Peoria, AZ Homeowners Insurance

How to connect with a local independent agent

Written by Candace Jenkins
Written by Candace Jenkins

Candace Jenkins is a licensed insurance advisor with over a decade of experience. She is also a writer and loves to write on all things insurance. Candace writes for on a continuous basis and is here with the facts about all your insurance inquiries.

Reviewer: Jeffrey Green Reviewed by Jeffrey Green
Reviewer: Jeffrey Green
Reviewed by Jeffrey Green

Jeff Green has held a variety of sales and management roles at life insurance companies, Wall street firms, and distribution organizations over his 40-year career.  He was previously Finra 7,24,66 registered and held life insurance licenses in multiple states. He is a graduate of Stony Brook University.

Peoria Arizona Homeowners Insurance

Peoria, AZ, has 168,181 residents, and some of them own property. To get homeowners insurance in this large town, you'll want someone knowledgeable in your corner. Your home policy will have coverage for many different occurrences.

An independent insurance agent can review your policies for free and make suggestions that benefit you. They have access to several carriers, giving you options. Connect with a local expert to get started today.

Burglaries in Peoria, AZ, and Your Homeowners Insurance

In every city, there is local crime. The number of incidents will impact your insurance costs. Break-ins that occur in Peoria, AZ, will be taken into account when rating your policies. Take a look at the burglaries per 100,000 households below:

  • National average: 376.00
  • Arizona average: 439.70
  • Peoria average: 305.00

Your homeowners policy should have coverage for burglary if you chose the right limits. Typically, it will help replace or repair personal belongings, your dwelling, and even pay for temporary housing. If you're unsure whether you have coverage for theft, consult with a professional.

How to Insure Your Airbnb in Peoria, AZ

When you own a rental property, there are certain coverages you'll need to obtain for adequate protection. A short-term rental, like an Airbnb, will have even more insurance requirements. You won't want to rely on a standard homeowners policy for coverage.

Instead, consider landlord insurance that specifically allows short-term rentals. Revolving tenants and your interests as the owner need to be covered to avoid financial destruction. Not all carriers are the same, and it's important to have a resource that helps you navigate coverages.

How Natural Disasters Are Covered Under Your Peoria, AZ Home Policy

Natural disasters are a way of life, no matter where you live. In Peoria, AZ, you'll want homeowners coverage for all the common occurrences. Take a peek at the top exposures in Peoria, AZ:

  1. Wildfires and residential fires
  2. Flooding and water damage
  3. Severe storms and lightning
  4. Burglary and other property crimes
  5. Hurricanes and tropical storms

Peoria's weather-related statistics:

  • The number of natural disasters in Peoria: 15
  • Major presidentially declared disasters in Peoria: 11
  • Emergencies declared in Peoria: 1

Let's look at the top three causes in Peoria:

  • Floods: 10 
  • Storms: 9 
  • Fires: 3 

Here's why you need flood insurance

According to FEMA, most flood insurance losses start at $25,000 to repair or replace. While your home policy protects against a lot, it still won't have insurance for flood damage. For that, you'll need a separate flood policy.


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Home Insurance Costs in Peoria, AZ

Homeowners insurance is different for every person. That's because carriers use personal data as well as outside factors to rate your policies. Take a look at the items insurance companies use to determine your premiums:

  • Where you live
  • How many claims you've filed
  • How new your house is
  • How close you are to a fire department
  • How close you are to a fire hydrant
  • The materials of your home
  • Your credit score
  • If you have a pool, trampoline, or pet
  • The square footage of your home
  • How much it would cost to replace your home

The average home insurance premium:

  • National average: $1,211
  • Arizona average: $825

Risk factors you can improve:

  • Improving your credit score
  • Filing fewer insurance claims
  • Updating your roof, electrical, plumbing, or heating

There is a way you can get instant savings, and that's by bundling. When you bundle your home and auto insurance with the same carrier, you will qualify for a deep discount. Upwards of 30% is usually awarded to each policyholder.

Liability Coverage Options in Peoria, AZ

Your home's liability limits should be tailored to the number of assets you own and worst-case scenarios. It only takes one claim with the wrong coverage to put you into financial ruin. Liability insurance will pay for bodily injury and property damage. Take a peek at the most common ways to obtain liability protection:

Homeowners insurance will have a limit of liability, but sometimes that's not enough. For a more substantial loss, consider umbrella insurance. It will pay for a claim when your underlying limits have been exhausted. 

Connect with an Independent Agent in Peoria, AZ

Arizona had 757,869,000 home insurance claims reported in 2019 alone. The right protection is necessary to avoid financial loss or worse. If you want adequate coverage, you don't need to know everything. You just need someone you can trust. 

An independent insurance agent can help find a policy for an affordable price. They work on your behalf at zero cost so you can save money and time. Connect with a Peoria expert on TrustedChoice and get quotes today.

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