Tucson is a vibrant city in southern Arizona. The area has 350 days of sunshine a year, making it a perfect location for homeowners to enjoy year-round hiking mountain trails, cycling on the city’s bike-friendly streets, and outdoor activities with family and friends. However, you may experience natural hazards, house fires, vandalism, or theft.
While you hope never to file a home insurance claim, having home insurance in Tucson can protect you and your family if you experience a loss or property damage.
If you’re looking to buy a home or are already a Tucson homeowner, Insurify makes it easy to compare the best homeowners insurance rates so you can get back to relishing the warm Arizona sun.
Overpaying for Tucson homeowners insurance?
How to Find Cheap Home Insurance in Tucson
Half of Tucson residents have taken the plunge into homeownership. There’s no denying that buying a home is a substantial financial investment. It’s likely the biggest purchase you’ll make in your lifetime. With such a large investment, you’ll want to take steps to minimize risk and protect your investment from any disaster or threat that may come your way.
The first step to protecting your property is homeowners insurance. Though not required by law, home insurance provides financial liability for your property and belongings from natural disasters and theft. Different coverage levels are available for different property types, locations, and other factors.
Keep reading for a full guide on Tucson home insurance.
MORE ON ARIZONA HOME INSURANCE
For general information on Arizona home insurance, check out our guide to the best homeowners insurance in Arizona. For more city-specific information, here’s our guides to Phoenix homeowners insurance.
Cheapest Home Insurance in Tucson by Company
Homeowners insurance rates aren’t always designed with savings in mind. That’s where Insurify comes in.
As of 2020, the average home insurance premium in the Tucson area costs $1,803 annually, and the median home value is $219,800.
The price of your home can depend on several factors. For instance, residents may rely on the many mobile and manufactured housing available in Tucson to lower the financial threshold to homeownership. Your choice of purchasing a manufactured home versus a stick-built home can also influence how much you pay for home insurance in Tucson, AZ.
|Average Home Cost in Tucson||Average Annual Insurance Premium in Tucson|
Cheapest ZIP Codes in Tucson for Home Insurance
Home prices can vary among neighborhoods, even within the same city. For instance, six miles north of Tucson in Oro Valley, house values are generally around $349,000. However, in Drexel Heights, south of the city, the typical home value is $183,901.
Like property costs, home insurance varies in price from city to city. Pricing is determined by ZIP code–specific variables, such as the volume of claims filed nearby, crime rates, and property costs, and risk variables, such as natural disaster frequency. Even your specific neighborhood may determine if you pay more or less on your annual premiums.
Home insurance rates in Tucson can be relatively high or low compared to the national average; it all depends on which area you live in. Here are the most and least expensive ZIP codes in Tucson for home insurance.
|Most Expensive Real Estate in Tucson||Cheapest Real Estate in Tucson|
|Mesquite Ranch||$258,567||Cherry Avenue||$149,471|
Home Insurance Coverage Types in Tucson
There are several types of home insurance. Specific terms of insurance policies may vary by city, but in general, the standard policy types are as follows:
Mobile Home Form
Manufactured Home Insurance in Tucson, AZ
Tucson has many mobile and manufactured homes. If you’re looking for manufactured or mobile home insurance in Tucson, AZ, make sure to understand that mobile home insurance is different from a standard homeowners policy.
Many insurance companies that provide coverage for stick-built homes also offer a mobile home policy. Fortunately, the offerings are similar in that they both provide coverage for dwelling protection, other structures, personal property, liability, and often loss of use coverage.
An important distinction in mobile and manufactured home insurance is that it only protects your home when it is stationary. You must purchase a separate, additional type of coverage if you plan to move the house from one location to another.
Protecting Your Home from Extreme Weather Events
Tucson generally has pleasant weather conditions. However, extreme weather events such as dust storms, extreme heat, severe wind, and flash floods are possible in Tucson. It’s best to know what your policy covers and what it doesn’t before you find yourself in a disaster.
Luckily, most homeowners insurance policies include coverage for damage caused by severe wind, dust storms, and extreme heat. If a powerful wind storm blows through and knocks a tree onto your home or garage, your insurance company generally covers the cost of repairs or rebuilding. You also should be covered if the extreme heat from the hot sun causes your shingles to crack and break.
However, home insurance policies do not consider flood damage a covered loss. If you’ve lived in Tucson for a while, you may have seen the dry creek beds turn into fast-flowing rivers during a flash flood. Talk to your insurance agent to find out if you’re in an area prone to flooding, and ask about flood insurance from the National Flood Insurance Program.
Buying a home is an exciting time, but it can also be stressful—don’t let insuring it get in the way of enjoying your new property.
Frequently Asked Questions - Tucson Homeowners Insurance
How can I lower my Tucson, AZ, homeowners insurance premiums?
While the average home insurance premium in Arizona is slightly below the national average, your rate can vary according to the age of the home, ZIP code, property type, and your insurance needs. Opting for a higher deductible could decrease your premiums, but it also requires more money out of your pocket if you file a claim. Another easy way to lower your home insurance cost is to shop around to compare rates. Insurify can make shopping for a policy easier by providing you with insurance quotes from some of the best home insurance companies for your Tucson property.
Does USAA offer home insurance in Tucson?
Yes, you can get home insurance from USAA for your Tucson home. However, the insurance agency generally only offers insurance products to military members and their families. If you’re an active, retired, or separated with an “honorable” discharge, USAA may be a viable coverage option for you. Other well-known insurance providers, such as Nationwide, GEICO, State Farm, and Allstate, also offer home insurance in Tucson.
Do Tucson, AZ, homeowners insurance companies offer bundling?
When you combine multiple insurance policies—like home, auto, and life insurance—together with a single insurer, you may qualify for a multi-policy discount that can lower your annual premiums. Many companies and insurance groups allow you to bundle your home and car insurance policies, so be sure to ask about this option when comparing home insurance quotes.
Conclusion: How to Find the Cheapest Home Insurance in Tucson
Tucson homeowners can enjoy year-round sunshine while taking in the beauty of the surrounding mountains and breathtaking sunsets. But don’t let the pleasant weather conditions fool you. Tucson could have an extreme weather event, or your home may be a victim of theft or vandalism.
Make sure to protect your home with the right homeowners insurance. Don’t wait to use Insurify’s home insurance comparison tool to find the best premium for your property in Tucson, and see how much you can save.
Compare Home Insurance Quotes in Tucson, Arizona in Two Minutes
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