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ARIZONA HOMEOWNERS INSURANCE
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- ARIZONA HOMEOWNERS INSURANCE
- Average Cost for Arizona Homeowners Insurance
- Bundling Options with Arizona Homeowners Insurance
- Cheapest Arizona Homeowners Insurance
- Rating factors for Homeowners Insurance in Arizona
- Most common Causes for Homeowners Loss and claims (nationwide)
- Discounts available for Arizona Homeowners Insurance
- Best Homeowners Insurance by company
- Arizona Homeowners Insurance: Best Rates by Company
- Homeowners Insurance FAQ’s in Arizona
- Questions About Homeowners Insurance In Another State?
- Additional Helpful Links
Average Cost for 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.
Since each city varies a bit in terms of average crime, and natural disasters, we have put together a chart to show the average cost of homeowners insurance in Arizona you should expect to pay in each city.
While these prices aren’t finalized, only an estimate, homeowners should shop around to find the most competitive pricing for their home insurance needs.Our agents are licensed with several insurance companies, so we can shop them all, saving you time and headache!
| City | Insurance 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 |
Bundling Options with Arizona Homeowners Insurance
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. Most Insurance companies offer several lines/products of insurance to their customers, making bundling easy!
If you own an ATV, motorcycle, auto, or boat you can bundle those products with your homeowners insurance to save money.
The great thing about bundling is it not only brings the cost down for your home insurance, its lowers every policy you have bundled. Not sure which products you may be able to bundle? Check for a list of most commonly bundled below so you can have the best homeowners insurance in Arizona. We even offer SR-22 Insurance in Arizona for drivers with major violations.
| Bundling Options for Arizona Homeowners Insurance |
|---|
| Umbrella |
| Motorcycle |
| ATV |
| Auto |
| RV |
| Boat |
| Health |
| Business |
Cheapest Arizona Homeowners Insurance
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 for Arizona home owners insurance, but thankfully when you use an insurance broker, we do the shopping for you:
As an Insurance Broker, our job is to represent the customers needs and best interests, as well as the insurance company at times.
That means we offer a no pressure approach, and we make sure our customers are getting the best coverage for the most affordable price.
We are able to check multiple insurance companies to see which one may fit best with you, and save you all that time searching. The chart below lists some of the best homeowners insurance companies in Arizona.
| City | Insurance Company |
|---|---|
| Nogales | Travelers |
| Sun Lakes | Allstate |
| Golden Valley | Farmers |
| Fortuna Foothills | Travelers |
| Tuba City | Liberty Mutual |
| San Tan Valley | Farmers |
| Eloy | Travelers |
| Chandler | Liberty Mutual |
| Rio Rico | Liberty Mutual |
| Fort Mohave | Liberty Mutual |
| Prescott Valley | Farmers |
| Tempe | Travelers |
| Phoenix | American Family |
| Camp Verde | American Family |
| Scottsdale | Progressive (ASI) |
| Glendale | Progressive |
| Catalina | Farmers |
| Anthem | Progressive (ASI) |
| Catalina Foothills | Liberty Mutual |
| Vail | Progressive (ASI) |
| Saddlebrooke | Amica |
| Tucson | USAA |
| Sahuarita | Progressive |
| Sierra Vista | Farmers |
| Douglas | Progressive (ASI) |
| Buckeye | Progressive (ASI) |
| Coolidge | NationWide |
| Oro Valley | NationWide |
| Casas Adobes | USAA |
| Bullhead City | Amica |
| Picture Rocks | Allstate |
| Corona de Tucson | Progressive (ASI) |
| Kingman | Allstate |
| Surprise | Allstate |
| New Kingman-Butler | Allstate |
| Maricopa | Travelers |
| Goodyear | Progressive (ASI) |
| New River | Progressive |
| Sedona | Amica |
| Sierra Vista Southeast | NationWide |
| El Mirage | Travelers |
| Prescott | Progressive (ASI) |
| Show Low | Allstate |
| Fountain Hills | American Family |
| San Luis | Progressive (ASI) |
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 |
Best Homeowners Insurance 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 Company | AM Best Rating |
|---|---|
| American International | A- |
| American Family | A |
| Travelers | A++ |
| USAA | A++ |
| Farmers Insurance | A |
| Progressive | A+ |
| Liberty Mutual | A |
| MetLife | A- |
| Allstate | A+ |
| Hartford Financial | A+ |
| Nationwide | A |
| Auto-Owners Insurance | A |
| State Farm | A++ |
| Chubb | A |
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 Company | Average 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?
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.
Additional Helpful Links
| Auto Insurance in Arizona |
| Cheap SR-22 Insurance in Arizona |
| Arizona Motorcycle Insurance |
| Affordable Auto Insurance in Arizona |
Last Updated on by Amanda Moss