If you are a homeowner in Arizona, it is important to have homeowners insurance. This is due to the state's hazards and the possibility that a house fire or flood will occur. To protect your investment, you should get a home policy with one of the top insurance companies in Arizona.
Cost of Homeowners Insurance in Arizona
Arizona has an average annual cost of $1602 for homeowners insurance. There are many different insurers, and the cost will vary. If you shop around for homeowners insurance in Arizona, it can be affordable.
Installing protective devices at home can help you save money and reduce your insurance premiums by reducing the number of claims. These include deadbolt locks, smoke alarms and burglar alarms.
If you live in a seismically active area, it is vital that you purchase an earthquake insurance policy. This type of coverage pays to repair or rebuild your home after an earthquake hits and will cover a separate deductible.
Earthquake insurance isn't included with most homeowners policies. However, many insurers do offer it as an option. Your deductible ranges between 10% and 25 percent of your dwelling's insurance limit if you buy it.
Arizona Homeowners Insurance Policy: Exclusions
There are many different types of issues that can impact your home and the contents in it. Home insurance policies cover many normal events like fires and sinkholes. They also cover earthquakes, power failures, flooding, insect infestations, nuclear hazards, and other natural disasters.
The usual exclusions from a home insurance policy in AZ are floods, sinkholes, earthquakes, loss of power, insect and vermin infestations, nuclear hazard, war and wear and tear. Please read your policy carefully to understand exactly what it covers.
Best Home Insurance Companies in Arizona for Different Types of Homes
The best home insurance company for the average Arizona homeowner is Country Financial, which offers a low rate and high-quality customer service. There are also a number of coverages available and discounts that can be tailored to your specific needs.
Arizona Homeowners Insurance: Choose the Best Provider
The average Arizona home is worth over $200,000. It is possible that you could have damage to your home from a number of sources. You should purchase a homeowners' insurance policy to protect your home and belongings from all kinds of hazards, including theft, vandalism and fires.
Your credit score, your roof's quality, and the value of your house can all influence your homeowners insurance rate. Your insurer may also calculate your rate according to the amount of deductible that you select.
Call us today at 1-877 On-Your-Side to get a free quote on homeowners insurance. Our experts are available to help you compare multiple quotes and determine the coverage that is right for you.
AM Best or another rating agency is a great place to look if you want an Arizona home insurer with a solid financial rating. These are reputable rating agencies that will help you to determine the financial strength of a business and their customer service records.