Homeowners Insurance in Glendale, AZ
Experts detail where to find the right coverage for you at a great price.
Arizona is one of the top five states for the cheapest home insurance in the nation, with premiums commonly coming in at well below $1,000 per year. Having a strong homeowners insurance policy can help you get the financial reimbursement you deserve after a disaster like a fire damages your property. Home insurance provides many other important coverages as well.
An independent insurance agent in Glendale can help you get equipped with the right homeowners insurance policy. They'll help you find the best blend of coverage and cost in a policy. But up first, here's a breakdown of homeowners insurance in Glendale, AZ.
What Is Homeowners Insurance?
Homeowners insurance can provide reimbursement after a covered disaster, such as a fire, break-in, lightning strike, etc., causes damage or destruction to your home or contents. It can also cover your legal costs if you get sued by a third party for bodily injury or property damage. Additional living expenses coverage, also provided by home insurance, can pay for extra costs if you have to stay somewhere else while your home gets repaired.
What Does Homeowners Insurance Cover in Glendale, AZ?
Homeowners insurance is pretty standard across the board. The major coverages provided in homeowners insurance are:
- Dwelling coverage: Provides reimbursement after damage or destruction to your home's structure from a covered peril like a fire.
- Contents coverage: Provides reimbursement for your personal property like furniture after a covered disaster like if a fire damages or destroys it, or if your property gets stolen.
- Additional living expenses: Provides reimbursement for unexpected costs like takeout meals, hotel stays, gas, and more if you must stay somewhere else while your home gets repaired.
- Liability coverage: Provides reimbursement for your legal fees if a third party sues you for bodily injury or personal property damage, even if you're not found liable.
Your independent insurance agent in Glendale also knows exactly which coverages should be found in a solid homeowners insurance policy.
What's Not Covered by Homeowners Insurance in Glendale, AZ?
A homeowners insurance policy can only cover so much. Standard exclusions in homeowners insurance are:
- Intentional or dishonest acts
- Pest or insect damage
- Maintenance fees
- War or nuclear damage
- Flood or earthquake damage
Consider adding separate flood insurance and earthquake insurance policies to protect your home against natural flood damage or earthquake damage. Your Glendale independent insurance agent can help you.
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How Much Does Homeowners Insurance Cost in Glendale, AZ?
Arizona currently ranks as the fifth-cheapest state for homeowners insurance rates, at an average of just $825 per year. Compared to the national average of $1,211 annually, residents in Glendale can save quite a bit on their coverage. This makes it even easier for your independent insurance agent in Glendale to help you find affordable coverage near you.
The Most Common Home Disasters in Glendale, AZ
Though no area is without disasters, there are certain kinds each place is most prone to. In Arizona, the most common home disasters are:
- Wildfires and residential fires
- Flooding and water damage
- Severe storms and lightning damage
- Burglary and other property crimes
- Hurricanes and tropical storms
Your home insurance can help protect you against fire damage, as well as lightning strikes, burglaries, and more. However, you'll need to add a flood insurance policy to get the reimbursement you need after a natural flooding event.
How to Find Cheap Homeowners Insurance Near Me
Don't be too tempted by the cheapest homeowners insurance near you. Cheap homeowners insurance can indicate lower coverage limits, which means you might not get all the reimbursement you need after a disaster. Lower premium rates can also indicate a higher deductible, meaning you'd have to pay more out of your own pocket before getting any reimbursement for a claim.
What Are the Best Homeowners Insurance Companies in Glendale, AZ?
You'll also want to make sure that your homeowners insurance comes from a trusted, reliable carrier. We've gone ahead and compiled a list of just a few of our top picks for quality homeowners insurance companies in Glendale, AZ for you.
|Top Homeowners Insurance Companies in Glendale, AZ||Star Rating|
Why Work with an Independent Insurance Agent in Glendale, AZ?
There's no such thing as a one-size-fits-all homeowners insurance policy. With a wide variety of products and options at your disposal, you can put together a solid home insurance package that's custom-built for you and your family.
Independent insurance agents can help you choose the right policies and options to meet your specific coverage needs. Because they're independent, these agents can work with several of the best homeowners insurance companies in Arizona to find you the right coverage at a great price.
TrustedChoice.com Article | Reviewed by Paul Martin
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