The Best Homeowners Insurance in Arizona [2023]

The average cost of homeowners insurance in Arizona is $2,224 per year according to Insurance.com, which compares favorably to the country’s $2,777 average. 

Although Arizona policyholders enjoy lower premiums than the rest of the country on average, your cost of homeowners insurance can vary significantly based on a few key factors:

• The age of your home: Is your Arizona home older and more at risk of structural damage?

• The square footage of your home: How big is your home? In general, larger homes come with more expensive insurance premiums.

• The materials used to build your home: Was your Arizona home built using long-lasting materials? Are the materials susceptible to things like rotting or wear and tear?

• Building costs in your area: Since insurance deals with repairs and replacement, coverage rates increase with higher building costs.

• Your home’s location: What are crime rates like? How close are you to a fire department? Are you in a flood zone?

• Any additional features: Does your house have a swimming pool or hot tub that could be hazardous for guests? Do you have pets, and if so, what are their breeds? Insurers may look at these factors as potential risks when assessing prices.

• Your deductible: A higher deductible will lower your premiums, but you could pay more if you file a claim. Talk to your insurance provider about lowering deductibles to get the best plan that suits your budget.

• Your claims history: If you’ve filed claims in the past, insurers may charge you higher coverage costs. If not, you may be eligible for discounts or a claims-free deductible.

After extensive research, we at Expertise.com found the following insurance agencies to provide the best, comprehensive coverage in Arizona:

USAA

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Average Annual Rate: ~$1,200

Notes: Best option for qualifying members (active military, veterans, and their families)

State Farm

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Average Annual Rate: ~$1,400

Notes: Largest carrier and great digital user experience, but higher than average customer complaints

Chubb

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Average Annual Rate: ~$1,600

Notes: More expensive but most comprehensive coverage and high customer satisfaction

Nationwide

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Average Annual Rate: ~$1,350

Notes: Great for new homeowners but below average customer service scores

ASI Progressive

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Average Annual Rate: ~$1,100

Notes: Most affordable option for those who need basic coverage, but low customer satisfaction

The cheapest homeowners insurance coverage in Arizona is ASI Progressive for a policy with $300,000 in dwelling and liability coverage, with a $1,000 deductible. 

Of course, prices vary depending on each person’s unique scenario. Still, if cost is the most important factor for you, check ASI Progressive’s coverage options in Arizona first.

Below, we tackle some common questions to help you make a more informed decision about which homeowners insurance to choose in Arizona specifically.

• Is Arizona Homeowners Insurance a Requirement?
• What Does Homeowners Insurance in Arizona Cover?
• Which Additional Coverages Are Recommended in Arizona?
• How Do I File a Complaint?

As we’ve pointed out, the price you pay for homeowners insurance can vary substantially across insurers. 

Here are a few ways to reduce costs:

• Increase your deductible. This helps reduce monthly costs to your insurer but could mean paying more out-of-pocket if you need to make a claim. Similarly, paying your 6-month or 1-year premium in full will lower your monthly costs.

• Bundle policies. Bundling your home and auto insurance can help you save up to 10%-20% on your premiums in Arizona. Talk to your insurance provider about home and car insurance bundling options and how that helps you save.

• Take the necessary steps to make your home disaster-resistant. Some examples include:

  • Install a smoke detector and/or fire alarm.

  • Get a burglar alarm and/or dead-bolt locks.

  • Install a sprinkler system.

  • Install impact-resistant windows. 

• Nix the high-risk accessories. Check your home for items that are considered “high risk.” For example, if the kids are off to college, it could be time to remove that trampoline in the backyard.

• Seek out other discounts. Some things to explore:

  • Do you work from home? Insurance providers may feel you’re less at risk of theft or may spot a fire or flood sooner.

  • If you’re retired, you may qualify for a discount. 

  • Does your employer offer a group deal?

  • Choosing paperless billing is an easy way to help you save.

  • Some insurers will offer you a loyalty discount if you keep a policy with them for multiple years.

• Keep good credit. Insurers may consider a policyholder’s credit history and charge less if you show good financial strength and standing.

Be sure to consult your insurance agent to see which of the above discounts you qualify for.

At Expertise.com, our goal is to connect Arizona residents with the best local experts and agencies, so you can find the home insurance policy that safely insures your home and most prized possessions. 

View our list of the 16 best homeowners insurance agencies here. 

Learn more about the best homeowners insurance options in your respective Grand Canyon State cities below:

• Avondale Homeowners Insurance

• Chandler Homeowners Insurance

• Gilbert Homeowners Insurance

• Glendale Homeowners Insurance

• Goodyear Homeowners Insurance

• Mesa Homeowners Insurance

• Peoria Homeowners Insurance

• Phoenix Homeowners Insurance

• Scottsdale Homeowners Insurance

• Surprise Homeowners Insurance