What is
Home Insurance
Your home is more than just four walls — it’s your safe space, your family’s gathering place, and often your largest investment. At Danilovic Agency, we provide reliable homeowners insurance that protects your house, your belongings, and your peace of mind against life’s unexpected events.
What Does Homeowners Insurance Cover?
A standard homeowners policy gives you protection where you need it most:
- Dwelling Coverage – Pays to repair or rebuild your home if it’s damaged by fire, hail, wind, or other covered events.
- Other Structures – Covers detached property such as garages, sheds, and fences.
- Personal Belongings – Protects your electronics, furniture, clothing, and more from theft, fire, or storm damage.
- Loss of Use / Living Expenses – Pays for hotel stays, meals, and other living costs if your home becomes uninhabitable after a covered loss.
- Liability Protection – Covers legal costs, medical bills, and property damage if you’re responsible for an accident in or around your home.
- Guest Medical Payments – Provides coverage if someone is injured on your property, regardless of fault.
Optional Coverage for Extra Protection
Medical Expense Coverage & PIP:
Expand your policy with add-ons tailored to your home and lifestyle:
- Equipment Breakdown – Covers sudden electrical or mechanical failures of home systems and appliances.
- Flood & Sewer Backup – Protection from Arizona monsoon floods, sewer/septic backups, and sump pump overflow.
- Hidden Water Damage – Helps repair costly damage you can’t immediately see.
- Roof & Siding Matching – Ensures replacement materials match the undamaged portions of your home.
- Service Line Coverage – Pays to repair underground utility lines.
- Vacation or Rental Property Coverage – Protection for Airbnb/VRBO rentals, vacation homes, or vacant homes.
- Home Business Coverage – Extra protection for small businesses operated from your home.
- Identity Theft & Credit Monitoring – Safeguards your financial security with credit monitoring and recovery services.
- High-Value Property Coverage – Additional protection for jewelry, collectibles, artwork, and more.
Protect Your Arizona Home with Confidence
From Phoenix to Prescott, your home deserves more than basic coverage. With Danilovic Agency, you can enjoy life knowing your home, your family, and your belongings are secure.
Do You Have Enough Coverage?
Arizona requires every driver to carry a minimum level of auto insurance, but in many cases those limits aren’t enough to fully protect you. Medical bills, lawsuits, or repair costs can quickly exceed the state minimums, leaving you personally responsible for the difference.
At Danilovic Agency, we go beyond the basics — helping you meet state requirements while also customizing a policy that truly fits your needs and budget.