Independent agency in Peoria, Arizona. Strategic Insurance Agency Alliance member.
Independent agency in Peoria, Arizona. Strategic Insurance Agency Alliance member.
Your home is likely your largest investment, and it deserves strong protection. Homeowners insurance in Peoria helps safeguard against risks such as fire, theft, storms, and liability claims, and it is the policy Arizona carriers are pickiest about.
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A homeowners policy is four protections in one contract. It rebuilds the structure, it replaces what is inside it, it defends you when somebody is hurt on your property, and it pays for somewhere to live while the first one is being fixed.
In addition to meeting mortgage lender requirements, home insurance gives you the reassurance that you are prepared for life's unexpected events. Your lender cares about the first protection. You should care about all four, because the one that most often blows past its limit is liability, and the one people forget exists entirely is loss of use.
The number that decides most of your premium is your dwelling limit, and it is not your purchase price and not your Zillow estimate. It is what it would cost to rebuild the house today, at today's labor and material prices, on the lot it already sits on. Arizona rebuild costs have moved a lot in recent years. If nobody has revisited yours since you bought, that is the first thing we will look at.
The second is the roof, because in this state the roof decides which carriers will even quote you and on what terms.
At a glance
Home insurance in Arizona
Required by law
Nothing. Your mortgage lender is what requires it.
What sets the premium
Rebuild cost, roof age and material, claims history, and your deductible.
The Arizona wrinkle
Roof age. Many carriers move older roofs to actual cash value instead of replacement cost.
Not covered by this policy
Flood. That is a separate policy, NFIP or private.
Discounts named in this page
Security system, roof upgrade, bundling with auto.
The four parts
These four names appear on every homeowners declarations page in the country. What differs between carriers is the limit next to each one and the fine print underneath.
602-480-6453Homeowners
Declarations
Dwelling Coverage
Pays for repairs or rebuilding if your home is damaged by a covered event.
This limit should track the cost to rebuild, not what you paid or what it would sell for.
Personal Property Coverage
Protects furniture, clothing, electronics, and other belongings.
Usually set as a percentage of the dwelling limit, with sub-limits on jewelry, firearms and tools that catch people out.
Liability Protection
Covers legal costs if someone is injured on your property.
This is the coverage a pool, a trampoline or a dog makes worth a second look, and the one an umbrella policy sits on top of.
Loss of Use
Provides funds for temporary living expenses if you are unable to stay in your home during repairs.
A rental, a hotel, the extra cost of eating out, all of it while the rebuild happens.
Illustration of how a declarations page is laid out. Not a real policy.
The Arizona part
Arizona sun and monsoon wind are hard on a roof, and carriers know it. Once a roof passes a certain age, many of them stop paying replacement cost on it and switch to actual cash value instead. The distinction sounds like paperwork until you file a claim.
Replacement cost pays what a new roof costs today. Actual cash value pays what your old roof was worth on the day it was damaged, after depreciation, which on a twenty-year-old shingle roof can be a fraction of the bill. Same claim, same storm, very different check.
Where the cutoff sits, and whether it applies to your roof material, varies by carrier. That is precisely the kind of thing that never shows up in a price comparison and shows up very clearly after a haboob. We read the roof schedule on every home quote we run and will tell you which carrier is treating your roof most generously, not just which is cheapest this month.
Dwelling rebuilds the structure. Personal property replaces what is inside. Liability defends you when someone is hurt on the property. Loss of use pays for somewhere to live while the work happens.
Ask about these
Homeowners in Arizona may also qualify for discounts for installing security systems, upgrading your roof, or bundling policies with auto insurance.
01
Security system
02
Roof upgrade or replacement
03
Bundle with auto
04
Claims-free history
A roof replacement is worth telling your agent about the week it is finished, not at the next renewal. The rate change can be immediate.
Two policies can carry the same dwelling limit and pay out very differently. This is the clause that decides it.
Actual cash value roof
Pays what the roof was worth on the day of the loss, after depreciation.
On an older roof that can be a small share of the replacement bill.
Usually a lower premium, which is why it quietly wins price comparisons.
The gap between the check and the invoice comes out of your savings.
Replacement cost roof
Pays what a comparable new roof costs today, subject to your deductible.
Carriers apply age and material rules, so eligibility is worth confirming in writing.
Costs more per month and is usually the difference that matters after a storm.
We check the roof rules at every carrier we quote and tell you which way each one pays.
Your house is where your family's whole life happens, so we treat a home quote like it matters. We are an independent Peoria agency, not tied to one company, and we take your roof, your rebuild cost and your claims history to the carriers most likely to treat them fairly.
What you can count on
A full look at your coverage, not just your price
Straight answers about what the policy will and will not do
Help finding every discount you have already earned
A local agent who knows Arizona roofs, monsoons and rebuild costs
We start with the dwelling limit and the roof, then works down: the personal property percentage, the sub-limits on the things you actually own, the liability limit against what you have to lose, and the deductible against what you keep in savings. A higher deductible is often the cheapest way to buy a better policy, and it is the option most people are never offered.
We will also tell you what this policy does not do. It does not cover flood, and Arizona's monsoon season makes that a real gap rather than a theoretical one. It does not cover a business you run out of the house without an endorsement. It does not cover an ATV once it leaves the property.
Then we quote the house and the cars together and separately, so you can see the bundle discount as a number rather than a promise.
In their words
5.0 stars across Google and Facebook
“
I had a great experience with Shield of Faith Insurance! Mena took the time to understand our family's needs and explained each part of the coverage clearly. He helped us set up a home insurance policy with stronger protection and bundled it with our auto insurance for a package at a lower cost. What stood out most was his honesty and patience, he focused only on what truly benefited us, making the whole process simple and stress-free. We now have better coverage and peace of mind thanks to Mena. Highly recommend!
HK
Hanna K.
Google and Facebook
Great experience with this insurance agent! He helped me find a good price for my car insurance and made the whole process easy and stress-free. Very helpful, honest, and professional. Highly recommend!
Ramez Y. · Google
Shield of Faith Insurance made getting renters insurance simple and affordable, after talking to a few other brokers, they were the ones who helped me get the best coverage with no stress!
Ahmad F. · Google and Facebook
I had a really good experience working with Shield of Faith Insurance. I needed new rental insurance as I was moving apartments. I got sent details on the policy next day and all I had to do was sign the forms. I ended up with a really good deal and saved about 20% compared to my old policy. I reached out to him again about auto insurance as well. I have had Geico for over 5 years and my premiums had only gotten more expensive. He somehow ended up getting me more coverage for half the price I was paying before. The entire process was easy and Mena was very responsive to email and text. Would highly encourage you to take a look and see what type of deals he can make for your insurance policies.
David G. · Google
I had a fantastic experience with Shield of Faith Insurance! Mena was incredibly patient and took the time to walk me through every detail of the coverage options. He made sure I understood the benefits clearly and only recommended what truly made sense for my specific situation. Thanks to Mena, I now have an auto policy that provides much better coverage at a significantly lower cost than what I was paying before. The entire process was smooth and efficient. He handled most of the backend work, which saved me a lot of time and hassle. If you're looking for an honest, knowledgeable, and helpful insurance agent, I highly recommend Mena at Shield of Faith Insurance!
Sara Z. · Google
Every review above is quoted in full from Google or Facebook. Read all of them.
How much homeowners insurance do I need in Peoria?
Enough to rebuild your home at today's construction costs, which is usually not the same as what you paid for it or what it would sell for. Land value is not part of a rebuild. We will work out a replacement cost estimate with you instead of picking a round number.
Does homeowners insurance cover monsoon damage?
Wind and hail damage from a monsoon storm is generally covered, and so is a tree coming down on the roof. Flooding is not. Water that rises from outside the house, including flash flooding off a wash, needs a separate flood policy through the NFIP or a private carrier.
Why do carriers care so much about the age of my roof?
Because Arizona sun and monsoon wind shorten a roof's life, roofs are the most frequent large claim on desert homes. Once a roof passes a carrier's age threshold, many switch that portion of the policy from replacement cost to actual cash value, or decline to quote at all. Comparing carriers is how you find the one whose rules suit your roof.
Can I bundle my home and auto insurance?
In many cases, yes, and it is usually the largest single discount available on either policy. Ask us to price them together and apart, so you see the real difference instead of assuming the bundle wins.
What if I have a pool, a trampoline or a dog?
All three affect your liability exposure and some carriers ask about them directly. None of them is automatically a problem, but they are exactly the kind of detail that should be disclosed at quote time rather than discovered at claim time. They are also a good reason to look at an umbrella policy.
Do I pay extra because you are an independent agency?
Generally, no. The carrier pays the agency, so your price is the carrier's price. The difference is that someone local compares companies for your home, instead of you filling in the same forms one site at a time.
Free and no obligation
At Shield of Faith Insurance, we make it easy to compare options and find affordable coverage. Whether you need auto insurance, homeowners insurance, life insurance, or specialty coverage in Peoria, AZ, we're here to help.
Contact our Peoria office today to request your free, no-obligation insurance quote and discover how we can help you protect what matters most.
Call or text anytime during the business week. Evenings and Saturdays by appointment.
What happens next
1
A real person from our office calls you back with real numbers.2
No robo-dialers and no spam calls.3
You pick the coverage, we handle the paperwork.Service area
Shield of Faith writes homeowners insurance in Peoria, AZ, plus Glendale, Surprise and Sun City. If you are comparing home insurance in Peoria, AZ against your renewal, gathering homeowners insurance quotes in Peoria, AZ for a new purchase, or pricing home insurance quotes in Arizona after a rate increase, the roof is usually what decides it. People search for cheap homeowners insurance in Arizona and for the best homeowners insurance in Arizona and land in the same place: house insurance in Arizona is priced on the roof, the rebuild cost and the claims history, and every carrier we work with reads those three things a little differently.
The 60 second version
Tell us what you own and how to reach you. We will do the comparing.
No robo-dialers and no spam calls. A local agent follows up personally. Sending this does not bind coverage.
Send us the declarations page. We will tell you honestly whether you are underinsured, overinsured, or fine as you are, so you can rest easier either way.
