Property insurance in Arizona will replace both your home and belongings. It also includes liability insurance against injuries or property damage caused by family members or household pets. Property insurance will also cover temporary living expenses while you live away from home because of a natural disaster.

Property insurance in Arizona provides protection against fire, hail and lightning in addition to other natural disasters that are specified in the policy. However, you will need a separate policy for earthquakes and floods which are normally not covered by a standard home insurance policy. Homeowners insurance in Arizona rates will not cover losses caused by poor maintenance.

There are three key points that will affect the cost of property insurance in AZ:

1. The location of the property may require additional home insurance. Property insurance companies in Arizona may recommend extra insurance against fires.
2. Effective loss-control measures can control the premium for AZ property insurance coverage. This most commonly refers to an alarm system.
3. Home insurance should allow you to replace detached structures in addition to rebuilding your house. These structures are typically covered up to a fixed percentage of the value of the house.

Action Steps
The best contacts and resources to help you get it done

Collect quotes for a variety of Arizona homeowners insurance

Obtaining multiple quotes from different sources of Arizona property insurance coverage can be an effective method of identifying the general terms of these policies and the premiums you can expect to pay.

I recommend: Complete the form at Insure.com to get quotes for home insurance. Insurance.com finds quotes by zip code and represents the largest carriers of homeowners insurance.

Find brokers for property insurance in AZ who represent major carriers

Locate an AZ property insurance company through an agency. The agency represents a major carrier in the state and can make a recommendation based on the specific needs of your situation.

I recommend: Nationwide has agents throughout the country and has an agent search capability by name or location. Liberty Mutual has the capability to locate agents in your area and is part of the top 20 property and casualty insurance groups in the United States.

Get an Arizona home insurance policy from a local agent

Contact Arizona property insurance companies rather than dealing with different national insurers. Often, a local agent can write a more customized plan for you. This method allows you greater flexibility and control over your home insurance needs.

I recommend: Allied Insurance Group specializes in the Tucson metro area but provides insurance services throughout Arizona. Arizona Home Insurance is one of the largest property insurance companies in Arizona and it also sells home insurance in California, Colorado, Nevada, New Mexico and Utah through its Western Mutual Insurance Group affiliates.

Tips & Tactics

Helpful advice for making the most of this Guide

• •  Arizona property insurance will cover the contents of your house up to a specified percentage of the value of your home. You should conduct a home inventory to determine if replacement cost for the contents of your home exceeds this value. If you have a substantial amount of number of belongings outside of your home, you should consider off-premises coverage.