Tucson Homeowners Insurance

The Zebra
Aug. 26, 2019

Find affordable homeowners insurance in Tucson


Home insurance should be a critical consideration for every homeowner. It covers your dwelling — and the personal property within it — against a variety of perils, including fire, theft, vandalism, or wind damage. With the relative frequency of such perils -- along with the high cost of rebuilding or repairing a home -- having a home insurance policy is a sound investment.

The cost of homeowners insurance coverage is dependent on a number of factors. These include the following: dwelling value, value of your personal belongings, and the cost of the materials used to build your home. The location of your home can also play a large role in home much you pay for homeowners insurance. Some areas are more susceptible to perils like fire, hail, frozen pipes, volcanoes, or other hazards. These can make your insurance policy even more expensive. Learn more info about what your homeowners insurance policy covers.

If you want to find cheaper homeowners insurance in Tucson, start with looking around and comparing a variety of different policies. Check out the below summary of average homeowners insurance premiums in Tucson to begin your home insurance search with as much knowledge as you can. One thing to note is that the yearly cost of homeowners coverage is determined based on your chosen coverage limits as well as a number of other rating factors.


Tucson, Arizona, homeowners insurance:
  1. Rates by company
  2. Rates by coverage level
  3. Rates by ZIP code
  4. Insurance bundle discounts

Home insurance in Tucson by insurance company

Tucson homeowners insurance rates will vary depending on which insurance company you choose. The most affordable home insurance in Tucson is CSAA offering average annual rates at just $655 per year. This is considerably cheaper than the city’s average homeowners premium of $1,195.

Below you'll find a list of the cheapest homeowners insurance companies in Tucson, Arizona to help you start your search.


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 level

The level of home coverage you select has an impact on the insurance premiums you pay. In Tucson, carrying $200K dwelling coverage costs an average of $887, while carrying additional coverage up to $400K costs $1,440/year.


HOMEOWNERS INSURANCE RATES IN TUCSON — POPULAR COVERAGE LIMITS
Coverage LevelAverage Annual Rate
$200K Dwelling$887
$400K Dwelling$1,440

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Tucson home insurance prices by ZIP code

Not every area of Tucson has equal home insurance premiums. The amount of claims filed in your local area can be a factor in determining the price of your policy. Put simply, where you live could have a huge impact in what you pay for home insurance.

The cheapest home insurance rates in Tucson are 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 ZIP CODES FOR HOMEOWNERS INSURANCE IN TUCSON
ZIP CodeAverage Annual Home Insurance Rate
85739$1,067
85747$1,103
85749$1,113

Some parts of Tucson, however, have home insurance rates that are higher on average. These parts of town could be more susceptible to perils such as theft, severe weather, or fires that present more risk for insurance companies. With an annual average premium of $1,273, 85713 comes in as the priciest 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



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Looking for a money-saving tip for insurance in Tucson? Try bundling

If you’re searching for savings on your overall insurance costs, consider purchasing your home and auto policies from the same insurance company. Bundling your homeowners and auto insurance can be a good money-saving option. By bundling your policies, Tucson homeowners could see annual savings of 16% on average.


CHEAPEST AUTO INSURANCE RATES WITH HOME BUNDLE IN TUCSON
CompanyAvg. Annual Auto Insurance Rate (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. Call 855-493-9728 to speak with an insurance expert today.


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