Affordable Arizona Homeowners Insurance

Posted in: Finance Insurance in prosperity's Blog

By Gary Brown

You buy a home in Arizona and now you need Arizona Homeowner Insurance.

Before you get a quote or buy a policy, here are a couple of tips.

1) Ask for a $1000 deductible.

A higher deductible saves you money, first of all. Secondly, most people are aware that you do not want to file small claims on your homeowner policy. Filing small claims is silly. In the event you have a large claim you will then have multiple claims on your record. Most Arizona Homeowner Insurance claims stay on your record for 5 years. Try shopping for low cost Arizona Homeowner Insurance with two or more claims in the past five years. It is very hard to do.

2) Consider items like Jewelry, Art, Collectibles, Guns.

Those items can be covered under a special listing on your policy. Jewelry, for example, has very limited coverage - usually $1500. That does not cover much. Make a list of the unusual items you own. For most of these items you will need to obtain an appraisal and supply this to your agent.

3) Do you have a sewer, basement or sump pump? If yes, buy the extra coverage for "water backup".

You may be surprised to learn that water that backs up into your home is typically not covered. That is different than a water pipe breaking and causing damage. Buy the extra coverage, if needed.

4) Liability Limits and Medical Coverage

If someone were hurt on your property they could sue you. I would not recommend anything less than $500,000 liability if you own a home. Medical coverage limits vary from company to company. Buy the max they offer. It is a fairly cheap coverage but nice to have.

If you live in Arizona, get a quote from the Low Cost leader in Affordable Arizona Homeowner Insurance - Arizona Homeowner Insurance

Gary Brown is principal owner of Choice Insurance of Arizona. He has been serving Arizona residents for Arizona Auto Insurance, Arizona Homeowner Insurance, Phoenix Life Insurance, and Arizona Long Term Care Insurance for nearly 14 years. Find his website at [http://www.choicearizona.com/]Arizona Auto Insurance and [http://choicearizona.com]Choice Insurance of Arizona

Article Source: http://EzineArticles.com/?expert=Gary_Brown http://EzineArticles.com/?Affordable-Arizona-Homeowners-Insurance&id=1276510