Having homeowners insurance in Arizona protects your home and personal belongings against losses caused by a wide variety of perils. This includes fire, theft, and natural disasters. You are also covered for liability if your actions result in damage to property of another or injuries to third parties.
The cheapest homeowners insurance in Arizona is offered by USAA. USAA's average monthly rates are $134 for a $400K-house.
Comparing several Arizona homeowners insurance companies is a good idea before you choose one. Some offer better customer services, while others give you more flexibility when it comes to using your policy. Some offer discounts for installing security systems and other features.
Review your policy at least once a year.
Every year, you should review your homeowner's insurance to make sure that it is adequate for the risks you may face. Talk to your agent if you have made any changes to your landscaping or home, including renovations, new sheds, pools, or sprinklers.
Ask your agent about the deductible.
The higher the deductible you choose, the lower your premiums will be. If you have a $1,000 deductable and your kitchen is destroyed, for instance, you will be responsible for paying the contractors that repair the home, but the insurer pays the rest.
Also, you should consider buying replacement cost coverage. It will allow your items to be replaced at a price that is reasonable. This is especially true if the items you own are expensive, such as jewelry, electronics, or other valuables.
If you're considering a mortgage, it's likely your lender will require homeowners insurance. If you don't own a home, homeowners insurance will protect you in the event of a disaster.
You can get a quote from your local independent agent for the best homeowners insurance in Arizona. Learn about discounts that can lower your homeowners' insurance costs by comparing policies.
Shop around for the most appropriate coverage, especially if moving is on your agenda. If you're moving to a new area, there is a greater risk of damage from natural disasters and weather. It is wise to obtain a comprehensive quote on home insurance to protect your investment.
Assessing your rebuilding costs is a smart move. Arizona homes are often severely damaged by hailstorms, monsoon rains, and wildfires.
Whether you live in Phoenix, Tucson or Scottsdale, your local Mercury agent can help you understand the dangers of living in your community and protect your property. Your local Mercury agent is also able to provide a free house inspection, so you can be aware of the dangers that could affect your property.
Are you looking for a new home in Arizona?
If you're relocating to Arizona, make sure you have the right homeowners insurance. Proper coverage can help you save thousands over the course of your life.
Are you concerned about the cost of home insurance in AZ?