Arizona Home Insurance
People living in different parts of the country have different homeowner insurance needs. Your own requirements will depend on whether your area is prone to earthquakes, flooding, hurricanes and tornadoes. If you live in Arizona, you will want to consider flood or earthquake coverage, as well as damage from mold. Arizona ranks among the top five states for mold claims, but mold damage is often excluded in new homeowners policies.
Additional concerns that Arizona residents may want home insurance coverage for include:
- Arizona has a high crime index, so be aware that theft is a reality.
- Windstorms happen yearly in Arizona during the “monsoon season.” High winds, hail and rain can cause significant damage.
- Home fires are very likely as well, with wildfires and arson on the rise. In fact, Arizona authorities are predicting the worst fire season ever this summer.
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Arizona home insurance does not include flood insurance or earthquake insurance coverage. If you want this protection, you will need to purchase flood insurance and/or earthquake insurance separate from your Arizona home insurance. Depending on where you live in Arizona, you may also need to purchase separate or additional coverage for high wind damage.
With the likelihood of any of these hazards happening, it only makes sense to have adequate home insurance coverage to protect your home and possessions. Good news for Arizona residents – the National Association of Insurance Commissioners reports that Arizonans pay eight percent less than the national average for their home insurance coverage. Further, it costs 19.42% less in Arizona than in nearby Colorado, and 18.46% less than in California.
Insurance experts recommend that you keep a thorough record of your personal belongings and the value of each item. This is helpful when determining the level of coverage you will need and provides a record of your possessions should anything be destroyed and need to be replaced.
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Home Insurance Basics is not an insurer and cannot issue home insurance policies. This site provides free information about home insurance policies and companies. The companies detailed have not endorsed or sponsored these pages. Products and services may not be available in all states.
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