Arizona Home Insurance: Costs, Coverage and How to Save
-
Get personalized options in minutes.
-
Buy, bundle and switch right in the app.
-
Licensed agents are ready to help if you need them.
Arizona’s dry climate and expanding development into areas with wildlife have made wildfires an increasing concern for homeowners in the state, according to the Arizona Department of Insurance and Financial Institutions. That’s why getting your home fully covered is so important, and Jerry can help.
Bundling your home and car insurance is easy with Jerry. It’s free to compare quotes and we’ll help you switch insurers once you’re ready, all online. Plus, our licensed agents are just a call away if you’d rather talk to a real person.
Based on cheapest quotes shown for all Jerry customers in the last 12 months. Savings depend on coverage and other factors. Potential savings will vary.
Bundle home + car and save up to 40%.
What Arizona homeowners pay right now
Home insurance costs in Arizona vary widely based on your home’s age and rebuild cost, plus your claims history and other factors, like your proximity to wildfire-prone areas or exposure to monsoon storms.
Based on home insurance quotes for Jerry customers in the last 12 months. Savings depend on coverage and other factors. Potential savings will vary.
Jerry can help you find the best price and coverage, no matter where you are in Arizona. Take a look at some recent examples of real customers who saved by bundling their home insurance with Jerry:
Recent bundling quotes
Based on Jerry customers who found savings in the past 45 days. Savings depend on coverage and other factors. Potential savings will vary.
Key takeaway: Home insurance rates in Arizona depend on factors like your home’s rebuild cost, roof condition, proximity to wildfire zones and monsoon exposure. Comparing quotes is the best way to save.
Mix and match home and car insurance with Jerry
One of the smartest ways to save on home insurance in Arizona is bundling with your car insurance. Combining home and auto policies with the same carrier can save you significantly. Depending on the insurer, bundling discounts could range from 5%-25% and up to 40% off both policies combined if you bundle with Jerry.
But here’s what sets Jerry apart: You don’t have to use the same insurer for both.
Jerry’s mix-and-match approach lets you pair the best home insurance rate with the best auto insurance rate, even from different carriers. This way, you’re not stuck overpaying on one policy just to get a discount on the other.
Mix and match with Jerry to build your perfect bundle.
Best home insurance in Arizona
There’s no single “best” home insurance company in Arizona. It depends on your home, your budget and what kind of coverage you need. For example, homeowners in wildfire-prone areas near Flagstaff, Prescott or Sedona may need carriers willing to write policies in high-risk zones, while those in the Phoenix metro might prioritize monsoon and hail coverage.
That said, our data shows some clear trends among Arizona homeowners. Here are the most popular home insurance companies Jerry customers pick:
Based on home insurance quotes for Jerry customers in the last 12 months. Savings depend on coverage and other factors. Potential savings will vary.
Why the variety? Arizona homeowners prioritize different things. Some want the lowest premium, many care most about a smooth claims process, and others want carriers experienced with wildfire and monsoon claims.
Also check: The best car insurance in Arizona
Jerry recommends: The simplest way to find the right coverage is to compare home insurance quotes in the Jerry app. We find competitive quotes from top carriers in minutes, so you can find the best coverage at the right price.
Factors that affect home insurance costs in Arizona
From desert wildfires to summer monsoons, where and what you own in Arizona plays a big role in what you pay. Here’s what stands out most for Arizona homeowners and how to stay protected.
🔥 Wildfire risk
Arizona’s dry climate makes wildfires a serious and growing concern, especially near Flagstaff, Prescott, Sedona and the forested regions of northern Arizona. Homes in high-risk zones may face higher premiums, non-renewals or may need to seek out specialty carriers.
The Arizona Department of Insurance and Financial Institutions maintains a list of insurers willing to write policies in wildfire-prone areas, which can be a helpful resource if you’re struggling to find coverage.
🌪️ Monsoon season
Arizona’s summer monsoon season brings sudden flash floods, dust storms and damaging winds, particularly across Phoenix, Tucson and southern Arizona. Standard homeowners policies typically cover wind and hail damage, but flood damage from rising water requires a separate policy. If you live in a flood-prone area, consider purchasing flood insurance through the National Flood Insurance Program.
☀️ Extreme heat
Arizona’s intense sun and triple-digit temperatures can take a toll on roofs, HVAC systems and exterior surfaces faster than in cooler climates. Insurers often factor roof age and condition heavily into your rate, so keeping your roof in good shape can help keep premiums down.
🏊 Pools and outdoor features
Arizona has one of the highest rates of backyard pools in the country. Many homes also feature outdoor kitchens, covered patios and sport courts. While these add to your home’s value, they also add to your rebuild cost and increase liability risk, which can push your premium higher.
💧 Plumbing failures and water damage
According to the Arizona Department of Insurance and Financial Institutions, water damage claims from plumbing failures are one of the most significant sources of insurance claims in the state. Older homes with outdated plumbing systems are especially vulnerable. Upgrading your plumbing and installing leak detection devices can help reduce this risk
🏠 Older adobe and stucco homes
Many of Arizona’s historic neighborhoods feature adobe construction and older stucco exteriors. These homes can be more expensive to insure due to specialized repair needs and higher replacement costs. If your home falls into this category, make sure your dwelling coverage reflects the true cost to rebuild with similar materials.
Key takeaway: Arizona’s unique mix of wildfire risk, monsoon storms, extreme heat and water damage claims all factor into what you’ll pay. Understanding these risks helps you choose the right coverage.
Get bundling quotes in minutes, no calls needed.
Get the right coverage without overpaying
For Arizona homeowners, the right mix of coverage can protect your home from everything from monsoon damage to wildfire while keeping your costs manageable.
Dwelling coverage is the foundation of your home insurance policy. It pays to repair or rebuild your home’s structure if it’s damaged by covered perils like fire, wind, hail, lightning or vandalism.
Your dwelling coverage amount is based on your home’s rebuild cost – not its market value – as calculated by your insurer. Jerry can estimate your replacement cost right in the app, so you’ll know you’re covered for the right amount.
Here’s what Arizona homeowners typically pay based on their home’s rebuild value:
$150-299k
dwelling coverage
Typical for smaller homes, condos or older properties.
$300-499k
dwelling coverage
Covers most mid-range homes.
$500-749k
dwelling coverage
Typical for larger or newer homes.
$750k-1M
dwelling coverage
Common for high-value properties.
Key takeaway: Your dwelling coverage should match your home’s rebuild cost, not its market value. Jerry shows you real-time pricing at every level so you can find the right balance.
Learn more: What does home insurance cover?
4 ways to save on home insurance
Bundling with the cheapest car insurance in Arizona is one of the most effective ways to bring your premium down, but it’s not the only option. Arizona homeowners have several ways to reduce costs without sacrificing coverage. Here are four worth looking into.
Jerry Agent Tip 1: Compare quotes from multiple insurers
Every insurer prices Arizona homes differently, which means the same home can cost more with one company than another. A homeowner in Mesa could get a very different quote than someone in Yuma for comparable coverage. Comparing quotes side-by-side with Jerry is the fastest way to find a better rate.
Recent quotes
Why it matters: Location makes a big difference in Arizona, where wildfire risk zones, monsoon corridors and urban vs. rural settings all affect pricing. Jerry shows you quotes side-by-side so you can find coverage that fits your home and budget.
Jerry Agent Tip 2: Stack discounts for a cheaper rate
From paying in full to security system credits, most Arizona homeowners qualify for at least a few discounts, and stacking them could add up to some serious savings. But insurers don’t always apply all of them, which is why Jerry automatically finds the discounts you qualify for.
Besides bundling, here are some common Arizona home insurance discounts:
🔒 Security system discount
Installing safety devices like alarms, smart home systems and deadbolts can qualify you for a lower rate. Many carriers offer protective device discounts of up to 15% when you combine security systems with features like automatic water leak valves.
🆕 New home discount
Newer homes tend to have fewer costly claims, and insurers reward that. Depending on the carrier, homes built within the last 10 to 15 years may qualify for savings of up to 15% for the first year with a new insurance company.
🔥 Wildfire mitigation discount
In Arizona, taking steps to reduce your home’s wildfire risk can pay off with your insurer. Creating defensible space around your property, using fire-resistant building materials and participating in community wildfire mitigation programs like Firewise USA can all help lower your premium. Some Arizona insurers specifically recognize these efforts when setting your rate.
🎓 Claims-free discount
The longer you go without filing a claim, the more you save. Most insurers offer this discount after three or more claims-free years, with some offering savings of up to 20%.
🔧 Home renovation discount
Updated your electrical, plumbing or heating systems? Some carriers offer discounts when these systems have been replaced within the last 10 to 15 years, since modern systems reduce the risk of fire and water damage. In Arizona, where plumbing failures are a common source of claims, this can be especially valuable.
🏡 HOA or gated community discount
If your home is in a homeowners association or gated community, you may qualify for a lower premium. Insurers view these properties as lower risk due to added security and regular maintenance.
💳 Pay-in-full discount
Paying your full annual premium upfront instead of in monthly installments can earn you a discount with many carriers, typically between 5%-10%.
⏳ Loyalty discount
Staying with the same insurer year after year can build increasing savings. Some carriers start rewarding loyalty after just one year, with discounts growing over time. But it still never hurts to shop around when your policy comes up for renewal.
📋 Quote-in-advance discount
Shopping early can pay off. Some insurers offer a discount of up to 15% when you get a quote before your current policy expires.
🚭 Non-smoker discount
Since smoking increases the risk of house fires, some carriers offer lower rates to non-smoking households.
Key takeaway: Most Arizona homeowners qualify for multiple discounts, from bundling and wildfire mitigation to claims-free credits. Insurers don’t always apply them automatically, so asking about every discount you’re eligible for could add up to significant savings.
Jerry Agent Tip 3: Pick the right deductible
Your deductible – the amount you pay out of pocket before insurance kicks in – directly affects your premium.
The trade-off is straightforward: a higher deductible means a lower premium, but more out of pocket if you file a claim. To find the right balance:
- Check what you can comfortably afford out of pocket. If a $2,000 expense after a monsoon storm would be manageable, a higher deductible could save you hundreds a year. If it would strain your budget, a lower deductible may be worth the extra premium.
- Think about how often you’d actually file a claim. Most homeowners only file a claim once every 8 to 10 years, so the premium savings can add up long before you ever pay that deductible.
The Jerry difference: Jerry lets you compare quotes at different deductible levels so you can see exactly how your choice impacts your Arizona home insurance costs.
Jerry Agent Tip 4: Improve your credit score
In Arizona, insurers can use credit-based insurance scores to help set your premium. In fact, Arizona has one of the largest credit-based pricing gaps in the country. Homeowners with low credit scores can pay significantly more than those with high scores for the exact same coverage. Improving your credit isn’t an overnight fix, but even gradual improvements could lead to a lower rate at your next renewal.
To boost your credit score, focus on paying bills on time, keeping credit card balances below 30% of your limit and avoiding new credit applications before shopping for insurance. Most people see meaningful improvement within 3 to 6 months of consistent on-time payments and lower balances.
If your credit isn’t where you want it to be, don’t worry. Some insurers weigh credit less heavily than others, and Jerry can show you which carriers offer the best rates for your situation.
Key takeaway: Arizona has one of the steepest credit-based pricing penalties in the U.S. Improving your credit score can meaningfully lower your premium, but shopping around with Jerry helps you find competitive rates no matter where your credit stands.
Compare home + car bundles in one place, all online.
FAQ
-
💰 How much is home insurance in Arizona?
-
🏠 Is home insurance required in Arizona?
-
🌪️ Does Arizona home insurance cover monsoon damage?
-
🔥 What if I live in a wildfire-prone area?
-
📊 Does my credit score affect my Arizona home insurance rate?
-
💧 Should I get flood insurance in Arizona?
-
🤝 Can Jerry help me find Arizona home insurance?
Ben Moore is a writer and editor at Jerry and an auto insurance expert. He previously worked as a writer, editor and content strategist on NerdWallet’s auto insurance team for five years. His work has been published in The Associated Press, Washington Post, Chicago Sun-Times, MarketWatch, Nasdaq and Yahoo News. He also served as a NerdWallet spokesperson, with appearances on local broadcast television and quotes in Martha Stewart and Real Simple magazine.
Ben has an extensive background in digital marketing, working on affiliate and programmatic advertising campaigns for brands like Cabela’s, H&R Block and Sears. He holds a bachelors degree in marketing from Olivet Nazarene University.