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Arizona Homeowners Insurance Quotes
Arizona has it all.
It doesn't matter if you are looking for a bustling city or a quiet day in the mountains, the Grand Canyon state has you covered. Our landscapes range from hot deserts to snow covered mountain peaks. Combine all of this natural beauty with world-class shopping and trendy restaurants and you start to understand what makes Arizona so special.
When its time to get outside Arizona has dozens of state parks and of course, one of the most beautiful National Parks in the country, The Grand Canyon.
Arizona also has plenty of family activities. We have zoos, the Arizona Science Center, wildlife parks and tons of water activities. Swimming, rafting and boating are just a few things that you can do at Lake Powell or Lake Mead.
All of this makes Arizona not just a great place to visit, but a lovely place to put down some roots and raise a family.
Arizona Homeowner Facts
Arizona is a big state that covers a significant amount of land. It is the sixth largest state in the country and has the 14th largest population in the country, with an estimated 6,828,065 people calling Arizona home. This is a 6.82 percent increase since the 2010 Census.
In Arizona there are roughly 4,277 households per zip code and an average of 3 people per household. In 2014, the average household income was $50,068. This puts it slightly under the national median of $53,657.
According to Zillow, the median price for a home in Arizona is currently a very affordable $204,500. This is an increase of 7.4 percent over last year and Zillow predicts home prices are headed up an additional 3 percent in the coming year.
Like most states, home costs vary dramatically depending on where you decide to put down roots. Homes in Scottsdale, an upscale section of Phoenix average a whopping $ 410,000 while Tucson is much more affordable at $148,000.
Homeowners Insurance in Arizona
Homeowners insurance in Arizona is extremely affordable with a yearly premium coming in at $695, which is 31 percent less than the national average of $952 according to Value Penguin.
It is possible to push the cost of homeowners insurance even lower. Bundling your coverages, your home and auto insurance with the same insurer can result in a discount of up to 20 percent. Replacing an aging roof, adding a monitored security system or putting in a sprinkler system can all result in a huge discount.
We can help you find the best policy for your needs. Use our site to compare multiple quotes from numerous insurers after filling out our quick and easy quoting application. Get up to 12 home insurance quotes to review and compare today!
Factors to Consider in Arizona
Crime rates in Arizona run just a hair above average with a rate of 4 violent crimes per 1,000 residents. The national average is 3.8. When it comes to property crimes, Arizona has a total of 31.98 crimes per 1,000 residents versus the national average of 26.
Crime rates will impact homeowner premiums so when you are considering neighborhoods be sure to check out the local crime rates. If crime is high, consider another neighborhood.
Luckily, Arizona is not prone to many natural disasters, which is one of the reasons that homeowners insurance is so reasonable. Earthquakes are rare, as are tornadoes and obviously hurricanes do not occur in Arizona. While natural disasters are rare, that doesn't mean they are non-existent. Wildfires occur fairly often in the forested areas of the state, severe thunderstorms, dust storms and flash floods are also frequent occurrences.
Depending on where you decide to live, flood insurance may be necessary if flash floods happen on a regular basis. Flood damage is not covered by a regular homeowners policy so in order to be fully protected a separate flood policy may be your best bet. Before purchasing a home, call your local insurance agent and request a quote about any potential properties so there are no costly surprises when it comes time to close on your new home.
It doesn't matter if you are moving to Phoenix, Tucson, Flagstaff or Tempe, if you are making Arizona your home, you will need a new homeowners policy. Our home insurance shopping service is free and easy to use. Save time and compare up to 12 competitive Arizona home insurance rates so you can find great coverage at an affordable price.
Average Homeowners Insurance Premiums in Arizona
With over 95% of all Americans are known to have homeowners insurance coverage, it's important to know what Arizona homeowners are paying on average. Did you know that the average homeowners insurance premium in Arizona is $866? Arizona is now ranked 46 in the country. The country wide average for homeowners in the United States is $1,311. This means the average home insurance premium in Arizona is 33.94% less than the national average.
| Year | Average Annual Premium | Average Monthly Premium | State Rank (Overall) |
|---|---|---|---|
| 2020 | $866 (1.9%) | $ 72 | 46 |
| 2019 | $850 (0.8%) | $ 71 | 46 |
| 2018 | $843 (2.16%) | $ 70 | 46 |
| 2017 | $825 (2.7%) | $ 69 | 46 |
| 2016 | $803 (-0.87%) | $ 67 | 46 |
When we combine the state averages over the last decade, the Arizona overall average is estimated to be around $822.60. Our homeowners insurance quoting and rating process helps you compare homeowners insurance quotes, coverages and premiums. Arizona current state rank compare to the rest of the country is #46. Consider shopping your Arizona home insurance with us so we can help you save up to 40% or more on your policy.
Arizona Homeowners Insurance News & Information
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Can $600 Million Help Lower Florida Homeowners Insurance Rates? Posted on Friday 14th February, 2025
Family relax on the couch. Happy beautiful young parents are smiling, hugging and playing with them kids at home together Governor DeSantis recently asked the legislature for over $600 million to help lower homeowners insurance in his 2025-26 budget request. The budget proposal asks for $590 million to go towards the My Safe Florida Home […]
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North Carolina Homeowners’ Insurance Premiums May See a 15% Increase Posted on Thursday 23rd January, 2025
The base rate for North Carolina homeowners insurance will be headed up by an average of 15% by the middle of 2026. The rate increases are part of a settlement that was reached with the insurance industry by the North Carolina Insurance Department. The state Insurance Commissioner Mike Causey recently announced the rate increase agreement […]
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2025 Florida Home Insurance Rates Could Increase Posted on Tuesday 14th January, 2025
While many state legislators, industry leaders and insurance regulators have been claiming that the insurance market in Florida has stabilized, it looks like premiums may be headed up again in the near future. According to an analysis by the South Florida Sun Sentinel, the average statewide premium, being paid for an all-perils single-family home policy […]
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Economists Top 5 Housing Predictions for 2025 Posted on Monday 6th January, 2025
Housing costs are currently sky-high, regardless of whether you are renting or in the market to buy a home. According to the latest data from the U.S Cenus, the median sales price for a single-family home was $437,300, which is up from $426,800 a month prior. On the rental front, the median price for rent […]
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Do homeowners insurance policies have loopholes? Posted on Monday 30th December, 2024
Homeowners insurance is a necessity to help protect your home, but there can be coverage gaps that you may not be aware of which can leave you unprotected. Flood and earthquake damage along with mold and other issues are excluded from most standard homeowners insurance policies. Here are some common exclusions that could leave you […]
Arizona Housing & Real Estate Data
| Details: | Staticstics |
|---|---|
| Total Housing Units | 2844526 |
| Occupied Housing Units | 2380990 |
| Vacant Housing Units | 463536 |
| Vacant Housing Units for Rent | 120490 |
| Vacant Housing Units Rented Not Occupied | 5449 |
| Vacant Housing Units For Sale | 64407 |
| Vacant Housing Units Sold Not Occupied | 10550 |
| Vacant Housing Units For Seasonal Occasional Use | 184327 |
| Vacant Housing Units All Other Vacants | 78313 |
| Housing Units Homeowner Vacancy Rate Percent | 3.9 |
| Housing Units Rental Vacancy Rate Percent | 12.9 |
| Housing Tenure Occupied Units | 2380990 |
| Housing Tenure Occupied Units Owner Occupied | 1571687 |
| Housing Tenure Occupied Units Owner Occupied Population | 4134117 |
| Housing Tenure Occupied Units Owner Occupied Averge Household Size | 2.63 |
| Housing Tenure Occupied Units Renter Occupied | 809303 |
| Housing Tenure Occupied Units Renter Occupied Population | 2118516 |
| Housing Tenure Occupied Units Renter Occupied Average Household Size | 2.62 |
Understanding Arizona Homeowners Insurance
When shopping for Arizona homeowners insurance quotes you should be aware of the various types of insurance policies that are available in your area:
- HO-3: This is the most common type of homeowers policy. This policy type protects your home against all perils, except ones that are specifically excluded. In most cases earthquake and flood damage are excluded.
- H0-6: This policy type is specifically written for condos or co-ops. If you own a condo or live in a co-op building this type of policy is a necessity. A HO-6 policy covers both your personal belongings and the structural parts of the building that you own. There are 16 disasters listed on a typical policy that HO-6 protects against.
- HO-4: If you are looking for Arizona renters insurance, a HO-4 policy is a great option. Renters insurance will cover your contents as well as offer liability coverage in the event a person is injured in your apartment.
While other types of policies exist, these are the most common ones. A HO-2 is a more basic policy that offers reduced coverage levels and a HO-5 is a high-end policy that offers increased protection.
If you are shopping for a new home in Arizona, homeowners insurance is a must do. We can help you find the perfect policy for your new home, regardless of whether you need a standard HO-3 policy, HO-6 or renters insurance, our site makes shopping for homeowners insurance quotes easy. Visit our online quoting application today and let us help you shop and compare up to 12 different Arizona rates and coverage options.