Phoenix summers are extreme dry heat. Cooling equipment and the building envelope do most of the comfort work for much of the year.
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Service types
Comparing homeowners policies
How dwelling limits, deductibles, and named exclusions change what a policy pays.
Dwelling and liability coverage
The difference between the structure, your belongings, loss of use, and liability.
Flood and wind questions
Standard homeowners policies often treat flood, and sometimes wind, differently from other damage.
Working with an agent or carrier
What to have ready, and what an independent third party can and cannot decide for you.