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Homeowners insurance is an optional — but important — product that works to keep your belongings safe in the event your house or property suffers damage from common incidents. A home insurance policy covers your home and your items in the event of a number of calamities, including fire, theft, vandalism, or wind damage.
Unlike car insurance, homeowners insurance isn't priced based on state-level laws. That said, major differences exist in home insurance rates from state to state. Homeowners costs in states may differ based on the number of — and value of — homeowners policy claims filed across the state, and depend on the value of the dwelling and belongings being insured.
The best way to get a cheap homeowners insurance policy in Arizona is to shop around and compare rates from a variety of insurance companies. Get an idea of homeowners insurance costs in Arizona by reviewing the below data. Individual rates may vary depending on coverage options and the value of the dwelling being insured.
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.
Begin your search for a home insurance policy by checking out the cheapest Arizona insurance companies, listed below.
|Insurance Company||Average Yearly Rate in Arizona|
Not all Arizona cities have the same home insurance rates. Rates are determined based on 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.
|City||Average Yearly Home Insurance Rate|
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/year.
|Coverage Level||Average Annual Premium|
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.
|Deductible Tier||Average Annual Homeowners Insurance Rate|
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.
|Avg. Annual Auto Insurance Rate (No Bundle)||Avg. Annual Auto Insurance Rate (Bundle)||Annual Bundle Savings||% Savings with Bundle|
Bundling home and auto policies is a great way to save. Compare rates today!
Looking for info on homeowners insurance in a specific city? Check out our breakdown of populous Arizona cities:
While there is no state law, you are required by any mortgage company to keep acceptable homeowners insurance. Even if you don't, it's generally a good idea to protect your assets.
Yes - GEICO provides home insurance in Arizona as well as renters, car, and other forms of insurance.
There are a lot of companies which sell insurance for manufactored homes in Arizona. I recommend shopping with a company that can offer you a multi-policy discount if you have any other insurable interests. Outside of this, Foremost is a major provider for manufactored homes.
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 (https://www.iii.org/fact-statistic/facts-statistics-wildfires)