Personal Lines — Home Insurance
Homeowner Insurance in Nevada & Arizona
Your home is your most important investment — and your family's safe haven. AIM 1nsurance shops 67+ top-rated carriers to make sure it's protected the right way, at the right price.
Coverage Built Around Your Home
A home insurance policy isn't one-size-fits-all. It should be carefully selected to match your home, your lifestyle, and your budget. As your independent broker, we'll walk you through every option and make sure nothing important gets left out.
What a Home Insurance Policy Covers
The Dwelling
This is the core of your policy — it covers the cost to repair or fully rebuild your home if it's damaged or destroyed. The limit is based on your home's replacement cost, factoring in construction type, square footage, and finishes. We'll make sure your home is insured to its true value.
Other Structures
Covers detached structures on your property — like a shed, detached garage, or fence — that aren't attached to the main dwelling. These are often the first things damaged in a claim, so it's important they're covered.
Personal Property
Covers the contents of your home — clothing, electronics, furniture, and more. Think of it this way: if you flipped your home upside down, everything that fell out is your personal property. We'll make sure it's all accounted for.
High-Value Personal Property
Jewelry, antiques, fine art, and other high-value items may exceed standard personal property limits. We can add an endorsement to your policy or set up a separate policy to make sure those items are fully protected.
Liability
Often overlooked — but critically important. If someone is injured on your property and files a lawsuit, your liability coverage pays for legal fees and any damages you're found responsible for. It's a must-have.
Additional Living Expenses
If your home is severely damaged and uninhabitable, your policy pays for you to stay in a hotel or temporary housing while repairs are made. You won't be left scrambling for a place to stay.
Custom-Built Coverage for Your Home
Every home is unique — and your policy should be too. Whether you have a pool, a patio, ceramic roof tiles, or a high-rise condo, we'll tailor your coverage to match. We'll also make sure you understand any limitations in your policy, including:
- Short-term rental coverage (Airbnb, VRBO, etc.)
- Earthquake and flood exclusions or add-ons
- Special wind deductibles or wind exclusions
- Hail damage limitations
- Dog liability coverage
- High-value item endorsements
Choosing the Right Deductible
Your deductible is the amount you pay out of pocket before your insurance kicks in. We'll help you find the right balance — a deductible that keeps your premium manageable while staying within what you could comfortably cover in a claim.
What to Expect When Getting a Quote
Getting a homeowner insurance quote with AIM 1nsurance is fast and straightforward — most clients are done in under 10 minutes. Here's what we'll need:
Property & Basic Info
- Property address of the home to be insured
- Your date of birth and desired coverage start date
- We'll search public records — you may not need to fill in every detail
Home Details
- Number of people living in the home full-time
- Whether the home is your primary residence
- Year built and total finished square footage
- Number of stories and other structures on the property
Insurance History
- Any claims for insured losses in the past 5 years
- Name of your most recent property insurance carrier
- Dates of your last coverage period
Safety Features & Other Factors
- Burglar alarms and fire alarms
- Sprinkler systems
- Distance to the nearest fire station
- Accessibility of your home to fire services
The more detail you can provide, the more accurate your quote will be. Our agents are here to guide you through every step.
Let's Protect Your Home the Right Way
Whether you own a suburban home, a modern condo, or a custom-built property in Henderson or anywhere across Nevada and Arizona — we can insure it. Call us today or request a free quote and let's get started.