Who Pays for That? 5 Weird But Real Insurance Scenarios in Arizona

You’ve paid your premium. You feel prepared. But then something truly Arizona happens and suddenly, you’re wondering: “Is that even covered?”

Here are 5 strange but real scenarios we’ve seen (or insured against!) here in the Grand Canyon State and what you should know about your coverage:

1. A Javelina Destroys Your Front Yard

Those adorable-but-destructive wild pigs love landscaping. If they tear up your yard, is it covered?
Maybe. Damage to landscaping is often limited under homeowners policies and you may need added endorsements.

2. Your Neighbor’s Tree Falls on Your Roof During Monsoon Season
You’d think your neighbor would be responsible, right? Not so fast.
Most of the time, your policy pays for damage to your home, unless there’s proven negligence.

3. You Hit a Cactus While Parking
Cactus = car damage. (Yes, this happens more than you’d expect.)
Comprehensive auto insurance? ✅ Covered.
No comp coverage? You’re paying out of pocket.

4. Your AC Breaks in a Heat Wave
If it fails from wear-and-tear or age? Not covered.
If lightning or storm surge fries your unit? That’s likely a claim—depending on your deductible and policy.

5. Your Dog Bites a Guest at a Backyard BBQ
This one’s serious. Liability coverage on your home insurance can protect you, but only if you’ve disclosed the dog and haven’t excluded certain breeds.

🛡️ When In Doubt, Ask a Real Local Agent

These things don’t just happen in theory, they happen here.
We’ve seen it, insured it, and helped real Arizona homeowners recover from the unexpected.


If you’re unsure what’s actually covered in your policy, let’s walk through it together.