Homeowners insurance is essential, but it is also pretty pricy. Many people can be put off of taking insurance that offers the extensive coverage they need due to the price of Arizona Homeowners Insurance Quotes. However, many applicants are unaware that they could be entitled to discounts on their premium. The discounts available may vary depending on the insurer, however there are some which are common throughout the state. These discounts are not always widely publicized but they are most definitely available at arizona-insurance.website and are worth asking about. To give you some idea of the kind of discounts you may be entitled to, here is a quick overview.
New Home Discount
If your home is a new build that is less than 14 years old, then you could be entitled to a new home discount. Insurer’s consider new homes to be safer than older dwellings, due to the more modern heating, plumbing and electrical systems. These more recent systems should in theory reduce the risk of anything going wrong and therefore reduce the risk of you needing to make a homeowners insurance claim.
Home Renovation Discount
If you have recently made improvements to your home such as replacing the electrical or plumbing system or adding extra insulation then the safety and security of your home will be increased and insurers are willing to reward you for that, by offering you a home renovation discount on your insurance premium.
New Roof Discount
If the roof on your home has been replaced within the last 6 years then you may be able to get a new roof discount. A further discount may be applied if the materials used for the room are certified for their superior impact resistance. The more resistant the materials are the safer the roof will be and the lower the probability of any damage occurring to the rest of the home. Therefore, insurers are willing to reflect this low risk in their quote.
Home Safety Discount
When you go to get your Arizona Homeowners Insurance quotes from any insurance company, they will want to know that you are a responsible homeowner. Therefore, they take any example of you upholding the safety and security of your home very seriously. If you have added extra security measures such as fortified windows, and doors, as well as anti-theft devices such as burglar alarms and security cameras then it is highly likely that you will be eligible for a home safety discount.