Arizona Home Owner Insurance Quote Tips

If you have a home in Arizona and are shopping for a home insurance quote you have plenty of choices. Here are some tips to help you get the best value.

Although Arizona has had some natural disasters, such as wildfires and floods, home insurance costs in the Grand Canyon State are pretty competitive. Keep in mind though that home insurance rates can vary quite a bit from company to company. The Arizona Department of Insurance provides some helpful information that's free to the public, including a premium comparison survey, but the best way to find out how you can save is to get several comparison quotes.

One of the easiest ways to do this is to go online to an insurance comparison Web site that allows you to enter your information once and will give you quotes for several different companies in Arizona. Or you can visit different company sites and enter the information each time. Just make sure to enter the same information about coverages and deductibles to get the most accurate comparison.

As in other states, the standard Arizona homeowners policy provides coverage for your home (dwelling), adjacent structures such as sheds, personal belongings, liability and living expenses if your home is uninhabitable. Many people in Arizona have swimming pools. Property damage to pools are covered under the adjacent structures protection, which is usually a percentage of the total dwelling coverage. However, swimming pools also increase your liability exposure, so you should consider raising your liability protection if you have a pool.

Floods do happen in some parts of Arizona -- especially during monsoon rains -- but flood insurance is not included in a standard home insurance policy. You can get separate flood insurance through the Federal government's National Flood Program.

Once you get your insurance, periodically review the coverages to make sure you don't need to update them because of home improvement projects or other changes.