Get a group policy if it is within your reach because you will get a more affordable Arizona home insurance rate with it. You should be aware if your employer offers such. You can confirm from associations you are part of because they might have obtained group discounts for home insurance.

I will, nevertheless, advise that you still get and compare quotes from other insurance companies that your association may have no affiliations with. This is because you may end up getting an insurance company that is ready to take less than you will even get with an group discount. Shopping extensively will help you get the most affordable rates.