Arizona Homeowners Insurance

What to Know About Arizona Homeowners Insurance

Find the right homeowners insurance policy for you.

Outsiders tend to associate The Grand Canyon State with the dry deserts featured in famous western movies. However, like other southwestern US states, Arizona contains a variety of geographic features and different climates; a third of the state has fairly mild summers and cool winters. State residents will find that their personal Arizona homeowners insurance will depend a lot upon the part of the state they own a house and property in.

Do you need to find Arizona home insurance quotes? Would you like to be sure you have an agent on your side if you ever need to make a claim? An independent Trusted Choice® network agent can help you by comparing multiple insurance companies and policy options. He or she will also be available to help service your policy in the future.

  • National yearly premium average: $1,132
  • Arizona yearly premium average: $765
  • 44th most expensive premium in the US.

State residents will be happy to know that Arizona homeowners insurance rates tend to be lower than those in other parts of the US. Arizona also has lower rates than most other western states. A mild climate in most of the state may help explain these lower prices.

In order to understand local premiums, it may be helpful to review some common hazard claims in Arizona vs. the entire US.

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Number of Catastrophe Claims in Arizona vs. National Average

  • National number of catastrophes: 19,033
  • Number of catastrophes in Arizona: 208
  • National number of tornadoes: 1,233
  • Number of tornadoes in Arizona: 3
  • National property damage from weather: $5,511,270,000
  • Property damage from weather in Arizona: $28,050,000

Arizonians have not suffered many of the common types of hazard claims that plague residents of other states. However, major catastrophes and floods occur in all US states, so coverage should be part of your package of protection. Since Arizona is a diverse state, risks will vary by the exact location of your house and property.

Note that many types of flood damage may not be covered by a basic home policy. Arizona residents might need a flood insurance policy to protect their property against water damage.

Number of Thefts in Arizona

  • National average for burglaries: 37,814
  • Arizona number of burglaries: 48,533

Burglary claims are more common in Arizona than they are nationwide. The risk of theft is higher in a large city like Phoenix than it is in other parts of the state. In any case, many Arizona homeowners insurance companies will encourage customers to install burglar alarms. Some insurers will even offer home owners a discount on their rates for adding this additional protection.

Where to Find the Best Arizona Home Insurance Quotes?

Residents of any state should shop around for the best rates and plans. A local Trusted Choice agent can present you with custom-tailored quotes, research policy options, and service your selected policy.

There is not one perfect insurer for every Arizona resident. Shopping for the right company can take a lot of time. A good agent can do most of the shopping for you.

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