A message to home buyers from the Director of the Arizona Department of Insurance.
A burning question: Are you covered in the event of a fire?
Insurance Tips for Disaster Victims
Why title insurance?
Check this out before buying title insurance.
Do you need flood insurance? This fact sheet provides information to help you answer that question.
What you need to know about flood insurance.
This list of “calculators” can aid homeowners’ discussion about the adequacy of their homeowners insurance coverage with their insurance representative.
A guide to help you decide if you need to adjust your homeowners coverage.
The best time to prepare for what to do after a storm or disaster is before the event happens. This publication contains points to keep in mind about your auto and homeowners insurance coverage.
Making a report after a disaster
Learn how insurance companies use your credit information.
Information about how to protect yourself from increased flooding risk after wildfire flames are extinguished.
If you have questions about flood insurance, including information on the new flood maps and new rate structure, use this document to contact FEMA. The Department encourages everyone on or near a flood plain to review their insurance policies, contact FEMA with flood-related questions, and be prepared.
Learn how renting part or all of your home to a guest for a fee may affect your homeowners insurance coverage.
Learn about home warranty service contracts
STEP ONE: Inventory your contents. Making a record of what you have provides two major benefits. First, it could help you estimate the cost of replacing your contents, which you could use to make sure you have enough insurance coverage. Second, it will help you identify missing or destroyed items if you need to file an insurance claim. Keep your inventory records in a safe place outside your home, such as a safe deposit box at a bank, or in a secure online location.
STEP TWO: Understand what your homeowners’ insurance policy covers.If you do not have your policy on hand, get a copy from your insurance company or insurance agent. Then, make sure your policy provides enough coverage for your dwelling, contents and additional living expenses.
Importantly, insurance policies are often lengthy, detailed documents. Do not hesitate to contact your agent or insurance company representative if you have any questions.
STEP THREE: Minimize your fire risk.Periodically inspect your home for overloaded power strips, damaged electrical cords or other potential fire hazards. Keep vegetation and combustible materials away from your home. If you are in an area that is at higher risk for wildfire, follow “Avoiding Wildfire Damage” guidelines published by the Federal Emergency Management Agency (https://www.fema.gov/pdf/hazard/wildfire/wdfrdam.pdf).
If you are the victim of a fire, remaining organized after an event can be difficult, but it is essential so that you can receive the benefits that your insurance coverage provides.
Persons with disabilities may request materials in an alternative format by contacting our Americans with Disabilities Act Coordinator at (602) 364-0108.
Contact information for companies that sell homeowners insurance in Arizona.