Home Insurance in Arizona
Home insurance in Arizona is among the cheapest in the country, thanks to a dry climate with few hurricanes, tornadoes, or major winter storms.
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Arizona at a glance
Data as of 2022Average cost
$1,018/yr
≈ $85/mo
vs U.S. average
-35%
below the national avg of $1,569/yr
Top risks
Low catastrophe risk, some hail & wildfire
Source: NAIC (2022). Average annual premium for owner-occupied HO-3 homeowners policies.
Home insurance in Arizona is among the cheapest in the country, thanks to a dry climate with few hurricanes, tornadoes, or major winter storms.
How much does home insurance cost in Arizona?
The average homeowner in Arizona pays $1,018 per year for home insurance — that’s 35% below the U.S. national average of $1,569/yr. Your own rate depends on your home’s rebuild cost, age, construction, location, and claims history.
Arizona vs the national average
35% below the national average of $1,569/yr.
Source: NAIC (2022). Average annual premium for owner-occupied HO-3 homeowners policies.
What drives home insurance costs in Arizona
Premiums are kept low by limited catastrophe exposure, though monsoon-season hail, dust storms, and wildfire in some areas can affect rates. Older homes and those in wildland-urban interface zones pay more.
What home insurance covers
A standard Arizona homeowners (HO-3) policy bundles several coverages. Note what’s not included — flood and earthquake always require separate policies.
| Coverage | What it covers | In a standard policy? |
|---|---|---|
| Dwelling (Coverage A) | The structure of your home itself | Core coverage |
| Other structures (B) | Detached garages, fences, sheds | Included |
| Personal property (C) | Your belongings — furniture, electronics, clothes | Included |
| Liability (E) | Injuries to others or damage you’re responsible for | Included |
| Loss of use (D) | Living expenses if your home is uninhabitable | Included |
| Flood / earthquake | Flood and quake damage | Excluded — separate policy |
Homeowners insurance is not legally mandated, but mortgage lenders require it for the life of your loan.
How to lower your home insurance in Arizona
Rates for the same home can vary widely between insurers in Arizona, so comparing several quotes is the most effective way to save. A few other ways to lower your premium:
- Raise your deductible if you can cover it in a claim
- Bundle home and auto insurance with one carrier
- Harden your home against local risks (impact-resistant roof, storm shutters, defensible space) for discounts
- Improve security — alarms, smoke detectors, water-leak sensors
- Avoid small claims so you keep claims-free discounts
Average premium data last verified June 6, 2026. Source: NAIC. Figures are statewide averages — your quote will differ based on your specific home.
Arizona home insurance FAQs
Common questions about homeowners insurance in Arizona
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