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Homeowners Insurance Arizona

The coverage that protects your needs. 

When it comes to safeguarding your cherished home in Arizona, Homeowners Insurance is your trusted ally. At PSIC we know about the unique risks and challenges living in the Grand Canyon State can have, that’s why our Homeowners Insurance coverage is ready to protect you against unforeseen events.

 

Whether your home stands for potential wildfires, cold temperatures, or water damage, at PSIC we’ve got your back. Even though it isn’t legally required to have one, it’s highly recommended to get your home, your loved ones and yourself protected. That’s how you’ll be safeguarding your finances and protecting your investment. Additionally, some mortgage lenders may require Homeowners Insurance as a condition of your loan.

Homeowners Insurance Coverages in Arizona

Explore the fundamental layers of protection provided by Homeowners Insurance in Arizona.

Dwelling

Protects the main structure of your home. We’re here to provide financial assistance in the event of a covered loss or damage that needs repair or rebuilding.

Additional structures

Get your storeroom, workspace, garage, or other detached structure safe and secure.

Personal property

Safeguards your valuable possessions including furniture, electronics, and clothing in the event of a covered loss.

Loss of use

Protects you in case your house is damaged and you need to move to a different place while it’s being repaired.

Personal liability

Covers legal expenses when found responsible for causing bodily injury or property damage to others.

Medical payment

Covers the medical expenses in the event someone gets hurt and you’re responsible for it.

Customize it according to your needs

Level up your policy with these optional coverages!

Animal liability

Protect others in case your pet harms someone or damages their home and you are held responsible for the expenses.

Equipment breakdown

Avoid financial impact due to damage or malfunction of home systems and appliances such as broken fridges, televisions, or HVAC systems.

Personal cyber protection

Safeguard yourself from digital risks, such as cyber-attacks, online fraud, data breaches, and cyber extortion. Avoid financial burdens when needing to recover data or lost money due to cyber crimes.

Mortgagee clause

Many lenders out there in Arizona may require this endorsement to safeguard their investment in case your home needs repairs or rebuilding. It’s a smart move that in the end, benefits you both.

Common Risks

Here in the great state of Arizona, where many natural environments coexist, we reckon it’s important to be prepared for the unexpected. At PSIC, we’re committed to ensuring that you’re well-protected from the common risks that you, Arizona residents, may face such as wildfires, water damage, and floods. These events can strike without warning, or cause damage to your property.

While our standard Homeowners Insurance policy protects you against fire damage, we have specific coverages to protect you against water damage and flood.

How Much is Homeowners Insurance in Arizona?

Understanding factors that will affect your Homeowners Insurance cost, alongside with choosing ideal add-ons, will help you have more comprehensive coverage. 

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.

Save Money on Insurance

Having the best Homeowners Insurance in Arizona doesn’t mean it has to be expensive. Find out which options you can choose to make it more affordable while keeping it safe.

Senior citizen discount

Embrace the retired lifestyle and enjoy lower premiums by living in a retirement community.

Gated community discount

Enjoy a special price if you reside in a permanently locked gated community with on-site security personnel.

Security system discount

Keep your home safe and enjoy a special price by protecting it with a burglar alarm, sprinkler system, fire alarm, or central system.

Claims-free discount

Celebrate your zero-claims stellar record with a well-deserved discount on your premium!

Roofing discount

If you upgrade your roof to a hail-resistant one, choose one with stylish tiles, or if you want to go even safer and get a brand new one, we’ve got some sweet savings for you.

It’s All About Insurance!

Learn about insurance coverage, safety tips, money-saving options, do’s & don’ts, news, and much more in the resources section.

Safety Tips for Dog Owners

Pets become cherished members of our family, but it’s crucial to recognize that they have unique needs and can behave unpredictably at times. Therefore, it’s important to take proper precautions to protect them and also ensure the safety of those around them. Let’s go over some tips to make this happen.

Blog

10 Sep 2024
5 min read

Blog

Advantages of Living in a Gated Community

From enhanced safety and privacy to a strong sense of belonging, living in a gated community offers a wider range of benefits than traditional neighborhoods do. Discover the numerous advantages that come with this lifestyle, we’ll address common questions and provide insights into the advantages of this experience.

Blog

10 Sep 2024
4 min read

Blog

Which Dwelling Fire Policy to Choose?

There isn’t a right or wrong choice of coverage, all it has to do is fit your needs. DP1 Insurance provides basic protection of your property from a detailed list of perils, DP3 Insurance offers a broader scope of coverage, except for a few perils, also mentioned in your policy.

FAQ

FAQ

What is DP3 Insurance?

DP3 Insurance, also known as Special Dwelling Insurance or Open Peril Insurance, is a protective buffer for your rented, primary owner occupied or seasonal property. It’s specifically designed to keep your home and assets safe with an open peril policy, covering a wide scope of potential risks, with a few exceptions.

FAQ

FAQ

Get Fully Protected

Check out more coverage options available in Arizona!

Privacy Notice at Collection for CA employees

Last updated: June 27, 2023

  1. About this Notice. This privacy notice sets out how The McGraw Group of Affiliated Companies collects and uses personal information about you in compliance with our obligations under the California Consumer Privacy Act of 2018 (CCPA), as amended by the California Privacy Rights Act of 2020 (CPRA). This Notice supplements all other privacy policies we have in place.

We take the privacy of our employees and applicants very seriously. Please read this notice carefully as it contains important information on the personal information that we collect, why we collect it, how long we keep it, and that it is not sold to third parties.

  1. Key Terms. The following key terms are used in this notice:
  • We, us, our. The McGraw Group of Affiliated Companies.
  • Personal information. Any information that identifies, relates to, describes, is reasonably capable of being associated with, or could reasonably be linked with a particular individual.
  • Sensitive personal information. Personal information revealing an individual’s social security number, driver’s license and passport numbers, account numbers and credentials, precise geolocation, racial or ethnic origin, religious beliefs, or union membership, personal information concerning a consumer’s health, sex life, or sexual orientation, contents of a consumer’s mail, email and text messages where the business is not the intended recipient, genetic data, and biometric information.
  • Biometric Information. An individual’s physiological, biological, or behavioral characteristics, including information pertaining to an individual’s deoxyribonucleic acid (DNA), that is used or is intended to be used singly or in combination with each other or with other identifying data, to establish individual identity. Biometric information includes, but is not limited to, imagery of the iris, retina, fingerprint, face, hand, palm, vein patterns, and voice recordings, from which an identifier template, such as a faceprint, a minutiae template, or a voiceprint, can be extracted, and keystroke patterns or rhythms, gait patterns or rhythms, and sleep, health, or exercise data that contain identifying information.

Other terms used but not defined will have the meaning set forth in the CCPA, as amended by the CPRA, Cal. Civ. Code §§ 1798.100—1798.199.100, and accompanying regulations set forth under Cal. Code Regs. tit. 11, § 7000 et seq.

  1. Personal Information We Collect About You. We may collect and use the following categories of personal information about you:

Categories of Personal Information Collected

  • Identifiers: Name, alias, postal address, email address, phone number, account name, social security number, driver’s license number, passport number, or other similar identifiers.
  • Employment-related information such as your job title, salary, benefits information, emergency contact information, references, qualifications, skills and experience.
  • Personal information as defined in Customer Records law: Name, signature, social security number, physical characteristics or description, address, telephone number, passport number, driver’s license or state identification card number, education, professional license number employment history, bank account number, other financial information, medical information, and/or health insurance information.
  • Characteristics of protected classifications under California or federal law such as race, age, sex, familial status, and disability.
  • Audio, electronic, visual, or similar information such as photographs and call recordings
  • Background check information such as your criminal and credit history
  • Inferences are not drawn from any of the information identified above to create a profile reflecting your preferences, characteristics, psychological trends, predispositions, behavior, attitudes, intelligence, abilities, and aptitudes.
  1. How and Why We Use Your Personal Information. We use your personal information for the following purposes:

Purposes for Collecting and Using Your Personal Information

Managing Human Resource Functions:

  • Recruiting, hiring, and onboarding
  • Performing background checks
  • Implementing diversity and inclusion initiatives
  • Training and career development
  • Assessing performance
  • Determining promotions, transfers, salary, awards, and bonuses
  • Managing disciplinary matters
  • Managing payroll and business expenses
  • Administering leave requests
  • Employee communications
  • Administration of benefits
  • Promoting employee health and safety

Conducting business operations:

  • Budgeting
  • Recordkeeping and reporting requirements
  • Managing infrastructure and company assets
  • Strategic planning
  • Maintaining security and risk management
  • Emergency response and business continuity
  • Conducting audits
  • Pursuing or defending legal or administrative claims

Monitoring:

  • Compliance
  • Use of company resources
  • Any other monitoring activities permitted by applicable laws

Compliance with:

  • Legal and regulatory obligations
  • Court or other government directives
  • Internal policies and procedures

Investigating:

  • Reports of wrongdoing
  • Policy violations
  • Internal complaints
  1. Whether Personal Information Will Be Sold or Shared. We do not sell or share the personal information of employees.
  2. How Long Your Personal Information Will Be Kept. We will keep your personal information for as long as is necessary while you are employed by us. Thereafter, we will keep your personal information:
  • To respond to any questions, complaints or claims made by you or on your behalf or;
  • To keep records required by law. In California, this is currently and generally a minimum of four (4) years.

We will not retain your personal information for longer than necessary for the purposes set out in this notice. Different retention periods apply for different types of personal information.

When it is no longer necessary to retain your personal information, we will delete or anonymize it.

  1. If you have any questions or concerns about this notice or the information we collect about you, please contact send an email to privacy@pacificspecialty.com.