Paper Mill Insurance
3313 Paper Mill Rd, Phoenix, MD 21131
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3313 Paper Mill Rd, Phoenix, MD 21131
View this agency's profile to learn more about their services.
Learn about insurance coverage options specific to Phoenix residents.
Phoenix has 42,000+ addresses in wildfire risk zones. Learn how to protect your home with defensible space, get affordable coverage, and navigate Arizona's changing insurance market.
Yes and no. Your standard homeowners policy covers wind and hail damage from monsoons, such as a damaged roof or broken windows. However, it does not cover flooding—even if that flooding is caused by monsoon rains. If water enters your home from the ground rather than from above through a damaged roof, you'll need a separate flood insurance policy.
The cost varies by insurer, but you'll likely need to increase your liability coverage from the standard $100,000 to at least $300,000-$500,000, which can add several hundred dollars to your annual premium. Many homeowners also add an umbrella policy for about $200-$300 per year to get an additional $1 million in liability coverage for peace of mind.
Arizona has seen some of the steepest rate increases in the nation—23.2% in 2023 and 12.6% in 2024—primarily due to increased wildfire risk across the state. As wildfires have become more frequent and severe, insurers have raised premiums to cover their rising costs. Homes near wildfire-prone areas can face 15-30% higher premiums than other Phoenix properties.
It's worth considering. While Phoenix is in the desert, monsoon rains can cause flash flooding, especially in areas with poor drainage. One in four flood insurance claims come from outside designated floodplains. Remember, there's a 30-day waiting period before coverage takes effect, so you can't wait until a storm is forecasted.
Absolutely. New homes in Arizona average just $929 annually for insurance compared to over $1,900 for older homes—a savings of more than $1,000 per year. Newer homes have modern electrical systems, updated plumbing, reinforced roofs, and fire-resistant materials that significantly reduce insurance risk and premiums.
Yes, wind damage from haboobs is typically covered by your standard homeowners policy. If a dust storm knocks a tree onto your roof, breaks windows, or causes other wind-related damage, you're covered. However, cleanup from dust infiltration is usually limited, so check your policy details.
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