- ARIZONA HOMEOWNERS INSURANCE
- What We Do at A Plus Insurance
- Is home insurance mandatory in Arizona?
- 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 in Arizona by company
- Arizona Homeowners Insurance: Best Rates by Company
- Homeowners Insurance FAQ's in Arizona
- What Arizona homeowners insurance laws do I need to know?
- How are pain and suffering damages calculated in Arizona homeowners insurance?
- How much is homeowners insurance in Arizona?
- Additional Helpful Links
What We Do at A Plus Insurance
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 Company | Annual 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.
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 |
- 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.
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 |
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Umbrella |
Motorcycle |
ATV |
Auto |
RV |
Boat |
Health |
Business |
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.
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 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 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?
How are pain and suffering damages calculated in Arizona homeowners insurance?
How much is homeowners insurance in Arizona?
Additional Helpful Links
Auto Insurance in Arizona |
Cheap SR-22 Insurance in Arizona |
Arizona Motorcycle Insurance |
Affordable Auto Insurance in Arizona |
Progressive Insurance in Arizona |
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