Built around rebuild cost, not market value
A cabin on a wooded lot in Pinetop can be worth far more — or far less — than it costs to rebuild. Insurance covers the structure, so we start with an accurate replacement-cost estimate and add extended replacement cost wherever a carrier offers it.
Coverage we review with every homeowner
- Dwelling — the structure itself, at full replacement cost.
- Other structures — detached garages, sheds, fences, and workshops.
- Personal property — furniture, electronics, tools, and clothing.
- Additional living expenses — housing and meals while your home is repaired.
- Personal liability and medical payments — protection when a guest is injured on your property.
Mountain and desert risks, covered
Wildfire season, spring hail, monsoon wind, and winter freeze all shape how a policy should be built in Arizona. We match you with carriers that write well in your area — including second homes and cabins.