Best and Cheapest Home Insurance in Arizona (2021)

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Introduction

The Grand Canyon State is prone to more unpredictable weather patterns than you think. Flash flooding, wildfires, even hurricanes can wreak havoc on Arizona homes. That's why it's so important for Arizona homeowners to have appropriate homeowners insurance. 

But headache-inducing radio and television ads make shopping for home insurance a nightmare. Enter Insurify, where shopping for homeowners insurance is made easy.

Insurify can help you get the best homeowners insurance in Arizona in just a few minutes, no matter your background, profile, or insurance needs.

How to Get Affordable Home Insurance in Arizona

Purchasing a home will be one of the largest financial investments of your lifetime. With that investment, inevitably, comes risk. However, there are steps homeowners can take to minimize risk and protect their investment, including finding the right home insurance policy.

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 or theft. Different coverage levels are available for different property types, locations, and other factors.

Homeowners insurance rates aren’t designed with savings in mind. That’s where Insurify comes in.

Homeowners Insurance Quotes in Arizona by Company

The price of homeowners insurance varies greatly from city to city. The following quotes are general estimates of annual home insurance premiums throughout Arizona, insurance companies offer different coverage levels and some even offer bundling options for your home and auto insurance.

Average Annual Homeowners Insurance Premium in Arizona by Company

Average prices for standard homeowners insurance for a 7-15 year old home, $200,000 in coverage

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Home Insurance Rates in Arizona by City

As of 2021, the average home insurance premium in Arizona costs $1,803 annually—far more than the national average. The median Arizona home is valued at $299,900.

Rates throughout Arizona can be relatively high or low compared to the state average—it all depends on which town you live in. Here are the most and least expensive ZIP codes in Arizona to buy and insure a home. Average rates within these ZIP codes tend to increase relative to property cost. In wildfire- or earthquake-prone areas, rates are often higher.

CityMedian Home Price
Sedona$542,647
Scottsdale$421,200
Gilbert$292,900
Tuscon$164,800
Phoenix$211,300
Glendale$212,600

What Does Home Insurance Cover in Arizona?

There are several types of home insurance. Specific terms of insurance policies may vary by state, but in general, the standard policy types are as follows:

HO-1: Basic
HO-2: Broad Form
HO-3: Special Form
HO-4: Tenant’s Form
HO-5: Comprehensive
HO-6: Condo Form
HO-7: Mobile Home Form
HO-8: Older Home

Mobile Home Coverage in Arizona

HO-7 type coverage is the best option for mobile homeowners. Even though home insurance is not mandatory in Arizona, mortgage lenders will require some sort of proof of insurance as a prerequisite to a loan.

Similar to traditional home insurance, mobile home insurance protects your investment from a plethora of risks, including dwelling coverage, personal property, and liability protection in case of an accident or natural disaster. Mobile home coverage levels can be higher than those of a traditional home, likely because mobile homes are more susceptible to storm damage. Depending on the level of coverage you choose when insuring your mobile home, your annual premiums may fluctuate.

Natural Disasters and Home Insurance Coverage

As Arizona residents know all too well, natural disasters can be catastrophic to property and livelihoods. In Arizona, especially, homeowners and renters alike face increased flash floods, landslides, and earthquakes each season. 

What’s covered and what’s not when it comes to homeowners policies and natural disasters in Arizona? Damage due to uncontrollable circumstances may still be covered—your level of coverage will determine how much your property is actually protected through your policy. 

With such risk, home insurance providers often charge higher premiums to cover potential disasters like wildfires. That being said, with the right tools, you may still be able to find competitive home insurance rates in your area. To choose from the best homeowners insurance companies, use Insurify to compare home insurance quotes all in one place.

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Special Home Insurance Situations in Arizona

Unique elements of your home may affect homeowners insurance prices. Check out these quotes for some special situations that may impact your home insurance in Arizona.

Cheapest Home Insurance for Houses Near Fire Department in Arizona

If your home is within a certain distance from a fire department or fire hydrant your rates may decrease. The same applies for the opposite. If your home is far from fire safety, you may pay more for homeowners insurance.

Insurance CompanyAverage Annual Premium
Allstate$1,528
ASI$810
Encompass$2,239
State Farm$1,472

Cheapest Home Insurance for Houses With Swimming Pools in Arizona

Swimming pools fall under a category called attractive nuisances. Sure, they offer a fun way to cool off during warm summer months, but they also pose a major injury risk. For that reason, having a swimming pool in your yard could increase rates.

Insurance CompanyAverage Annual Premium
American Family$1,259
Country$3,049
Farmers$1,131
Travelers$874

We've got savings for Arizona homeowners as big as the Grand Canyon.

How to Find the Cheapest Home Insurance in Arizona

Just like groceries or clothes shopping, you can find a good bargain on home insurance, without sacrificing sufficient coverage to protect your investment. Protect your home from water damage to burglars and everything in between. With a little research and the right tools, you’ll be on your way to big savings.

Use Insurify to compare free quotes for home insurance premiums for your property in Arizona.

Arizona Homeowners Insurance FAQ

Why is home insurance so expensive in Arizona?

Arizona homeowners may find themselves paying higher home insurance premiums due to the increased commonality of natural disasters involving intense weather with high winds and flood risk. Arizona homeowners, especially those flood-prone areas and along the coastline, may have higher-than-average home insurance premiums. When insurance companies take on increased risk, as they do in disaster-prone areas of Arizona, they increase their chances of having to pay out customers when disaster strikes. There are ways, though, that you can cut home insurance costs, even if you live on the water. Use Insurify to compare premiums in your area.

Does USAA insure homes in Arizona?

Yes, USAA insures home in Arizona. However, policyholders must be active military members, veterans, or the family members of those in the armed forces.

How long does a home insurance claim take in Arizona?

Short answer: it depends. Of course, in times of crisis, like wildfires or earthquakes, many of your neighbors will also be filing claims with their insurance companies, crowding the systems, and slowing down the claims process. The amount of time it takes to file a claim in Arizona will vary from case to case. To find the best home insurance companies in your area, use Insurify to compare reviews and quotes.