The 4 Best Arizona Homeowners Insurance Companies

Advertiser Disclosure

Fortunately for residents of the Grand Canyon State, the risk of a natural disaster is low, resulting in some of the lowest homeowners insurance rates in the country. However, the dry climate does create opportunities for rare-but-possible flash floods and wildfires, so homeowners should be aware of potential risks when shopping for a policy.

After analyzing several of the largest providers of homeowners insurance in Arizona, we’ve outlined the ones we felt offered the best value for the cost. We’ve also included a quote tool below so you can start shopping around and accurately comparing policies and prices:

Find the Best Home Insurance Rates

Enter your ZIP code below and be sure to click at least 2-3 companies to find the very best rate.

State Farm

State Farm owns the largest portion of the Arizona homeowners insurance market and has a reputation for providing affordable policies and quality customer care. A standard policy from State Farm provides dwelling coverage for just about any type of Arizona home, including condos, ranches, and mobile homes. You can supplement your State Farm homeowners insurance policy with one of their many add-on options to protect what matters most to you without paying for coverage you don’t need.

Should your home experience a loss and you need to report a claim, State Farm is there for you in more ways than one. You can file a claim using their 24/7 support hotline, online portal, in person with a representative, or using the State Farm Pocket Agent mobile app.

State Farm also offers resources that help ease the claims process — their HomeIndex inventory tool helps you keep a synced catalog of your covered possessions so you can be better prepared and respond efficiently in the event of an emergency. State Farm’s Premier Service Program connects you with contractors in your area to perform necessary water mitigation services or flooring repairs after a covered loss, restoring your home to livable condition sooner.

Allstate

When it comes to educational resources and tools, Allstate takes the cake. Potential Allstate customers can take advantage of the company’s online resource center, which provides plenty of information to help you decide on the perfect combination of homeowners insurance coverage to suit your needs.

Allstate customers have access to top-of-the-line policy management tools. Allstate’s Premium Gauge, for example, allows you to see how different variables directly affect the price of your annual premium, helping you save wherever possible.

Allstate also helps customers save money by extending unique discount opportunities. The company will knock 10% off for new customers, and 5% just for using automatic bill-pay. Other discounts, like those for installing protective devices and bundling multiple insurance policies, vary by state, so contact your local Arizona Allstate representative for more information on how you can save on your homeowners insurance policy.

Farmers

With an A (excellent) rating from A.M. Best and some of the best discounts and claims management tools in the industry, Farmers is a great option for affordable homeowners insurance in Arizona.

Farmers offers discounts to those who have bundled their homeowners and auto insurance policies, installed security devices, and recently replaced major home systems or the roof of their home. The company also extends an additional price break if every resident in your home is a non-smoker.

The arduous process of filing a claim is made simpler through Farmers’ multiple reporting avenues and helpful tools. Customers can file homeowners insurance claims in person, online, over the phone, or using the Farmers iClaim app. Each claim is then assigned to a professional claims specialist and can be tracked until its resolution using Farmer’s online Claims Tracker tool. Farmers’ InnerCircle online resource center provides value homeowners information, as well as assistance in managing your specific policy.

American Family

American Family, the second-largest provider of homeowners insurance in Arizona, offers some of the cheapest coverage available in the state.

A standard AmFam policy protects homeowners against damage from fire, lightning, windstorms, smoke, vandalism, and theft. The company helps you customize your policy by offering a solid amount of add-on coverage options — including personal property replacement, injury protection, and personal liability. Homeowners operating day care centers or home offices and studios can also opt for additional coverage to ensure these assets are protected in the event of a loss.

American Family offers many ways for you to save money on your premium. The company provides discounts to customers who have remained claims-free for at least six years, as well as to loyal customers who have insured with AmFam for five years or more. Other discount opportunities including those for various policy-bundling combinations, homes with protective devices, newer homes, and homes built with impact-resistant roofs. Taking advantage of these discounts can save over 30% off your policy, so contact AmFam to determine your eligibility and factor these savings into your Arizona homeowners insurance quotes.

The 4 Best Arizona Homeowners Insurance Companies

  • State Farm
  • Allstate
  • Farmers
  • American Family

Find the Best Home Insurance Rates

Enter your ZIP code below and be sure to click at least 2-3 companies to find the very best rate.

The Simple Dollar offers resources for homeowners in every state. If you’re looking for more information, visit our comprehensive guide to home insurance. You can also visit our insurance archives for resources on renters insurance, car insurance, and more.