Belongings that move with you
A renters policy covers your property away from the premises as well as in it, subject to its own limit, which matters when half of what you own is in storage in another state. The limits for property off-premises differ sharply between carriers and are worth confirming rather than assuming.
The house you keep after you leave
Posting elsewhere and renting out the house you bought here is a common path, and a homeowners form is the wrong contract the moment it is tenanted. Changing it is easy before you go and impossible after a claim.
High desert weather at four thousand feet
This is not low-desert Arizona. Freeze matters here, hail is a genuine seasonal risk, and roofs take weather that Tucson does not. A policy written on Tucson assumptions is not quite written for this town.