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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 typical American homeowners insurance rate, Arizonans should still get quotes from as many 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:
- Rates by company
- Rates by coverage amount
- Rates by deductible amount
- Rates by city
- Bundling savings
- Frequently asked questions
- Natural disaster coverage
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. You can also see our list of home insurers consumers rated the best for customer satisfaction.
AFFORDABLE HOME INSURERS IN ARIZONA
|Average Yearly Rate in Arizona
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
|Average Annual Cost
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
|Average Annual Homeowners Insurance Rate
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
|Average 12-Month Home Insurance Rate
Looking for info on homeowners insurance in a specific city? Check out our breakdown of populous Arizona cities:
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 (%)
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.
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.
Find an affordable homeowners policy in Arizona today!
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 editorial 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.