ARIZONA HOMEOWNERS INSURANCE

Nestled in the heart of the Grand Canyon State, home of the Cardinals Football Team, we specialize in scoring you the best Arizona homeowners insurance rates that’ll have you dancing in the end zone! Contact us now for a free quote and let us tackle the challenge of finding you coverage that matches both your needs and budget, ensuring your peace of mind.

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Homeowners, renters, and mobile home owners: make sure you have the protection you need.

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Motorcycles, RVs, ATVs, life insurance, you name it…we can help!

Is home insurance mandatory in Arizona?

No, home insurance is not legally mandated in Arizona. However, if you’re financing your home, your lender may require it. Even if you own your home outright, securing home insurance is advisable to protect against potential disasters. While it’s not compulsory by law, it’s a prudent choice to safeguard your investment.

Arizona Homeowners Insurance Cost Overview

The cost of homeowners insurance in Arizona varies based on multiple factors including location, home age, and roof condition. To provide an accurate estimate, it’s best to consult with an insurance agent who can tailor a policy to your specific needs. Below is a comparison table showcasing estimated annual premiums from various insurance carriers for a typical Arizona homeowner:

Insurance CompanyAnnual Premium Estimate
Progressive$900 – $1,200
Dairyland$1,000 – $1,300
Travelers$950 – $1,250
Gainsco$1,100 – $1,400
Assurance$1,050 – $1,350
National General$1,050 – $1,300
Bristol West$1,100 – $1,400
Mendota$1,000 – $1,300
The General$1,150 – $1,450
Suncoast$1,000 – $1,250

These estimates are based on typical coverage for a single-family home and may vary depending on individual circumstances.

Average Cost for Arizona Homeowners Insurance

Finding the right Arizona homeowners insurance is about more than just covering your property; it’s about ensuring peace of mind in a state known for its unique natural beauty and challenges. The average cost of homeowners insurance in Arizona can vary widely based on several factors, including the location of your home, its size, and the coverage options you choose.

To help you understand what to expect, we’ve compiled a table of estimated yearly premiums for Arizona homeowners insurance, using data from a selection of insurers we work with. Remember, these are just estimates, and your actual costs could differ.

CityInsurance Rate
San Luis$1,137.00
Payson$1,162.00
Winslow$1,377.00
Sierra Vista Southeast$1,246.00
Casas Adobes$1,182.00
Golden Valley$1,234.00
Chandler$1,286.00
Chino Valley$1,129.00
San Tan Valley$1,409.00
Buckeye$1,382.00
Sun City West$1,267.00
Green Valley$1,410.00
Valencia West$1,295.00
New River$1,412.00
Sierra Vista$1,234.00
Lake Havasu City$1,228.00
Peoria$1,409.00
Verde Village$1,361.00
Safford$1,242.00
Somerton$1,357.00
Apache Junction$1,333.00
Prescott Valley$1,196.00
Yuma$1,394.00
Sedona$1,245.00
Douglas$1,323.00
Mesa$1,215.00
Tucson$1,400.00
Fountain Hills$1,103.00
Gold Canyon$1,257.00
Corona de Tucson$1,296.00
Marana$1,278.00
Sun Lakes$1,150.00
Rio Rico$1,293.00
Tempe$1,145.00
Avondale$1,282.00
Picture Rocks$1,184.00
Goodyear$1,364.00
Gilbert$1,350.00
Casa Grande$1,349.00
Maricopa$1,309.00
Kingman$1,311.00
New Kingman-Butler$1,349.00
Tucson Estates$1,327.00
Paradise Valley$1,319.00
Oro Valley$1,342.00
Catalina Foothills$1,229.00
Fort Mohave$1,226.00
Show Low$1,171.00
Queen Creek$1,158.00
Tanque Verde$1,397.00
Prescott$1,207.00
Cottonwood city$1,285.00
Phoenix$1,250.00
Flagstaff$1,414.00
Glendale$1,404.00
Sun City$1,330.00
Surprise$1,331.00
Scottsdale$1,244.00
Tuba City$1,319.00
Drexel Heights$1,143.00
Nogales$1,110.00
Florence$1,226.00
Eloy$1,424.00
Arizona City$1,285.00
  • Factors Influencing Your Insurance Premium:
    • The value and location of your home
    • The amount of coverage you need
    • Deductible amounts
    • Any additional riders or coverages

Securing affordable Arizona homeowners insurance that provides comprehensive protection for your home requires careful consideration of these factors. For personalized assistance and to explore a range of quotes tailored to your specific needs, reaching out to our team is your next best step.

Arizona Homeowners Insurance

Homeowners insurance rates vary from city to city because there are so many different factors that affect a premium. For example, if a city has higher crime rates, more likely to be hit by a tornado, etc., the premiums will be higher!

Bundling Options with Arizona Homeowners Insurance

Bundling with your Arizona Homeowners Insurance can lead to significant savings across all your insurance needs. Most insurance companies provide a variety of products, making it easy to combine your home insurance with other policies, such as auto,  ATV, motorcycle, auto, or boat insurance. This not only simplifies your insurance management but also reduces the premiums for each policy you bundle together.

Save Money by Bundling with Arizona Homeowners Insurance

  • Comprehensive Coverage: Bundling helps ensure all your insurance needs are covered under one roof.
  • Cost Reduction Across Policies: The beauty of bundling lies in the universal savings—it lowers the cost of your homeowners insurance and each additional policy you bundle.
  • Simplified Insurance Management: Managing one account for multiple policies makes insurance simpler.
  • Customized Bundling Options: Whether you need SR-22 insurance in Arizona due to major driving violations or want to protect your recreational vehicles, bundling accommodates a wide range of insurance products.

Most Commonly Bundled Products:

  • Auto Insurance
  • Motorcycle Insurance
  • ATV Insurance
  • Boat Insurance
  • SR-22 Insurance

Bundling offers a smart pathway to securing the best Arizona Homeowners Insurance while enjoying discounts across your entire insurance portfolio. Unsure about what you can bundle? Our team is ready to guide you through the options, ensuring you maximize your savings and coverage.

Bundling Options for Arizona Homeowners Insurance
Umbrella
Motorcycle
ATV
Auto
RV
Boat
Health
Business
Arizona Homeowners Insurance is a great bundle option with these other products!

Cheapest Arizona Homeowners Insurance

Navigating the landscape of homeowners insurance in Arizona can be daunting, with each city presenting its own average cost breakdown. The good news? Leveraging an insurance broker simplifies this process immensely.

As an Insurance Broker, we’re dedicated to serving your interests first and foremost, ensuring you receive the best coverage at the most competitive rates. Our approach is stress-free and customer-focused, allowing us to explore a variety of insurance options on your behalf. This means you don’t have to spend hours researching; we do the heavy lifting for you, comparing offerings across multiple insurance companies to find the perfect match for your needs. Below is a compilation of some of the top homeowners insurance providers in Arizona, reflecting our commitment to connecting you with the best options available.

CityInsurance Company
NogalesTravelers
Sun LakesAllstate
Golden ValleyFarmers
Fortuna FoothillsTravelers
Tuba CityLiberty Mutual
San Tan ValleyFarmers
EloyTravelers
ChandlerLiberty Mutual
Rio RicoLiberty Mutual
Fort MohaveLiberty Mutual
Prescott ValleyFarmers
TempeTravelers
PhoenixAmerican Family
Camp VerdeAmerican Family
ScottsdaleProgressive (ASI)
GlendaleProgressive
CatalinaFarmers
AnthemProgressive (ASI)
Catalina FoothillsLiberty Mutual
VailProgressive (ASI)
SaddlebrookeAmica
TucsonUSAA
SahuaritaProgressive
Sierra VistaFarmers
DouglasProgressive (ASI)
BuckeyeProgressive (ASI)
CoolidgeNationWide
Oro ValleyNationWide
Casas AdobesUSAA
Bullhead CityAmica
Picture RocksAllstate
Corona de TucsonProgressive (ASI)
KingmanAllstate
SurpriseAllstate
New Kingman-ButlerAllstate
MaricopaTravelers
GoodyearProgressive (ASI)
New RiverProgressive
SedonaAmica
Sierra Vista SoutheastNationWide
El MirageTravelers
PrescottProgressive (ASI)
Show LowAllstate
Fountain HillsAmerican Family
San LuisProgressive (ASI)
There are some great companies that offer Arizona Homeowners Insurance!

Rating factors for Homeowners Insurance in Arizona

Homeowners Insurance rates are not one size fit all. There are various factors such as credit history, your roof condition, even what kind of dog you have that can affect how much you pay for homeowners insurance.

Most Insurance companies consider certain dog breeds a liability, as well as an un fenced swimming pool, and trampoline on the property. Some companies have exclusion waivers to sign, while other companies may not insure you if one of the following conditions apply to you.

Homeowners Insurance Rating Factors
Protection Class Proximity to fire station
Deductible
Location
Wood-burning stoves
Value of home Replacement cost
Credit history
Age of Home
Upgrades to Wiring plumbing
Marital status
Roof condition
Home liability limits

Most common Causes for Homeowners Loss and claims (nationwide)

Statistics show that 98.1% of losses and homeowners claims are due to property damage, with wind and hail damage making up a big chunk. But don’t rule out the small percentage of homeowners losses due to theft…it still happens!

Common Causes for Homeowners Losses and Claims
Other Weather related
Water Damage
Injuries
Wind
Hail
Vandalism
Power surge
Loss of Use
Theft
Fire

Discounts available for Arizona Homeowners Insurance

Aside from a bundling discount, which will save you hundreds on your home insurance premium, insurance companies offer several other discounts to help keep your rates low cost and affordable.

Many companies vary in discounts, but some of the most common discounts are listed in the chart below. Make sure to ask your insurance agent if they have applied all applicable discounts for you.

If you want the cheapest homeowners insurance in Arizona, see how you may qualify for discounts with homeowners insurance by having one of the following:

Discounts Available For Homeowners Insurance
Upgraded roof
Upgraded Wiring
Married discount
Upgraded plumbing
New home discount
Claims Free
Home monitoring / Burglar
Bundling Multiple Polices
EFT
Hail resistant roofing
Non-smoking discount
Gated community
Paid in full
Loyalty
Arizona Homeowners Insurance Discount Opportunities you need to ask your agent about!

Best Homeowners Insurance in Arizona by company

AM Best Company is an excellent guide to help you choose a homeowners insurance provider.

Their ratings assess how well an insurance company pays claims and meets it’s financial obligations.

Sometimes the cheapest company, is not always the right company for you. If you settle for a company that does not have great ratings even though they are the cheapest option, they may not be there for you in your time of need, which may leave you with a bad taste in your mouth for all insurance companies. Make sure to do your research when shopping for home insurance and find a reputable, reasonability priced company to ensure you get the coverage and service you deserve.

Insurance CompanyAM Best Rating
American InternationalA-
American FamilyA
TravelersA++
USAAA++
Farmers InsuranceA
ProgressiveA+
Liberty MutualA
MetLifeA-
AllstateA+
Hartford FinancialA+
NationwideA
Auto-Owners InsuranceA
State FarmA++
ChubbA
Arizona Homeowners Insurance companies and their AM best ratings

Arizona Homeowners Insurance: Best Rates by Company

In trying to cut cost, some people ask if they really need homeowners insurance, or is homeowners insurance required in Arizona at all?

To answer, Homeowners insurance isn’t as regulated by state guidelines as car insurance is. Usually it’s up to the insurance company how they will regulate the premiums.

However, it isn’t wise to go without it. We have found the best average rates so you can stop worrying about your wallet.

Insurance CompanyAverage Homeowners Rates
Travelers Companies Inc.$1,326
American Family Insurance$1,273
Erie Insurance$1,262
Auto-Owners Insurance$1,401
Nationwide Mutual$1,321
MetLife Inc.$1,397
Liberty Mutual$1,519
Progressive$1,295
State Farm$1,530
American International$1,367
Chubb$1,400
Farmers Insurance Group$1,410
Hartford Financial Services$1,472
USAA$1,352
Allstate$1,452

Homeowners Insurance FAQ’s in Arizona

What Arizona homeowners insurance laws do I need to know?

While homeowners insurance is not required by law in Arizona, you may need it in order to get a home financed. If you purchase the home outright, you should still consider home insurance in the event of a disaster to make sure you are covered.

How are pain and suffering damages calculated in Arizona homeowners insurance?

Insurance companies will determine how many days you are expected to be in ongoing pain or discomfort. They then apply your daily rate of pay to the equation and multiply the days of pain by your rate of pay per day.

How much is homeowners insurance in Arizona?

Arizona homeowners insurance will vary based on several factors such as your location, age of the home, roof, and other factors. Check with an Insurance agent to see accurate pricing.
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For more information about Arizona homeowners insurance, please call us at 1.888.445.2793.

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Last Updated on by Veronica Moss

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