Tucson, AZ Homeowners Insurance

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How to find affordable homeowners insurance in Tucson

 

One of the most important aspects of homeownership is home insurance. Along with your personal belongings, homeowners insurance covers your dwelling in the event of many perils, including theft, fire, wind damage, and vandalism. Given the relatively frequent occurrence of these incidents and the significant cost of replacing a home, having a home insurance policy is a solid investment.

What you pay for homeowners insurance factors in variables such as the cost of building materials, the value of your personal belongings, and the overall value of the primary dwelling. The location of your home also contributes to the price of your homeowners insurance policy. In areas prone to perils like frozen pipes, hail, windstorms, or wildfires, home insurance rates may be higher to account for the extra risk. Discover more info about what a home insurance policy covers.

If you want to find cheap homeowners insurance in Tucson, start with looking around and comparing a variety of different policies. Take a look at the summary below showing average Tucson homeowners insurance rates to ensure you start your search with as much background info as possible. Remember: your homeowners insurance costs may vary based on your coverage limits and other factors.

 
Tucson, Arizona, homeowners insurance — table of contents:
  1. Rates by insurer
  2. Rates by coverage amount
  3. Rates by neighborhood
  4. Rates by deductible level
  5. Bundling discounts

 

Homeowners insurance in Tucson by company

Homeowners insurance rates in Tucson vary from one insurance company to another. CSAA offers the most affordable home insurance in Tucson, at just $655 per year. This compares favorably to the city’s average homeowners premium of $1,195.

To get started with your homeowners insurance policy search, take a look at this list of the cheapest companies in Tucson, Arizona.

 
AFFORDABLE HOMEOWNERS INSURANCE COMPANIES IN TUCSON
CompanyAverage Annual Rate
CSAA$655
Liberty$787
Iowa Farm Bureau$814
State Farm$899
Metropolitan$1,148

 

Average homeowners insurance costs in Tucson by coverage levels

The level of homeowners coverage you select has an impact on your insurance rates. In Tucson, carrying $200K dwelling coverage costs an average of $887, while carrying additional coverage up to $400K costs $1,631/year.

 
HOMEOWNERS INSURANCE RATES IN TUCSON — POPULAR COVERAGE LIMITS
Coverage LevelAverage Annual Rate
$100,000 Dwelling$646
$200,000 Dwelling$887
$250,000 Dwelling$1,153
$400,000 Dwelling$1,631

 

Tucson home insurance prices by ZIP code

Home insurance costs can vary depending on what area of Tucson in which you live. The number of claims filed in your local area can be a factor in determining the price of your policy. Put simply, the neighborhood you live in could have a huge impact on what you pay for homeowners insurance.

The cheapest home insurance rates in Tucson is available in 85739. In 85739, the typical home insurance policy costs $1,067 per year — $128 less than the citywide average in Tucson. The below table shows the best places to live in Tucson if you’re looking for affordable homeowners insurance.

 
AFFORDABLE AREAS FOR HOMEOWNERS INSURANCE IN TUCSON
ZIP CodeAverage Annual Home Insurance Rate
85739$1,067
85747$1,103
85749$1,113

On the other hand, some areas of Tucson face higher homeowners insurance costs on average. Crime rates, fire risk, and even your how close you are to emergency services could lead insurance companies to see certain neighborhoods as higher risk, which could drive up area rates. With an annual average premium of $1,273, 85713 comes in as the costliest ZIP code in Tucson for home insurance.

 
EXPENSIVE AREAS FOR HOMEOWNERS INSURANCE IN TUCSON
ZIP CodeAverage Annual Home Insurance Rate
85713$1,273
85736$1,270
85716$1,269

 

Homeowners insurance deductibles in Tucson

Among the plethora of decisions faced by homeowners when buying a homeowners insurance policy is how high or low to set the deductible. A deductible is an amount for which a homeowner is responsible before the insurer will cover a claim. Choosing where to set your deductible can have a major impact on how much you pay for your coverage.

When choosing a deductible, keep in mind that the higher your deductible is, the lower your premiums will be. As such, if you want your insurance rates to remain low, aim for a higher deductible. It's worth remembering that your deductible should only be as high as you can reasonably pay in the event of a loss.

Below you'll find some popular deductibles offered by most home insurance companies alongside with related average insurance premiums.

 
HOME INSURANCE RATES BY DEDUCTIBLE LEVEL IN TUCSON
Deductible LevelAverage Annual Homeowners Insurance Rate
$500$1,275
$1,000$1,153
$1,500$1,084
$2,000$1,020
$5,000$838

 

Money-saving tip: bundle home and auto insurance in Tucson

If you’re seeking savings on your overall insurance costs, consider purchasing your home and auto policies from the same insurance company. Bundling home and auto insurance can save you a substantial sum each month on your auto insurance bill. Bundling policies in Tucson could, in fact, lead to average annual savings of 16%.

 
CHEAPEST CAR INSURANCE WITH A POLICY BUNDLE IN TUCSON
CompanyAvg. Annual Auto Insurance Rate (With Bundle)
GEICO$881
USAA$1,031
American Family$1,154
Progressive$1,157
State Farm$1,255
 

It's definitely worth considering bundling both your auto and home policies as a potential way of saving money.

 

Get a homeowners insurance quote today!

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Ava Lynch LinkedIn

Based in Austin, TX, Ava has been in the insurance industry as a licensed agent for 4-plus years. Ava is currently one of The Zebra’s resident property insurance experts and has been featured in publications such as US News Report, GasBuddy, and Yahoo! Finance.