Homeowners Insurance in Arizona

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To insure a property in Arizona, you should get a policy that covers floods and water damage, as well as wildfires and other major hazards. It only takes comparing quotes from a few different companies to find the best homeowners insurance for you.
The process of buying a home may be both thrilling and stressful. You'll want to protect your new investment as much as possible, and homeowners insurance is the best way to do it.
Before you buy a new policy, make sure you understand what your current policy covers and how you can save money on this critical investment. Jerry, the home and car insurance super app, has all you need to know about Arizona homeowners insurance.
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What is homeowners insurance?

Homeowners insurance, at its most fundamental, protects your house and its contents. The loss of your house, personal liability, and property damage are all covered by a conventional homeowners insurance policy.
In the United States, the average cost of homeowners insurance is $1,387 per year or $115 per month.

Basic components of homeowners insurance

Homeowners insurance usually consists of the following:
  • Coverage A (Structure): Covers the cost of repairing or replacing the structure of the house.
  • Coverage B (Additional structures): Covers the cost of repairing or replacing other structures on the property, such as fences, pools, and sheds.
  • Coverage C (Personal property): Financial insurance against the loss or destruction of specific personal items (like electronics, furniture, jewelry, etc.).
  • Coverage D (Other expenses): Also known as "loss of use." Pays for temporary living expenses (such as a hotel or rent) incurred as a result of losing your home partially or in its entirety.
  • Coverage E (Personal liability): Pays for legal fees if someone is injured on your property (or by a pet or family member).
You can pick between a policy that covers the actual cash value (ACV) of your property at the time of loss or one that covers the replacement cost—that is, the cost of replacing the property regardless of its actual worth. Insurers often require homeowners to buy a policy that covers at least 80% of the replacement cost.

Named perils

There is no standard comprehensive coverage for homeowners insurance unless you have a special policy. Only named perils and unique situations outlined in your agreement will be covered by your insurance. Typical examples include:
  • Fire/lightning
  • Riots
  • Windstorms
  • Water overflow or discharge (plumbing, air conditioning, and other appliances)
  • Power surge damage
  • Damage caused by vehicles
  • Vandalism
  • Theft
  • Falling objects
  • Explosions
Check your insurance policy before you sign to be sure you understand what is and isn't covered!

Is homeowners insurance required in Arizona?

In Arizona, homeowners insurance isn't required by law, although it may be necessary if you bought your property with a mortgage. Because they have an investment in your property, a mortgage lender wants to make sure it is sufficiently insured in the case of damage or a catastrophic loss.

How to get homeowners insurance

If you've recently acquired a home or need a new homeowners policy, start by comparing quotes from a few different companies—the Jerry app makes this easy! You might be missing out on discounts if you just take the first referral that comes your way.
Always ask your car insurance company for a quote. Even if the initial cost is higher, bundling your home and auto plans might save you money in the long term. Bundling can save you anywhere from 5% to 15% or more, so it's worth looking into what you might be eligible for!
For homeowners in Arizona, flooding, water damage, and wildfires are among the main perils to protect against with insurance. Arizona is at a particularly high risk for flash floods, so you should make sure you’re covered against severe storms and floods.
Here are three strategies to help you protect your home from flood damage:
  • Flood insurance safeguards your home from flooding caused by a natural disaster. FEMA’s National Flood Insurance Program (FLIP) or another referral are both possible options to explore.
  • In the event of a burst or backed-up pipe, water backup insurance can help cover the costs of water cleanup and repairs.
  • Unless it is specifically indicated as an exclusion in your policy, an HO-5 or open perils coverage covers any risk.

What impacts homeowners insurance in Arizona?

The average cost of homeowners insurance in Arizona is slightly less expensive than the national cost of $1,387 per year. Home insurance prices are influenced by a variety of factors that vary from person to person, such as employment status and credit history. There are, however, some special factors that can have an impact on homeowners insurance in Arizona.

Flash flooding and storms

Heavy rains can trigger flash floods, allowing rain to enter your home via your roof, siding, or windows and cause serious damage. Because of Arizona's typically dry climate, it is vulnerable to flash floods and severe rains.

Wildfires

The destruction caused by wildfires can be absolutely destructive to a home and property. Wildfires are fairly common in Arizona, and there has been an increase in the number of destructive fires in recent years.

Homeowners insurance discounts in Arizona

Insurance providers frequently provide different discounts for different types of consumers and actions. Examples of common homeowner insurance discounts include:
DiscountHow to get it
BundlingBundling home and auto insurance could earn you a steep discount on both policies.
First-time homeownerIf you're buying your first home, most insurance providers will give you a discount.
Claims-freeYou may be eligible for a discount if you go a certain amount of time (typically a few years) without filing a claim on your insurance.
Storm proofingVarious flood-safety improvements, such as watertight shields and sealants, may qualify you for a discount on your homeowner's insurance.
Security systemIf you have a security system to prevent theft, your insurance company may give you a discount on your homeowner's insurance.
Upgraded fire alarmSet your fire alarm to call the fire department directly; your insurance carrier may offer a discount for a faster fire response time.

How to save on home and auto insurance

Buying home insurance, especially for the first time, can be a daunting task. But shopping for house insurance is now easier than ever thanks to the Jerry app.
If you’re looking for a new insurance company, Jerry can provide you with competitive quotes in under a minute. They can sort through policies from 50+ providers, and even search for affordable car insurance policies to bundle with your home’s insurance! Once you’ve picked a provider, Jerry will handle the rest of the work.
With Jerry's help, you'll know you're getting the best price possible, whether you're insuring your first home or looking for new, cheaper rates.
Jerry made everything super easy! I got the best and cheapest deals. And it’s my first time buying insurance! What a deal!” —Abby W.
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FAQs

Flood insurance, generally, isn’t included in typical homeowners insurance. Although homeowners insurance isn't required by law in Arizona, most lenders require it—and it's always a good idea to protect your house!
Arizona homeowners insurance costs vary depending on where you live and other circumstances, but it typically ranges between $1200 and $1400 per year.

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