Best Home Insurance in Arizona (2023)

Compare personalized Home insurance rates in Arizona

Home Insurance in Arizona

Are you shopping for homeowners insurance in Arizona and wondering where to start? There are so many options and concerns to think about when making this decision. Cheap homeowners insurance tends to be a priority for many people, but you also want to consider meeting Arizona homeowners requirements. To make it all easy for you to navigate, just continue to read on here.

Home Insurance Companies in Arizona

Finding the top rated homeowners insurance companies in Arizona is very important. It can help you to get the best levels of coverage at the lowest prices. Homeowners insurance agencies in Arizona range widely in what they offer. That’s why it is so important for you to compare several companies before making a buying decision. The best home insurance companies in Arizona give you several options, allowing you to select what works best for your needs. And, if you choose to use independent home insurance agents in Arizona, they can help by giving you quotes for several insurers.

How to Get the Best Rates for Home Insurance in Arizona

To get started, you need to request quotes. However, you also need to know who each of your options are. To do that, enter your zip code here.


<zipcode>Find The Cheapest Home Insurance In Your Area:</zipcode>


How Much Does Homeowners Insurance Cost in Arizona?

Finding the cheapest home insurance in Arizona isn’t possible if you do not know what the normal range of prices is. The average annual premium in Arizona is $810. That’s significantly lower than the national average in the United States, which is $1,173. Still, it’s essential to get home insurance quotes in Arizona for your property to get a clear understanding of your costs.


<twitter>The average annual premium in Arizona is $810. That’s significantly lower than the national average in the United States, which is $1,173.</twitter>


List of Homeowners Insurance Companies in Arizona

It’s easy to get this information. When you enter your zip code above, you’ll have a full list of available insurers serving your area.

How Homeowners Insurance Is Calculated in Arizona

Insurance company prices are based on risk. A home with a large number of risks costs more to insure than one with fewer. Risks are based on the home itself, such as the type of siding you have and the size. However, community-wide information matters, too. That includes the following information.


<qa>1;Crime;Crime rates in Arizona are a bit higher. There are, on average, 5.08 violent crimes in the state each year for every 1,000 residents. Nationally, the crime rate is 4. Property crime events occur 29.15 times per 1,000 residents. That’s also above the national average of 24.</qa>

<qa>2;Weather/Climate;Weather in Arizona can be a key factor in risks. Most climate extremes here are things like drought, dust storms, flooding, extreme heat, and earthquakes. Some of these can put your home at risk, increasing your costs.</qa>

<qa>3;Home Values;A home’s value matters, too. The median home value in March of 2019 in Arizona was $252,300, which is a bit above average for the country.</qa>

Home Insurance Requirements in Arizona

It’s important to understand your policy and coverage. If you have specific questions about insuring your home, be sure to ask your insurer. Here are some key common questions consumers ask.

Is Homeowners Insurance Required in Arizona?

The law does not require you to have home insurance in Arizona. However, nationally, nearly all lenders do. If you have a mortgage or a lien on the home, you will need to have insurance coverage for it.

What Does Home Insurance Cover?

You can customize your coverage to meet your needs. Most property insurance covers the structure of the home. You can add on your garage or other buildings. It also covers your personal property and the items you store in your home. These policies include liability insurance, too.

Homeowners Insurance for New Properties in Arizona

Arizona new home insurance policies are a bit more expensive than those for older homes. That’s because of the value of these homes is higher. You’ll be required to maintain coverage if you have a mortgage on your new home.

Homeowners Insurance for Old Properties in Arizona

Don’t make the mistake of canceling your policy if you paid off your loan. Old homes need coverage, too. A fire from a lightning strike could leave you exposed to loss if you do not have insurance.

Renters Insurance in Arizona

It’s possible for your landlord in Arizona to require you to have renter’s insurance to live in their property. The state doesn’t require it, but landlords have the legal right to do so under state laws.

Renter’s insurance is affordable here and generally $50 a month. It covers your personal possessions and liability risks.


<zipcode>Compare Renters Insurance in Arizona</zipcode>


Compare Home Insurance in Arizona by City

How can you get the cheapest home insurance in Arizona? You need to compare your options. The following details can give you more insight into what insurers may charge. Compare home insurance quotes in your community, too.


<qa>1;Home Insurance Quotes in Phoenix, Arizona; A large community of 1,626,078 people, Phoenix is a modern city with an urban, upscale lifestyle. Home values here are $242,300 on average.</qa>

<qa>2;Home Insurance Quotes in Tucson, Arizona; Tucson has long attracted those looking for a higher quality of life. That’s why 535,677 people live here. The median home value here is more affordable at $187,800, which is another reason people choose to call it home.</qa>

<qa>3;Home Insurance Quotes in Mesa, Arizona; There are over 496,401 people living in Mesa. This modern and larger city is growing, too. The median home value here is $250,800 people.</qa>

<qa>4;Home Insurance Quotes in Chandler, Arizona; Chandler’s population is 253,457 people. New development is helping it grow. You can expect home values here to be a bit higher as a result. The median value is $316,200.</qa>

<qa>5;Home Insurance Quotes in Scottsdale, Arizona; There are 249,950 people that call Scottsdale home. It’s a growing financial sector and economy in this region. It’s home values are some of the highest in the state at $479,500.</qa>


Bonus: Most Expensive Homes in Arizona

You may want a cheap insurance policy for your home. Can you imagine insuring one of these, the most expensive homes in the state?

  • Choose a 4.5-acre home on N. Wilkson Road in Paradise Valley. It’s valued at $18 million.
  • A 20,805-square-foot home on N. 108th Place in Scottsdale is valued at $17.995 million.
  • There’s also a 14,000-square-foot home on E. Nauni Valley Drive in Paradise Valley valued at $10.8 million.