Homeowners Insurance by Arizona Home Insurance Company

When is the right time to buy Homeowners Insurance?

Any time you are buying a new home, refinancing your current home or just looking to save money, you should make sure you have the best available Homeowners Insurance rates and quality coverages. Compare your current Homeowners Insurance provider with an Arizona Home online quote today. Get an instant online quote by clicking one of the links below, or call our Sales Department at 1-800-696-7221.

Arizona Quotes | California Quotes* | Colorado Quotes* | Nevada Quotes*| New Mexico Quotes* | Utah Quotes*

*These quotes are offered through our affiliates in the Western Mutual Insurance Group.

What are the benefits of the Homeowners Plus Endorsement Policy?

·Guaranteed Replacement Cost - This coverage, subject to the conditions of the policy, guarantees to pay the full cost of replacing the dwelling and/or appurtenant structures if the property is destroyed or damaged beyond repair. (See your homeowners policy for specific details.)

·Replacement Cost on Contents - If any unscheduled personal property covered under the Replacement Cost endorsement is damaged, destroyed or stolen, the term "Replacement Cost" will be substituted for the term "Actual Cash Value" wherever it appears on the policy. "Replacement Cost" refers to the actual cost to replace the property at the time of the loss, with no deduction for depreciation. Some exclusions or limitations may apply.

What does the Homeowners Plus Endorsement Policy cover?

Includes coverage for damage from perils such as:

· fire and smoke
· tornado or windstorm
· hail and lightning
· falling objects, collapse and aircraft
· explosion
· water damage
· glass breakage and vandalism
· riot or civil commotion
· weight of ice or snow and freezing damage
· cost of debris removal after loss

In addition, this policy provides for Broad Theft Protection which covers the theft of clothing, furniture, appliances - any personal property of yours that is not part of the dwelling structure - if it is stolen from your home. It also covers theft of that same property away from your home. In both instances, there are some limitations on specific kinds of property such as jewelry, furs, silverware, etc. If you own such higher value items and wish to pay a nominal extra premium, they can be specifically insured and then the limitations do not apply.

This policy also includes personal liability coverage for your protection, on and off your premises, against bodily injury or property damage suffered by others such as guests, neighbors, or tradespeople.

*Arizona Home Insurance Company is a member of The Western Mutual Insurance Group