Arizona Homeowners Insurance (2025 Guide)
Quick answer: The average cost of homeowners insurance in Arizona runs about $2,000–$2,600 per year. Phoenix usually trends higher, Tucson lower. Standard HO-3 policies cover fire, wind, theft, and liability, but not floods or earthquakes. Always compare carriers before you renew.
Average Cost of Home Insurance in Arizona
Rates depend on the city, dwelling rebuild cost, and your deductible. Compare your city’s exact rate here.
| City | Average Annual Premium |
|---|---|
| Phoenix | $3,150 |
| Mesa | $2,665 |
| Scottsdale | $2,650 |
| Tucson | $2,225 |
| Flagstaff | $2,330 |
| Yuma | $2,215 |
Methodologies vary across publishers; always verify by address.
What Does an Arizona Homeowners Policy Cover?
- Covered: Fire, wind/hail, theft, vandalism, sudden water leaks, liability, loss of use.
- Not Covered: Flood, earthquake, wear and tear, maintenance issues.
Coverage Examples
| Coverage | Example Claim | Notes |
|---|---|---|
| Dwelling | Haboob winds tear off shingles | Set coverage to full rebuild value |
| Personal Property | Power surge fries electronics | Ask for replacement cost coverage |
| Liability | Guest trips on loose pavers | $300k–$500k recommended |
| Flood (not covered) | Flash flood enters home | Separate flood policy required |
Always check how each coverage type is priced — get a side-by-side quote for clarity.
How to Save on Arizona Home Insurance
- Compare multiple carriers (we’ll shop for you)
- Bundle home + auto for discounts
- Raise deductibles wisely
- Upgrade roof & security features
- Install water-leak sensors
Helpful Links
Arizona Auto Insurance
See how bundling auto + home can lower your premium.
SR-22 Insurance (South Carolina)
Learn about high-risk driver requirements and filings.
Florida Homeowners Insurance
Compare how costs differ in coastal states.
Get a Quote Tool
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FAQs
How much is homeowners insurance in Arizona?
Most homeowners see $2,000–$2,600/year, with Phoenix trending higher and Tucson lower. Your price depends on rebuild cost, roof/age, deductible, and prior claims. Check your exact rate.
What factors impact my premium the most?
Rebuild cost, roof age/material, location fire protection, prior claims, credit-based insurance factors (where allowed), pets/pool, and your deductible choice. Compare carriers side-by-side.
How much Dwelling Coverage (Coverage A) do I need?
Insure to the rebuild cost—not market value. Your broker can run a replacement cost estimator considering square footage, materials, and labor. Get help sizing Coverage A.
HO-3 vs HO-5: what’s the difference?
HO-3 is standard; HO-5 often expands “open perils” to personal property and can include higher sub-limits. Availability and price vary by carrier. See which you qualify for.
Does insurance cover monsoons, haboobs, wildfire smoke, or flooding?
Wind/hail from monsoons and smoke/fire damage are typically covered; flood (rising water) is not—needs separate flood insurance. Sand/dust damage depends on cause and policy language. Ask about flood options.
Am I covered for water backup or slow leaks?
Water/sewer backup usually needs an endorsement. Gradual leaks or seepage may be excluded; sudden/accidental discharges are commonly covered. Add water backup coverage.
Replacement Cost vs Actual Cash Value—why it matters?
Replacement Cost (RC) pays to replace new for old; Actual Cash Value (ACV) subtracts depreciation. Many carriers offer RC for roof and contents—often worth the upgrade. See RC vs ACV pricing.
What is Ordinance or Law coverage?
Covers extra costs to bring repairs up to current building codes after a covered loss (e.g., electrical, roof decking). Limits vary (10–50% of Coverage A). Check your O&L limit.
Short-term rentals (Airbnb/VRBO) or home business—am I covered?
Many standard policies exclude business activity and STR exposure without endorsements or a different policy form (landlord/DP). Get the right policy type.
What deductible should I pick in Arizona?
Higher deductibles usually lower premiums, but ensure you could pay that amount at claim time. Some carriers have separate wind/hail deductibles; compare total out-of-pocket. Model your savings.
Will bundling home + auto really save money?
Often yes—bundling can unlock multi-policy discounts and simplify claims service. Savings differ by carrier and profile. See bundle discounts.
How does a claim work—what’s the typical timeline?
Report the loss → prevent further damage → adjuster inspection → estimate → payment → repairs. Keep receipts/photos and communicate promptly to avoid delays. Ask about carrier claims support.
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Homeowners, renters, and mobile home owners: make sure you have the protection you need.
Last Updated on by Jayleen Ridgeway