AZ INSURANCE TEAM BLOG

Choosing the right property insurance policy is essential whether you’re building a new home, renovating an investment property, flipping a house, or protecting your primary residence. Many property owners assume a standard homeowners policy covers every situation, but that’s often not the case. Understanding the differences between builder’s risk insurance, course of construction insurance, vacant home insurance, and homeowners insurance can help you avoid costly coverage ga

Learn whether homeowners insurance covers home-based businesses, what exclusions apply, and when you may need a business endorsement or Business Owners Policy (BOP).

Remote work and side hustles are no longer niche. In 2026, millions of Americans earn income from freelance work, e-commerce, consulting, rideshare driving, content creation, and home-based businesses. According to recent QuickBooks research, nearly half of Americans report earning income from a side hustle or secondary business. But one thing many home-based business owners still overlook is insurance. A standard homeowners or renters insurance policy usually does not fully

If you live in the same apartment complex, condo community, or neighborhood as someone else, you may wonder why your renters insurance premium is higher than theirs. Even if your homes appear nearly identical, insurance companies use a variety of personal, financial, and property-related factors to calculate insurance rates. Understanding what impacts renters insurance pricing can help you make informed decisions and potentially lower your monthly premium. Below are some of t

When most people think about flood insurance, states like Florida and Louisiana come to mind as regions where hurricanes, storm surges, and heavy rainfall make flooding a constant threat. But what about Arizona? Is flood insurance really necessary in the Sonoran Desert? What Counts as a Flood? Before deciding whether you need coverage, it’s important to understand how flood insurance works. According to the National Flood Insurance Program (NFIP), a flood is defined as water