts being added to boost areas of coverage.


Coverage A – Dwelling: Coverage A – Dwelling, is the calculated rebuild value of the home, meaning, if the home were to be completely destroyed, this is what it would cost to rebuild it – this is not the “retail” price, or the price including land.

Coverage B – Other Structures: Coverage B – Other Structures, covers other structures on the property that aren’t attached to the main dwelling. This could include a shed, a garage, or other similar structures.

Coverage C – Personal Property: The Coverage C – Personal property, is coverage for exactly that, your personal property. Personal property includes but isn’t limited to furnishings, appliances, clothing, electronics, etc…

Coverage D – Loss of Use: Loss of use coverage is an amount of insurance available to use toward cost of living in the situation that you are displaced by an event that was covered by your insurance. This coverage will pay for a place to stay, food, transportation, and laundry services until your home is suitable to live in again, or you have found a new permanent home.

Coverage E – Liability: Liability coverage is used to cover yourself on or off your property if you are found liable for bodily injury or property damage to someone sustained from non-business-related activity, such as someone injured during a party at your house.


Remember it is important to discuss your coverage requirements and all aspects of your property with one of our licensed, experienced agents before making any coverage decisions. Let Oakley Insurance Group guide and educate you through this process so you have the coverage your home and your family needs for the unexpected life may bring.


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