Arizona Home Insurance Quotes
When it comes to shopping for an Arizona home insurance policy, HomeInsurance.com simplifies the process. Our agents work with multiple highly-rated carriers to compare coverage and quotes for you. All you have to do is call us or fill in your information above to kick up your boots and wait for competitive Arizona home insurance quotes.
Why Arizona home insurance?
As the Grand Canyon state, it's no wonder that Arizona is full of contrasts. Significant variations in elevation throughout the state (mostly divided north to south) lead to different climates and disaster threats. Arizona, among the continental U.S. states, contains the metropolitan area with the most days over 100 degrees Fahrenheit (Phoenix) and the metro with the most days where the temperature is below freezing (Flagstaff).
Though the state experiences dry temperatures year round, two rainy seasons rapidly raise the amount of moisture in the air and create conditions perfect for thunderstorms, lightning, wind, and torrential downpours. While home insurance typically covers all of these events, it doesn't protect from the flash flooding that downpours can cause. If you live in a floodplain, consider purchasing a separate flood insurance policy. Earthquakes, which also typically are not covered by standard home insurance policies, also also occur occasionally in the state – though at relatively low strengths.
Home insurance rates in Arizona
Average Arizona home insurance rates in February were approximately $623.00 which have decreased since January when rates were around $632. Average rates in the area reflect premiums on new policies sold by HomeInsurance.com in Arizona. For a full list of premiums by state visit our RateReport.
Average Premiums for Home Insurance In Arizona
|Feb 2014||Jan 2014||Dec 2013||Nov 2013||Oct 2013|
Do these average premiums for the Grand Canyon State follow the national trend? The average premium for home insurance in the U.S. is $815 compared with Arizona's average premium of $623.
No matter how rates fluctuate, make yourself aware of common discount types and how you might apply for them. HomeInsurance.com can find price breaks for you if you enter your ZIP code above or call 1-877-919-5198. Common discounts include the following:
- Bundling: If you bundle your auto and Arizona home insurance through the same provider, you could save on your monthly premiums.
- Security: If you protect your home and family with security systems and deadbolt locks, you also could safeguard your wallet by earning a discount on your insurance premiums. That's because you're lowering the chance of a costly break-in.
- Fire: Even if you are accustomed to fiery desert heat, recovery isn't as easy as rising like a phoenix from the ashes of a house fire. The average claim for a fire is $33,000, so providers reward homeowners for being safe. You could earn discounts for installing smoke detectors or sprinklers in your home. If no one in your family smokes, you also could qualify for savings.
- New home: If your house was built within the last 10 years, you could earn a new home price break.
- Claims history: A claims-free history for the last 10 years could lower your monthly premium.
Your neighbors' Arizona home insurance premiums
One factor in the price of Arizona homeowners insurance is location. One county's average premium, therefore, can differ widely from another's. See how your county's rates stack up by comparing it to the state average below.
Remember that carriers use other factors besides location to determine home insurance rates. Some examples are individual situation, house type, and credit history. Find out how the rates of your fellow Arizona neighbors compare. The agents with HomeInsurance.com have listed below the last five Arizona policies they've written.
|Home 1||Home 2||Home 3||Home 4||Home 5|
|Premium with Auto Discount||$609†||$443†||$2,011†||$469†||$595†|
|Discounts|| || || || || |
|Primary Heat Source||Central Electric||Central Gas||Central Gas||Central Gas||Central Gas|
Standard coverage for Arizona homeowners insurance
Now that you know what weather to protect from and what to pay for that protection, familiarize yourself with what exactly that protection safeguards. The coverage types in a standard Arizona home insurance policy are:
- Dwelling and Other Structures: Any structures on your property, from your home (dwelling) to detached constructions such as toolsheds or detached garages (other structures) find protection with this coverage.
- Personal Property: Personal Property can help to repair or replace any damaged or stolen possessions in your home.
- Loss of Use: If a covered peril damages your house and forces you to move out while it undergoes repair, Loss of Use can help pay restaurant and hotel bills until while it is repaired or rebuilt.
- Medical Payments: If someone sustains an injury on your property and no lawsuit is involved, this coverage can help you pay hospital or doctor bills for that person.
- Personal Liability: If someone sustains an injury on your property and decides to take you to court, Personal Liability coverage can help pay for your defense and the final judgment.
Additional resources for homeowners
Home insurance 101: If you still feel uninformed about the home insurance basics, you can find more information here.
Disaster preparedness guide: Your family should prepare for every Arizona disaster. For tips, tricks, and disaster essentials, check out our guide to protecting your home.
Home insurance calculator: Determine how much dwelling coverage you need for your Arizona home insurance by using this resource.
Home insurance information by city
To find more specific information about home insurance in your part of Arizona, click your city below.
|Avondale||Bullhead City||Casa Grande||Chandler|