Wildfires in Arizona
The Grand Canyon State has nearly 160,000 households that are at high or extreme risk from wildfires, according to data from the 2010 U.S. Census. Showing no signs of slowing down, Arizona saw 1,662 wildfires in 2015 alone, burning more than 160,000 acres.
Luckily, your homeowners policy will cover wildfire damage to your home and belongings, up to the coverage limits you choose. Be sure to purchase enough dwelling protection and personal property insurance to fully cover the replacement cost of your property.
Extreme desert heat
We know Arizona's no stranger to extreme temperatures. Not only does hot weather present a health hazard, but it can also cause stress and damage to your home's roof and appliances. While extensive sun and heat exposure wear down the materials on your roof faster than more temperate areas of the U.S., they also cause your air conditioner to work harder and potentially wear out quicker.
Homeowners insurance provides financial protection for both your roof and the appliances under it. Speak with your agent to ensure adequate coverage limits are in place, so you're not stuck footing portions of the repair bills.
AZ's low insurance premiums
As of 2013, Arizonans paid an average homeowners insurance premium of $724 per year, which was significantly lower than the national average of $1,096, according to the Insurance Information Institute. This is due to a number of factors, including the fact that Arizona isn't at risk for many major storms (with the exception of the occasional monsoon, of course).
For more information on all things Arizona homeowners insurance, take a peek at this handy guide from your state's department of insurance.