- What We Do at A Plus Insurance
- Is Home Insurance Mandatory in Arizona?
- What Does Arizona Homeowners Insurance Cost?
- What Is the Average Cost for Arizona Homeowners Insurance?
- What are the Bundling Options with Arizona Homeowners Insurance?
- What Is the Cheapest Homeowners Insurance in Arizona?
- What Affects Homeowners Insurance Rates in Arizona?
- What Are the Most Common Causes of Homeowners Insurance Claims?
- What Discounts Are Available for Arizona Homeowners Insurance?
- What are the Best Homeowners Insurance Companies in Arizona?
- Arizona Homeowners Insurance: Best Rates by Company
- Homeowners Insurance FAQ's in Arizona
- Is homeowners insurance required in Arizona?
- How are pain and suffering damages handled in Arizona homeowners insurance?
- What is the average cost of homeowners insurance in Arizona?
- What factors affect the cost of homeowners insurance in Arizona?
- What does homeowners insurance typically cover in Arizona?
- How can I save money on Arizona homeowners insurance?
- Additional Helpful Links
What We Do at A Plus Insurance
Homeowners, renters, and mobile home owners: make sure you have the protection you need.
Is Home Insurance Mandatory in Arizona?
Do you need homeowners insurance in Arizona? No, it’s not legally required, but if you’re financing your home, your lender might mandate it. Even if you own your home outright, having home insurance is a smart way to protect your investment from unforeseen disasters like fires, monsoons, or theft. While it’s not a legal obligation, homeowners insurance offers peace of mind and financial security.
Ready to explore your options? Contact us today for a free, personalized quote!
What Does Arizona Homeowners Insurance Cost?
The cost of homeowners insurance in Arizona depends on factors like your home’s location, age, and condition. Homes in areas prone to wildfires or monsoons often have higher premiums, but there are ways to save. Below is a comparison of estimated annual premiums from top insurance companies for typical Arizona homeowners:
| 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 apply to single-family homes but can vary based on your unique circumstances. Get a personalized quote today to find affordable Arizona homeowners insurance tailored to your needs.
What Is the Average Cost for Arizona Homeowners Insurance?
The average cost of homeowners insurance in Arizona is about $1,200 annually, but premiums can vary widely depending on your home’s location, size, and coverage requirements. To give you a clearer picture, here’s a breakdown of estimated premiums by city:
| 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
- Home Value and Location: Higher-value homes and those in high-risk areas typically cost more to insure.
- Coverage and Deductibles: Higher coverage limits or lower deductibles will increase your premiums.
- Safety Features: Installing fire-resistant roofs, security systems, and storm-proof windows can lead to discounts.
Looking for personalized savings? Contact us today to get a tailored quote and find the best coverage for your Arizona home.
Why do homeowners insurance rates vary across Arizona? Premiums depend on factors like crime rates, weather risks, and location. For example, cities with higher crime or frequent monsoons often see higher rates. Get a personalized Arizona homeowners insurance quote today!
What are the Bundling Options with Arizona Homeowners Insurance?
Looking to save on your insurance costs? Bundling your Arizona homeowners insurance with other policies—like auto, motorcycle, or boat insurance—can lead to significant savings and simplify your insurance management. Many providers offer discounts when you combine multiple policies.
Why Bundle Insurance in Arizona?
- Save Money: Bundling reduces premiums for all the policies you combine.
- Simplify Management: Manage all your insurance needs under one account.
- Comprehensive Coverage: Bundle policies like auto, ATV, SR-22, or boat insurance for well-rounded protection.
Common Policies to Bundle:
- Auto Insurance
- Motorcycle Insurance
- ATV Insurance
- Boat Insurance
- SR-22 Insurance
Bundling is a smart way to maximize discounts while ensuring your insurance needs are covered. Contact us today to explore customized bundling options and start saving on your Arizona homeowners insurance!
| Bundling Options for Arizona Homeowners Insurance |
|---|
| Umbrella |
| Motorcycle |
| ATV |
| Auto |
| RV |
| Boat |
| Health |
| Business |
What Is the Cheapest Homeowners Insurance in Arizona?
Looking for affordable homeowners insurance in Arizona? Costs can vary depending on your city and the provider, but the good news is that using an insurance broker simplifies the process. We compare quotes from top companies across Arizona to find the best coverage at the most competitive rates.
Affordable Arizona Homeowners Insurance Providers by City
Here’s a snapshot of some of the top homeowners insurance providers and their availability across Arizona cities:
| 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) |
What Affects Homeowners Insurance Rates in Arizona?
Why does your homeowners insurance cost what it does? In Arizona, rates vary based on several factors that insurance companies use to assess risk. From your roof’s condition to the type of dog you own, these factors influence how much you pay.
Key Rating Factors for Arizona Homeowners Insurance
Here are the most common factors that impact your insurance premium:
- Location: Proximity to a fire station or areas prone to wildfires can raise rates.
- Roof Condition: Older or damaged roofs may increase premiums.
- Home Features: Wood-burning stoves, unfenced swimming pools, and trampolines are considered higher risks.
- Credit History: Insurers often use credit as an indicator of risk.
- Home Upgrades: Updates to wiring, plumbing, or roofing can lower your premium.
- Deductible Amount: Higher deductibles mean lower monthly payments.
Special Considerations
Certain dog breeds, trampolines, and unfenced pools may be considered liabilities by insurers. Some companies might require waivers, while others may refuse coverage altogether if these conditions apply.
Curious about your specific rate? Contact us today to get a personalized Arizona homeowners insurance quote tailored to your home and needs!
What Are the Most Common Causes of Homeowners Insurance Claims?
Did you know that 98.1% of homeowners insurance claims are due to property damage? Wind and hail are the leading culprits, but don’t overlook less common causes like theft or injuries—they can still result in costly claims.
Top Causes of Homeowners Insurance Claims Nationwide
Here are the most frequent reasons homeowners file insurance claims:
- Wind and Hail Damage: Major contributors to property damage claims.
- Water Damage: From burst pipes to leaks, water damage is a common issue.
- Fire: Fires can result in significant loss and high repair costs.
- Theft and Vandalism: While less common, they still impact many homeowners.
- Injuries: Liability claims often arise from accidents on your property.
- Power Surges: These can damage appliances and electronics.
- Loss of Use: When a disaster makes your home uninhabitable.
Protecting your home from these risks starts with the right coverage. Ready to safeguard your home? Get a free homeowners insurance quote today!
What Discounts Are Available for Arizona Homeowners Insurance?
Want to lower your homeowners insurance premium in Arizona? Aside from bundling your policies, many insurance companies offer additional discounts to help keep your rates affordable. Be sure to ask your insurance agent if you qualify for these savings!
Common Arizona Homeowners Insurance Discounts
Here are some of the most popular discounts available to homeowners:
- Upgraded Home Features: Discounts for updated roofs, wiring, or plumbing.
- Claims-Free: Enjoy savings if you’ve never filed a claim.
- Bundling Policies: Combine your home and auto insurance for maximum discounts.
- Safety Features: Burglar alarms, home monitoring systems, and hail-resistant roofing can reduce premiums.
- Payment Options: Pay in full or use EFT (Electronic Funds Transfer) for discounts.
- Lifestyle Discounts: Non-smoking households, gated communities, and marital status may qualify.
Pro Tip:
Loyalty to your insurer can also earn you savings over time. Contact us today to explore all available discounts and see how much you can save on your Arizona homeowners insurance!
What are the Best Homeowners Insurance Companies in Arizona?
Choosing the best homeowners insurance in Arizona isn’t just about price—it’s about finding a reliable provider that will be there when you need them most. AM Best ratings are a trusted guide for assessing an insurance company’s financial strength and ability to pay claims.
Why Ratings Matter
Sometimes, the cheapest option isn’t the best. If you choose a company with low ratings, they might not meet your expectations when you file a claim. To ensure peace of mind, research providers with strong ratings and a reputation for excellent service.
Top-Rated Arizona Homeowners Insurance Providers
Here are some of the best-rated insurance companies offering homeowners insurance in Arizona:
| Insurance Company | AM Best Rating |
|---|---|
| Travelers | A++ |
| USAA | A++ |
| State Farm | A++ |
| Progressive | A+ |
| Allstate | A+ |
| Hartford Financial | A+ |
| Farmers Insurance | A |
| Liberty Mutual | A |
| Nationwide | A |
| Chubb | A |
| American Family | A |
| Auto-Owners Insurance | A |
| MetLife | A- |
| American International | A- |
Pro Tip:
Finding the right homeowners insurance is about balancing cost with reliability. Contact us today to compare quotes from top-rated Arizona insurance providers and find coverage that fits your needs and budget.
Arizona Homeowners Insurance: Best Rates by Company
Do you really need homeowners insurance in Arizona? While it’s not legally required, it’s highly recommended to protect your home and belongings. Skipping coverage could leave you financially vulnerable in the event of a disaster.
Finding the Best Homeowners Insurance Rates in Arizona
To help you save, we’ve compiled a list of average rates from top providers in Arizona:
| Insurance Company | Average Annual Rate |
|---|---|
| Progressive | $1,295 |
| American Family Insurance | $1,273 |
| Erie Insurance | $1,262 |
| Travelers Companies Inc. | $1,326 |
| USAA | $1,352 |
| American International | $1,367 |
| Auto-Owners Insurance | $1,401 |
| Chubb | $1,400 |
| MetLife Inc. | $1,397 |
| Farmers Insurance Group | $1,410 |
| Hartford Financial Services | $1,472 |
| Allstate | $1,452 |
| Nationwide Mutual | $1,321 |
| Liberty Mutual | $1,519 |
| State Farm | $1,530 |
Why Choose a Reputable Insurer?
While price is important, the cheapest option isn’t always the best. Choosing a reliable company ensures you’ll have support when it matters most. Balance affordability with quality to get the protection you deserve.
Ready to find the best rate for your Arizona homeowners insurance? Contact us today for a free quote and personalized recommendations.
Homeowners Insurance FAQ’s in Arizona
Is homeowners insurance required in Arizona?
How are pain and suffering damages handled in Arizona homeowners insurance?
What is the average cost of homeowners insurance in Arizona?
What factors affect the cost of homeowners insurance in Arizona?
What does homeowners insurance typically cover in Arizona?
How can I save money on Arizona homeowners insurance?
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