Protect Your Home, Your Belongings & Your Peace of Mind
Fountain Hills is known for its hillside homes, desert landscapes, mountain views, and luxury properties. With unique exposures such as wildfires, monsoon winds, theft, and high-value construction materials, the right home insurance is essential.
At CEO Insurance & Financial Services, we help homeowners find strong, affordable coverage that meets their property needs and HOA requirements.
What Home Insurance Covers
Dwelling Coverage
Protects the structure of your home from:
• Fire
• Lightning
• Windstorms / monsoon damage
• Smoke
• Hail
• Vandalism
• Burst pipes*
• Falling objects
(*Depends on policy type)
Covers replacement cost for rebuilding your home.
Other Structures Coverage
Covers:
• Detached garages
• Casitas
• Guest houses
• Fences
• Sheds
• Outdoor structures
Important in Fountain Hills due to casitas and add-on structures.
Personal Property Coverage
Protects belongings such as:
• Electronics
• Furniture
• Clothing
• Appliances
• Jewelry (limits apply)
Replacement cost options available.
Liability Coverage
Protects you if someone is injured on your property.
Covers:
• Medical bills
• Legal defense
• Damages
High-limit options recommended for high-value homes.
Loss of Use
Pays living expenses if your home becomes uninhabitable after a covered claim.
Optional Home Insurance Enhancements
Extended Dwelling Replacement Cost
Adds additional rebuild protection if construction costs increase.
Water Backup Coverage
Covers repairs from backed-up drains or sump pump overflow.
Service Line Coverage
Protects underground water, sewer, and power lines — common issues in older neighborhoods.
Wildfire & Brush Hazard Protection
Ideal for desert and hillside homes.
Jewelry, Fine Art & Collectibles Riders
Essential for high-net-worth households.
Roof Replacement Cost Upgrade
Ensures you get a full-value roof replacement, not a depreciated amount.
Why Fountain Hills Homeowners Choose Us
• Coverage options for luxury and high-value homes
• Experience with hillside property risks
• Discounts for bundling home + auto
• Easy quotes and excellent customer service
• Bilingual services (English & Spanish)
• Independent agency — we shop for YOU
How to Get Home Insurance in Fountain Hills, AZ
- Call or text 480-270-2935
- Provide your home details
- We compare multiple insurance carriers
- Choose the best coverage and price
Fast, simple, and accurate.
Home Insurance FAQs — Fountain Hills, AZ
Are wildfire risks covered?
Yes — with most standard policies (varies by carrier).
Are roofs covered for full replacement?
Yes, if you choose Replacement Cost coverage.
Do HOAs require specific insurance?
Some neighborhoods require liability minimums or structure coverage.
Can jewelry and art be insured?
Yes — with scheduled personal property riders.
Get a Home Insurance Quote in Fountain Hills Today
Protect your home and everything in it.
Call or text 480-270-2935 for a home insurance quote.
¿Prefieres hablar en español?
¿Prefieres hablar en español? Llámanos al 480-270-2935 y te ayudamos con tu seguro de casa en Fountain Hills, AZ.