Reviews Report
- Auto-Owners is our choice for the best home insurance for customer service in Arizona.
- The average cost of Arizona home insurance is $1,189 according to data.
- Homeowners insurance in AZ is cheaper than the national average of $1,312.
Homeowners insurance is not a legal requirement in Arizona, but homeowners in the Grand Canyon State may be required to have it as part of their mortgage contract. Overall, home insurance protects your finances from damages or loss to your home and personal belongings, as well as providing financial protection from your liability in the event of a bodily injury claim.
Dozens of home insurance companies serve homeowners in Arizona. If you are buying home insurance for the first time, or are thinking about switching to a new provider, it is important to do some research to find the right fit. Not all Arizona home insurance companies are created equal, and the best provider for you might not be the best option for your neighbor.
To help you in your search for the best home insurance companies in Arizona, we used our in-house methodology to compare discounts, coverage options, and third-party ratings for some of the most popular providers. We also used 2021 data from Bankrate.com to calculate the average home insurance premium for each Arizona home insurance company.
Compare quotes from carriers that provide home insurance in Arizona to make sure you get the best homeowners insurance rates available.
The 6 Best Home Insurance Companies in Arizona
- Auto-Owners: Best for Customer Service
- USAA: Best for Military-Focused Coverage
- Allstate: Best for Perks
- American Family: Best for Discounts
- Travelers: Best for Customization
- State Farm: Best for Policy Management
Compare the Best Home Insurance Companies in Arizona
| Average Annual Premiums* | AM Best AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim. | J.D. Power Customer Satisfaction** J.D. Power scores are based on surveys for customer satisfaction and product quality. | ||
|---|---|---|---|---|
| Pin Auto-Owners | $1,025 | A++ | 831 | |
| Pin USAA | $610 | A++ | 882 | |
| Pin Allstate | $1,224 | A+ | 829 | |
| Pin American Family | $1,097 | A | 831 | |
| Pin Travelers | $1,705 | A++ | 800 | |
| Pin State Farm | $1,014 | A++ | 835 |
Information accurate as of October 2021
*Data provided by Bankrate.com
**J.D. Power 2021 Home Insurance Satisfaction Study. Based on a 1,000-point scale.
Best for Customer Service: Auto-Owners
Why we chose it
Why we chose it
Pros
- Nearly a dozen possible discounts
- Guaranteed home replacement cost coverage
- Low customer complaint and high customer satisfaction rating
Cons
- No online or mobile claims capabilities
- No online quotes available
Add-on Coverage
- Identity theft
- Sewer or drain backup
- Ordinance or law coverage
- Extended personal property
- Equipment breakdown
- Guaranteed home replacement
Available Discounts
- Multi-policy
- Pay in full
- Paperless billing
- Mortgage-free
- Protective devices
- Automatic backup generator
- Advance quote
- Water shut-off system
- Favorable loss history
- Pay on time
More Auto-Owners Insurance Reviews
Best for Military-Focused Coverage: USAA
Why we chose it
Why we chose it
Pros
- Strong financial and customer satisfaction rankings
- Low NAIC customer complaint index
- Mobile claim filing and tracking
Cons
- Limited available discounts
- Limited additional coverage options
- Only available to military members
Add-on Coverage
- Home sharing
- Earthquake
- Identity theft
Available Discounts
- Multi-policy
- Claims-free
- Home security system
More USAA Insurance Reviews
Best for Perks: Allstate
Why we chose it
Why we chose it
Pros
- More-than-average additional coverage options
- Claims-free rewards
- Digital home inventory app available
Cons
- High customer complaint ratings
- Average customer satisfaction ratings
Add-on Coverage
- ID theft
- Eco-friendly improvements
- Sports/musical equipment
- Yard and garden
- Water backup
Available Discounts
- Auto-pay
- Homebuyer
- 10% welcome discount
- Early signing
- Multi-policy
- Responsible payer
- Claims-free
- Easy payment plan
- Protective devices
More Allstate Insurance Reviews
Best for Discounts: American Family
Why we chose it
Why we chose it
Pros
- Personalized coverage available
- Plenty of discounts
- Digital tools and resource available
Cons
- Lower financial stability than competitors
Add-on Coverage
- Equipment breakdown
- Matching siding protection
- Sump pump and water backup
- Credit theft
Available Discounts
- Multi-policy
- Smart home devices
- New home
- Renovated home
- Auto
- Full pay
- Paperless payment
- Loyalty
- Generational discount
More American Family Insurance Reviews
Best for Customization: Travelers
Why we chose it
Why we chose it
Pros
- Eco-friendly coverage
- Accurate online quote tool
- Generous discounts
Cons
- Can’t purchase policy online
- Lower customer satisfaction than competitors
Add-on Coverage
- Special personal property
- Jewelry and valuable items
- Identity fraud
- Contents replacement cost
- Personal articles floater
- Green home coverage
- Additional replacement cost protection
- Water backup and sump pump discharge
Available Discounts
- Multi-policy
- Home buyer
- Loss-free
- Protective devices
- Green home discount
More Travelers Insurance Reviews
Best for Policy Management: State Farm
Why we chose it
Why we chose it
Pros
- User-friendly website
- Informational blog
- Strong financial stability ratings
- Good customer service ratings
Cons
- Limited discounts advertised
Add-on Coverage
- Water seepage
- Mold
- Earthquake
- Personal property
- Flood
- Replacement cost
Available Discounts
- Multi-policy
- Home security device
- Impact-resistant roofing
More State Farm Insurance Reviews
* Data provided by Bankrate.com
**J.D. Power’s 2021 U.S. Home Insurance Study. Based on a 1,000-point scale.
Average Cost of Homeowners Insurance in Arizona
The average cost of homeowners insurance in Arizona is $1,189 per year, according to 2021 average annual premiums from Bankrate.com, making it one of the cheaper states in the U.S. for home insurance. For comparison, the average premium in the U.S. is $1,312 per year.
However, each Arizona homeowners’ insurance rate will vary depending on the location and age of the home, as well as its condition and the value of the belongings inside. Discounts, such as bundling homeowners insurance with auto, will also affect premium price. Adding on additional coverages, called riders or endorsements, will give greater coverage, but at a cost.
Although the state’s weather may include both extremely hot and cold weather, the state is not prone to earthquakes, hurricanes, or other natural disasters, which can lead home insurance companies in Arizona to increase premium costs. Flooding may occur in some locations after heavy rainfall, but floods are not covered by most popular HO-3 policies.
Average Premium from Homeowners Insurance Companies in Arizona
| Homeowner Insurance Companies | Average Annual Premium* |
| USAA | $610 |
| Progressive | $674 |
| Nationwide | $689 |
| AAA | $706 |
| State Farm | $1,014 |
| Auto-Owners | $1,025 |
| Iowa Farm Bureau | $1,055 |
| American Family | $1,097 |
| Chubb | $1,147 |
| Armed Forces Ins Exch | $1,171 |
| Allstate | $1,224 |
| Travelers | $1,705 |
| Farmers | $1,866 |
| Country Financial | $2,906 |
*Based on $250,000 in dwelling coverage
Top 3 Cheapest Homeowners Insurance Companies in Arizona
- USAA – $610
- Progressive – $674
- Nationwide – $689
Top 3 Most Expensive Homeowners Insurance Companies in Arizona
- Country Financial – $2,906
- Farmers – $1,866
- Travelers – $1,705
Our review of Bankrate’s data revealed that, on average, the cheapest homeowners insurance companies in Arizona are USAA, Progressive, and Nationwide. The most expensive Arizona homeowners insurance companies are Country Financial, Farmers, and Travelers, based on our analysis.
However, keep in mind these are average annual premiums 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.
Common Home Insurance Perils in Arizona
As noted, Arizona is not prone to widespread natural disasters such as hurricanes, making it an inexpensive state for homeowners insurance. Arizona is prone to flooding, however, especially in the vicinity of the state’s largest rivers: the Colorado, Salt, Gila, and Verde Rivers. Flash floods are not unknown in the state and may be worse in desert-like areas since the ground is unable to absorb water quickly.
Often accompanied by flash floods, Arizona residents may also face landslides and debris flows, depending on where they are located. Less common but still possible are earthquakes, and Arizona is also home to three active volcanic fields that, while stable, do contain a small risk of home damage.
Add-on home insurance coverage in Arizona
Arizona homeowners who are in a flood zone should consider purchasing optional flood insurance. This is sold most often through the government, as part of the National Flood Insurance Program. Most insurers, including our top choices for homeowners insurance in Arizona, offer this coverage and manage the flood insurance policy along with regular homeowners insurance.
To determine what coverages a policyholder already has, check the policy’s declaration page. This will outline what the policy covers currently, allowing the policyholder to decide if they need additional add-ons to be adequately covered in a disaster.
Here are a few state-sponsored resources to help in dealing with disasters in Arizona:
- Arizona Department of Water Floodplain Management
- Arizona Emergency Information Network
- University of Arizona Center for Natural Hazards
Arizona Home Insurance FAQ
Methodology
We evaluated Arizona home insurance companies based on availability, customer satisfaction, financial stability, and coverage to create our best home insurance reviews. To compare home insurance companies with other providers across the board, we review the companies based on the following:
- Coverage: The more options a home insurance company has for insurance add-ons and coverages, the higher it scores in our methodology.
- Customer Experience: We reviewed the National Association of Insurance Commissioners’ National Complaint Index and compared each homeowners insurance company’s complaint rating.
- Customer Satisfaction: With J.D. Power’s 2020 Home Insurance Satisfaction Study, we assigned a score to each company based on the rating it received.
- Financial Stability: Reviews.com utilized AM Best ratings to assign a score based on each home insurance company’s financial stability.
- Discounts: We reviewed and compared the number of discounts advertised on each home insurance company’s website. The more available discounts, the higher the score in this metric.
Rates are based on quoted annual premiums from Bankrate.com. These are sample rates and should be used for comparative purposes only. Your quotes may be different.
The coverage limits for home insurance rates reflect the following coverage and limits:
- Coverage A, Dwelling: $250,000
- Coverage B, Other Structures: $25,000
- Coverage C, Personal Property: $125,000
- Coverage D, Loss of Use: $50,000
- Coverage E, Liability: $300,000
- Coverage F, Medical Payments: $1,000
The homeowners also have a $1,000 deductible and a separate wind and hail deductible (if required).
About the Authors
Mary Van Keuren has been covering auto and home insurance for Reviews.com for nearly five years, and has published numerous reviews of state-specific insurance trends and how to find the best insurance deals for your money. She earned B.S. and M.A. degrees from Nazareth College in Rochester, N.Y. and has been writing professionally, both in print and online, for 30+ years.
