It is essential to get homeowners insurance if you live in Arizona. This is due to the state's hazards and the possibility that a house fire or flood will occur. It is best to insure your home with the best insurance company in arizona.
Cost of Homeowners Insurance in Arizona
Arizona homeowners pay an average of $1,602 annually for home insurance. You can find affordable Arizona homeowners insurance by shopping around.
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. These include deadbolt locks, smoke alarms and burglar alarms.
For homeowners in areas prone of seismic activity, buying a separate insurance policy for earthquakes is essential. This type of coverage pays to repair or rebuild your home after an earthquake hits and will cover a separate deductible.
Most insurers offer earthquake insurance as an optional coverage. It is not included in your homeowners' policy. You can choose a deductible between 10% to 25% of your policy limit.
Arizona Homeowners Insurance Policy: Exclusions
Many different issues can affect your home and its contents. The average home insurance policy will cover most of the normal events, such as floods, earthquakes or sinkholes. It may also cover power outages and insect infestations.
Exclusions in a policy for home insurance are typically floods or sinkholes. They also include earthquakes and loss of electricity. It is essential to read through your policy carefully so you know exactly what is and is not covered.
Best Home Insurance Companies for Arizona Homes of Different Types
Country Financial is the best company to insure your home for an average Arizona homeowner. They offer a great rate and excellent customer service. Country Financial offers many discounts and options for coverages.
Choosing the Right Arizona Homeowners Insurance Provider
The average home in Arizona is worth more than $200,000. That means your property could be subject to damage from several kinds of hazards. To protect your belongings and home, you should buy a homeowners insurance policy that covers everything from theft and vandalism to fires and natural disasters.
Insurance rates for homeowners can be affected in many ways, such as by your credit score, value of the home, or roof quality. In addition, your insurer may calculate your rate based on the amount of deductible you choose.
Nationwide Insurance can provide a free homeowners' insurance quote if you call us at 1-877 on Your Side. Our experts can help determine your insurance needs and compare quotes between multiple top companies.
AM Best, or any other rating agency can help you find a company that offers Arizona home insurance with a good financial rating. These are trustworthy rating agencies who can help you determine financial strength and the history of customer service.