Frequently Asked Questions about Arizona Home Insurance Quotes
Here are the answers to the most commonly asked questions about Arizona home insurance quotes.
What companies provide quotes on this site?
The companies that provide Arizona home insurance quotes on this site include:
- Allstate
- American Family
- Farmer's
- State Farm
- Nationwide
- Any many more
What does home insurance cost on average in Arizona?
The Insurance Information Institute reported that the average annual premium for an Arizona homeowner was $635 in 2005. This premium makes Arizona one of the cheapest states for home insurance in the U.S.
What events cause home insurance claims most often?
The #1 cause of home insurance losses across the country in 2006 was fire, lightning, and debris removal. These events accounted for 34.7% of all losses. Wind and hail damage were number two, accounting for 28.26% of all damages. Water damage and freezing accounted for 20.3% of all losses.
Are Arizona home insurance quotes free on this site?
Yes, our AZ home insurance quotes come free of charge. We also do not put you under any commitment to purchase a policy from one of our insurers if you receive quotes. You are free to choose whichever insurer you like. We are not an insurer, and we have no stake in which home insurance company you choose.
What if my assets are worth more than my home insurance liability coverage?
If your assets exceed the maximum amount of your home insurance liability coverage, you are in a potentially very dangerous situation. If you are ever sued, you could lose the value of your assets that is not properly insured. To combat this, you can get Arizona home insurance quotes on a higher-value policy or you can purchase an umbrella liability policy for extra protection.
Do I choose a policy that is the same amount as what I paid for my home?
No, you do not do this for several reasons. For one, if it's been a while, your home might be worth more than what you paid for it. On the other hand, if you just bought your home, the sale price included the value of the land on which your home sits, and you don't have to insure the land, just the house. Ideally, you should have your home appraised before getting Arizona home insurance quotes.
