Compare the best homeowners insurance companies in Arizona

With the average annual cost of home insurance in Arizona at approximately $2,000, it's crucial for homeowners to seek out providers that offer both value and comprehensive coverage. To assist in this search, we reviewed data from Quadrant Information Services, examining the leading insurance companies in Arizona based on market share. Our analysis went beyond simple statistics; we also considered AM Best financial strength ratings and customer satisfaction scores from J.D. Power's 2023 U.S. Home Insurance Study.

Additionally, we assessed the range of coverage options and the availability of discounts to help maximize affordability. We evaluated the user experience on each company's digital platforms, including websites and mobile apps. Each insurer was then given an Insurance Arizona Score, ranging from 0.0 to 5.0, to help Arizona homeowners identify the provider that best meets their specific needs.

*Home insurance rates often change, but with Insurance Arizona, you can count on receiving the most up-to-date options available.

How Insurance Arizona chose the best home insurance companies in Arizona

Our selection of the best homeowners insurance companies in Arizona was based on several key factors, combined with data from Quadrant Information Services, to create the Insurance Arizona Score. This score is designed to simplify and streamline your home insurance purchase.

The Insurance Arizona Score uses a five-point scale and is derived from our assessment of various factors, including average policy prices in Arizona and the range of endorsements and discounts each insurer offers. We also considered third-party evaluations of financial strength and customer service. Insurers with higher Insurance Arizona Scores are more likely to provide a strong policy for your property at competitive rates.

How to get cheap Arizona home insurance

No one wants to overpay for home insurance, and Arizona homeowners have several strategies to keep costs down. Here are some tips for finding affordable home insurance in Arizona:

• Shop Around: Don’t accept the first quote you receive. Comparing quotes from multiple insurers can reveal a wider range of options and potentially better rates.
• Improve Your Credit: Many insurers use your credit-based insurance score to determine your rate. A higher credit score, reflecting a history of timely payments, can help you secure a more favorable rate, while a lower score may lead to higher premiums due to perceived risk.
• Bundle Policies: Combining multiple policies, such as auto and home insurance, with the same company can often result in discounts for both.
• Maintain Your Roof: A well-maintained, newer roof can reduce the risk of costly claims and may lead to lower insurance rates.
• Increase Your Deductible: Raising your deductible can lower your premium, but only do this if you can comfortably cover the higher deductible amount in the event of a claim.

Best home insurance discounts in Arizona

You can often reduce your homeowners insurance costs by taking advantage of various discounts available from most insurers. Here are some common discounts offered in Arizona:

• Home Security: Installing safety devices like sprinkler systems or burglar alarms may qualify you for a discount.
• Payment-Based Discounts: Paying your premium on time or in full at the start of your policy term can sometimes earn you a discount.
• Claim-Free: Many insurers offer discounts to customers who remain claim-free for a specified period.
• Online Purchase: Purchasing your policy online instead of through an agent may qualify you for a small discount.
• New Home: If you’ve recently bought a new home or one built in the last few years, you might receive a discount.
• Advance Quote: Requesting a quote at least 10 days before your policy begins can sometimes lead to a discount.

Arizona homeowners insurance rates by city

In Arizona and elsewhere, homeowners insurance rates vary significantly from city to city. Factors like local weather conditions, crime rates, and the availability of emergency services can affect insurance costs in different areas. Use the map and searchable data table below to see how these rates change across the various communities and landscapes within Arizona.

The most affordable cities for homeowners insurance in Arizona include:

• Surprise: $1,616 annually — 19% below the state average
• Sun City West: $1,620 annually — 19% below the state average
• Vail: $1,632 annually — 18% below the state average
• Green Valley: $1,645 annually — 18% below the state average
• San Luis: $1,653 annually — 17% below the state average

The priciest cities for homeowners insurance in Arizona are:

• Parks: $2,655 annually — 33% above the state average
• Munds Park: $2,599 annually — 30% above the state average
• Gray Mountain: $2,573 annually — 29% above the state average
• Forest Lakes: $2,560 annually — 28% above the state average
• Greer: $2,526 annually — 26% above the state average

The rates listed are based on $300,000 in dwelling coverage.

What Does Home Insurance Include in Arizona?

In Arizona, homeowners insurance addresses specific challenges posed by the state's unique environment. While coverage can vary by policy, most standard homeowners insurance plans generally include the following protections:

• Dwelling Coverage: This protects the physical structure of your home, including walls, roof, and built-in appliances, against damage from various events like windstorms or hail.
• Personal Property Coverage: This covers your belongings inside the home, such as furniture, electronics, and clothing, against theft or damage.
• Liability Coverage: This provides protection if someone is injured on your property or if you or a family member causes damage to someone else's property, helping cover legal fees and damage costs.
• Medical Payments Coverage: This helps cover medical expenses for guests who are injured on your property, regardless of fault.
• Additional Living Expenses: This covers the extra costs of temporary housing and meals if your home becomes uninhabitable due to a covered event.

Additional home insurance coverage types in Arizona

When purchasing home insurance in Arizona, your policy will typically include standard coverage types such as dwelling, personal property, and liability. However, you may want to enhance your protection with additional endorsements and separate policies tailored to the unique risks in Arizona. Consider the following options for greater financial security:

• Flood Insurance: Standard home insurance policies usually do not cover flood damage. You may need to buy a separate flood insurance policy, though some insurers might offer it as an endorsement. Given Arizona’s susceptibility to flash floods, flood insurance is highly recommended, and it might be required if you live in a flood zone and have a mortgage.
• Water Backup Coverage: Heavy rains can lead to flash floods and may overwhelm your sewer and drainage systems, causing water to back up into your home. Water backup coverage, often available as an endorsement, can help cover the damage caused by such incidents.
• Wildfire Coverage: While standard policies generally include fire damage, high-risk areas might require additional coverage for more comprehensive protection against wildfires. Separate policies may be necessary for extended coverage and higher limits.
• Replacement Cost Coverage: This coverage can be included in your policy or added as an extra. It helps cover the cost of new building materials and belongings without depreciation after a covered loss.

Given Arizona’s high risk for weather-related damage, consulting with a licensed agent familiar with local conditions can help you select the most suitable coverage for your needs.

Common Issues with Home Insurance in Arizona

Arizona residents frequently discover that although the state has stunning scenery and sunsets, getting house insurance can be difficult in this state. It might be challenging for locals to locate the right insurance because of a number of regionally specific characteristics that can affect the insurance market.

• Climbing Rates: The cost of labor and building materials required for house reconstruction or repairs is affected by inflation. These growing expenses, combined with interruptions in the supply chain, can occasionally be seen in insurance rates.
• Environmental Challenges: Due to Arizona's dry environment, dust storms and intense heat waves can occur, which may not always be covered by typical insurance policies.
• Infestations of Pests: Termites and scorpions, attracted by the warm climate, may pose an additional risk. Homeowners should be aware that ordinary house insurance often does not cover damage caused by these pests.
• Urban Development: As cities like Phoenix grow, urban-related risks such as theft or vandalism may become more common. This can impact coverage options and insurance rates.