Arizona Home Insurance

Arizona’s rapid development makes it a great place to buy a home and move into a newly developed neighborhood, and Arizonans know it’s best to protect one’s investment with a good homeowners insurance policy. The Simple Dollar aims to make understanding home insurance in Arizona easy with a comprehensive guide to resources and information on the housing market and the insurance industry for Arizona residents.

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Stats in Your State

To see how your home insurance premiums compare with the rest of Arizona and the U.S. average, and to get a sense of the housing market in Arizona, read through the charts and graphs listed below.

Homeowner Insurance Premiums

Arizona’s relatively low incidence of natural disasters and its stable climate make its home insurance premiums relatively low. Between 2000 and 2008, Arizona homeowners insurance premiums were consistently below the national average.

Renter Insurance Premiums

Converse to its low homeowners rates, renters insurance in Arizona has consistently been costlier than the U.S. average between 2000 and 2008, as evidenced by the graph below.

Existing Home Sales

The housing market in Arizona peaked in 2005 with 199,200 homes sold, and by 2007 had dipped to 105,500 sold, indicating an unstable market that eventually contributed to the U.S. housing market collapse in the following years.

Flood Insurance in Region

Despite its arid climate, Arizona still suffers from yearly flooding. In 2011-2012, 66 Arizona residents claimed roughly $560,000 in damages.

Homes Built

The vast majority of Arizona’s houses have been built following 1970, indicating a huge population increase in the second half of the 20th century, following a trend of many of America’s “frontier” states.

Rules in Your State

To protect your rights and be sure you’re getting treated fairly, it pays to know your rights when it comes to your home insurance policy. Click on the links below to learn more about how insurance is regulated in the Grand Canyon State.

Arizona Insurance Legislation

Prohibited and Unfair Trade Practices

If you suspect your insurer is treating you unfairly, you should read through the prohibited trade practices listed in the link above. If you’re unsure, or if you see that your insurer has treated you unfairly, you should consult with an attorney.

Arizona State Legislature - Title 20: Insurance

Insurance is regulated in Arizona by the Arizona Department of Insurance and Title 20 of the Arizona legal code, which sets forth how insurers must operate and how they must treat consumers.

Representatives & Resources in Your State

Use the following links to learn more about different types of homeowners insurance in Arizona, to contact your local government, and to find resources for disaster relief in Arizona.

Arizona Department of Insurance
Consumer Affairs Division
Arizona Department of Insurance
2910 N. 44th Street, Ste. 210
Phoenix, AZ 85018-7269
Fax: 602-364-2505
Contact Information
Get Directions
Consumer Guide to Homeowners Insurance
The Department of Insurance’s guide to homeowners insurance provides a great resource for consumers to learn more about home insurance.
2013 Consumer Guide and Premium Comparison for Homeowner Insurance
Compare premiums in Arizona with other homeowners using this handy resource from the Department of Insurance.
Consumer Complaint Resource
The above link will provide consumers with a place to file complaints against specific insurers for unfair practices and bad claims handling.

Arizona Emergency Information Network (AZEIN)
c/o Arizona Division of Emergency Management
5636 E. McDowell Road
Phoenix, Arizona 85008
(602) 689-6512
Get Directions
AZEIN Contact Information Page
The AZEIN provides updates and resources for residents to be prepared for disasters, storms, wildfires, and general safety tips.

Disaster Relief and Claims
FEMA Region 9 Contact Information
Arizona’s heavy forests and dry weather make it a veritable tinderbox for wildfires, and in turn a regular response area for the Federal Emergency Management Administration (FEMA). Whether it’s a wildfire, drought, or spring floods, Arizona residents face a number of natural disasters. The above link provides contact information for the regional FEMA offices.