Arizona Homeowners Insurance

Arizona Homeowners Insurance
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ARIZONA HOMEOWNERS INSURANCE

Home of the Cardinals Football Team, we will find you rates that have you dancing in the end zone!

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!

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
Arizona Homeowners Insurance

Here at A Plus Insurance we specialize in getting Arizonians the best rate for their insurance, be it Auto, Home, Boat, or any other toys!

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
Arizona Homeowners Insurance is a great bundle option with these other products!

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.

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 / Bruglar
Bundling Multiple Polices
EFT
Hail resistant roofing
Non-smoking discount
Gated comunity
Paid in full
Loyalty
Arizona Homeowners Insurance Discount Opportunities you need to ask your agent about!

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 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?

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.

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 May 16, 2022 by Lauren Mckenzie