Updated: November 5, 2024
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Auto-Owners Insurance is the overall top home insurer in Arizona. State Farm is the most cost-effective option, ideal for budget-conscious and new homeowners. For higher dwelling coverage limits, American Family is the best choice. Our comparisons use a $100,000 dwelling coverage limit, but other coverage amounts can impact your premium.
MoneyGeek also analyzed the cheapest home insurance providers in Arizona for those prioritizing budget over service quality.
Best HomeInsuranceArizona
Why Trust MoneyGeek? We analyzed data from the Arizona Department of Insurance and Quadrant Information Services to identify the best homeowners insurance options in the state.
Home insurance rates in Arizona represent the latest quotes as of July 2024.
Auto-Owners Insurance provides the best homeowners insurance in Arizona.
Finding the right balance between cost and quality service for home insurance is crucial to protecting your property without overspending.
Auto-Owners Insurance provides the best protection for homeowners in Arizona and scores a perfect 10 out of 10 for coverage. Its annual premium averages $1,099.
Rare discounts reduce premiums and reward financial responsibility, such as responsible payment for clients who make timely payments and mortgage-free for homeowners who have paid off their mortgages.
Auto-Owners Insurance offers the best service quality among home insurance providers in Arizona.
Valuing service quality means choosing a provider with exceptional customer support and claims handling. After a natural disaster, a quick and caring response can make all the difference in your recovery.
Auto-Owners Insurance has a high customer satisfaction score of 62 out of 65 and an average annual premium of $1,099.
Useful add-ons include guaranteed replacement cost, which provides full replacement value for damaged property, and equipment breakdown coverage for electrical and mechanical failures in home systems and appliances.
State Farm offers the best mix of cost and coverage for affordable home insurance in Arizona. Here are the top options for homeowners on a budget:
Cheapest premiums don't always guarantee excellent service. Consider the average cost of homeowners insurance in Arizona when choosing an insurer that balances price with good service.
State Farm offers Arizona's lowest average annual premium of $759 while maintaining high service quality, with a perfect affordability score (75 out of 75) and a strong customer satisfaction score (14 out of 15). It reduces premiums through discounts for bundling policies and installing protective devices like alarms.
American Family is the top choice for insuring expensive homes in Arizona, offering a strong balance of cost and customer satisfaction.
For higher-value homes, finding insurance that combines affordability with comprehensive coverage is crucial.
American Family is the top choice in Arizona for balancing cost and coverage when insuring expensive homes. It scores perfectly for affordability (55 out of 55) and customer satisfaction (30 out of 30). Its average annual premium is $3,687.
Policyholders can save through bundling, smart home and home renovation discounts. American Family also provides equipment breakdown coverage for appliances and smart home systems, as well as backup sewer or drain protection against water damage.
Auto-Owners Insurance is the best choice for insuring a new home in Arizona.
Auto-Owners Insurance excels in value and service quality, achieving impressive affordability and customer satisfaction scores.
Auto-Owners Insurance is the most cost-effective option for insuring new homes, with an affordability score of 37 out of 55 and an average annual premium of $2,338.
Policyholders can reduce costs through discounts for making timely payments and using electronic billing. Auto-Owners Insurance also offers guaranteed replacement cost coverage, which ensures full home rebuilding regardless of the dwelling limit.
USAA offers the best homeowners insurance for veterans and military families in Arizona.
USAA understands the unique needs of veterans, providing reliable coverage for their homes and belongings despite frequent relocations and deployments.
USAA, offering tailored services for military families, earns a perfect customer satisfaction score and a high affordability score. Its average annual premium is $965.
Veterans can save more through smart home and loyalty discounts. The personal property replacement cost coverage pays for the full value of covered belongings without deducting for depreciation.
The best homeowners insurance companies balance strong coverage and excellent customer service with affordable premiums. To find the right policy for your needs, follow these steps:
Evaluate your risks and asset value to determine how much home insurance coverage you need.
Look into reputable insurers, focusing on their track records, customer service, response times and financial stability.
Compare home insurance quotes and policy details from different insurers to find a balance between comprehensive coverage and affordability.
Review policies carefully to understand the coverage limits, deductibles, exclusions and the claims process that affect coverages and out-of-pocket costs.
An impartial insurance agent can clarify policy details, provide personalized advice and help you navigate the insurance market.
In Arizona, homeowners aren’t legally obligated to have flood insurance. Yet, due to flash flood risks, it’s sensible to invest in flood insurance in Arizona to ensure protection against flood-related damages.
Choosing the best homeowners insurance provider depends on your needs and budget. Here are answers to common questions about home insurance in Arizona to guide you.
Auto-Owners Insurance is the overall best home insurance provider in Arizona, with a MoneyGeek score of 95 out of 100 and an average annual premium of $1,099.
State Farm offers the cheapest homeowners insurance in Arizona, with an average annual premium of $759. Homeowners may lower their premiums further if they qualify for discounts.
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.
