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Arizona Home Insurance

Living in a state as beautiful as Arizona makes you want to spend all your time outdoors, not inside shopping for homeowners insurance. That’s why Insurance-Rates-Online.comInsurance-Rates-Online helps you find the right Arizona homeowners insurance coverage. will make it easy for you – we’ll teach you what you need to know, then help you find the top companies offering coverage in your area. Simply compare the free quotes and coverage, and you’ll be able to choose the Arizona home insurance policy that’s right for you.

Things to Know About Arizona
Homeowners Insurance

Arizona does not require home owners to purchase insurance coverage. Still, if you have a mortgage, your lender will make sure that a home insurance policy has been purchased to ensure their investment is protected.

How Much Home Insurance Do You Need?

Insurance companies have formulas to determine the value of your dwelling, but it’s up to you to make sure that their projection is accurate. The amount is based on what it will cost to rebuild your home and does not include the value of the land.

You can choose from three types of replacement coverage:

  1. Actual Cash Value – Provides replacement cost less depreciation of the property (age of roof, furnace, etc.). That makes it your responsibility to make up the difference.
  2. Replacement Cost – Pays replacement cost of the home, up to the limit of the policy.
  3. Guaranteed Replacement Cost – Complete replacement of your property even if it exceeds the limits of your policy. This is the most expensive coverage, but it ensures you’ll have all the coverage you need in case of a disaster.

To make sure that your coverage remains sufficient, it’s important that you:

  • Maintain an idea of the cost to rebuild your home by talking occasionally to local builders
  • Keep excellent records of any improvements or additions to your property, and notify your insurance company upon completion.
  • Follow changes in local building codes, since rebuilds will have to meet new codes.
    Review your homeowners insurance annually, to make sure you have the protection you need.

Personal Property Protection

As part of a Arizona homeowners insurance policy your personal property is covered against things like theft and damage. Again, the insurance company will have a formula to compute what that amount should be. Sometimes, however, this is not enough.

To ensure you have enough coverage, make a household inventory that includes the prices of the items in your home. While it’s easy to spot things like televisions, computers, and furniture, don’t forget the small items – everything from dish towels to umbrellas. This will help you determine whether the amount calculated by the insurance company is enough.

If you own expensive items like jewelry, cameras, or computers, ask about the coverage limits on each. You may need to purchase an extra rider to make sure those are fully protected as well.

More Information on Arizona Insurance

If you have specific questions about insurance in Arizona, contact the Arizona Department of Insurance, 2910 N 44th St, Suite 210, Phoenix, AZ 85018-7269. You may also call them at 800-325-2548 or visit their website at 

Buying an Arizona Home Insurance Policy

Now that you know the things to look for when shopping for insurance, it’s time to start getting quotes and comparing coverage and quotes. That part is easy too. Simply enter your zip code in the box below, and you’ll instantly be matched with top insurance companies offering coverage in your area. Whether you live in Phoenix, Prescott, or Tombstone, this is the fastest way to shop for insurance. What are you waiting for? Enter your zip code and start saving now!


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