Popular QuestionsPopular Questions about Homeowners Insurance in Arizona

How much does Arizona home insurance cost? $825

On average, American homeowners pay $1,211 per year for their home insurance coverage. However, in Arizona, the average annual premium is lower at just $825 a year.

Having homeowners insurance coverage is important because hazards like severe weather events accidental fires, and property crimes can result in expensive losses for Arizona homeowners who are not insured.

What can Arizona home insurance do for me?

Your home insurance policy is designed to cover you against many of the hazards you are likely to face as a property owner in Arizona. Whether you are facing expensive losses related to a fire, severe storm, or a rash of burglaries, you're covered if you have a suitable Arizona homeowners insurance policy. 

Let’s look at the kinds of coverage your Arizona policy can provide:

Pays to repair or replace your home and your belongings

  • This is called homeowners property insurance. It consists of dwelling insurance, which covers the structure of your home, and contents coverage, which covers your personal property.
  • This insurance can pay to rebuild, repair, or replace damaged property when the damage is caused by a covered event.
  • Example: Lint build-up in your dryer vent starts a fire, and a portion of your house many of your belongings are destroyed in the blaze.

Pays for someone else's injuries or property damage when it's your fault

  • This is called homeowners liability insurance.
  • This insurance can cover accidental injuries, property damage, or financial losses for which you or members of your family can be held responsible.
  • Example: A neighbor’s child suffers a significant neck injury while diving into your swimming pool.

Pays for temporary living expenses when your home is damaged

  • This is called loss of use insurance.
  • This insurance can cover temporary living expenses such as hotel charges, a meal allowance, and mileage reimbursement if your home is severely damaged by a covered event and you must find alternative accommodations while repairs are made.
  • Example: A hurricane causes a large tree to fall onto your house. You need to stay in a hotel temporarily while repairs are made.
Will I actually use my Arizona home insurance?

We can’t be 100% certain, but in 2016, insurance companies paid out more than $550 million in home insurance claims in the state of Arizona alone. That's a lot of unfortunate events happening to Arizona homeowners.

How are Arizona home insurance rates calculated?

Insurance companies base their home insurance rates on the value of your property and how likely it is that something bad will happen to it. The higher the probability that a damaging event will affect your house and property, the more expensive your home insurance policy will be. These potential damaging events are called "risks” or “exposures.”

Let’s take a look at how risky Arizona is compared to the rest of the Unites States.

Crime

The burglary rate in Arizona is higher than the national average. Insurance companies will look at crime rates in your particular ZIP code when determining how high your premiums will be.

  • Average number of burglaries per 1,000 homes in the US: 3.76
  • Average number of burglaries per 1,000 homes in AZ: 4.40

Several insurance companies offer policy discounts to homeowners who have burglar alarms, deadbolt locks, and other security features installed in their homes. Talk to a local independent agent to learn whether you qualify for this or any other discounts.

Weather

Severe weather events, including hailstorms and heavy winds, can wreak havoc on residential properties in this state. Be sure that your home insurance provides all the coverage you need before disaster strikes.

  • Number of federally declared disasters since 1953: 98
  • Most common causes of disasters in the state: Wildfires, floods, and severe storms
  • Average number of tornados per year in the state: 10.6
  • Amount paid out in home insurance claims in AZ in 2016: $550,629,000

Home Values

The size of your house can affect your home insurance rates, since larger homes tend to have more personal property inside them. The estimated cost to rebuild your home will also play a large role in how much your home insurance costs.

In Arizona, the average home value is higher than the national average. Of course, some cities in this state have more high-value properties than others, and therefore see higher average rates for coverage.

  • Average home value in the US: $188,900
  • Average home value in AZ: $223,400
What is the best homeowners insurance company in Arizona?

No single insurance company can be considered the “best” for everyone. The policy that works best for you might not be the most ideal choice for your next-door neighbor. That is why independent agents compare policies and rates from multiple highly rated companies to find you the policy that is best able to meet your coverage and budgetary needs.

Are there any independent insurance agents in Arizona?

Yes! There are currently 401 independent insurance agents in Arizona who are ready to help.

Independent insurance agents do not work for a single insurance company. Instead, they work for you. This means they are free to shop around to find you suitable coverage at a competitive price. Contact an independent agent near you to get started.

InformationFind the Best Homeowners Insurance in Your City

Now, let's take a quick peek at what’s going on in your city. Insurance companies look at a lot of factors when determining home insurance costs. One of many factors is location. Crime rates, weather catastrophes and the overall cost of your home will also factor into how much your home insurance will cost.

How does your city measure up to the national average?

  • National average home insurance cost : $1,211 / year
  • National average burglary rate per 1,000 homes: 3.76
  • National average home value: $188,900
CityAverage House ValueBurglary Rate per 1,000 HomesAvg. Cost of Home Insurance (Yearly)
Avondale$332,4384.51$728
Buckeye$334,9272.40$709
Chandler$331,9562.57$990
Gilbert$332,4381.64$1,065
Glendale$228,9344.22$769
Goodyear$352,5494.36$1,057
Mesa$275,7723.10$756
Peoria$288,8203.05$868
Phoenix$293,2506.34$860
San Tan Valley$233,2002.14$714
Scottsdale$697,1122.79$1,650
Surprise$251,7991.75$749
Tempe$278,8825.39$966
Tucson$181,5106.06$661
Yuma$196,2544.23$648

Phoenix, AZ Homeowners Insurance

The average monthly cost of home insurance in Phoenix is $72.

Homeowners insurance rates in can vary from one property owner to the next. Your actual rate will be based on factors like the size, value, and location of your home, the materials used in its construction, and the crime rate and weather risks in the ZIP code in which your property is located.

One of the most common hazards faced by homeowners in Phoenix is property crimes. With more than 10,000 burglaries reported every year, this city has one of the highest burglary rates in the state. Fortunately, your homeowners insurance covers against property loss and damage to your home if you are the victim of a property crime. Your local independent agent can assist you throughout the claims process if needed. 

Tucson, AZ Homeowners Insurance

The average monthly cost of home insurance in Tucson is $55.

Tucson has an abundance of affordable housing and this helps to keep the average insurance cost low. Insurance companies consider your home’s size, value, location, and other factors when they calculate your rates. 

This city sometimes sees torrential downpours, particularly during monsoon season. However, it is important to be aware that while homeowners insurance covers damage caused by heavy winds, lightning strikes, and rain falling onto you your house, it does not cover against the flood damage that often accompanies these storms. Because many Tucson residents are in danger of experiencing large financial losses due to flooding, it is important to supplement your homeowners insurance with a flood insurance policy through the National Flood Insurance Program (NFIP). A local independent agent can help you get this crucial coverage.

Mesa, AZ Homeowners Insurance

The average monthly cost of home insurance in Mesa is $63.

Of course, what you may be actually be asked to pay is likely to differ from this amount, because rates are based on specific details about your property. Your rate will be calculated according to factors like the size and age of your house, the materials used in its construction, the crime rate and weather risks in your ZIP code, your claims history, and sometimes even your credit score. 

Windstorms can be destructive in Mesa. In August 2020, a powerful windstorm brought dust, lightning, and rain to the area. This storm caused numerous power outages and uprooted trees, and many residents saw damage to their homes and property. Fortunately, homeowners insurance can provide the funds necessary to repair or replace damaged property following a windstorm. Talk to a local independent insurance agent to learn more.

Chandler, AZ Homeowners Insurance

The average monthly cost of homeowners insurance in Chandler is $83.

Your house is not the same as every other house in your neighborhood. While you and your neighbors may face the same crime and weather risks, your homeowners insurance premium is also based on factors like the size, age, and value of your home, the number of people living in it, the amount of liability coverage you want, and the size of your deductible. Your quoted rate for Chandler homeowners insurance may therefore be higher or lower than this average.

One of the most devastating things a homeowner can experience is a house fire. In addition to damaging the structure of your house, a fire can lead to the total loss of your personal belongings. Homeowners insurance can’t bring back your irreplaceable property, but it can give you peace of mind through financial compensation. You will want to be sure that your dwelling coverage is high enough to enable you to rebuild a home of comparable size and that your contents coverage is high enough to cover the cost of replacing your lost or damaged property. An insurance agent in Chandler can help you review your coverage levels to ensure that they are sufficient.

Scottsdale, AZ Homeowners Insurance

The average monthly cost of home insurance in Scottsdale is $183.

Of course, not all Scottsdale homeowners will pay the same for their home insurance. Your monthly rate is based on the crime and weather risks in your ZIP code, the age, size and value of your home, the building materials used in your house’s construction, the amount of coverage you want, your claims history, and more.

Hailstorms in the Scottsdale area have the potential to cause significant damage to local homes. Hailstones that exceed one inch in diameter can damage roofs, gutters, siding, windows, and peripheral property like garages and sheds. Fortunately, damage caused by hailstones is covered by homeowners insurance. An independent insurance agent near you can help you be sure that your property is sufficiently covered against all the risks you are likely to face in Scottsdale.