Does home insurance in Sedona cover wildfire?

Yes. Most homeowners insurance policies cover wildfire and smoke damage in Sedona.

Can you insure luxury or high-value Sedona homes?

Yes. We work with carriers specializing in high-value and custom homes.

What is usually covered by home insurance?

Home insurance typically covers the dwelling, personal property, other structures, liability, and loss of use, plus optional add-ons like water backup.

HOME INSURANCE IN SEDONA, AZ

Q: Does home insurance include flood coverage?

No. Flood insurance must be purchased separately.

Protect Your Home Against Wildfire, Storms, Theft & More

Sedona’s beautiful landscape comes with unique risks — wildfire exposure, monsoon storms, steep terrain, and high-value homes. Homeowners in West Sedona, Uptown, VOC, Oak Creek Canyon, Chapel, and surrounding areas rely on strong home insurance to protect their property and peace of mind.

At CEO Insurance & Financial Services, we compare multiple carriers to find the best and most affordable options for Sedona homeowners.

What Does Home Insurance Cover?

Dwelling Coverage

Covers the structure of your home from:
• Fire & smoke
• Monsoon storms
• Lightning & hail
• Vandalism
• Falling objects
• Theft
• Some water damage (limited)

Coverage is based on replacement cost, not market value.

Other Structures

Covers detached buildings such as:
• Sheds
• Garages
• Fences
• Casitas
• Pergolas
• Carports

Personal Property (Contents)

Covers your belongings including:
• Furniture
• Clothing
• Electronics
• Appliances
• Tools
• Art (may require special scheduling)

Replacement cost

Options available.

Loss of Use (Additional Living Expenses)

If your home becomes unlivable after a covered claim, this helps pay for:
• Hotel stays
• Temporary housing
• Food & extra living costs

Personal Liability Insurance

Protects you if someone is injured on your property or if you accidentally cause damage elsewhere.
Covers:
• Medical bills
• Legal defense
• Settlements and judgments

Umbrella policies

Available for higher limits.

Medical Payments to Others

Covers minor injuries to guests, regardless of fault.

Recommended Add-Ons for Sedona Homeowners

Because Sedona has wildfire, slope, and monsoon risks, many homeowners add:
• Water backup
• Service line coverage
• Equipment breakdown
• Ordinance or Law
• Extended replacement cost
• Wildfire smoke damage coverage
• High-value home endorsements

We help customize your coverage.

Homes We Insure in Sedona

• Primary homes
• Secondary/vacation homes
• Luxury homes
• Townhomes
• Custom homes
• Homes on acreage
• Short-term rental properties (depending on carrier)

Why Sedona Homeowners Choose CEO Insurance

• We compare top-rated homeowners carriers
• Expertise in Sedona + Village of Oak Creek
• Local risk knowledge (wildfire, monsoons, terrain)
• Home + Auto + Umbrella bundles for discounts
• Help reviewing replacement cost estimates
• English & Spanish speaking service
• We’re an independent agency — we work for YOU

How to Get Home Insurance in Sedona, AZ

Call or text 480-270-2935
Provide home details (year built, size, roof type, updates)
We compare multiple carriers
You choose the best coverage and rate

Fast and professional.

Home Insurance FAQs — Sedona, AZ

Does home insurance cover wildfire?

Yes — wildfire and smoke damage are covered under most standard home policies.

Does home insurance cover flood damage?

No — flood insurance must be purchased separately.

Can you insure high-value or custom Sedona homes?

Yes — we work with carriers specializing in luxury homes.

Is home insurance required?

If you have a mortgage, your lender requires it. Even without a mortgage, it’s strongly recommended.