Fire Insurance Quotes

 

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Arizona Fire Insurance Quotes

Compare fire insurance quotes in Arizona in just a matter of minutes by completing our secure online form to save hundreds of dollars. We work with the best home insurance companies in Arizona to provide a simple one stop shop for insurance quotes. Use our service to get multiple quotes from leading companies and compare rates today.

When shopping for home fire insurance it makes sense to understand what you need and what is optional. If you have a mortgage on your home it is likely the lender will require some form of protection for that asset. This protection is in the form of fire insurance otherwise called homeowners insurance.

When is the best time to shop for fire insurance?

The obvious answer is not when your house is on fire! Sorry but I couldn't give up the chance to make a joke. In all seriousness fire insurance is something that can change each year and as companies compete for your business it is likely you will find a much lower rate elsewhere. The best thing you can do is compare rates each year to determine if it makes sense to switch companies. Always try to compare similar coverage if possible and give the competition the ability to offer as many discounts as possible.

What I mean by allowing them to offer you discounts is that many fire home insurance quotes are designed to get you in the door with discounts. Some companies offer a new customer discount while others may give you multiple policy discounts. The more you seem interested in their quote the harder they will work to find all possible discounts you deserve.

Apple to Apple Insurance Quote Comparison

It is a common request that insurance agents will be asked to quote the same coverage as another company. This is a good idea if everything were equal between companies but a lot can alter how one company may determine the best coverage for you. Keep in mind that each insurance carrier may determine things like how much it costs to rebuild your home differently. This could make one quote show a dwelling fire insurance coverage of $200k versus the other may show $220k.

One bit of advice is try to understand why an Arizona fire insurance quote is different and have the agent explain what the advantage with being insured through his carrier is. Each company provides insurance but they are separated by claims service or how professional the agent handles your concerns. Never rely on an exact coverage to coverage comparison quote, always ask questions and pick the best policy for your family.

What Deductible Should I Choose?

Fire insurance quotes can vary widely between companies and a lot may have to do with which deductible the agent choose. Remember that homeowners insurance is not designed for the small claims like something under $1000 so it is common to have a deductible at least $1000 or more. The higher the deductible the lower the premium will be but try to get a deductible you can afford if something does happen.

Stay away from percentage deductibles unless you can afford a very high deductible. A percentage deductible in Arizona may be something like 1% or 2% of the dwelling coverage. This means that a home with $400,000 in dwelling coverage with a 1% deductible would have the homeowner coming up with $4000 before any work is done to fix the home. With a high deductible like that many homeowners may not be able to afford a major loss.

 

A special thanks to all the firefighters who battle in the heat of Arizona keeping our houses safe from wild fires. On June 30th, 2013 19 firefighters were killed in a wild fire in Yarnell, AZ.

Yarnell Arizona Wild Fire

 

Home Fire Insurance Cities in AZ

  • Tucson
  • Phoenix
  • Mesa
  • Chandler
  • Glendale

 

What causes more insurance claims each year in Arizona, dust storms or kitchen fires?

  • Kitchen fires are a leading cause of large insurance claims for homeowners in AZ.

 

 

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