Ways to save on your home insurance in Arizona

💡 1. One of the best ways to save on your home insurance

One of the best ways to save on your home insurance is by bundling it with other insurance policies. Bundling means purchasing multiple types of insurance — such as home, auto, motorcycle, RV, or boat — from the same insurance carrier.

By combining your policies, most insurers offer discounts of 10%–25% on your total premiums.
Beyond the cost savings, bundling makes managing your insurance simpler: one company, one renewal date, and one point of contact for claims or service.

Example:
If you currently pay $1,200 per year for homeowners insurance and $1,000 for auto insurance, bundling could save you up to $400 annually.

🔒 2. Increase Your Home’s Security

Installing safety and security devices can significantly reduce your home insurance costs. This is another top 10 ways to save on your home insuranceMany carriers offer discounts for:

• Monitored security systems

• Fire and smoke alarms

• Smart home devices (water leak sensors, automatic shutoffs, etc.)

• Deadbolt locks and burglar alarms

These features lower the risk of theft or fire, which means your insurer may reward you with lower premiums.

🧱 3. Improve or Update Your Home’s Structure

Older homes or outdated systems (like old wiring or plumbing) can increase insurance costs. Investing in updates not only protects your property but also signals to your insurance company that your home is safer.  This is one of the ways to save on your home insurance that might cost a little more money.

Consider upgrades such as:

• Replacing old electrical panels

• Updating plumbing to modern materials

• Reinforcing your roof

• Installing storm-resistant windows

These improvements can qualify you for home safety discounts and reduce the likelihood of costly claims.

🧾 4. Review and Adjust Your Coverage

Another way to save on your home insurance is to regularly review your policy with your agent. Over time, your home’s value, personal belongings, or risk profile may change — but your coverage might not reflect that.

Your agent can help you:

• Remove unnecessary endorsements

• Adjust deductibles for lower premiums

• Ensure your coverage matches your current needs

A yearly review helps make sure you’re not overpaying for outdated coverage.

💳 5. Increase Your Deductible one of the ways to save on your home insurance

Your deductible is the amount you pay out of pocket before your insurance kicks in for a claim. By choosing a higher deductible, you can often lower your premium by 10%–20%.

However, be sure the amount is affordable in an emergency. For instance, if you raise your deductible from $1,000 to $2,500, make sure you have that cash available if you need to file a claim.

🧍‍♂️ 6. Maintain a Good Credit Score

In Arizona, insurers often use your credit-based insurance score as a rating factor. A better score can lead to lower insurance premiums, since it’s associated with responsible financial behavior.

Pay bills on time, reduce outstanding debt, and check your credit report regularly to ensure accuracy. Maintaining good credit can translate to hundreds of dollars in annual savings on your home policy.

🌵 7. Work with a Local Arizona Independent Agent

One of the most overlooked ways to save on your home insurance is by working with an independent insurance agency like Professional Insurance Strategies.

We partner with multiple top-rated insurance carriers to find you the best coverage at the best price — instead of being limited to one company’s rates. We understand Arizona-specific risks, including wildfire exposure, monsoon damage, and local building costs, so we can tailor your policy to your exact needs.

🏠 Save on Home Insurance with Professional Insurance Strategies

At Professional Insurance Strategies, our experienced Arizona agents will help you find every possible discount and coverage advantage. From bundling your home and auto insurance to reviewing your policy each year, we make sure your home is protected — and your wallet is too.

📞 Call 623-463-9000 or visit proinsgroup.com to request a quote and learn new ways to save on your home insurance in Arizona today.