Best Scottsdale Homeowners Insurance Quotes (2025)
Armed Forces Insurance Exchange offers some of Scottsdale’s cheapest homeowners insurance policies, with average annual premiums of $925.
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Written byJanet Berry-Johnson
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8+ years writing about insurance, taxes, and personal finance
Certified public accountant
Janet applies her experience in personal finance, taxes, and accounting to make complex financial topics accessible. Her byline has appeared on numerous web media.
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Edited bySara Getman
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Sara Getman is an Associate Editor at Insurify and has been with the company since 2022. Prior to joining Insurify, Sara completed her undergraduate degree in English Literature at Simmons University in Boston. At Simmons, she was the Editor-in-Chief for Sidelines Magazine (a literary and art publication), and wrote creative non-fiction.
Outside of work, Sara is an avid reader, and loves rock climbing, yoga, and crocheting.
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Table of contents
Scottsdale is an expensive city, and as a homeowner, you need to protect your valuable assets and personal belongings. The average annual cost of homeowners insurance in Scottsdale is $2,170 for a $300,000 policy with a $1,000 deductible.
While Scottsdale homeowners don’t typically deal with natural disasters like earthquakes or tornadoes, the city is prone to dust storms and flash flooding.[1] Recognizing these local risks and whether a standard home insurance policy covers them can help you make informed decisions when shopping for insurance.
Keep reading to learn more about comparing quotes and finding affordable homeowners insurance in Scottsdale.
Quick Facts
Armed Forces Insurance Exchange, American Family, and Travelers have some of the cheapest home insurance in Scottsdale.
Home insurance in Scottsdale costs less than the national average of $2,377 per year but more than the Arizona state average of $1,961 per year for a policy with $300,000 in dwelling coverage and a $1,000 deductible.
Scottsdale homes are at risk from windstorms, flash floods, and wildfires, but the right homeowners insurance policy can protect you from all three.
Best home insurance companies in Scottsdale
Many reputable insurance companies serve homeowners in Scottsdale and offer a range of policies and coverage options. The best home insurance company for you depends on your individual situation and needs, but you can start your search with some of the insurers below.
Insurance Company  | IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | Average Annual Premium | Best For |
|---|---|---|---|
| Armed Forces Insurance Exchange | NR | $925 | Cheapest rates |
| American Family | 8.6 | $1,380 | Customer service |
| Travelers | 7.8 | $1,402 | High-net-worth homeowners |
| State Farm | 8.2 | $1,428 | In-person and online services |
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 55,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Cheapest rates: Armed Forces Insurance Exchange
Armed Forces Insurance Exchange stands out for its affordable rates for military families and veterans. Its policies are designed with the unique needs of military members and their families in mind, with flexible coverage options and discounts to make protecting their homes affordable. The company offers home insurance as well as renters insurance, car and motorcycle insurance, business insurance, and boat insurance.
Pros
All clients get dedicated personal insurance agents
Flood and earthquake coverage available as add-ons
Cons
Limited to active-duty military members, veterans, and their families
Offers fewer discounts than some larger insurance companies
Best insurer for customer service: American Family
customer service
American Family
Compare personalized, real-time quotes
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.6/10 |
|---|---|
| A.M. Best A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor). | A |
| $300,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $300,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $102/mo |
| $500,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $500,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $138/mo |
American Family stands out for its exceptional customer service, making it a top choice for Scottsdale homeowners. The company has a rating of 4.7 out of 5 stars from Trustpilot, with many customers raving about their agents’ knowledge and responsiveness. American Family’s strong presence in Scottsdale helps ensure you can find an agent who’s well-versed in the unique needs and risks associated with living in the desert.
Pros
Discounts of up to 23% when you bundle home and auto insurance
Endorsement available to cover water damage from flash floods
Cons
Must complete online quotes with an agent
Limited discounts compared to some home insurance companies
Best insurer for high-net-worth homeowners: Travelers
TravelersCompare personalized, real-time quotes
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 7.8/10 |
|---|---|
| A.M. Best A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor). | A++ |
| $300,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $300,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $124/mo |
| $500,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $500,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $208/mo |
Travelers Insurance is the go-to option for many high-net-worth Scottsdale residents who want comprehensive coverage for their homes and belongings. The company is known for its extensive policy options, offering protection against a wide variety of risks. Its expansive coverage options ensure you can find a policy tailored to your unique needs and risks.
Pros
Offers packages to bundle home and auto
AM Best financial strength rating of A++ (Superior), ensuring financial stability and reliable claims handling
Cons
Higher premiums compared to budget insurance companies
Rating of 1.5 out of 5 stars on Trustpilot, with many customers complaining of poor claims service
Best insurer for in-person and online services: State Farm
State FarmCompare personalized, real-time quotes
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.2/10 |
|---|---|
| A.M. Best A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor). | A++ |
| $300,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $300,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $121/mo |
| $500,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $500,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $162/mo |
State Farm offers Scottsdale homeowners the ideal blend of online convenience and personalized local service. It has a strong network of agents throughout the city, so homeowners can easily obtain quotes and manage their policies online or through the State Farm mobile app while still having access to knowledgeable local agents for in-person assistance.
Pros
Convenient quoting online and policy management through the mobile app
Strong reputation and extensive experience in the industry
Cons
Premiums can be higher than some competitors
Not as many discounts as some competitors
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Cheapest home insurance in Scottsdale
For Scottsdale homeowners looking for affordable coverage, Armed Forces Insurance Exchange offers the cheapest home insurance in the city. But it’s important to compare quotes to find the best deal to meet your specific needs.
If you’re not a military member or veteran and Armed Forces Insurance Exchange isn’t an option, the table below highlights some other affordable options in Scottsdale and the average cost of home insurance from each company.
Insurance Company | Average Annual Premium |
|---|---|
| Armed Forces Insurance Exchange | $925 |
| American Family | $1,380 |
| Travelers | $1,402 |
| State Farm | $1,428 |
| Chubb | $1,440 |
| Auto-Owners | $1,567 |
| Allstate | $1,569 |
| USAA | $1,634 |
| Foremost | $1,701 |
| Nationwide | $1,833 |
| Allied | $1,852 |
| ASI Progressive | $2,158 |
| COUNTRY Financial | $2,371 |
| Farm Bureau Mutual | $2,711 |
| Farmers | $2,739 |
Cost of homeowners insurance in Scottsdale
Homeowners insurance costs an average of $2,170 per year in Scottsdale. But you may end up paying more or less depending on several factors, including your home’s age, ZIP code, value, and construction type. Other personal factors like your credit and claims history also play a part.
Your dwelling coverage, add-on coverage, and deductible can also affect your annual premium, so it’s important to consider your budget and understand how much coverage you really need.
Cost of homeowners insurance by dwelling coverage amount
Your dwelling coverage limits directly affect your premiums. Higher coverage amounts cost more because the insurance company assumes greater financial risk. For example, insuring a home for $500,000 will cost more than insuring it for $200,000.
The table below shows the average annual premiums in Arizona for different coverage limits so you can see how it affects your premiums. Rates shown are for policies with a $1,000 deductible.
Coverage Limit | Average Annual Premium |
|---|---|
| $100,000 | $1,071 |
| $200,000 | $1,536 |
| $300,000 | $1,961 |
| $400,000 | $2,509 |
| $500,000 | $2,509 |
Cost of homeowners insurance by deductible
Your deductible is the amount you pay out of pocket before your insurance coverage kicks in after a covered claim. Choosing a low deductible means you’ll pay less when you have a claim, which usually results in higher insurance premiums. On the other hand, a high deductible lowers your premiums but requires you to pay more out of pocket when you have a claim.
The following table shows the average annual premium in Scottsdale for policies with $300,000 in dwelling coverage so you can see how your deductible amount affects your premium.
Deductible Amount | Average Annual Premium |
|---|---|
| $500 | $2,247 |
| $1,000 | $2,170 |
How to get cheap homeowners insurance in Scottsdale
Finding affordable homeowners insurance in Scottsdale is about understanding your insurance products and making strategic choices. Here are some common ways to save on your premiums:[2]
Bundle your policies. Many insurance companies offer discounts — usually anywhere from 5% to 15% — when you bundle your home insurance with other policies like auto or life insurance. These discounts can save you money and simplify managing your insurance coverages.
Improve your home security. Investing in home security, like installing smoke detectors, burglar alarms, and deadbolt locks, can lower your insurance premiums. These improvements reduce the risk of damage or theft, so they lower your insurance company’s potential payout.
Increase your deductible. Choosing a higher deductible can lower your premiums by up to 25%. While you’ll pay more out of pocket if you file a claim, the savings on your premiums can more than offset that cost over time. Make sure you select a deductible that balances saving today with coverage for potential losses in the event of a future claim.
Maintain good credit. In Arizona, insurance companies are allowed to use credit history as a factor when setting rates. Insurance companies use credit history to predict the likelihood of you filing claims because insurers believe people with poor credit tend to file more claims than people with good or excellent credit.[3] Maintaining a good credit history by paying your bills on time and managing debt can help reduce your insurance costs.
Shop around and compare quotes. Each insurance company has its own criteria for setting rates, so shopping around lets you find the best coverage at the best price. Reviewing and comparing your options regularly helps you save money over time.
Arizona homeowners insurance rates by city
Homeowners insurance rates can vary from city to city and between ZIP codes within the same city. Some reasons for these variations include the likelihood of weather events like windstorms or flash flooding, crime rates, and proximity to emergency services like hydrants and fire stations.
The table below shows the average annual rates for different cities in Arizona for a $300,000 policy with a $1,000 deductible.
City | Average Annual Premium |
|---|---|
| Buckeye | $1,864 |
| Casa Grande | $1,935 |
| Chandler | $1,836 |
| Glendale | $2,198 |
| Mesa | $2,174 |
| Peoria | $1,701 |
| Phoenix | $2,177 |
| Tempe | $2,248 |
| Tucson | $1,769 |
| Yuma | $1,712 |
How much homeowners insurance do you need in Scottsdale?
Home insurance isn’t a requirement in Arizona or the city of Scottsdale. But when you take out a mortgage to purchase your home, your mortgage company requires you to buy a homeowners insurance policy. This coverage protects its investment if your home is damaged or destroyed.
It might be tempting to go with the cheapest quote you find, but it’s important to understand exactly what your homeowners insurance policy covers before you buy it. Different quotes might have different limits for dwelling, personal property, and personal liability coverage. Some policies might include additional coverage, like guaranteed replacement cost, water backup, or coverage for a home-based business.
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What are some of the biggest risks when owning a home in Scottsdale?
Owning a house in Scottsdale comes with a unique set of risks. Discuss these risks with your insurance agent to ensure adequate coverage and peace of mind.
Dust storms
Scottsdale can experience severe dust storms, also known as “haboobs,” during the monsoon season from June through September. The high winds from these storms can damage your roof and trees and send debris through windows. Fortunately, a standard homeowners insurance policy typically covers wind damage.
Flash flooding
You might not think of the desert oasis of Scottsdale as a flood-prone area, but it’s susceptible to flash floods during the heavy rains accompanying monsoon season. While a standard homeowners insurance policy typically excludes flood coverage, you may be able to purchase inland flood coverage as an optional endorsement. This coverage is for homeowners in areas that aren’t typically flood risks but might face flood damage from rapid rain accumulation that doesn’t drain away or soak into the ground.
Wildfires
With the very dry conditions and hot temperatures in Scottsdale, wildfires are a growing concern there and in the surrounding areas. A standard homeowners insurance policy generally covers fire damage. It’s still a good idea to protect your home from this risk by clearing vegetation around your home to create defensible space and using fire-resistant building materials.
Scottsdale homeowners insurance FAQs
If you’re shopping for home insurance in Scottsdale, this additional information may help as you research your coverage options.
How much is home insurance in Scottsdale?
Homeowners insurance in Scottsdale costs an average of $2,170 per year for a $300,000 policy with a $1,000 deductible, according to Insurify data. But your rates will depend on many factors, such as your ZIP code, age of your home, square footage of your home, and the coverage levels you choose.
Which company has the cheapest homeowners insurance in Scottsdale?
Armed Forces Insurance Exchange offers the cheapest rates in Scottsdale, averaging $925 per year for coverage. But this insurer only caters to the military community. Other affordable options include American Family for $1,380 per year, Travelers for $1,402 per year, and State Farm for $1,428 per year.
Does Scottsdale require homeowners insurance?
No. Homeowners insurance in Arizona and Scottsdale isn’t a legal requirement, but it’s something your mortgage lender will require. Even if you no longer have a mortgage, it’s a good idea to have homeowners insurance. It can help you financially if your home sustains expensive damage from a windstorm or wildfire.
What is the average cost of homeowners insurance in Arizona?
Arizonans pay $1,961 per year for homeowners insurance, on average. This is lower than the national average of $2,377 for a policy with $300,000 in dwelling coverage and a $1,000 deductible. Your rates may be lower or higher depending on your policy, coverage levels, deductible, home type, ZIP code, location, credit history, and local climate.
Methodology
Insurify data scientists analyzed rates from more than 180 home insurance companies sourced directly from Insurify’s partner companies and Quadrant Information Services. Rates span all 50 states and Washington, D.C., and quote averages represent the mean price for a given coverage level and geographic area. To ensure data reliability, only insurers meeting minimum quote thresholds were included in the analysis.
Unless otherwise specified, quoted rates reflect the average cost for homeowners with no prior claims and good credit with a home construction year of 1980. The default coverage assumptions include:
Default Coverage Assumptions
- Dwelling coverage: $300,000
- Deductible: $1,000
- Personal property limit: $25,000
- Liability limit: $300,000
Additional data points beyond these default values are sourced from Insurify’s proprietary database. Rates are updated monthly.
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Sources
- Arizona Emergency Information Network. "Dust Storms."
- Insurance Information Institute. "How to save money on your homeowners insurance."
- Consumer Protection Division Arizona Department of Insurance. "CONSUMER GUIDE HOW INSURANCE COMPANIES USE CREDIT INFORMATION."
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Janet Berry-Johnson
Janet Berry-Johnson, CPA is a freelance writer with a background in accounting and income tax planning and preparation. She's passionate about making complicated financial topics accessible to readers. She lives in Omaha, Nebraska with her husband and son and their rescue dog, Dexter. Visit her website at www.jberryjohnson.com.
Janet has been a contributor at Insurify since October 2022.
Sara Getman is an Associate Editor at Insurify and has been with the company since 2022. Prior to joining Insurify, Sara completed her undergraduate degree in English Literature at Simmons University in Boston. At Simmons, she was the Editor-in-Chief for Sidelines Magazine (a literary and art publication), and wrote creative non-fiction.
Outside of work, Sara is an avid reader, and loves rock climbing, yoga, and crocheting.