Quail Creek Homes | Russ Fortuno, Tierra Antigua Realty
Register Login (520) 333-0446
  • Bloglovin
  • Email
  • Facebook
  • LinkedIn
  • YouTube
  • Home
  • Homes for Sale
    • All Active Listings
    • Floor Plans
    • Homes w/ Pools
    • Single Family / Detached
    • Villas
  • Community Info
  • Amenities
  • Buyers
  • Sellers
  • About
  • Blog
You are here: Home / Blog / Tips for Home Buyers

What home insurance does (and doesn’t) cover

November 14, 2020

What home insurance does — and doesn’t — cover

Getting homeowners insurance when you purchase a house is a non-negotiable. But while standard home insurance policies provide a high level of coverage and protection, they don’t cover everything — and in order to protect your home (and your investment), it’s important to understand what potential issues might fall outside your home insurance umbrella.

Here are a few things that you may be surprised to learn that your homeowner’s insurance doesn’t cover:

  • Floods. While home insurance typically covers water issues like burst pipes, if your home is flooded due to a hurricane or excessive rain, most standard home insurance policies won’t cover the damage. In order to get coverage, you’ll need to purchase additional flood insurance.
  • Earthquakes. Similar to floods, most standard home insurance policies don’t cover earthquakes—so if you want coverage, you’ll need to buy a separate earthquake insurance policy.
  • Renovation damage. If you’re doing major renovations on your home—like gutting the interior or replacing the roof—most home insurance policies won’t cover the damage. If you want to protect yourself in the case of damage caused by the contractor, you’ll need to purchase a renovation policy.
  • Termites. Pest control and insect infestations can be prevented with proper maintenance, so the cost to remove termites and repair their damage is generally not covered by your homeowners insurance.

So, what does this mean for you? If you’re thinking about buying a home, it’s important to understand the limits of your home insurance policy, and that you purchase additional coverage or maintenance agreements when necessary to protect your home.

Filed Under: Tips for Home Buyers, Home Ownership Tagged With: Insurance

New Listing

NOTIFICATIONS

  • Email Alerts for New Listings
  • Save Your Favorites
  • Schedule Showing Requests
  • Price Change Notifications
  • Plus More…

Sign Up

What’s Your

HOME WORTH?

Find Out

Client

TESTIMONIALS

"Russ did a great job on taking us through the process of purchasing our new home. He is an excellent Realtor who smoothly managed our purchasing requests with fellow agents. He knows what needs to be done and worked hard to keep the process on track. He also used his list of resources to schedule home and pool inspections in a timely manner. Russ also walked us through the more challenging action of acquiring the sellers solar panel loan; a potentially lengthy process. Also, Russ was easy to contact and always got back to us immediately with accurate answers to our questions. His use of technology to officially sign documents was extremely helpful. Based upon our statement of needs, Russ was able to take us to homes that we felt would work well for us. My wife and I both highly recommend Russ Fortuno as an agent for any home buyer in the Green Valley and Quail Creek area."
- Wayne D., Quail Creek
"Our situation was complex and Mr. Fortuno’s knowledge and experience made for a seamless transition. The timing of our sale was paramount and it happened as planned. His knowledge of the market was of upmost importance. Our home was priced accordingly and sold immediately. Additionally, Mr. Fortuno was available for our questions with prompt replies, often considerations or options. Our experience was “top notch” and we highly recommend him."
- Pat N., Quail Creek
"Russ is a Realtor you will want to use! We worked with Russ to sell our property, all while we were living out of state. We got the selling price we wanted, he was always responsive to phone calls, texts, emails; went out of his way numerous times to make sure things like permits were in place or that services to the property were being taken care off. If Russ was licensed in other states I would always use him."
- Tom S., Quail Creek
View All

Listing Notifications

Sign Up! New listings delivered to your inbox!
Sign Up Now

Stay Connected

  • Bloglovin
  • Email
  • Facebook
  • LinkedIn
  • Phone
  • YouTube

agent photo

Russ Fortuno, Associate Broker

I'm a Southern Arizona native and Quail Creek resident. Whether you’re buying or selling a home in Quail Creek, you’ll experience unsurpassed service and professionalism at all stages of your real estate transaction. I welcome the opportunity to assist in your next home sale or purchase.
Meet Russ

Tierra Antigua Realty

18745 S. I-19 Frontage Rd., Ste. A105
Green Valley, AZ 85614
(520) 333-0446
Contact Russ

This site is not affiliated with Robson Communities or the Quail Creek Country Club Property Owners Association.
© 2025 Russell E Fortuno PLLC, All Rights Reserved. ADRE BR658088000   •   Privacy