Getting an Arizona homeowners insurance quote is easy because there are simply so many companies doing business in the state. The more challenging aspect is comparing them, because every company does things a little differently, so you need to review the coverage carefully. One of the best ways to accurately compare prices is to get an Arizona homeowners insurance quote from an online quote tool such as our at the top of the page, because each company gets the exact same information about you.
When you request a quote, whether by Internet, phone or in person, the most important thing to remember is to be truthful. Lying or withholding the truth will only lead to problems and inevitable cancellation of your policy.
It will provide you with several quotes from Arizona homeowners insurance companies usually within as little as twenty-four hours and depending on your zip code then sometime instantly. The abundance of companies in the Arizona homeowners insurance field means you get competitive quotes and good service. It’s a win-win situation for the consumer. Use our free tool at the top of the page to get a free Arizona homeowners insurance quote comparison now!
Use Discounts To Lower Your Arizona Homeowners Insurance Rate Quotes
Ask about the types of discounts the insurer has available. Most every homeowners insurance company in AZ will have a variety of discounts available to those who qualify, but they may or may not be automatically offered.
Discounts may be obtained for any of the following reasons:
- Deadbolts on doors and secure locks on all windows
- Having more than one line of insurance with the same company
- Installing smoke detectors on each floor of the house
- A fire extinguisher on the premises
- Having a newer home or one that has been recently renovated
- Homeowners being senior citizens
- All residents being non-smokers
- Security system protection through a monitoring company
- Sprinkler systems installed in the home
- One of the homeowners being a member of certain professional or business groups
Understand how Arizona homeowners insurance works and how much of it you need to carry to ensure the best quote. Ideally you need enough coverage on your house to replace it should it be totally destroyed. However, this does not mean the price you paid for it, assuming you bought it recently. The price of the land would have been included in the purchase price and it needs to be factored out for insurance purposes.
Your typical policy will also give you fifty percent of the home value in insured content coverage. It is a good idea to inventory your home and make sure that amount of coverage is sufficient. If you have expensive jewelry, cameras, computers or art, you may to purchase additional insurance riders to cover those items adequately. Consider how much liability coverage you should really carry, often it is beneficial to carry more than the standard minimums.
The Importance Of Understanding How Insurance Rates Are Determined And Their Effect On Your Arizona Homeowners Insurance Quote
Understanding how Arizona home insurance rates are determined will also be helpful to you, especially if you are in the market for a new home. Insurance rates are the basis for the premiums insurance companies charge you for your policy. Water is a very important factor, especially in a desert state like Arizona. For that reason:
- The distance your home is from a fire station and fire hydrants will impact the rate you get.
- Homes built of masonry, like brick, will have lower rates than those built of wood.
Also, living in areas, specifically urban areas, with higher crime rates will lead to higher insurance rates. These are controllable factors if you are looking to purchase a home, but if you already own your home, there is little you can do about them.
Shopping around for the best price is key to getting the best quote you can on your home insurance. Since rates are set but each individual insurance company, there can be a huge variation in prices you are offered. Because of individual differences in homes, lifestyle habits and the importance homeowners put on safety devices, the company that offers the best price to another friend or family member in the Copper State, may not be the company that offers you the best price.
Compare Arizona Home Insurance Quotes Now!
Insurance premiums are definitely not a one-price-fits-all kind of product. The number of variables to take into account make homeowners insurance something that needs to be tailored to each individual homeowner’s situation and priced accordingly.
To get a great set of competitive Arizona homeowners insurance quotes, click the quote tool on this page and answer the questions that will help tailor a policy that fits you.
Get started comparing Arizona home insurance quotes now!