If you live in the Grand Canyon state, you’re used to the crazy weather, like extreme heat and cool nights. You probably already know that having the best home insurance in Arizona is key to surviving the state’s fluctuating weather.
But what exactly is the best home insurance in Arizona? What does an ideal policy for Arizonians look like? Read on, and we’ll reveal the kind of home insurance you need if you live in Arizona.
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Arizona’s climate is both arid and semiarid, which means desert-like conditions. However, due to the hot and dry weather, there are certain hazards the state is prone to that put your home at greater risk, so you’ll need the right coverage in place to protect your home.
These are the most common perils that Arizona experiences:
Given the wide range of perils that Arizona experiences, you want to ensure that your home insurance policy is up to the task of protecting your property. For instance, most standard home insurance policies cover all these perils, apart from flooding damage, which means you’re protecting your property just by having home insurance.
If you’re looking to buy a house in Arizona but need a mortgage, then you must have home insurance as part of your lending requirement. So you’ll likely need to purchase home insurance.
If you want to find the best homeowners insurance in Arizona now, check out ConsumerCoverage for all the details on your options, or to get access to free quotes.
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However, if you have an HO-1 policy, it only covers ten named perils, while HO-2 policies only cover 16 named perils. Therefore, HO-1 and HO-2 products are not ideal insurance policies for families as they offer a different level of protection than a comprehensive HO-5 policy.
You can customize your homeowner’s insurance policy to suit your needs. So what are your optional home insurance coverages if you’re worried about dust devils or flooding?
These are some optional coverages you can choose from:
Customizing your home insurance policy with optional add-on coverage can help you feel more in control of your home and your belongings, no matter what life throws at you.
The average home insurance cost in Arizona is $1,216 a year for $250,000 of home coverage. The national average for the same coverage amount is $1,383.
Of course, your actual rates will depend on a number of factors, so you could end up paying less or more. Keep in mind, there are always ways to save on home insurance, so don’t be discouraged if your first quote is higher than you expected.
Want access to free quotes on home insurance? Click here, and start saving.
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Who doesn’t love saving money on insurance? If you’re ready to shave some cash off your home insurance, here’s how.
Plus, you can save money just by shopping around. Getting multiple quotes from providers helps you ensure you’re getting the best rate possible.
Not everyone can afford or chooses to own their property; some people rent and that’s perfectly okay. Even renters require insurance to protect them from liability (medical expenses should someone get hurt on-site) and personal property claims (repair/replace your possessions).
The average cost of renters insurance in Arizona is $211 a year.
If you live in a condo and get an uninterrupted view of the turquoise Arizona skyline that the state is known for, you’ll still need insurance on your condo. The average cost of condo insurance in Arizona is $759 a year.
Condo insurance offers policyholders coverage on the dwelling (physical structure), personal property (your possessions), and personal liability (covers medical costs if someone gets hurt at your home).
Finding cheap home insurance in Arizona will take you no time. So long as you don’t buy HO-1 or HO-2 home insurance, your insurance policy is enough to protect your place from most of the Grand Canyon state’s known hazards (minus flooding).
The only way to boost your home insurance coverage to “total protection” is by adding flooding insurance. Flash flooding is a huge risk to many parts of Arizona, and standard policies don’t cover flooding, so you should add it to your policy if it’s an option. Otherwise, HO-3/HO-5 home insurance in Arizona offers you all the protection you need!
And if you’re ready to shop around for homeowners insurance quotes in Arizona, start now by getting access to free quotes here.
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Claire Smith Claire is a creative entrepreneur with a variety of marketing and content creation skills, including blog and web copy writing, research, and strategy. She has a Masters in Cultural Studies from Queen's University and is known for thinking laterally about marketing, based on her deep knowledge of people and behavior.
