The Best 4 Homeowners Insurance Companies in Arizona

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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. The average annual premium of $813 falls 34 percent below the national average of $1,228, according to Insurance.com. However, the dry climate does create opportunities for 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 think offer 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.

Our Top Picks for Best Homeowners Insurance in Arizona

  • State Farm
  • Allstate
  • Farmers
  • American Family

Find the Best Home Insurance

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 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 its 24/7 support hotline, online portal, in person with a representative, or by using the State Farm Mobile app.

State Farm also offers resources that help ease the claims process. Its step-by-step home inventory guide helps you keep a 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.

Take advantage of one of the many discount packages available when you bundle policies with State Farm.

Allstate

When it comes to educational resources and tools, Allstate has it all. 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. Buy a hail-resistant roof, a security system or storm shutters in areas where the risk applies, and save even more on your policy. The company will knock 10 percent off for new customers, and 5 percent 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. Choose from three levels of protection: Standard, Enhanced and Premier.

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 Mobile 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 valuable 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 number 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.

Owners of smart homes and those who want to add smart home features can find help learning how these features can help you save money on the American Family website. Best of all, you’re rewarded with discounts for implementing smart home features.

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 include 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 percent off your policy, so contact AmFam to determine your eligibility and factor these savings into your Arizona homeowners insurance quotes.

How much is homeowners insurance in Arizona?

The $813 average annual cost of a homeowners insurance policy in Arizona is $415 lower than the national average. This cost will vary based on a number of factors, including the city where you live and the risk of local catastrophes, which are discussed in more detail in the next section.

Arizona Rate Factors

The warm, dry weather in Arizona makes the state on the less risky end of common catastrophes that can affect insurance rates. The desert climate makes all but the tree-lined mountains unlikely to be exposed to wildfire. Flash flooding and hail are two of the more common catastrophe types here. Winter storms may occur in high elevations, but they are relatively mild compared with other parts of the country.

The 4 Best Arizona Homeowners Insurance Companies

  • State Farm
  • Allstate
  • Farmers
  • American Family

Find the Best Home Insurance

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.