How much do I actually need?
Two numbers carry most of the weight, and almost everybody set theirs years ago and never looked again.
Auto: your liability limit
Liability is what's available to the other person if you cause a serious accident. It's the part of your policy that protects everything you own, and it's the number most people know least about.
Arizona requires 25/50/15 — $25,000 per injured person, $50,000 per accident, $15,000 for property damage. Those are legal minimums, not recommendations.
Consider what $15,000 of property damage buys in 2026. The average new vehicle costs roughly twice that. If you total someone's car and your limit runs out, the gap doesn't disappear — it becomes yours. Same with injuries: one ambulance ride, an ER visit and a short hospital stay can clear $25,000 without anything dramatic happening.
Worth checking too: uninsured and underinsured motorist coverage is optional in Arizona, and plenty of drivers on the road carry the minimum or nothing at all. UM/UIM is what covers you when the person who hit you can't.
Umbrella, if there's something to protect
An umbrella sits on top of your auto and home liability and adds another layer, usually in million-dollar increments. It's priced surprisingly reasonably because claims that reach it are rare.
The question isn't whether you feel wealthy. It's whether a judgment larger than your limits would reach anything — equity in a house, savings, future wages. If the answer is yes, it's worth a look.
Home: your dwelling limit
Your dwelling limit should reflect what it costs to rebuild your house, not what it would sell for. Those are different numbers and they drift apart.
Market value includes your land and your location. Rebuild cost is materials and labor to put the same structure back up, at today's prices, on a lot that already exists. In a market where home values and construction costs have moved at different speeds, a limit that was right five years ago may not be right now.
The gap usually surfaces at claim time, which is the worst moment to discover it.
Deductibles, and the one that hides
A higher deductible lowers your premium, and that's a legitimate trade if you'd genuinely rather carry more of a small loss to pay less every month. Just pick a number you could actually write a check for tomorrow.
The one to look for on Arizona homeowners policies is a separate wind and hail deductible, sometimes written as a percentage of your dwelling limit rather than a flat dollar amount. A 2% deductible on a $500,000 dwelling limit is $10,000 — and wind and hail is exactly how most Arizona roof claims happen.
What I'd actually check
- Auto liability limit, and when you last raised it
- Whether you carry uninsured/underinsured motorist, and at what limit
- Dwelling limit against a current rebuild estimate
- Whether there's a separate wind/hail deductible, and what it works out to in dollars
- Any internal limits on things you own more of than you think
All of that is readable off your declarations page in about ten minutes. Send it over and I'll tell you what I see, whether or not there's anything to change.