Facepoint Insurance Services
500 N Estrella Pkwy Ste B2, #110, Goodyear, AZ 85338
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500 N Estrella Pkwy Ste B2, #110, Goodyear, AZ 85338
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2721 N Central Ave, Goodyear, AZ 85395
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15887 S 183rd Dr, Goodyear, AZ 85338
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Learn about insurance coverage options specific to Goodyear residents.
Goodyear home insurance averages $2,602/year. Learn about monsoon coverage, haboobs, flood risk, and master-planned community requirements.
Car InsuranceGet the right auto insurance in Goodyear, Arizona. Learn about at-fault rules, minimum coverage, monsoon risks, and how to save on premiums.
Yes, standard homeowners policies cover damage from monsoon winds, lightning, and hail. However, flood damage from monsoon rains is excluded and requires separate flood insurance. Wind damage is typically covered, but check whether your policy has a separate wind/hail deductible, which may be higher than your standard deductible.
It's strongly recommended. Arizona's hard desert ground doesn't absorb water, leading to flash floods even in areas not mapped as high-risk. Flood insurance through the NFIP is affordable for low-to-moderate risk areas, often just a few hundred dollars annually. Remember, there's typically a 30-day waiting period, so you can't buy it once a storm is approaching.
Arizona's average homeowners insurance premium is about $2,602 per year, below the national average. In Goodyear, where median home values are around $473,000 and many homes are new construction, you'll likely pay above the state average depending on your home's size, features, and coverage limits. Get quotes from multiple carriers to find the best rate for your specific situation.
Wind damage from haboobs is typically covered under standard homeowners policies, including damage to your roof, windows, or structure. However, dust-related wear and tear on your HVAC system is considered maintenance, not a covered peril. Keep up with air filter changes and regular AC servicing to prevent dust damage from becoming a bigger issue.
Yes, many HOAs in communities like Estrella have minimum coverage requirements for dwelling limits, liability, and sometimes additional endorsements. Ask your HOA for their specific insurance requirements before finalizing your policy, as failing to meet these standards can result in fines or liens on your property.
Standard homeowners policies in Arizona typically cover wildfire damage. Goodyear itself isn't a high wildfire risk area due to urban development, but smoke and air quality from statewide fires can still affect the region. Insurers are becoming more selective in high-risk areas of Arizona, and some homeowners have seen significant premium increases due to statewide wildfire exposure.
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