Arizona Home Owners Insurance

Arizona

Arizona Home owners Insurance

Arizona Home Owners Insurance Image Shows A Home Sitting On Cash
Arizona Home owners Insurance

Bundling Options with Homeowners insurance in Arizona

Here are some ways you can save money while bundling with your homeowners insurance.

Bundling will save you money in most cases and provide coverage for all your needs.

Arizona Home owners Insurance Bundling OptionsAutoLifeMotorcycleRVUmbrellaBusinessATVHealthBoat

Cheapest Homeowners Insurance (by city) in Arizona

Here we have an average cost breakdown for homeowners insurance by city in Arizona.

It can take a lot of time to shop each insurance company, but thankfully when you use an insurance broker, we do the shopping for you:

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)

Arizona Home owners Insurance coverage options

Average Cost for Homeowners Insurance in Arizona (by city)

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.

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

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.

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

What does homeowners insurance cover in Arizona

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Discounts available for Home Owners insurance in Arizona

See how you may qualify for discounts with homeowners insurance by having one of the following:

Discounts Available For Home Owners Insurance
Upgraded roof
Upgraded Wiring
Married discount
Upgraded plumbing
New home discount
Claims Free
Home monitoring / Bruglar
Bundling Multiple Polices
EFT
Hail resistant roofing
Non-smoking discount
Gated comunity
Paid in full
Loyalty

Best Homeowners insurance by company in Arizona

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.

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

Homeowners Insurance Rates by Company in Arizona

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.

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

* Laws pretaining to Home Owners in Arizona

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Home owners Insurance FAQ’s in Arizona

Questions About Homeowners Insurance In Another State?


Insurance varies greatly from state to state. Click on your state to find out more specifics about homeowners insurance.

AL AZ AR CA CO CT DE FL GA HI ID IL IN IA KS KY LA ME MD MA MI MN MS MO MT NE NV NH NJ NM NY NC ND OH OK OR PA RI SC SD TN TX UT VT VA WA WV WI WY

Or If You’re Ready…

If you have all the information you need, get a homeowners quote now!

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Last Updated on November 11, 2021 by Katie Sopko

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