Best homeowners insurance in Arizona (August 23)
Protect Your Home with Homeowners Insurance and Save with Way
Free quotes from 150+ carriers in seconds
Lowest rate guaranteed
Up to $453 savings per year on average
Are you looking for low-priced Arizona home insurance? We have analyzed the major home insurance providers, and our review features in detail about average home insurance cost in Arizona.
Why compare home insurance rates in Arizona
- On average, an Arizona home insurance costs you $1,602 annually.
- The rate of homeowners insurance in Arizona starts at $875 for a year.
- A standard Arizona home insurance policy doesn't cover damage caused by floods. So, ensure to buy flood insurance additionally.
Arizona homeowners insurance: what you need to know
On average, homeowners insurance in AZ costs a resident around $1,602 annually. Homeowners insurance isn't subject to state regulation like auto insurance is. Despite this, Arizona is one of the states with the largest disparities in house insurance rates. The cost of a policy may vary from state to state depending on the total number and amount of home insurance claims filed in that jurisdiction and the value of the possessions and structures covered by the policy.
Arizona home insurance is essential for the residents as the state is prone to wildfires that often damage houses and land. However, the rate of average homeowners insurance in Arizona is slightly less than the national average. Still, getting quotes from many insurers will help you find a cheaper homeowner insurance policy.
What does a homeowners insurance policy cover?
A typical Arizona home insurance offers the following standard coverages – Dwelling, Personal property, Liability, Other structures, Medical payments to others, and Additional living expenses. However, be aware that your risks will determine the coverage limits.
In typical homeowners insurance in AZ, your personal property gets coverage for specific hazards. Other threats covered by home insurance include theft, vandalism, fire, lightning, and explosions. These are some additional coverages you can buy.
Flood insurance: Typical homeowners insurance policies do not cover damage from flooding. Due to the significant potential of flash floods in Arizona, flood insurance may be well worth considering. Suppose you live in a flood-affected area and have a mortgage. In that case, you can also be obliged to carry flood insurance, even though it is voluntary.
Coverage for water backups: The sudden, intense downpours that can cause flash floods can also strain your sewage and drain systems. It also causes water to back up into your home. A water backup coverage can cover losses brought on by water leaking into your house.
Coverage against wildfires: Homeowners insurance typically covers fire damage as a common threat. But suppose you reside in a particularly high-risk location. In that case, you may need a separate policy for higher limits or more comprehensive fire damage coverage.
Replacement cost coverage: Some insurers include replacement cost coverage as part of their standard insurance package. But others view it as an optional extra coverage you must buy separately. So buying this coverage will allow you to replace damaged or lost items with new ones without accounting for wear and tear or depreciation.
What isn't covered by a typical homeowners insurance policy?
A typical Arizona home insurance would not cover issues like floods, sinkholes, earthquakes, loss of power, insect and vermin infestations, nuclear hazards, war, wear and tear, and intentional loss. Therefore, it's always a decent idea to carefully examine your home insurance policy to understand what is and isn't covered.
The cheapest home insurance companies in Arizona
Getting home insurance quotes in Arizona from many insurers is the best way by which you can find the most affordable homeowners insurance policy. Our research found that USAA offers the cheapest Arizona home insurance with a yearly average rate of $875. If you don't qualify for USAA, the next best option is American Family, with an annual rate of $1,162.
Individual premiums may change depending on your coverage options and the insured property's cost. Also, before buying a policy, you must consider the company's track record with customer satisfaction. These are the rates of some companies providing the cheapest Arizona home insurance.
| Insurer | Average annual rate |
|---|---|
| USAA | $875 |
| American Family | $1,162 |
| State Farm | $1,374 |
| Farmers | $1,952 |
| Allstate | $1,957 |
The best homeowner's insurance in Arizona for those with poor credit
Customers with better credit scores are more likely to pay for minor repairs out of pocket. According to insurers, those with bad credit are more likely to have their home insurance policy cover the cost. Due to this, insurers frequently charge customers with low credit scores higher rates.
With an average annual rate of $1,488, USAA offers the lowest rate for Arizona home insurance for a homeowner with poor credit. American Family is the second-best option, with a yearly average rate of $2,037. Search around several companies and compare policies to ensure you receive the best deal.
| Insurer | Average annual rate |
|---|---|
| USAA | $1,488 |
| American Family | $2,037 |
| State Farm | $2,344 |
| Farmers | $2,836 |
| Allstate | $2,844 |
Homeowners Insurance deductibles in Arizona
Your home insurance deductible is the cost of your claim you are responsible for paying. Every time you submit a claim, you must pay a deductible. Arizona homeowners can save around $463 on house insurance by selecting a $2,000 deductible over a $500 deductible, as indicated in the table below.
| Deductible Level | Average annual rate |
|---|---|
| $500 | $2,173 |
| $1,000 | $1,909 |
| $2,000 | $2,065 |
Arizona home insurance prices by coverage levels
The part of your home insurance called dwelling coverage pays to fix or rebuild your house following a covered loss. The coverage amount is calculated based on your home's replacement cost to ensure you have adequate coverage.
You must pay Higher Arizona home insurance premiums if the dwelling coverage is higher. A $100,000 insurance policy costs just $1,010, compared to $2,867 for a $500,000 policy.
| Dwelling coverage cost | Average annual rate |
|---|---|
| $100,000 | $1,010 |
| $200,000 | $1,449 |
| $300,000 | $1,909 |
| $400,000 | $2,364 |
| $500,000 | $2,867 |
Arizona Homeowners insurance costs by city
The cost of home insurance varies among Arizonan cities. Therefore, the volume of claims in your neighborhood and your ZIP Code may significantly impact your final Arizona home insurance rates.
Oro Valley has the lowest home insurance premiums in Arizona. Oro Valley homeowners insurance policies cost an average of $1,090 annually, which is $512 less than the state average. These are some of Arizona's most affordable cities for homeowners insurance.
| City | Average annual rate |
|---|---|
| Aguila | $2,171 |
| Ajo | $1,574 |
| Ak-Chin Village | $1,620 |
| Alpine | $1,646 |
| Amado | $1,535 |
| Anthem | $1,538 |
| Apache Junction | $1,869 |
| Arizona City | $1,669 |
| Arizona Village | $1,526 |
| Arlington | $1,608 |
| Avenue B and C | $1,326 |
| Avondale | $1,564 |
| Avra Valley | $1,454 |
| Bagdad | $1,518 |
| Bapchule | $2,265 |
| Bellemont | $2,093 |
| Benson | $1,509 |
| Bisbee | $1,552 |
| Black Canyon City | $1,534 |
| Blackwater | $1,649 |
| Blue | $1,627 |
| Blue Gap | $2,118 |
| Bluewater | $1,455 |
| Bouse | $1,439 |
| Buckeye | $1,491 |
| Bullhead City | $1,455 |
| Bylas | $1,582 |
| Cactus Flats | $1,544 |
| Cameron | $2,091 |
| Camp Verde | $1,491 |
| Carefree | $1,580 |
| Casa Grande | $1,836 |
| Casas Adobes | $1,512 |
| Cashion | $2,136 |
| Catalina | $1,482 |
| Catalina Foothills | $1,542 |
| Cave Creek | $1,611 |
| Central | $2,121 |
| Central Heights-Midland City | $1,509 |
| Chambers | $1,525 |
| Chandler | $1,564 |
| Chandler Heights | $2,210 |
| Chinle | $1,533 |
| Chino Valley | $1,438 |
| Chloride | $2,126 |
| Cibecue | $2,138 |
| Cibola | $1,427 |
| Cienega Springs | $1,431 |
| Citrus Park | $1,520 |
| Clarkdale | $1,413 |
| Clay Springs | $2,158 |
| Claypool | $1,537 |
| Clifton | $1,527 |
| Cochise | $1,504 |
| Colorado City | $1,467 |
| Concho | $1,677 |
| Congress | $1,493 |
| Coolidge | $1,657 |
| Cordes Lakes | $1,536 |
| Cornville | $1,434 |
| Corona de Tucson | $1,505 |
| Cortaro | $2,132 |
| Cottonwood | $1,425 |
| Crown King | $1,539 |
| Dateland | $1,537 |
| Desert Hills | $1,517 |
| Dewey | $1,448 |
| Dilkon | $1,464 |
| Dolan Springs | $1,485 |
| Doney Park | $1,500 |
| Donovan Estates | $1,326 |
| Douglas | $1,471 |
| Dragoon | $1,551 |
| Drexel Heights | $1,506 |
| Dudleyville | $1,701 |
| Duncan | $1,514 |
| Eagar | $1,677 |
| Eden | $1,597 |
| Ehrenberg | $2,039 |
| El Mirage | $1,554 |
| Elfrida | $1,524 |
| Elgin | $1,592 |
| Eloy | $1,699 |
| Flagstaff | $1,587 |
| Florence | $1,628 |
| Flowing Wells | $1,513 |
| Forest Lakes | $2,109 |
| Fort Apache | $2,108 |
| Fort Defiance | $2,141 |
| Fort Huachuca | $1,558 |
| Fort McDowell | $1,680 |
| Fort Mohave | $1,461 |
| Fort Thomas | $2,117 |
| Fort Valley | $1,504 |
| Fortuna Foothills | $1,339 |
| Fountain Hills | $1,636 |
| Fredonia | $1,435 |
| Gadsden | $2,061 |
| Ganado | $1,523 |
| Gila Bend | $1,632 |
| Gilbert | $1,555 |
| Glendale | $1,592 |
| Globe | $1,503 |
| Gold Canyon | $1,634 |
| Golden Valley | $1,531 |
| Goodyear | $1,491 |
| Grand Canyon | $1,445 |
| Gray Mountain | $2,106 |
| Greasewood | $1,497 |
| Green Valley | $1,333 |
| Greer | $2,205 |
| Guadalupe | $1,642 |
| Hackberry | $1,478 |
| Happy Jack | $1,478 |
| Hayden | $1,873 |
| Heber | $1,634 |
| Hereford | $1,638 |
| Higley | $2,131 |
| Holbrook | $1,484 |
| Hotevilla | $1,435 |
| Houck | $2,117 |
| Huachuca City | $1,545 |
| Hualapai | $2,094 |
| Humboldt | $2,121 |
| Hunter Creek | $1,548 |
| Icehouse Canyon | $1,516 |
| Jerome | $1,507 |
| Joseph City | $1,516 |
| Kachina Village | $1,503 |
| Kaibeto | $1,448 |
| Kaka | $1,595 |
| Kayenta | $1,440 |
| Keams Canyon | $1,467 |
| Kearny | $1,688 |
| Kingman | $1,592 |
| Kirkland | $1,566 |
| Kykotsmovi Village | $1,467 |
| Lake Havasu City | $1,486 |
| Lake Montezuma | $2,099 |
| Lakeside | $1,591 |
| Laveen | $1,616 |
| Leupp | $1,489 |
| Linden | $1,605 |
| Litchfield Park | $1,528 |
| Littlefield | $1,447 |
| Low Mountain | $1,439 |
| Lower Santan Village | $1,537 |
| Lukachukai | $1,559 |
| Luke AFB | $1,552 |
| Lukeville | $1,610 |
| Lupton | $2,125 |
| Mammoth | $1,622 |
| Many Farms | $1,523 |
| Marana | $1,484 |
| Marble Canyon | $1,482 |
| Maricopa | $1,630 |
| Mayer | $1,538 |
| McNary | $2,201 |
| McNeal | $1,544 |
| Meadview | $1,478 |
| Mesa | $1,636 |
| Mescal | $1,507 |
| Miami | $1,520 |
| Moenkopi | $1,393 |
| Mohave Valley | $1,528 |
| Morenci | $1,501 |
| Mormon Lake | $1,518 |
| Morristown | $1,535 |
| Mount Lemmon | $1,649 |
| Mountainaire | $1,505 |
| Munds Park | $2,121 |
| Naco | $2,100 |
| Nazlini | $2,147 |
| New Kingman-Butler | $1,390 |
| New River | $1,604 |
| Nogales | $1,525 |
| North Rim | $1,430 |
| Nutrioso | $2,201 |
| Oatman | $1,494 |
| Oracle | $1,625 |
| Oro Valley | $1,090 |
| Overgaard | $1,681 |
| Page | $1,398 |
| Palo Verde | $1,577 |
| Paradise Valley | $1,773 |
| Parker | $1,450 |
| Parker Strip | $1,433 |
| Parks | $2,084 |
| Patagonia | $1,551 |
| Paulden | $1,511 |
| Payson | $1,515 |
| Peach Springs | $1,582 |
| Pearce | $1,512 |
| Peoria | $1,520 |
| Peridot | $1,607 |
| Petrified Forest National Park | $1,652 |
| Phoenix | $1,810 |
| Picacho | $2,244 |
| Picture Rocks | $1,480 |
| Pima | $1,556 |
| Pine | $1,602 |
| Pinedale | $2,179 |
| Pinetop | $1,618 |
| Pirtleville | $2,087 |
| Polacca | $1,446 |
| Pomerene | $2,109 |
| Portal | $1,495 |
| Poston | $1,990 |
| Prescott | $1,467 |
| Prescott Valley | $1,424 |
| Quartzsite | $1,444 |
| Queen Creek | $1,547 |
| Rainbow City | $1,633 |
| Red Rock | $1,630 |
| Red Valley | $2,163 |
| Rillito | $2,127 |
| Rimrock | $1,458 |
| Rincon Valley | $1,476 |
| Rio Rico | $1,539 |
| Rio Verde | $1,639 |
| Rock Point | $2,143 |
| Roll | $1,491 |
| Roosevelt | $1,618 |
| Round Rock | $2,149 |
| Sacaton | $2,228 |
| Saddlebrooke | $1,449 |
| Safford | $1,528 |
| Sahuarita | $1,419 |
| Saint David | $1,546 |
| Saint Johns | $1,639 |
| Saint Michaels | $2,132 |
| Salome | $1,458 |
| San Carlos | $1,640 |
| San Luis | $1,327 |
| San Manuel | $1,618 |
| San Simon | $1,495 |
| San Tan Valley | $1,577 |
| Sanders | $2,138 |
| Sasabe | $2,152 |
| Sawmill | $2,149 |
| Scottsdale | $1,703 |
| Second Mesa | $1,431 |
| Sedona | $1,466 |
| Seligman | $1,586 |
| Sells | $1,612 |
| Shonto | $1,474 |
| Show Low | $1,612 |
| Sierra Vista | $1,555 |
| Sierra Vista Southeast | $1,566 |
| Skull Valley | $2,125 |
| Snowflake | $1,567 |
| Solomon | $2,120 |
| Somerton | $1,339 |
| Sonoita | $1,524 |
| South Tucson | $1,532 |
| Springerville | $1,697 |
| Stanfield | $1,700 |
| Strawberry | $1,602 |
| Summit | $1,480 |
| Sun City | $1,510 |
| Sun City West | $1,455 |
| Sun Lakes | $1,531 |
| Sun Valley | $2,090 |
| Supai | $1,428 |
| Superior | $1,625 |
| Surprise | $1,480 |
| Swift Trail Junction | $1,550 |
| Tacna | $2,012 |
| Tanque Verde | $1,575 |
| Taylor | $1,587 |
| Teec Nos Pos | $1,547 |
| Tempe | $1,675 |
| Temple Bar Marina | $2,121 |
| Thatcher | $1,515 |
| Tolleson | $1,564 |
| Tombstone | $1,519 |
| Tonalea | $1,431 |
| Tonopah | $1,601 |
| Tonto Basin | $1,572 |
| Topawa | $2,162 |
| Topock | $1,523 |
| Tortilla Flat | $2,247 |
| Tsaile | $1,565 |
| Tuba City | $1,390 |
| Tubac | $1,509 |
| Tucson | $1,526 |
| Tucson Estates | $1,538 |
| Tumacacori | $1,491 |
| Turkey Creek | $1,607 |
| Vail | $1,496 |
| Valencia West | $1,512 |
| Valentine | $2,130 |
| Valle Vista | $1,416 |
| Valley Farms | $2,230 |
| Verde Village | $1,424 |
| Vernon | $2,196 |
| Vicksburg | $1,471 |
| Waddell | $1,531 |
| Wall Lane | $1,369 |
| Wellton | $1,375 |
| Wenden | $2,045 |
| Whetstone | $1,539 |
| White Hills | $1,457 |
| White Mountain Lake | $1,613 |
| Whitecone | $2,109 |
| Whiteriver | $1,605 |
| Wickenburg | $1,465 |
| Wikieup | $2,093 |
| Willcox | $1,551 |
| Williams | $1,471 |
| Williamson | $1,485 |
| Willow Beach | $1,457 |
| Willow Valley | $1,524 |
| Window Rock | $2,144 |
| Winslow | $1,441 |
| Winslow West | $1,461 |
| Wittmann | $1,537 |
| Woodruff | $2,087 |
| Yarnell | $1,560 |
| Young | $1,608 |
| Youngtown | $1,579 |
| Yucca | $2,160 |
| Yuma | $1,349 |
| Rains | $1,603 |
| Ravenel | $1,872 |
| Red Bank | $1,176 |
| Red Hill | $2,162 |
| Reevesville | $1,477 |
| Rembert | $1,340 |
| Richburg | $1,163 |
| Richland | $2,169 |
| Ridge Spring | $1,281 |
| Ridgeland | $1,585 |
| Ridgeville | $1,535 |
| Ridgeway | $1,178 |
| Rion | $1,167 |
| Rock Hill | $1,322 |
| Roebuck | $1,060 |
| Round O | $1,535 |
| Rowesville | $1,351 |
| Ruby | $1,341 |
| Ruffin | $1,404 |
| Russellville | $2,494 |
| Saint Helena Island | $2,141 |
| Saint Matthews | $1,333 |
| Salem | $1,111 |
| Salley | $1,229 |
| Salters | $1,660 |
| Saluda | $1,263 |
| Sandy Springs | $1,235 |
| Sangaree | $1,713 |
| Sans Souci | $1,070 |
| Santee | $1,405 |
| Saxon | $1,087 |
| Scotia | $1,538 |
| Scranton | $1,497 |
| Seabrook | $1,817 |
| Seabrook Island | $2,407 |
| Sellers | $1,611 |
| Seneca | $1,171 |
| Seven Oaks | $1,156 |
| Sharon | $1,104 |
| Shaw AFB | $1,343 |
| Sheldon | $1,679 |
| Shell Point | $1,956 |
| Silverstreet | $1,263 |
| Simpsonville | $1,092 |
| Six Mile | $1,102 |
| Slater | $1,104 |
| Slater-Marietta | $1,039 |
| Smoaks | $1,351 |
| Smyrna | $1,110 |
| Socastee | $2,353 |
| Society Hill | $1,490 |
| South Congaree | $1,198 |
| South Sumter | $1,299 |
| Southern Shops | $1,093 |
| Spartanburg | $1,064 |
| Springdale | $1,221 |
| Springfield | $1,289 |
| St. Andrews | $1,158 |
| St. George | $1,499 |
| St. Stephen | $1,618 |
| Starr | $1,178 |
| Startex | $1,068 |
| State Park | $2,216 |
| Sullivan's Island | $3,114 |
| Summerton | $1,451 |
| Summerville | $1,670 |
| Sumter | $1,325 |
| Sunset | $1,051 |
| Surfside Beach | $3,115 |
| Swansea | $1,207 |
| Tamassee | $1,185 |
| Tatum | $1,486 |
| Taylors | $1,075 |
| Tega Cay | $1,083 |
| Tillman | $1,543 |
| Timmonsville | $1,462 |
| Townville | $1,172 |
| Travelers Rest | $1,093 |
| Trenton | $1,245 |
| Troy | $1,201 |
| Turbeville | $1,400 |
| Ulmer | $1,319 |
| Una | $2,115 |
| Union | $1,219 |
| Utica | $1,174 |
| Valley Falls | $1,083 |
| Vance | $1,394 |
| Varnville | $1,475 |
| Vaucluse | $1,263 |
| Wade Hampton | $1,077 |
| Wadmalaw Island | $1,995 |
| Wagener | $1,248 |
| Walhalla | $1,150 |
| Wallace | $1,480 |
| Walterboro | $1,460 |
| Ward | $1,256 |
| Ware Shoals | $1,177 |
| Warrenville | $1,270 |
| Waterloo | $1,157 |
| Watts Mills | $1,159 |
| Wedgefield | $1,339 |
| Welcome | $1,091 |
| Wellford | $1,064 |
| West Columbia | $1,192 |
| West Pelzer | $1,124 |
| West Union | $1,168 |
| Westminster | $1,184 |
| Westville | $1,255 |
| White Rock | $1,239 |
| White Stone | $2,095 |
| Whitmire | $1,204 |
| Wilkinson Heights | $1,321 |
| Williams | $1,504 |
| Williamston | $1,134 |
| Williston | $1,272 |
| Windsor | $1,246 |
| Winnsboro | $1,164 |
| Winnsboro Mills | $1,164 |
| Woodfield | $1,200 |
| Woodruff | $1,075 |
| Yemassee | $1,533 |
| York | $1,079 |
Home and auto insurance bundling in Arizona
What is one way by which you can decrease the rate of homeowners insurance in AZ? It is by bundling your home and auto insurance policies. Buying both policies from the same insurer can lower the Arizona home insurance rates.
| Average annual rate (without bundling) | Average annual rate (with bundling) | Yearly savings (in $) | Yearly savings (in %) |
|---|---|---|---|
| $1,602 | $1,434 | $168 | 10% |
Home Insurance Discounts in Arizona
Using the discounts provided by the insurers is the ideal way by which you can lower the rate of Arizona home insurance. However, remember that not all insurers will provide every possible discount. Therefore, before purchasing a home insurance policy in Arizona, you must check the available discounts. Additionally, make sure to only purchase discounts for which you are eligible.
| Insurer | Bundling Discounts | Loyalty Discounts | Military Discounts | New Home Credit Discounts | Claim-Free Discounts | Protective Devices Discounts |
|---|---|---|---|---|---|---|
| Farmers | ✓ | ✓ | - | ✓ | ✓ | ✓ |
| Allstate | ✓ | ✓ | - | ✓ | ✓ | - |
| State Farm | ✓ | - | - | - | ✓ | ✓ |
| USAA | ✓ | ✓ | ✓ | - | ✓ | ✓ |
| Nationwide | ✓ | - | - | ✓ | ✓ | ✓ |
| Liberty Mutual | ✓ | - | - | - | - | - |
| Progressive | ✓ | - | - | ✓ | - | ✓ |
| Amica | ✓ | - | - | ✓ | ✓ | ✓ |
| Chubb | ✓ | - | - | ✓ | ✓ | ✓ |
| Lemonade | ✓ | ✓ | - | - | ✓ | |
| American Family | ✓ | ✓ | - | ✓ | - | ✓ |
Comparing Common Features Across Top Companies
Are you looking for the ideal Arizona home insurance? Then you must consider these features before deciding on one.
| Insurer | Identity Theft Protection | Valuable Possessions | Water Backup | Other Structures Coverage | Dwelling /Personal Property Replacement |
|---|---|---|---|---|---|
| Farmers | Optional | ✓ | No | Optional | Optional |
| Allstate | Optional | Optional | Optional | ✓ | Optional |
| State Farm | Optional | Optional | Optional | ✓ | Optional |
| USAA | ✓ | Optional | No | ✓ | ✓ |
| Nationwide | Optional | Optional | Optional | ✓ | Optional |
| Liberty Mutual | Optional | Optional | Optional | ✓ | Optional |
| Progressive | No | Optional | Optional | ✓ | ✓ |
| Amica | Optional | Optional | Optional | ✓ | Optional |
| Chubb | Optional | Optional | ✓ | ✓ | ✓ |
| Lemonade | No | Optional | Optional | ✓ | ✓ |
| American Family | ✓ | Optional | Optional | ✓ | No |
Common Causes of Home Insurance Claims in Arizona
There aren't many different types of disasters that frequently strike Arizona. However, homeowners in Arizona typically have to deal with extreme storms, floods, and flames. In Arizona, thunderstorms frequently occur, especially during the monsoon season. These storms can cause flooding, and lightning from them can start fires
Arizona's extreme heat and the recent severe drought created the ideal conditions for devastating wildfires. So, a homeowner must have an Arizona home insurance policy to get enough protection in case of these disasters.
Natural disaster coverage in Arizona
Does homeowners insurance cover fires in Arizona?
Yes. Every standard home insurance policy in Arizona includes coverage for fire damage. Therefore, your Arizona home insurance policy would pay the damage to your property up to the policy limits if a fire destroyed your house. Your home insurance policy may also cover additional living expenses if your house is judged uninhabitable.
Intentional damage (arson) and damage to an empty home are fire-related damages that your home insurer does not cover. Therefore, if you reside in a high-risk location, you must check with your insurer to ensure they cover damage caused by wildfires.
Does homeowners insurance cover flooding in Arizona?
No. Insurance policies for homeowners in Arizona do not cover flood damage. Instead, get insurance via the National Flood Insurance Program (NFIP) of FEMA or a commercial insurer to protect your Arizona property from flood damage.
Private flood insurance policies may offer different coverage; however, NFIP flood insurance includes the following coverages.
- Your home's structure - $250,000
- Personal property - $100,000
Factors that Affect Home Insurance Rates in Arizona
Before buying homeowners in AZ, you must consider these factors. These can significantly impact the rate of your Arizona home insurance.
- Your location: Homes in high-crime areas in Arizona will pay more for a homeowners insurance
- Replacement cost: The cost of constructing materials and labor in your community may impact your house insurance premium.
- Age/condition: Insurance costs are cheaper for newer, well-kept homes than for older ones.
- Claims history: Insurance premiums are usually higher for homeowners with a history of filing home insurance claims.
- Credit history: Many insurers consider your credit score as a factor. Homeowners with poor credit typically pay higher premiums.
- Dog breed: If you buy a dog your insurer deems to be a 'dangerous breed,' be prepared to pay a higher Arizona home insurance premium.
Tips for Buying Homeowners Insurance
- Assess your rebuilding costs: Find out how much it would cost to rebuild your home using local labor and reasonable material prices by asking your insurance agent or a reputable builder.
- Review the advantage of replacement cost over actual cash value: Consider purchasing replacement cost coverage for your home and personal belongings.
- Consider add-on coverage for your expensive items: If you own expensive stuff like high-end electronics, sporting goods or musical instruments, or even antiques, you might want to schedule personal property to cover them.
- Evaluate your liability coverage needs: Determine the amount of liability insurance you need.
- Assess coverage gaps: Some home insurers offer extra benefits, such as higher coverage limits for landscaping items like trees and bushes. It offers protection in case customers sustain damage as a result of a covered incident or helps with the cost of repairing damage from sewage or water backups.
- Check financial ratings: Check the insurer ratings provided by agencies like AM Best and Standard & Poor's. For example, some companies might not let you get a mortgage if your insurer doesn't have a minimum financial strength rating of 'A.'
- Ask for discounts: Ensure you're utilizing all the discounts you are eligible for. For instance, if your house has specific security features or if you have your home and auto insurance from the same insurer, you may qualify for a discount.
- Compare quotes from multiple insurance companies: The price of a single Arizona home insurance policy might vary significantly between insurance companies. So, always ensure to compare the quotes from different insurers.
Most Common Disasters in Arizona
These are the most commonly reported disasters in the state. Unfortunately, these can greatly impact the rate of home insurance in Arizona.
- Wildfires
- Flooding
- Severe storms
- Hurricanes and tropical storms
- Burglary and other property crimes
Disasters by Month and Year in Arizona
According to FEMA (Federal Emergency Management Agency), disasters are more likely to occur when spring gives way to summer. In Arizona, June is the busiest month for disasters, accounting for 42 of the 98 declared disasters since 1953. July and May follow with 11 and 10.
Disasters by month
| Month | Number of disasters |
|---|---|
| January | 3 |
| February | 2 |
| March | 4 |
| April | 6 |
| May | 10 |
| June | 42 |
| July | 11 |
| August | 3 |
| September | 4 |
| October | 6 |
| November | 4 |
| December | 3 |
Disasters by year
According to FEMA, Arizona residents experienced 3.2 declared disasters per year over the past 20 years. The most declared disasters occurred in 2020, which tied 2005 for the highest with nine. The fire was the main reason behind the disasters in both years.
| Year | Number of disasters |
|---|---|
| 2001 | 0 |
| 2002 | 6 |
| 2003 | 4 |
| 2004 | 2 |
| 2005 | 9 |
| 2006 | 5 |
| 2007 | 0 |
| 2008 | 1 |
| 2009 | 3 |
| 2010 | 6 |
| 2011 | 3 |
| 2012 | 0 |
| 2013 | 4 |
| 2014 | 2 |
| 2015 | 2 |
| 2016 | 1 |
| 2017 | 3 |
| 2018 | 4 |
| 2019 | 2 |
| 2020 | 9 |
How to Get Arizona Home Insurance with Way.com
An average homeowners insurance in Arizona costs you around $1,602 yearly. But do you want to buy a cheaper Arizona home insurance? That's where Way.com help you by finding the best home insurance companies in Arizona.
You can visit our website or app to find low-cost Arizona home insurance rates. Visit Way, find multiple insurance quotes, and compare and buy the cheapest one. Furthermore, our Arizona insurance agents can help you understand the state's complex home insurance laws, terms, coverages, and discounts. Therefore, contact our agents if you're looking for affordable Arizona homeowners insurance.
Home Insurance Data Methodology
The home insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.
Quotes are typically based on a full coverage policy average unless otherwise noted within the content.
These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with way.com
FAQs
What is the average homeowners insurance in Arizona?
On average, an Arizona home insurance costs you $1,602 annually.
What is the best Arizona homeowners insurance?
With an average annual rate of $875, USAA offers the best homeowners insurance in AZ.
How do I get homeowners insurance in Arizona?
You can start by finding quotes from various insurance providers if you want to purchase homeowners insurance in Arizona. In addition, many insurers offer the option to get quotes online. Still, you can also contact the insurance company directly or go to a nearby agency. Companies will also request information on your home, such as its age, areas, roof style, and whether you've made upgrades, in addition to personal information.
How do I find out if I am at risk of flood damage?
Get in touch with your neighborhood emergency management office, building department, or floodplain management office to learn more about flooding. Request to see your neighborhood's flood map. Your neighborhood may have a forecasted flood elevation. You can use this information to estimate how much water is likely to enter.
How much is home insurance in Arizona?
Arizona home insurance costs you $1,602 annually.
Which is the cheapest home insurance company in Arizona?
With an average annual rate of $875, USAA offers the cheapest Arizona homeowners insurance.
Access your digital insurance card through the app. You no longer need to carry your physical insurance card with you.
Receive reminders before your renewal. Way.com will also send new quotes from up to 45 insurance companies with your renewal reminder.
Keep everyone on your policy up to date by sharing your insurance information.
Make changes to your policy right from the app (coming soon) and ask for expert advice.
Get the App:
Find the best home insurance rates on-the-go
For the best user experience, please download our Way app.
or
