Phoenix Home Insurance: A Protected and Safe Home

Phoenix is a beacon of the Great American West and home to the 12th largest metropolitan area in the United States. Its population is expected to grow to nearly 7 million by 2025. In a city as populated and unique as Phoenix, there are specific needs each homeowner must address when shopping for Phoenix home insurance.

Phoenix Home Insurance and Wildfires

Arizona is in the midst of a decades-long drought, putting Phoenix homes at extreme risk for wildfires. Over 3,000 fires burn 270,000 acres of land in the state each year¹. Fortunately, Phoenix home insurance covers fire damage.

Here are a few steps Phoenix homeowners can take to protect their homes against wildfires:

• Replace roofing, decks and siding with fire-resistant materials
• Use non-combustible roofing products
• Enclose decks and patios with brick, stone, stucco or other fire-resistant materials
• Space trees a minimum of 10 feet apart
• Don’t connect wooden fences directly to your home

Phoenix Home Insurance Does Not Cover Flood Damage

Flooding is a major concern in Phoenix and across the state of Arizona. Unfortunately, most Phoenix homeowners don’t realize that Phoenix home insurance does not include flood insurance coverage. A separate flood insurance policy must be purchased for a home to be insured against flood damage.

PhoenixHome Insurance Protects Against Crime

Phoenix has one of the highest crime indexes in the country. A property crime occurs every 1 minute 54 seconds in the state of Arizona². And though Phoenix home insurance covers loss due to home robbery, homeowners should take the following steps to make their homes burglar-resistant:

• Install a home security system that alerts an outside service
• Make sure windows are secured; if possible, install key locks
• Install deadbolts or double-cylinder locks along with traditional doorknob locks
• Take a home inventory

Ways to Save on Phoenix Home Insurance

The average home insurance rate in Arizona is $53 per month³, but following a few of these money-saving tips could reduce that premium significantly:

• Adjust your deductible--increasing your deductible from $250 to $1,000 could reduce your premium by up to 25 percent⁴
• Save up to 15 percent on your Phoenix home insurance and auto insurance premiums by purchasing both products from a single insurer
• Look into Phoenix home insurance discounts for installing smoke detectors, security systems, deadbolt locks, storm shutters and fire-retardant roofing

Compare Phoenix Home Insurance Quotes

Without comparing Phoenix home insurance quotes from the hundreds of agents and providers who partner with InsWeb.com, you’ll never know how much you could save. Fill out one simple form and agents will provide you with no-obligation Phoenix home insurance quotes at your convenience. The whole process is free, and you could save hundreds of dollars a year!

¹ Arizona State Land Department