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Last updated on Sep 16, 2020

The Best Homeowners Insurance Companies in Arizona

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    If you’re in Arizona, you are fortunate to live in a state with affordable homeowners insurance premiums. But price is not everything when it comes to finding the best Arizona home insurance companies.

    To bring you the five best homeowners insurance in the state, we compared market share, customer satisfaction ratings, financial stability and the cost of Arizona homeowners insurance policies.

    We found that the best home insurance companies in Arizona are State Farm, Auto Owners, American Family, USAA and COUNTRY Financial. Take a closer look at why they made our best home insurance Arizona list and what each insurer has to offer.

    The 5 Best Homeowners Insurance Companies in Arizona


    Average Quote
    A.M. Best Financial StrengthJ.D. Power Overall Customer Satisfaction (use the 1,000-point scale)
    State Farm$911A++878
    Auto Owners$913A++889
    American Family$720A881
    USAA$679A++904
    COUNTRY Financial$2,019A+NR

    State Farm

    State Farm offers above-average customer support along with competitive pricing and solid coverage options. For those new to home ownership, its Simple Insights blog can tell you everything you need to know about home ownership in general.

    Best for Fast Claim Payments

    Why we chose it

    Providing a high-quality customer experience is only one of State Farm’s strengths. It also offers good policy coverages with add-ons to allow you to customize your policy.
    • 3.75 Reviews Score
    • A++ AM Best Rate AM Best rates car insurance provider’s creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
    • 878* J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.
    • B2 Moody’s Moody’s is an American financial services company that offers in-depth opinions on credit risks. Its ratings are based on a borrower’s ability to make interest payments.
    • AA Standard & Poor Standard & Poor’s (S&P) rates creditworthiness for businesses, countries and cities that issue bonds.

    Why we chose it

    Providing a high-quality customer experience is only one of State Farm’s strengths. It also offers good policy coverages with add-ons to allow you to customize your policy.

    Pros

    • Financially strong
    • Excellent web presence
    • 19,000+ agents nationally
    • Informative blog

    Cons

    • Limited discounts
    • Higher premiums
    Read More

    Discounts available

    • Multiple policy discount
    • Fire, smoke, or burglar alarms discount
    • Impact-resistant roof discount

    Unique features

    State Farm’s comprehensive website makes it easy to get a detailed quote in minutes. You can also pay your bill, file and manage a claim, and handle most maintenance tasks either online or via the company’s app.

    *J.D. Power 2020 U.S. Property Claims Customer Satisfaction Study, based on a 1,000-point scale

    Further Reading on State Farm:

    Auto Owners Insurance

    Auto Owners Insurance ranks high in customer satisfaction and provides customizable homeowners insurance policies so you can choose the coverage that works best for you. You can bundle auto, life and health insurance to save.

    Best for Vacation Homes

    Why we chose it

    Auto Owners Insurance has all the typical coverages and discounts you’d expect from the best home insurance Arizona providers. The insurer provides a unique coverage for homeowners who also have a vacation home and a seasonal dwellings discount. Supplement your policy by insuring your recreational equipment such as boats, golf gear and snowmobiles.
    • 4 Reviews Score
    • A++ AM Best Rate AM Best rates car insurance provider’s creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
    • 889* J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.
    • NR Moody’s Moody’s is an American financial services company that offers in-depth opinions on credit risks. Its ratings are based on a borrower’s ability to make interest payments.
    • NR Standard & Poor Standard & Poor’s (S&P) rates creditworthiness for businesses, countries and cities that issue bonds.

    Why we chose it

    Auto Owners Insurance has all the typical coverages and discounts you’d expect from the best home insurance Arizona providers. The insurer provides a unique coverage for homeowners who also have a vacation home and a seasonal dwellings discount. Supplement your policy by insuring your recreational equipment such as boats, golf gear and snowmobiles.

    Pros

    • High customer satisfaction claims ratings
    • Unique homeowners insurance discounts
    • 35,000 independent agents available nationwide

    Cons

    • Online services such as claims filings and purchasing a policy through the website are not available
    • Not rated by all credit agencies
    Read More

    Discounts available

    • Senior discount
    • Under construction discount
    • Seasonal dwellings discount
    • Automatic backup generator discount

    Unique features

    Flood and sewer drain backups are not covered under the standard homeowners policy, but Auto Owners offers them as add-ons.

    *J.D. Power 2020 U.S. Property Claims Customer Satisfaction Study, based on a 1,000-point scale

    Further Reading on Auto Owners Insurance:

    American Family Insurance

    American Family Insurance is a good choice for any type of homeowner, but especially shines for new homebuyers. The insurer’s affordable premiums and a variety of online learning resources are ideal for someone just getting started with purchasing their first home.

    Best for New Homebuyers

    Why we chose it

    American Family Insurance makes it easy to decide on what type of homeowners insurance you need. The website provides home insurance Arizona policy comparisons, calculators and inventory worksheets to help you get the right coverage.
    • 3.75 Reviews Score
    • A AM Best Rate AM Best rates car insurance provider’s creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
    • 881* J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.
    • A1 Moody’s Moody’s is an American financial services company that offers in-depth opinions on credit risks. Its ratings are based on a borrower’s ability to make interest payments.
    • A Standard & Poor Standard & Poor’s (S&P) rates creditworthiness for businesses, countries and cities that issue bonds.

    Why we chose it

    American Family Insurance makes it easy to decide on what type of homeowners insurance you need. The website provides home insurance Arizona policy comparisons, calculators and inventory worksheets to help you get the right coverage.

    Pros

    • Customizable coverage options
    • Good customer satisfaction ratings
    • Strong financial ratings
    • Helpful digital resources for new homebuyers

    Cons

    • Not BBB accredited
    • Limited availability
    Read More

    Discounts available

    • Smart home discount
    • Generational discount if your parents are policy holders
    • Renovated home discount

    Unique features

    American Family’s MyAmFam App was redesigned to make managing your homeowners insurance policy easier. Besides the number of discounts available, American Family Insurance’s homeowners insurance policies are some of the most affordable in Arizona.

    *J.D. Power 2020 U.S. Property Claims Customer Satisfaction Study, based on a 1,000-point scale

    Further Reading on American Family:

    USAA

    USAA appears at the top of rating lists for its excellent customer service, comprehensive policies, and fair prices. The only catch is that you must be a current or former member of the military community to purchase a policy — but if you are, the company should be your first stop.

    Best for Military Family Members

    Why we chose it

    USAA has earned a high reputation for quality and service within the military community. If you fit the demographic, getting a quote from USAA should be the first step in your search for great homeowners insurance.
    • 4 Reviews Score
    • A++ AM Best Rate AM Best rates car insurance provider’s creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
    • 904* J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.
    • Aa1 Moody’s Moody’s is an American financial services company that offers in-depth opinions on credit risks. Its ratings are based on a borrower’s ability to make interest payments.
    • AA+ Standard & Poor Standard & Poor’s (S&P) rates creditworthiness for businesses, countries and cities that issue bonds.

    Why we chose it

    USAA has earned a high reputation for quality and service within the military community. If you fit the demographic, getting a quote from USAA should be the first step in your search for great homeowners insurance.

    Pros

    • Outstanding customer service
    • Policies tailored to military family needs
    • Competitive pricing

    Cons

    • Only available to current and former military members and their families
    • Limited discounts
    Read More

    Discounts available

    • Save 10% if you bundle with auto
    • Claims-free 10% discount
    • Home security system discount

    Unique features

    USAA’s policies are written with service men and women in mind. This means they have details that anyone in the military can appreciate, such as full coverage for uniforms for active duty or deployed members.

    *J.D. Power 2020 U.S. Property Claims Customer Satisfaction Study, based on a 1,000-point scale

    Further Reading on USAA:

    COUNTRY Financial

    COUNTRY Financial offers home insurance, as well as a variety of other types of policies and financial services. If you’d like to have all your insurance coverage in one place, you’ll save time and money by working with a single insurer.

    Best for Bundling Insurance

    Why we chose it

    COUNTRY Financial makes shopping for Arizona homeowners insurance easy. If you easily get overwhelmed by options, all you need to do is choose from one of three policies — a standard Basic policy, Premier insurance with a few additions for the contents of your home and a Combined policy with additional coverages for both your belongings and home.
    • NR** Reviews Score
    • A+ AM Best Rate AM Best rates car insurance provider’s creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
    • NR J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.
    • NR Moody’s Moody’s is an American financial services company that offers in-depth opinions on credit risks. Its ratings are based on a borrower’s ability to make interest payments.
    • NR Standard & Poor Standard & Poor’s (S&P) rates creditworthiness for businesses, countries and cities that issue bonds.

    Why we chose it

    COUNTRY Financial makes shopping for Arizona homeowners insurance easy. If you easily get overwhelmed by options, all you need to do is choose from one of three policies — a standard Basic policy, Premier insurance with a few additions for the contents of your home and a Combined policy with additional coverages for both your belongings and home.

    Pros

    • Pre-bundled homeowners insurance policies
    • 24/7 claims service
    • A variety of discounts available

    Cons

    • No mobile app for homeowners insurance
    • Not rated in customer satisfaction or financial standing by some of the top companies
    Read More

    Discounts available

    • Multi-policy discount
    • Age of electrical wiring
    • Safe heating discount

    Unique features

    COUNTRY Financial prides itself in being a smaller, more personalized insurer. The company limits homeowners insurance coverage to just a few states, but those who qualify have access to a solid product and a variety of additional insurance coverages and investments.

    *J.D. Power 2020 U.S. Property Claims Customer Satisfaction Study, based on a 1,000-point scale

    **Some providers may not have enough third party information to calculate a score.

    Average Cost of Homeowners Insurance in Arizona

    According to the NAIC, the average cost of homeowners insurance in Arizona is $847 a year, $350 lower than the national average of $1,211. The price of your personal quote, however, depends on several factors, including if you live in an area prone to unpredictable weather and the size and age of your house. Arizona has a fairly low risk for natural disasters compared to states such as California and Florida, which translates into savings in premiums for homeowners in Arizona.

    Home Insurance Add-Ons That Will Further Protect You

    Arizona is susceptible to certain natural disasters such as flooding. Homeowners policies rarely cover flood insurance, so expect to purchase it as an add-on. Another concern for Arizona residents is earthquakes. Arizona has a seismic belt that runs from the northwest to the southeast. Homeowners insurance doesn’t cover earthquakes by default, so earthquake insurance has to be added separately.

    The Cheapest Homeowners Insurance Companies in Arizona

    Homeowner  Insurance CompaniesAverage Annual Premium
    Progressive$447
    Nationwide$578
    CSAA Fire and Cas Ins Co$607
    USAA$679
    American Family Insurance$720
    Farm Bureau Prop & Cas Ins Co$748
    State Farm$911
    Auto-Owners Insurance$913
    Encompass$985
    Allstate$1,133
    Armed Forces Ins Exch$1,143
    Farmers$1,187
    Metropolitan Insurance$1,207
    Chubb$1,399
    Travelers$1,522
    Country Financial$2,019
    Average Across Credit Rating Tiers $1,012

    Cost of Homeowners Insurance by Age of Home

    Age of Home TierAverage Annual Premium
    0-10$1,002
    10-25$1,397
    25-50$1,421
    50+$1,398
    Average Age of Tier$1,305

    Top 3 Cheapest Homeowners Insurance Companies in Arizona

    • Progressive – $447
    • Nationwide – $578
    • CSAA Fire and Casualty Insurance Company – $607

    Top 3 Most Expensive Homeowners Insurance Companies in Arizona

    • COUNTRY Financial – $2,019
    • Travelers – $1,522
    • Chubb – $1,399

    The cheapest homeowners insurance companies in Arizona are Progressive, Nationwide, and CSAA Fire and Casualty Insurance Company. The most expensive homeowners insurance companies are COUNTRY Financial, Travelers, and Chubb. 

    These average annual premiums are based on general profiles. To find the best value for the coverage you need, contact each company that you’re interested in and request a personalized quote that fits your circumstances.

    Homeowners Insurance FAQ

    Is homeowners insurance required in Arizona?

    No state law requires Arizona residents to have homeowners insurance. But your mortgage company may require you to purchase homeowners insurance to protect its assets.

    What is the cheapest homeowners insurance in Arizona?

    The cost of home insurance in Arizona varies depending on each purchaser’s individual situation. We used a general profile to gauge each company’s average annual premium. Based on the profiles used, the cheapest homeowners insurance in Arizona is Progressive, which costs an average of $447 per year.

    What affects Arizona homeowners insurance prices?

    The Arizona Department of Insurance explains that there are three factors that affect premiums for home insurance Arizona policies. They are: type of home construction (brick houses are cheaper to insure in Arizona than frame houses), age of the house and local fire protection.

    How We Selected the Best Home Insurance Companies

    We evaluated the companies based on their customer rating and experience, financial stability, and coverage to determine the best providers. To compare home insurance companies across the board, we then calculated a Reviews.com score based on the following:

    • Customer Ratings– Customer ratings are an indication of satisfaction with the process of filing a claim. We measured this using J.D. Power Homeowners Satisfaction ratings.
    • Coverage– As there isn’t one company to fit everyone’s needs, we evaluated companies by the amount of coverage options and add-ons available. 
    • Confidence– It is extremely important for insurance companies to fulfill customers’ claims. Companies with sound financial strength will not have issues paying out claims, regardless of the amount. However, companies with weak financial strength might not be able to pay out claims. We measured this using AM Best’s ratings, which specializes in assessing the financial strength of insurance companies.
    • Customer Experience– The amount of complaints a company receives is an indicator of the overall customer experience as it expresses dissatisfaction. We have based this measure on the NAIC National Complaint Index.

    About the Authors

    Cynthia Paez Bowman is a home and personal finance writer with a degree in International Business and Journalism from American University. She’s written about internet and TV for MYMOVE, Freshome and Safety.com.