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The Best Home Insurance in Arizona for 2023
Arizona has fewer hazards than some states, but homeowners should still review their coverage.
Sarah Schlichter Lead Writer | Home insurance, renters insurance, pet insurance
Sarah Schlichter is a NerdWallet authority on homeowners, renters and pet insurance. Prior to joining NerdWallet, she spent more than 15 years in digital media as a writer, editor and spokesperson. Sarah enjoys delving into complicated topics and helping readers understand the ins and outs of their insurance coverage. She lives in the Washington, D.C., metro area.
Kayda Norman is a NerdWallet authority on auto insurance. She previously worked in communications at The Walt Disney Co. and as a web producer and writer at several health and fitness publications, including Health magazine. Her work has been featured in The New York Times, The Washington Post and USA Today.
Caitlin Constantine Assigning Editor | Home insurance, renters insurance, pet insurance
Caitlin Constantine is an assigning editor at NerdWallet, focusing on homeowners, renters and pet insurance. She has more than 15 years of experience in digital media, including as the deputy managing editor at The Penny Hoarder and as a digital producer for a 24/7 news station based in the Tampa Bay area. Caitlin enjoys exploring the ways technology can help people become better informed about the world. She currently lives outside Asheville, North Carolina.
Many or all of the products featured here are from our partners who compensate us. This influences which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.
Arizona’s mild winters make it an attractive location for those tired of snowy weather in other parts of the U.S. If you own a home in Arizona, you’ll want to make sure it’s properly insured. NerdWallet analyzed rate and policy information from companies across the state to determine the best homeowners insurance options in Arizona.
Note: Because of underwriting practices and market volatility, some companies in this article may no longer write new policies in your area.
Why you can trust NerdWallet
Our writers and editors follow strict editorial guidelines to ensure fairness and accuracy in our writing and data analyses. You can trust the prices we show you because our data analysts take rigorous measures to eliminate inaccuracies in pricing data and may update rates for accuracy as new information becomes available.
We include rates from every locale in the country where coverage is offered and data is available. When comparing rates for different coverage amounts and backgrounds, we change only one variable at a time, so you can easily see how each factor affects pricing.
Our sample homeowner had good credit, $300,000 of dwelling coverage, $300,000 of liability coverage and a $1,000 deductible.
The best homeowners insurance in Arizona
If you’re looking to buy homeowners insurance from a well-rated national brand, consider one of these insurers from NerdWallet’s list of the Best Homeowners Insurance Companies.
NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account discounts, coverage options, website transparency, financial strength, complaint data and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account discounts, coverage options, website transparency, financial strength, complaint data and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account discounts, coverage options, website transparency, financial strength, complaint data and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account discounts, coverage options, website transparency, financial strength, complaint data and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account discounts, coverage options, website transparency, financial strength, complaint data and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account discounts, coverage options, website transparency, financial strength, complaint data and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account discounts, coverage options, website transparency, financial strength, complaint data and more.
$1,085
*USAA homeowners policies are available only to active-duty military members, veterans and their families.
More about the best home insurance companies in Arizona
See more details about each company to help you decide which one is best for you.
NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.
Well-established insurer with a lengthy list of coverage options.
Coverage optionsRatings are based on the number of coverage options a company offers in comparison to other insurers.
More than average
DiscountsRatings are based on the number of discounts a company offers in comparison to other insurers.
Average set of discounts
NAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Fewer than expected
Pros
User-friendly website.
Agents offer personalized service.
Policies generally include extra coverage for your home’s structure.
Cons
Fewer discounts than some other insurers.
Includes more generous dwelling coverage in standard policies than many other insurers do.
NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.
Well-established insurer with a lengthy list of coverage options.
Coverage optionsRatings are based on the number of coverage options a company offers in comparison to other insurers.
More than average
DiscountsRatings are based on the number of discounts a company offers in comparison to other insurers.
Average set of discounts
NAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Fewer than expected
Pros
User-friendly website.
Agents offer personalized service.
Policies generally include extra coverage for your home’s structure.
Cons
Fewer discounts than some other insurers.
Includes more generous dwelling coverage in standard policies than many other insurers do.
As America’s largest insurer, State Farm stands out for its long list of coverage options. Its policies generally include extra dwelling coverage in case it costs more than expected to rebuild your home after a covered disaster. You may also be able to add coverage for things like identity theft, damage from backed-up drains and personal injury liability.
State Farm offers a free Ting device as a perk for home insurance policyholders. Ting is a smart plug that monitors your home’s electrical network to help prevent fires.
NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.
Perks and high coverage limits for affluent homeowners.
Coverage optionsRatings are based on the number of coverage options a company offers in comparison to other insurers.
About average
DiscountsRatings are based on the number of discounts a company offers in comparison to other insurers.
Great set of discounts
NAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Far fewer than expected
Pros
Significantly fewer consumer complaints than expected for a company of its size.
Standard coverage includes features that many companies only offer as extras.
Large number of discounts.
Cons
Most consumers aren't able to get a quote online and will instead need to contact a local agent.
NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.
Perks and high coverage limits for affluent homeowners.
Coverage optionsRatings are based on the number of coverage options a company offers in comparison to other insurers.
About average
DiscountsRatings are based on the number of discounts a company offers in comparison to other insurers.
Great set of discounts
NAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Far fewer than expected
Pros
Significantly fewer consumer complaints than expected for a company of its size.
Standard coverage includes features that many companies only offer as extras.
Large number of discounts.
Cons
Most consumers aren't able to get a quote online and will instead need to contact a local agent.
Chubb generally serves affluent policyholders with high-value homes, offering lofty coverage limits and plenty of perks. For example, the company covers water damage from backed-up sewers and drains, and it pays to bring your home up to the latest building codes during reconstruction after a claim. (Many insurers charge more for these types of coverage.)
Arizona homeowners can also sign up for free Wildfire Defense Services. These services include personalized recommendations for protecting your home and deployment of firefighters to your house if a wildfire is approaching.
NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.
Those seeking benefits like diminishing deductibles and claims forgiveness may want to consider Farmers.
Coverage optionsRatings are based on the number of coverage options a company offers in comparison to other insurers.
More than average
DiscountsRatings are based on the number of discounts a company offers in comparison to other insurers.
Average set of discounts
NAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Fewer than expected
Pros
Several standard features can help save money.
Less common coverage options are available.
Discounts for nonsmokers and members of certain professions.
Cons
Tends to be more expensive than many competitors.
Farmers’ three tiers of home insurance coverage make its policies suitable for a variety of homeowners.
NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.
Those seeking benefits like diminishing deductibles and claims forgiveness may want to consider Farmers.
Coverage optionsRatings are based on the number of coverage options a company offers in comparison to other insurers.
More than average
DiscountsRatings are based on the number of discounts a company offers in comparison to other insurers.
Average set of discounts
NAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Fewer than expected
Pros
Several standard features can help save money.
Less common coverage options are available.
Discounts for nonsmokers and members of certain professions.
Cons
Tends to be more expensive than many competitors.
Farmers’ three tiers of home insurance coverage make its policies suitable for a variety of homeowners.
Homeowners policies from Farmers may include two valuable types of insurance: extended dwelling and replacement cost coverage. Extended dwelling coverage gives you extra insurance for the structure of your house, while replacement cost coverage offers higher reimbursement for stolen or destroyed belongings.
Some Farmers policies also come with perks that can save you money. For example, with claim forgiveness, Farmers won’t raise your rate for a claim as long as you haven’t filed one within the past five years.
NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.
Comprehensive coverage for homeowners in 19 states, mostly in the West and Midwest.
Coverage optionsRatings are based on the number of coverage options a company offers in comparison to other insurers.
More than average
DiscountsRatings are based on the number of discounts a company offers in comparison to other insurers.
Average set of discounts
NAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Fewer than expected
Pros
Many coverage options.
Discounts available for qualifying smart-home devices.
Fewer consumer complaints than expected for a company of its size.
Cons
May restrict liability coverage for certain dog breeds.
Strong customer satisfaction, lots of coverage options and discounts for smart-home devices.
NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.
Comprehensive coverage for homeowners in 19 states, mostly in the West and Midwest.
Coverage optionsRatings are based on the number of coverage options a company offers in comparison to other insurers.
More than average
DiscountsRatings are based on the number of discounts a company offers in comparison to other insurers.
Average set of discounts
NAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Fewer than expected
Pros
Many coverage options.
Discounts available for qualifying smart-home devices.
Fewer consumer complaints than expected for a company of its size.
Cons
May restrict liability coverage for certain dog breeds.
Strong customer satisfaction, lots of coverage options and discounts for smart-home devices.
Founded in Madison, Wisconsin, American Family receives fewer consumer complaints than expected for a company of its size. You may be able to customize your policy with optional add-ons such as identity theft, equipment breakdown or service line coverage, which pays for repairs to water, power or other underground lines that run to your house.
Homeowners may be able to save on their premiums by installing smart-home devices, bundling multiple policies or setting up automatic payments.
NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.
For shoppers seeking a broad range of coverage options, Nationwide may fit the bill.
Coverage optionsRatings are based on the number of coverage options a company offers in comparison to other insurers.
More than average
DiscountsRatings are based on the number of discounts a company offers in comparison to other insurers.
Great set of discounts
NAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Close to expected
Pros
Offers some coverage standard that other companies charge extra for.
Lots of discounts available.
Website offers lots of useful features and information.
Cons
Doesn't insure mobile or manufactured homes.
Nationwide's policies are widely available across the country and offer a variety of useful coverage choices. The company also has a robust list of discounts to help you save on your policy.
NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.
For shoppers seeking a broad range of coverage options, Nationwide may fit the bill.
Coverage optionsRatings are based on the number of coverage options a company offers in comparison to other insurers.
More than average
DiscountsRatings are based on the number of discounts a company offers in comparison to other insurers.
Great set of discounts
NAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Close to expected
Pros
Offers some coverage standard that other companies charge extra for.
Lots of discounts available.
Website offers lots of useful features and information.
Cons
Doesn't insure mobile or manufactured homes.
Nationwide's policies are widely available across the country and offer a variety of useful coverage choices. The company also has a robust list of discounts to help you save on your policy.
Nationwide’s standard homeowners policies include ordinance or law coverage, which pays to bring your home up to the latest building codes after a covered claim. They also include coverage for unauthorized credit or debit transactions. For an extra cost, you may be able to add coverage for things like water backup, identity theft and stronger materials to replace your roof.
The Nationwide website offers plenty of ways to manage your policy, including filing and tracking claims, paying bills and getting quotes.
NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.
Best for those who prefer to have a personal conversation with an agent when choosing coverage.
Coverage optionsRatings are based on the number of coverage options a company offers in comparison to other insurers.
More than average
DiscountsRatings are based on the number of discounts a company offers in comparison to other insurers.
Great set of discounts
NAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Far fewer than expected
Pros
Far fewer complaints than expected for a company of its size.
Many discounts and coverage options available.
Cons
Can get an online quote but must finish the purchase over the phone.
Offers solid coverage with useful add-ons and many ways to save.
NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.
Best for those who prefer to have a personal conversation with an agent when choosing coverage.
Coverage optionsRatings are based on the number of coverage options a company offers in comparison to other insurers.
More than average
DiscountsRatings are based on the number of discounts a company offers in comparison to other insurers.
Great set of discounts
NAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Far fewer than expected
Pros
Far fewer complaints than expected for a company of its size.
Many discounts and coverage options available.
Cons
Can get an online quote but must finish the purchase over the phone.
Offers solid coverage with useful add-ons and many ways to save.
Country Financial has three levels of homeowners coverage to help you choose the package that’s best for you. You may want to add extra coverage for the structure of your home in case inflation drives up the cost of rebuilding more than you expect.
Country Financial sells homeowners insurance through local representatives. That has led to mostly happy customers — the company has drawn far fewer complaints than expected to state regulators.
NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.
Offers perks and affordable rates for the military community.
Coverage optionsRatings are based on the number of coverage options a company offers in comparison to other insurers.
Below average
DiscountsRatings are based on the number of discounts a company offers in comparison to other insurers.
Average set of discounts
NAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Far fewer than expected
Pros
Policies include standard coverage that often costs extra elsewhere.
Far fewer customer complaints to state regulators than expected for a company of its size.
Average rates are below the national average, according to NerdWallet’s analysis.
Cons
Available only to active military members, veterans and their families.
With generous coverage at rates below the national average, USAA offers good value for homeowners.
NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.
Offers perks and affordable rates for the military community.
Coverage optionsRatings are based on the number of coverage options a company offers in comparison to other insurers.
Below average
DiscountsRatings are based on the number of discounts a company offers in comparison to other insurers.
Average set of discounts
NAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Far fewer than expected
Pros
Policies include standard coverage that often costs extra elsewhere.
Far fewer customer complaints to state regulators than expected for a company of its size.
Average rates are below the national average, according to NerdWallet’s analysis.
Cons
Available only to active military members, veterans and their families.
With generous coverage at rates below the national average, USAA offers good value for homeowners.
USAA sells homeowners insurance to veterans, active-duty military members and their families. If that description fits you, you may want to consider a USAA policy — the company’s homeowners insurance has certain features that other insurers may charge extra for.
For example, USAA automatically covers your personal belongings on a “replacement cost” basis. Many companies pay out only what your items are worth at the time of the claim, which means you may not get much for older items. USAA pays enough for you to buy new replacements for your stuff.
How much does homeowners insurance cost in Arizona?
The average annual cost of home insurance in Arizona is $1,530. That’s 16% lower than the national average of $1,820.
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 $3,125 per year for homeowners insurance, according to NerdWallet’s rate analysis. That’s 104% more than those with good credit.
Average cost of homeowners insurance in Arizona by city
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 $1,890 per year. In Tucson, homeowners insurance costs about $1,375 per year, on average.
NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account discounts, coverage options, website transparency, financial strength, complaint data and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account discounts, coverage options, website transparency, financial strength, complaint data and more.
$1,100
Farm Bureau Financial Services
3.5
NerdWallet rating
NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.
NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account discounts, coverage options, website transparency, financial strength, complaint data and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account discounts, coverage options, website transparency, financial strength, complaint data and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account discounts, coverage options, website transparency, financial strength, complaint data and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account discounts, coverage options, website transparency, financial strength, complaint data and more.
$1,085
*USAA homeowners policies are available only to active-duty military members, veterans and their families.
Arizona faces certain types of natural disasters that could damage your home. Here’s how to make sure you have the right coverage.
Floods
Arizona might not be the first state you think of when you picture flooding, but it does happen, especially during the monsoon season between June and September. In a strong thunderstorm, dry ground can quickly become oversaturated, resulting in a flash flood.
If floodwaters damage your house, your homeowners insurance policy generally won’t cover it. 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.
You can check your home’s risk of flooding by entering your address into the Federal Emergency Management Agency's flood maps or visiting RiskFactor.com, a website from the nonprofit First Street Foundation.
Arizona typically experiences hundreds of earthquakes each year, several of which are strong enough to feel. However, most homeowners insurance policies won’t cover earthquake damage. You can buy separate earthquake insurance to pay for damage to your home from the shifting earth.
Wildfires
Like many other Western states, Arizona is at risk for wildfires that can threaten homes. Standard homeowners insurance policies cover damage from fire, including wildfires.
Because a fire could destroy your home, you’ll want to make sure you have enough coverage to rebuild it completely. That means checking your dwelling coverage limit. Your insurance agent can help you choose the right amount.
In Arizona, the Department of Insurance and Financial Institutions oversees the state’s insurance industry and provides consumer protection. You can use the site to file a complaint against your insurance company or learn more about different types of insurance. You can reach the agency at 602-364-3100.
Home insurance is not required by state law, but your mortgage lender may require you to buy it.
What does Arizona homeowners insurance cover?
Arizona home insurance covers your home, other structures on the property and your personal belongings. It generally pays for damage due to fire, wind, theft and other events. The exact details will depend on your policy.
How can I save money on Arizona homeowners insurance?
Here are three ways to save money on homeowners insurance in Arizona:
Shop around to make sure you’re getting the best rate.
Choose a higher deductible. In case of any claims, you’ll pay more out of pocket, but your annual rates will be lower.
Bundle your home and auto insurance for an overall lower rate.
Is home insurance required in Arizona?
Home insurance is not required by state law, but your mortgage lender may require you to buy it.
What does Arizona homeowners insurance cover?
Arizona home insurance covers your home, other structures on the property and your personal belongings. It generally pays for damage due to fire, wind, theft and other events. The exact details will depend on your policy.
How can I save money on Arizona homeowners insurance?
Here are three ways to save money on homeowners insurance in Arizona:
Shop around to make sure you’re getting the best rate.
Choose a higher deductible. In case of any claims, you’ll pay more out of pocket, but your annual rates will be lower.
Bundle your home and auto insurance for an overall lower rate.
Amanda Shapland contributed to this story.
Methodology
NerdWallet averaged rates for 40-year-old homeowners from various insurance companies in every ZIP code across the state. All rates are rounded to the nearest $5.
Sample homeowners were nonsmokers with good credit living in a single-family, two-story home built in 1984. They had a $1,000 deductible and the following coverage limits:
$300,000 in dwelling coverage.
$30,000 in other structures coverage.
$150,000 in personal property coverage.
$60,000 in loss of use coverage.
$300,000 in liability coverage.
$1,000 in medical payments coverage.
We made minor changes to the sample policy in cases where rates for the above coverage limits or deductibles weren’t available.
We changed the credit tier from “good” to “poor,” as reported to the insurer, to see rates for homeowners with poor credit.
These are sample rates generated through Quadrant Information Services. Your own rates will be different.
Star rating methodology
NerdWallet’s homeowners insurance ratings reward companies for customer-first features and practices. Ratings are based on weighted averages of scores in several categories, including financial strength, consumer complaints, coverages, discounts and online experience. These ratings are a guide, but we encourage you to shop around and compare several insurance quotes to find the best rate for you. NerdWallet does not receive compensation for any reviews. Read our full homeowners insurance rating methodology.
Complaint methodology
NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2019-2021. To assess how insurers compare to one another, the NAIC calculates a complaint index each year for each subsidiary, measuring its share of total complaints relative to its size, or share of total premiums in the industry. To evaluate a company’s complaint history, NerdWallet calculated a similar index for each insurer, weighted by market shares of each subsidiary, over the three-year period. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC. Ratios are determined separately for auto, home (including renters and condo) and life insurance.
