Arizona Homeowners Insurance

Shopping for homeowners insurance doesn’t need to be complicated. Compare Arizona rates by city and carrier below.

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Find cheap homeowners insurance in Arizona


Home insurance is an optional but important insurance coverage. It keeps your investment insured in the event your house suffers damage from a common incident. A home insurance policy covers your house and property in the event of a variety of circumstances, including wind damage, fire, theft, vandalism, and more.

Major gaps exist in home insurance rates on a state-by-state basis. Home insurance rates in US states diverge based on the number and value of homeowners policy claims filed across the state, and depend on the value of the belongings and structures covered by the policy.

The easiest way to find an affordable homeowners insurance policy in Arizona is to view prices from as many companies as possible. Find out home insurance rates in Arizona by referencing the below data. Individual rates may vary depending on coverage options and the value of the dwelling being insured.


Arizona home insurance:
  1. Rates by company
  2. Rates by city
  3. How to bundle home and auto insurance


Homeowners insurance rates in Arizona by carrier

Home insurance prices in Arizona can vary depending on which insurance company you choose. ACA offers the cheapest home insurance in Arizona — $713 per year. This compares favorably to the state's average cost of $1,283, offering a $569 price cut on average policy costs statewide.

Start your search for affordable coverage by reviewing the best Arizona companies, detailed below.


HOME INSURANCE RATES IN ARIZONA: BY CARRIER
InsurerAverage Annual Rate in Arizona
ACA$713.23
Farm Bureau$903.97
Safeco$954.99
State Farm$1,001.05
Travelers$1,013.29


If you're not interested in home insurance by a standard carrier, consider Hippo. Hippo automated the home insurance process in order to give you modernized coverage. Click below to get started.



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Arizona home insurance costs by city

Not all Arizona cities have the same home insurance rates. Pricing depends on city-specific variables like the number of local claims filed, giving your ZIP code weight in deciding how much you pay.

The cheapest homeowners insurance in Arizona is available in Oro Valley. The average homeowners insurance policy in Oro Valley runs only $1,078 each year — $205 less than the average homeowners policy in other Arizona cities. The below cities have the most affordable home insurance in Arizona.

AFFORDABLE HOME INSURANCE BY CITY IN ARIZONA
City
Average 12-Month Home Insurance Rate
Oro Valley
$1,078.00
Sierra Vista
$1,137.24
Catalina Foothills
$1,138.27
Casas Adobes
$1,154.39
Peoria
$1,206.66

 

Arizona insurance bundling discounts: home and auto

If you’re seeking ways to save on your insurance expenditures, consider buying your home and auto policies from the same insurance company. Bundling auto and home insurance in Arizona can save you a substantial sum each month on auto insurance. Purchasing bundled policies in Arizona leads to a yearly discount of $156.

HOME AND AUTO INSURANCE BUNDLING DISCOUNTS IN ARIZONA
Avg. Annual Auto Insurance Rate (No Bundle)
Avg. Yearly Auto Insurance Rate (Bundle)
Annual Bundle Savings
Bundle Savings %
$1,247.00
$1,091.00
$156.00
14%

One of the best ways to save on auto insurance is to bundle your policies. Find a policy today!

Compare rates from top car insurance companies.

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Home insurance and 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 (https://www.iii.org/fact-statistic/facts-statistics-wildfires)