Explore expert tips on how to find affordable home insurance in Tucson, Arizona.
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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. The average homeowners policy costs $100 per month in Tucson, Arizona. This is lower than what the typical American pays for home insurance.
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: costs may vary based on your coverage limits and other homeowners insurance factors.
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. Then, see our guide ranking the best home insurance carriers by customer satisfaction, third-party ratings, and other factors.
|Company||Average Annual Rate|
|Iowa Farm Bureau||$814|
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.
|Coverage Level||Average Annual Rate|
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.
|ZIP Code||Average Annual Home Insurance Rate|
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.
|ZIP Code||Average Annual Home Insurance Rate|
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.
|Deductible Level||Average Annual Homeowners Insurance Rate|
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%.
|Company||Avg. Annual Auto Insurance Rate (With Bundle)|
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.