It is essential to get homeowners insurance if you live in Arizona. This is because of the state's hazard risks and the possibility of a home fire or flood happening. It is best to insure your home with the best insurance company in arizona.
Homeowners Insurance Cost - 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.
You can also save money by installing protective devices in your home to help reduce the number of claims you make and keep your premiums lower. They include smoke alarms, deadbolt locks and burglar alarms.
A separate earthquake policy is essential for those who live in areas that are prone seismic activity. This type covers the cost of repairing or rebuilding your house after an earthquake.
Earthquake Insurance is not included with homeowners policies, but it can be purchased separately. If you choose to purchase it, the deductible is between 10% and a quarter of the policy limit for your home.
Arizona Homeowners Insurance Policy exclusions
The contents of your home can be affected by a variety of different problems. 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. You should carefully read your policy to know what's covered and what's not.
Best Home Insurance Companies in Arizona for Different Types of Homes
Country Financial offers the lowest rates and best customer service for Arizona homeowners. There are also a number of coverages available and discounts that can be tailored to your specific needs.
Choosing the Right Arizona Homeowners Insurance Provider
The average Arizona home is worth over $200,000. Your property is therefore susceptible to damage by a variety of different hazards. A homeowners insurance policy will protect you and your home from everything, including vandalism, theft and fire.
A number of factors can influence the cost of homeowner's insurance, including credit scores, home value, and roof quality. In addition, your insurer may calculate your rate based on the amount of deductible you choose.
Call us today at 1-877 On-Your-Side to get a free quote on homeowners insurance. Our experts will help you determine your coverage requirements and compare quotes with multiple companies.
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 ratings agencies can be trusted to help you assess a company’s financial strength and its customer service history.