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Arizona homeowners insurance: what you need to know

The average cost of home insurance in Arizona is $1,283 per year (about $107 per month). While this is less than the national average, Arizonans should still be sure to get quotes from as many insurance companies as possible to ensure they receive the best price.

Unlike car insurance, homeowners insurance isn't controlled by state legislation. Even so, major gaps exist in home insurance rates on a state-by-state basis including Arizona. Policy prices in states may vary based on the total number and value of homeowners claims filed in that particular state, and depend on the value of the belongings and structures covered by the policy.

Get an idea of homeowners insurance costs in Arizona by reviewing the below data. 

 
Table of contents:
  1. Rates by company
  2. Rates by coverage amount
  3. Rates by deductible amount
  4. Rates by city
  5. Bundling savings
  6. Frequently asked questions
  7. Natural disaster coverage

 

The cheapest home insurance companies in Arizona

Home insurance prices in Arizona vary depending on the insurance company you use. ACA sells the cheapest home insurance in Arizona — just $713 each year. This is less than the state average price of $1,283, offering a $569 discount on average policy costs statewide. Individual rates may vary depending on coverage options and the value of the dwelling being insured.

Begin your search for a home insurance policy by checking out the cheapest Arizona home insurance companies, listed below.

 

AFFORDABLE HOME INSURERS IN ARIZONA
Insurance CompanyAverage Yearly Rate in Arizona
ACA$713
Farm Bureau$904
Safeco$955
State Farm$1,001
Travelers$1,013

 

Arizona home insurance prices by coverage levels

The amount of homeowners coverage you select has an impact on your insurance premiums. In Arizona, maintaining $100K dwelling coverage costs an average of $677 per year, while carrying dwelling coverage up to $400K costs $1,737 each year.

 

POPULAR COVERAGE LIMITS IN ARIZONA
Coverage LevelAverage Annual Cost
$100,000 Dwelling$677
$200,000 Dwelling$937
$250,000 Dwelling$1,229
$400,000 Dwelling$1,737

 

Homeowners insurance deductibles in Arizona

Arizona homeowners have a lot of decisions to make when shopping for a homeowners insurance policy, including how much their deductible should be. The deductible is the total dollar amount that the insured contributes toward a covered loss. The deductible level you choose can change how much you pay in insurance premiums.

When picking a deductible, remember that the higher your deductible is, the lower your insurance rates will be. This means that those seeking lower insurance costs will want to consider a higher homeowners deductible. Remember that your homeowners deductible should not be set at an amount that you would have difficulty paying in the event of a loss.

The chart below outlines the average rates affiliated with most deductibles.

 

HOMEOWNERS INSURANCE PREMIUMS BY DEDUCTIBLE IN ARIZONA
Deductible TierAverage Annual Homeowners Insurance Rate
$500$1,356
$1,000$1,229
$1,500$1,161
$2,000$1,090
$5,000$903

 

Arizona homeowners insurance costs by city

Not all Arizona cities have the same home insurance rates. Rates are determined based on city-specific variables like the number of claims filed in the immediate area, meaning your ZIP code could have a major impact on how much you pay.

The cheapest home insurance rates in Arizona are in Oro Valley. The average homeowners insurance policy in Oro Valley runs only $1,078 per year — $205 less than the statewide average. The below cities have the most affordable home insurance in Arizona.

 

CHEAPEST CITIES FOR HOMEOWNERS INSURANCE IN ARIZONA
CityAverage 12-Month Home Insurance Rate
Oro Valley$1,078
Sierra Vista$1,137
Catalina Foothills$1,138
Casas Adobes$1,154
Peoria$1,207

 

Looking for info on homeowners insurance in a specific city? Check out our breakdown of populous Arizona cities:

  1. Chandler
  2. Gilbert
  3. Glendale
  4. Mesa
  5. Phoenix
  6. Scottsdale
  7. Tuscon

 

Home and auto insurance bundling in Arizona

To trim a few dollars from your insurance costs, consider purchasing both your car and home insurance policies from one company. A home and car insurance bundle in Arizona can lead to substantial savings on car insurance. Purchasing bundled policies in Arizona leads to average annual savings of $156.

 

HOME AND AUTO BUNDLING DISCOUNTS IN ARIZONA

Avg. Annual Rate (No Bundle)

Avg. Annual Rate (w/ Bundle)

Annual Savings ($)

Annual Savings (%)

$1,247$1,091$15614%

 


 

Arizona homeowners insurance FAQs

 

Does a homeowner in Arizona need to carry insurance?

While there is no state law requiring home insurance, most mortgage agreements will dictate that you maintain coverage. Even if yours doesn't, it's generally a good idea to protect your assets.

Does GEICO have homeowners insurance in Arizona?

Yes — GEICO provides home insurance in Arizona as well as renters, car, and other forms of insurance.

 


 

Natural disaster coverage in Arizona

 

Does homeowners insurance cover fires in Arizona?

Fire damage is covered by every standard home insurance policy in the state of Arizona. If a fire destroyed your home, your homeowners insurance company would cover the damage to your property up to your policy limits. The prevalence of wildfires in Arizona underlines the importance of sufficient homeowners insurance: 8% of Arizona households are considered at risk of suffering damage from a wildfire, and 165,356 acres were burned in the state in 2018.*

In addition to paying for damages — up to your policy limits — your home insurance policy may cover additional living expenses if your home is deemed unlivable. Fire-related damages that will not be covered by your home insurance provider is intentional damage (arson) or damage to a vacant home. It's worth contacting your insurance company to confirm it covers wildfire-related damage, especially if you live in a high-risk area.

*Source: Insurance Information Institute

 

Does homeowners insurance cover flooding in Arizona?

Flood damage is not covered by homeowners insurance policies. To insure your Arizona home against flood damage, acquire insurance through FEMA's National Flood Insurance Program (NFIP) or via a private insurer. 

Flood insurance coverage from private companies may vary, but NFIP flood insurance covers:

  • $250,000 for your home’s structure
  • $100,000 for your personal property

If the value of your personal property and home exceeds these limits, consider purchasing a flood insurance policy from our partners at Neptune for additional protection.

*Source: Federal Emergency Management Agency (FEMA)

Find an affordable homeowners policy in Arizona today!

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Ross Martin
Ross MartinManager, Content Quality

As a licensed insurance agent, Ross researches and writes insurance content intended to help users make informed decisions.

Ross's background is in writing and education. He holds a master's degree from Royal Holloway, University of London. Ross has been quoted by CNET, iDriveSafely.com and Kin Insurance, and his work has been cited by Car and Driver.

About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.

  • The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.

  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.

  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.