Phoenix Homeowners Insurance

Your Complete Guide to Phoenix, AZ, Homeowners Insurance

(How to find the best policy for you)


Phoenix, located in the central southern region of Arizona in the Salt River Valley, has frontier history that permeates the city’s culture. It is one of the nation's swiftest growing metropolitan areas and is known as the center of “The Valley of the Sun.”

Phoenix lies on flat desert topography, which is surrounded by the Phoenix Mountain Preserve. The weather is hot with low humidity, however, the most extraordinary weather trend is the 325 days of sunshine it gets every year, which makes Phoenix one of the most sun-drenched cities in the nation.

Whether you are a long-term inhabitant of the city, or you relocated here for a new job, if you have freshly bought a home, you will need a reliable homeowners insurance policy.

Independent insurance agents can assist you in finding the best and most reasonably priced insurance coverage for your Phoenix, AZ, home. Find an independent insurance agent near you to learn more, and you can soon start comparing tailored homeowners insurance quotes from a range of highly rated insurance brokers.

What Is the Cost of Homeowners Insurance in Phoenix, AZ?

The average price of homeowners insurance in Arizona is lower than the national average, which makes it wise to shop around and compare rates.

  • National average yearly premium: $2,305
  • Arizona average yearly premium: $1,976

Obviously, averages can only give you an approximate idea of the expected costs of annual homeowners insurance. Genuine homeowners insurance rates can wildly vary from one owner to another. This tends to happen because rates are calculated on a case-by-case basis according to several different factors including the following:  

  • The age, cost, and size of your home
  • The type of home you are insuring
  • The number of stories in your home
  • The crime rate and weather risks in your area
  • Your credit score and claims history
  • If you are bundling your coverage with another policy such as car insurance or life insurance

Evaluating car insurance rates allows you to choose the homeowners policy offering the best car insurance coverage at the lowest possible price. Independent insurance agents in Phoenix, AZ, make comparison shopping effortless.

Does Phoenix, AZ, Homeowners Insurance Cover against Catastrophic Events?

Your homeowners insurance policy is devised to protect you against many of the perils you are apt to face as a homeowner in Phoenix, AZ, which includes a broad assortment of catastrophic events such as severe storms and lighting damage.

You will want to make sure you are able to repair or rebuild your home by setting your insurance coverage requirements high enough in the event of a catastrophe.

Catastrophic events in Arizona:

  • Number of federally declared disasters in AZ: 98 since 1953
  • Most common reasons for disasters in AZ: Severe storms and lighting damage
  • Average number of tornadoes per year in AZ: 5

Inhabitants of Phoenix, AZ, are highly at risk for damage caused by severe storms, lightning damage, floods, flood damage, burglary and other property crimes, ice storms, and freezing. Luckily, these threats are all covered by most homeowners insurance policies. Nevertheless, it is imperative to be aware that flood damage is not covered by homeowners insurance. This is true even if the flood is the direct result of a covered storm.

Citizens near waterways such as the Salt River are extremely at risk for flood damage, but flash flooding can occur just about any place. Fortuitously, an independent insurance agent can assist you in enhancing your coverage with a flood insurance policy.

Talk to your independent insurance agent for assistance in guaranteeing all your homes are properly covered.


Save on Home Insurance

Our independent agents shop around to find you the best coverage.

Why Does My Home Need Personal Liability Insurance in Phoenix, AZ?

Civil suits happen all the time, which can become very costly. For this reason, your homeowners insurance also affords you with personal liability coverage.

Homeowners insurance is intended to cover the numerous expenses you may amass if liable for damage related to a covered event. A few examples of circumstances in which personal liability coverage may safeguard you include the following:

  • A visitor’s child comes over to your house, falls in your ungated swimming pool, and almost drowns.
  • Your goat got into the neighbor’s berry patch and ate all the berries.
  • You thought someone was in the house and ended up shooting your television.
  • A swan hit a power pole and stunned, flew into your window creating massive damages.

An independent insurance agent in Phoenix can clarify your homeowners liability coverage in better detail.

If you wish to augment your homeowners insurance with higher liability limits than your home insurance policy allows, your representative can also help you out with obtaining a reasonably priced umbrella insurance policy. Umbrella insurance is an inexpensive way to enhance all of your liability coverage requirements.

Does Homeowners Insurance Cover against Burglaries in Phoenix, AZ?

Being the target of a burglary is traumatic enough. If your Phoenix, AZ, home is broken into, you may find some comfort in knowing your homeowners insurance can provide reimbursement for your damages, as well as for any other property damage the burglars may have done to your house.

Home security systems are among the most efficient theft prevention devices around, and many insurance companies offer deductions to clients who have security systems installed in their homes. An independent insurance agent can assist you in finding all the prospective discounts for which you may qualify.

Does Homeowners Insurance Cover a Second Home or Vacation Home in Phoenix, AZ?

Whether you own a vacation home in Denver, CO, or you have a house nearby in Mesa, AZ, you rent to seniors, if you're among the Phoenix, AZ, citizens who own more than one home, you will want to cover all your houses with an appropriate homeowners insurance policy.

If you do not live permanently in your second or vacation property, often have added hazards that insurance companies may take into consideration, which means that specific insurance products may be necessary. 

  • Second homes occupied by renters have a higher liability and property damage risks. These houses require particular coverage options offered by landlord insurance.
  • Vacation homes left vacant for long stretches have a heightened risk of burglaries and property damage. Vacant home insurance may be required while the house is unoccupied.

An independent insurance agent can help you evaluate the coverage needs for all your residential properties and can help you find the best and most affordable policies to insure them.

Why Work with an Independent Insurance Agent in Phoenix, AZ?

The simplest way to find a great homeowners policy is to work with an independent insurance agent. These pros work for you, not for a specific insurance company. This allows you to guarantee you're getting dependable advice as you shop for the homeowners insurance coverage options you need for your Phoenix, AZ, home.

Independent insurance agents in Phoenix, AZ, are eager to help. Contact an independent insurance agent near you to begin assessing personalized homeowners insurance quotes.

Share this page on Twitter Share this page on Facebook Share this page on LinkedIn

©2022, Consumer Agent Portal, LLC. All rights reserved.