Arizona Home Insurance

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Homeowners Insurance in AZ

General Liability Claims Living in Arizona, you know the weather can go from extremely hot to considerably cold. Depending on where you live, weather in the Grand Canyon State can cause:
 
  • Lightning
  • Fire
  • Snow
  • Dust storms
The desert climate comes with beautiful views but living in Arizona can also come with harsh weather that causes wear and tear on your home. The Hartford knows what Arizona homeowners must deal with throughout the year – from powerful haboobs to extreme heat. So, whether a dust storm knocks a tree onto your garage or the summer sun causes your shingles to crack and break, you can count on the AARP® Homeowners Insurance Program from The Hartford1 to have you covered.
 
It doesn’t matter where you live throughout the state. Whether you’re in Phoenix, Tucson, Scottsdale, Mesa, Chandler or anywhere in between, we can help you protect your home in Arizona with homeowners insurance that has your back.
 

Arizona Homeowners Insurance Coverage Types

A couple sitting on a porch at their home At The Hartford, we offer a wide range of coverages. Here’s what our standard coverage typically includes:
 
  • Dwelling coverage helps protect your Arizona home and the structures directly attached to it. This can include your roof, walls, flooring, heating and air conditioning.
  • Personal property coverage helps cover your belongings in your home. Personal property coverage can help pay to repair or replace items like furniture, clothing and jewelry.
  • Personal liability coverage helps cover the costs of your legal defense against a liability claim or lawsuit, plus other costs you may be responsible to pay for. For example, if your dog bites a guest in your home, this coverage can help cover their hospital bills.
  • Other structures coverage helps protect structures not directly attached to your home such as garages, gazebos, sheds or swimming pools.
  • Loss of use helps cover your living expenses if you can’t stay in your home. For example, if you have a kitchen fire and need to stay at a hotel, this coverage can help cover your bill, up to your policy limit.
  • Medical payments coverage helps pay a person’s medical bills, up to your policy limit, if they’re injured on your property. It doesn’t matter if you’re legally responsible or not. For example, if your neighbor slips and falls on your back porch, this coverage can help pay for their treatment costs.2
  • Additional Limits coverage helps cover your costs if your dwelling coverage limit isn't enough to rebuild your home after a total loss. It provides extra coverage up to 125% of your dwelling coverage limit. In some states, additional coverage up to 150% is also available.

Is AZ Homeowners Insurance Required by Law?

Homeowners insurance isn’t usually required by law in Arizona, but you may need it if you financed your home with a mortgage. Even if you’re not required to have it, getting an Arizona homeowners insurance policy is a good idea.
 

More Arizona Homeowners Insurance Coverages

You know your home best. That’s why we make it easy to customize your homeowners insurance coverage to address your specific needs. Protect your property even more from damages by adding any of these additional coverages:
 
  • Homeowners equipment breakdown coverage helps cover mechanical or electrical breakdowns of your appliances and even provides coverage if you want to make “green” upgrades. It pays up to 125% of your cost to replace any covered equipment with items that are similar, but more energy efficient or environmentally friendly. However, it does not help cover normal wear and tear.
  • Valuable Items Blanket coverage ensures you have the coverage you need for lost, damaged or stolen valuables, including jewelry, fine art, golf equipment and many other items.
  • Enhanced personal injury liability coverage helps protect you against libel or slander claims.
  • Identity fraud expense coverage pays for out-of-pocket expenses to help you recover from fraud.
  • Lock replacement reimbursement covers up to $500 with a $100 deductible if your keys are stolen or lost.
  • Disappearing Property Deductible‡‡ lowers your deductible each year if you go three consecutive years without filing a claim.
Homeowners insurance doesn’t typically cover flood damage, so you’ll need a separate flood insurance policy to help make sure you’re protected.
 

What Is the Average Cost of Homeowner Insurance in Arizona?

Arizona has been ranked as the 46th most expensive state in the country in terms of homeowners insurance costs. According to the Insurance Information Institute (III), the average cost of a homeowners insurance premium in AZ is $850, while the national average is $1,272.3
 
Insurance companies determine homeowners insurance rates based on several factors, such as:
 

Building Costs

When determining your homeowners insurance rate, your insurance company will factor in the replacement cost to rebuild your home after it’s destroyed by a covered loss. This amount is influenced by labor and construction costs in your area. The higher these building costs are, the higher your homeowners insurance rate may be.
 

Your Home’s Size

The size of your home can affect your homeowners insurance rate, because the larger your home is, the more it may cost to rebuild it if it’s destroyed after a covered event.
 

Natural Disasters

If you live in a state that’s more susceptible to natural disasters, you may pay a higher homeowners insurance cost.
 

Claims History

You’ll likely pay a lower rate if you remain claim-free on your homeowners insurance policy.
 

Arizona Home Insurance Discounts

There are many ways to save on your homeowners insurance in Arizona. At The Hartford, we offer homeowners insurance discounts to help lower your premiums.
 

Bundled Insurance Discount

If you have car insurance through The Hartford, you can bundle it with your home insurance policy to qualify for a discount.** This can help you save up to 5% on your car insurance and up to 20% on your home insurance.
 

Home Security

At The Hartford, we believe you deserve to be rewarded for protecting your home. That’s why installing burglar alarms or fire sprinkler systems can help lower your premium.
 

Get a Fast and Free Quote for Arizona Home Insurance From The Hartford

To find out how much you can save, speak with one of our specialists today. Our team has worked with Arizona homeowners for years. We’re here to help protect your Arizona home with the right coverage at the right price. Start today by getting your homeowners insurance quote online, or call us at 877-422-2345.
 
 
Last Updated: June 16, 2023
 
2 Medical payments are calculated on the basis of usual, customary, and reasonable charges.
 
3 Insurance Information Institute (III), “Facts + Statistics: Homeowners and renters insurance”
** Automobile/Homeowners discount is available only to policyholders who have both their auto and home (or condo or renters) insurance through the AARP Auto & Home Insurance Programs from The Hartford.
‡‡ Terms and conditions apply.
 
Additional disclosures below.
Summaries of coverages and policy features are for informational purposes only. In the event of loss, the actual terms and conditions set forth in your policy will determine your coverage.
 
AARP and its affiliates are not insurers. Paid endorsement. The Hartford pays royalty fees to AARP for the use of its intellectual property. These fees are used for the general purposes of AARP. AARP membership is required for Program eligibility in most states.
 
The AARP Auto Insurance Program from The Hartford is underwritten by Hartford Fire Insurance Company and its affiliates, One Hartford Plaza, Hartford, CT 06155. It is underwritten in AZ, MI and MN by Hartford Insurance Company of the Southeast; in CA, by Hartford Underwriters Insurance Company; in WA, by Hartford Casualty Insurance Company; in MA, by Trumbull Insurance Company; and in PA, by Nutmeg Insurance Company and Twin City Fire Insurance Company. The AARP Home Insurance Program from The Hartford is underwritten by Hartford Fire Insurance Company and its affiliates, One Hartford Plaza, Hartford, CT 06155. It is underwritten in AZ, MI and MN by Hartford Insurance Company of the Southeast; in CA by Property and Casualty Insurance Company of Hartford; in WA, by Trumbull Insurance Company; in MA, by Trumbull Insurance Company, Sentinel Insurance Company, Hartford Insurance Company of the Midwest, and Hartford Accident and Indemnity Company; and in PA, by Nutmeg Insurance Company. Home product is not available in all areas, including the state of FL. Savings, benefits and coverages may vary and some applicants may not qualify. The Program is currently unavailable in Canada and U.S. Territories or possessions.
 
1 In Texas, the Auto Program is underwritten by Redpoint County Mutual Insurance Company through Hartford of the Southeast General Agency, Inc. Hartford Fire Insurance Company and its affiliates are not financially responsible for insurance products underwritten and issued by Redpoint County Mutual Insurance Company. The Home Program is underwritten by Hartford Insurance Company of the Southeast.
 
* Customer reviews are collected and tabulated by The Hartford and not representative of all customers.
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