1.
If you buy a home in a neighborhood that has just a volunteer fire service, you'll get less affordable rates than for a neighborhood that has a full-time fire service.
Also along these lines, how close your home is to a fire station or hydrant will determine your home insurance rate.
People who reside nearest to firefighters or fire fighting facilities get cheaper premiums everything being equal.
2.
Do not buy a house in an area that is notorious for crime.
Insurers consider homes in such neighborhoods as high risks and high premiums are the only way they can guarantee they can carry the risk.
Please, even if it seems a house is in a low crime neighborhood, still confirm to be really sure.
You can find out by inquiring from an insurance agent.
It does happen that the house on the adjacent street belongs to a high crime zone (by an insurance company's map) while yours is in a low crime zone.
3.
Check how far away the home is from the nearest police station.
This also will help in lowering your homeowners insurance rate.
4.
This is essential in spite of the fact that it's not typically added to a home insurance policy.
Houses in flood-prone areas aren't adequately protected without a flood insurance policy and this will mean up to $500 yearly.
Note that any mortgagor will demand that you buy it if you go for a home in a flood region.
You will avoid such additional expense by buying a home in a place that isn't suffering such.
You can bring down your Arizona home insurance premium by asking for and evaluating quotes from at least three good quotes sites.