The Best Home Insurance in Arizona for 2025

Chubb, USAA and Amica are the best home insurance companies in Arizona, according to our analysis.

To help you find the best home insurance in Arizona, we gathered and analyzed data from insurance companies across the state. These are the insurers that earned 4.5 stars or more.

Rates are based on a sample homeowner with no recent claims, $300,000 of dwelling coverage, $300,000 of liability coverage and a $1,000 deductible.

Here are more details about the best homeowners insurance companies in Arizona.

Note: Some insurance companies included in this article may have made changes in their underwriting practices and no longer issue new policies in your state.

Chubb caters to affluent homeowners, offering high personal liability limits and coverage other insurers often charge extra for. The company’s policies include extended replacement cost coverage for the structure of your home, in case it costs more than your dwelling limit to rebuild after a disaster. Chubb’s standard policies also cover water damage from backed-up sewers and drains.

Chubb policyholders in Arizona are eligible for free Wildfire Defense Services. These services include personalized recommendations for protecting your home and firefighters sent to your home if a wildfire is near.

» READ MORE: Chubb homeowners insurance review

Amica shines when it comes to customer service. It draws a very low rate of complaints compared to other insurers, according to the National Association of Insurance Commissioners. Amica also earned high marks in two recent J.D. Power surveys about home insurance and customer satisfaction.

The company is also notable for its broad range of coverage options. For example, you can customize your policy with extra coverage above your dwelling limit. You may also want to add coverage for damage from backed-up drains or valuable belongings like jewelry or art.

» READ MORE: Amica homeowners insurance review

Cincinnati Insurance stands out for its commitment to sustainability. In recent years, the insurer has reduced fossil fuel emissions from both its facilities and company vehicles. When you buy Cincinnati home insurance, you may be able to add a “green upgrade” endorsement. With this coverage, you can use eco-friendly materials to repair or rebuild your home after a claim.

The company offers a variety of other options, including comprehensive coverage for high-value homes. You may be able to add coverage for things like identity theft, personal cyber attacks or certain types of water damage.

» READ MORE: Cincinnati homeowners insurance review

State Farm offers a lengthy list of coverage options. You may be able to add coverage for things like identity theft and water damage from backed-up drains. Another option may be to add an inflation guard rider to your policy. This automatically increases your policy limits to keep up with rising costs.

State Farm also stands out by generally including extra dwelling coverage with your home insurance policy. Many insurers charge extra for this.

State Farm offers a free Ting smart plug to home insurance policyholders as a perk. This device monitors your home’s electrical network to help prevent fires.

» READ MORE: State Farm homeowners insurance review

Country Financial has multiple levels of homeowners coverage to help you choose the package that’s best for you. You can also add extra coverage for the structure of your home, your belongings or both.

Country Financial sells homeowners insurance through local representatives. The company gets far fewer complaints than expected for a company of its size.

» READ MORE: Country Financial homeowners insurance review

Allstate offers lots of ways to customize your policy, including replacement cost coverage for your personal property and coverage for water damage caused by backed-up drains. Other options may include home-sharing coverage and reimbursement for replacing damaged items with energy-efficient versions.

You may also be able to upgrade your policy with the Enhanced Package. One benefit of this package is Deductible Rewards, which takes $100 off your deductible when you sign up, plus an additional $100 off for each year you go without filing a claim. If you do file a claim, your rates won’t go up.

» READ MORE: Allstate homeowners insurance review

American Family is notable for offering broader coverage for your home’s structure than many insurers do. If you insure your home up to its replacement cost, American Family will automatically add extended replacement coverage to your policy.

American Family also has a long list of extras you can add to your policy. For instance, you can buy coverage in case a major appliance breaks down or an underground utility line needs repairs. Discounts may be available for installing smart-home devices, bundling multiple policies or setting up automatic payments.

» READ MORE: American Family homeowners insurance review

Openly’s default homeowners policy goes significantly beyond those of many other insurers. Most notably, it offers guaranteed replacement cost coverage for the structure of your home. That means if your house is destroyed by a covered disaster, Openly will pay whatever it takes to rebuild it the way it was before.

Unlike many other insurers, Openly doesn’t have dog breed restrictions that could affect your ability to get liability coverage. It may also be a good bet for homeowners with collections of jewelry or other valuables, with up to $100,000 of blanket coverage available for these items.

» READ MORE: Openly homeowners insurance review

USAA sells homeowners insurance to active military members, veterans and their families. If that’s you, you may want to consider USAA. The company offers some perks that are specific to members of the military, like deductible-free coverage for military uniforms and equipment. USAA will also waive your deductible if your personal property is damaged or lost due to war.

USAA homeowners insurance has certain features that many insurers charge extra for. For example, USAA covers your personal belongings on a replacement cost basis. That means you’ll get enough money to buy brand-new replacements for damaged items. Many companies pay only what your items are worth at the time of the claim.

» READ MORE: USAA homeowners insurance review

The average annual cost of home insurance in Arizona is $2,565. That’s 22% higher than the national average of $2,110.

In most states, including Arizona, many insurers use your credit-based insurance score to help set rates. Your insurance score is similar but not identical to your traditional credit score.

In Arizona, those with poor credit pay an average of $4,885 per year for homeowners insurance, according to NerdWallet’s rate analysis. That’s 90% more than those with good credit.

» MORE: Does your credit score affect home insurance rates?

How much you pay for home insurance in Arizona depends on where you live. For example, the average cost of homeowners insurance in Phoenix is $3,150 per year. In Tucson, homeowners insurance costs about $2,225 per year, on average.

» MORE: What’s the average cost of homeowners insurance?

Here are the insurers we found with average annual rates below the Arizona average of $2,565.

» MORE: The cheapest homeowners insurance

Here are some things to keep in mind when buying home insurance in Arizona.

Floods

Arizona might not be the first state you think of when you picture flooding, but it happens, especially during the monsoon season between June and September. Dry ground can quickly become oversaturated, resulting in a flash flood.

If your home is damaged in a flash flood, your homeowners insurance generally won’t pay for repairs. Instead, you’ll need separate flood insurance. Most people get coverage through the federal government’s National Flood Insurance Program, but you can also shop around with private providers. Learn more about private flood insurance.

To check your flood risk, start by looking up your address on the Federal Emergency Management Agency's flood maps. However, FEMA’s maps don’t always capture all types of flood risk. You may want to check another source, like First Street, a private company that models climate hazards. Enter your address at the top of the page to see your home’s flood risk rating on a scale of 1 to 10.

» MORE: Do you need flood insurance?

Earthquakes

Most homeowners insurance policies won’t cover earthquake damage. You’ll need to buy earthquake insurance to cover damage to your home caused by earth movement.

Wildfires

Homeowners insurance usually covers damage from fire, including wildfires. Make sure you have enough dwelling coverage to rebuild your home, as fire can destroy your home.

» MORE: Wildfire insurance: What you need to know

The Department of Insurance and Financial Institutions oversees Arizona’s insurance industry. You can file a complaint against your insurer or look up an insurance agent’s license on the department’s website. You can call the agency at 602-364-3100.

How we rate homeowners insurance

NerdWallet’s star ratings reward companies for consumer-first features and practices. We evaluate factors such as consumer experience, coverage, discounts and financial strength.

In our research, we analyzed:

View our complete homeowners insurance rating methodology.