Where your home is located generally affects your Homeowners Insurance cost. Your zip code, city, and state can have different risk rates for weather damage, like wildfires or floods, or higher claims history due to crime, affecting your coverage final price. In the end, the whole point of having insurance is keeping your home protected, right?

Every home has its story. If you live in a charming, historic one, or a modern brand new house, it may affect your Homeowners Insurance price. Older homes typically require more maintenance and repairs, meaning your Homeowners Insurance coverage may reflect that to give you the protection it needs.

The construction type directly influences the price of your Homeowners Insurance, as materials and methods used in construction impact the home's vulnerability to various perils, affecting the risk profile and therefore the premium cost.

How you choose your deductible has all to do with finding your balance. If you go for a higher deductible, you can have some lower premium rates. But, keep in mind that this also means you'll have to cover more out-of-pocket expenses if you have to file a claim. You can always read more about it in Homeowners Insurance Explained or contact an agent who’ll be ready to help you!

A clean record signals responsible stewardship, typically resulting in lower insurance premiums. Conversely, a history of frequent claims may imply a higher risk profile, potentially leading to increased insurance expenses in Arizona's diverse landscape.