Homeowners Insurance in Tempe, AZ
Owning a home is a major financial commitment and may come with many risks. Ozzy Insurance Group offers home insurance to help Arizona residents manage high repair and replacement costs.
What Does Home Insurance Cover?
Home insurance, also known as homeowners insurance, may include the following: 
- Dwelling coverage can help pay to repair or rebuild your home if it’s damaged by covered events such as fire, windstorms or vandalism.
- Personal property coverage may apply to your belongings, like furniture, electronics and clothing, if they’re stolen or damaged.
- Liability coverage may step in if someone is injured on your property or if you accidentally cause damage to someone else’s property.
- Additional living expenses coverage can cover extra costs if you need to live elsewhere while your home is being repaired after a covered loss.
Who Needs This?
Home insurance is important no matter how long you’ve owned your home. Lenders typically require coverage, and even if you own your home outright, having insurance can help you recover from unexpected losses. This type of coverage may be valuable for:
- Homeowners
- Prospective buyers
- Residents seeking to cover valuable personal property
What Can Affect Your Coverage?
Several factors can influence your home insurance needs and costs, including:
- The age and condition of your home
- Local weather risks, such as monsoons or wildfires
- The value of your personal belongings
- Your chosen coverage limits and deductibles
How Can You Reduce Your Premium?
You may be able to lower your premium by:
- Bundling your homeowners and auto coverage with one insurer
- Installing features like storm shutters, fire alarms and security systems
- Choosing a higher deductible
Learn More
Contact Ozzy Insurance Group today to discuss your home insurance options and get a free custom quote.