Tucson Homeowners Insurance

Your Complete Guide to Tucson, AZ, Homeowners Insurance

(How to find the best coverage for you)

Habitually known for its dry and sunny climate, Tucson is located in southeastern Arizona, which is about 60 miles north of the Mexican border and is surrounded by the Santa Rita and Sierrita mountains to the south and the Rincon Mountains to the east.

Whether you are an established resident of the city, or you relocated here for a new job in aeronautics, if you just bought a house, you would need a reliable homeowners insurance policy.

Independent insurance agents can assist you in searching for the best and most economical insurance coverage for your Tucson, AZ, home. Find an independent insurance agent near you to discover more, and you can soon start comparing personalized homeowners insurance quotes from a range of highly rated insurance advisers.

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

The average price of homeowners insurance in Arizona is lower than the national average, which makes the need for shopping around and comparing rates vital.

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

Clearly, you can only get a ballpark idea of the expected costs of annual homeowners insurance. Actual homeowners insurance prices can vary from one person to another. This tends to happen as insurance firms’ rates are calculated on a case-by-case basis according to a number of 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

Shopping around for car insurance rates allows you to select the homeowners policy offering the best coverage at the lowest possible price. Independent insurance agents in Tucson, AZ, make comparison shopping painless.

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

Your homeowners insurance policy is created to safeguard you against many of the threats you are liable to face as a homeowner in Tucson, AZ, which includes a broad assortment of catastrophic events such as severe storms and lightning damage.

You should make sure you are able to repair or rebuild your home by setting your insurance coverage options high enough in the event of a disaster.

Catastrophic events in Arizona:

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

Residents of Tucson, AZ, are at major risk for damage caused by severe storms, lightning damage, floods, flood damage, burglary and other property crimes, ice storms and freezing rain. Fortunately, these threats are all covered by most homeowners insurance policies. Nonetheless, it is essential to be aware that flood damage is not covered by homeowners insurance. This is accurate even if the flood is the direct result of a covered storm.

Residents near waterways such as the Santa Cruz or Rillito Rivers are extremely prone to floods, but flash flooding can occur just about anywhere. Incidentally, an independent insurance agent can assist you in boosting your coverage with a flood insurance policy.

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

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

Lawsuits take place all the time, and they can become very costly. For this reason, your homeowners insurance also provides you with personal liability coverage.

Homeowners insurance is meant to cover the expenses you may accrue if liable for damage related to a covered event. A few examples of conditions in which personal liability coverage may protect you include the following:

  • Your child is playing in the backyard and hits a baseball across the fence, striking a window and breaking it.
  • Your stud-horse gets into the neighbor’s field and impregnates his prized mare.
  • Your neighbor falls off your porch and breaks her arm.
  • Your BBQ grill catches on fire, burning up your porch.

An independent insurance agent in Tucson, AZ, can simplify your homeowners liability coverage.

If you want to strengthen your homeowners insurance with higher liability limits than currently allowed, your representative can also assist you in acquiring a relatively low-priced umbrella insurance policy. Umbrella insurance is a low-cost way to augment all of your liability coverages.

Does Homeowners Insurance Cover against Burglaries in Tucson, AZ?

The burglary rate in AZ, and in Tucson in particular, is much higher than the national average, which also puts you paying a higher rate of homeowners insurance.

  • Number of burglaries per 100,000 homes in the US: 376
  • Number of burglaries per 100,000 homes in AZ: 439.7
  • Number of burglaries per 100,000 homes in Tucson: 606.1

Being the target of a burglar is disturbing enough. But, if your Tucson, AZ, home is broken into, you may find some reassurance in knowing your homeowners insurance can provide recompense for your damages, as well as, for any other property damage they may have done to your home.

Home security systems are among the most effective theft prevention devices around and many insurance firms offer discounts to clients who have security systems installed in their homes. An independent insurance agent can aid you in searching for all the possible discounts for which you may qualify.

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

Whether you own a vacation home in Tucson, AZ, or you have a house nearby in Mesa that you rent out to young couples, if you're amongst the Tucson, AZ, residents who own more than one home, you will want to cover all your houses with a suitable homeowners insurance policy.

If you do not live permanently in your second home or vacation property, you may have added risks that insurance firms may take into consideration, which means that specific insurance options may be necessary. 

  • Second homes occupied by renters have greater liability and property damage risks. These houses require specific coverage options offered by landlord insurance.
  • Vacation homes left unattended for long periods have an increased risk of burglaries and property damage. Vacant home insurance may be required while the house is unoccupied.

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

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

The easiest way to find a great homeowners policy is to work with an independent insurance agent. These experts work for you, not for a specific insurance firm. This ensures you are getting dependable advice as you shop for the homeowners insurance coverage options you need for your Tucson, AZ, home.

Independent insurance agents in Tucson, AZ, are eager to help now. Contact an independent insurance agent near you to begin evaluating customized homeowners insurance quotes.

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