{"id":325165,"date":"2025-11-12T16:24:26","date_gmt":"2025-11-12T21:24:26","guid":{"rendered":"https:\/\/www.reviews.com\/?page_id=96325"},"modified":"2025-11-14T08:56:04","modified_gmt":"2025-11-14T13:56:04","slug":"best-in-arizona","status":"publish","type":"page","link":"https:\/\/www.reviews.com\/insurance\/homeowners\/best-in-arizona\/","title":{"rendered":"The Best Homeowners Insurance in Arizona of 2025"},"content":{"rendered":"\n<h2 class=\"wp-block-heading\">Reviews Report<\/h2>\n\n\n\n<ul class=\"is-style-blog-list\">\n<li>Auto-Owners is our choice for the best home insurance for customer service in Arizona.<\/li>\n\n\n\n<li>In 2025, recent statewide analyses estimate typical Arizona homeowners premiums around $1,650\u2013$1,900 per year for about $300,000 in dwelling coverage.<\/li>\n\n\n\n<li>Arizona\u2019s premiums have risen sharply since 2021; historically the state has trended below the U.S. average expenditure, and the latest audited U.S. average (2022) was $1,522.<\/li>\n<\/ul>\n\n\n\n<p>Homeowners insurance is not a legal requirement in Arizona, but homeowners in the Grand Canyon State may be required to have it as part of their mortgage contract. Overall, <a class=\"achor-toggles\" href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/about\/\">home insurance<\/a> protects your finances from damages or loss to your home and personal belongings, as well as providing financial protection from your liability in the event of a bodily injury claim.&nbsp;<\/p>\n\n\n\n<p>Dozens of home insurance companies serve homeowners in Arizona. If you are buying home insurance for the first time, or are thinking about switching to a new provider, it is important to do some research to find the right fit. Not all Arizona home insurance companies are created equal, and the best provider for you might not be the best option for your neighbor. In 2025, tightened underwriting and higher materials\/labor costs mean quotes can vary widely by ZIP code, roof age\/material, proximity to wildfire-prone areas and prior loss history \u2014 making comparison shopping essential.<\/p>\n\n\n\n<p>To help you in your search for the <a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/best\/\" class=\"achor-toggles\">best home insurance companies<\/a> in Arizona, we used our in-house methodology to compare discounts, coverage options, and third-party ratings for some of the most popular providers. For pricing context, we reference recent 2025 statewide analyses from Bankrate, ValuePenguin\/LendingTree, and NerdWallet, and we note that the most recent audited benchmark from the Insurance Information Institute using NAIC data reflects 2022 average expenditures.<\/p>\n\n\n\n<p><a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/compare-quotes-pm\/\">Compare quotes<\/a> from carriers that provide home insurance in Arizona to make sure you get the best homeowners insurance rates available.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">The 6 Best Home Insurance Companies in Arizona<\/h2>\n\n\n\n<ul>\n<li><a href=\"#auto-owners\" rel=\"nofollow\" class=\"achor-toggles\">Auto-Owners<\/a>: Best for Customer Service<\/li>\n\n\n\n<li><a href=\"#usaa\" rel=\"nofollow\" class=\"achor-toggles\">USAA<\/a>: Best for Military-Focused Coverage<\/li>\n\n\n\n<li><a href=\"#allstate\" rel=\"nofollow\" class=\"achor-toggles\">Allstate<\/a>: Best for Perks<\/li>\n\n\n\n<li><a href=\"#amfam\" rel=\"nofollow\" class=\"achor-toggles\">American Family<\/a>: Best for Discounts<\/li>\n\n\n\n<li><a href=\"#travelers\" rel=\"nofollow\" class=\"achor-toggles\">Travelers<\/a>: Best for Customization<\/li>\n\n\n\n<li><a href=\"#statefarm\" rel=\"nofollow\" class=\"achor-toggles\">State Farm<\/a>: Best for Policy Management<\/li>\n<\/ul>\n\n\n\t\t\n<section id=\"block_60ed92dc9d04e\" class=\"b-compare-table\">\n\t<h2 class=\"b-compare-table-title\">Compare the Best Home Insurance Companies in Arizona<\/h2>\n\n\t\t\t<div class=\"b-compare-table__table-wrapper\">\n\t\t\t<table class=\"b-compare-table__table\">\n\t\t\t\t<thead class=\"b-compare-table__table-head\">\n\t\t\t\t\t<tr>\n\t\t\t\t\t\t<th><\/th>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<th>\n\t\t\t\t\t\t\t\t<span class=\"b-compare-table__table-head-brand \">\n\t\t\t\t\t\t\t\t\tAverage Annual Premiums*\n\t\t\t\t\t\t\t\t\t<span class=\"tooltip-content\">\n\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<\/th>\n\n\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<th>\n\t\t\t\t\t\t\t\t<span class=\"b-compare-table__table-head-brand tooltip\">\n\t\t\t\t\t\t\t\t\tAM Best\n\t\t\t\t\t\t\t\t\t<span class=\"tooltip-content\">\n\t\t\t\t\t\t\t\t\t\tAM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<\/th>\n\n\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<th>\n\t\t\t\t\t\t\t\t<span class=\"b-compare-table__table-head-brand tooltip\">\n\t\t\t\t\t\t\t\t\tJ.D. Power Customer Satisfaction**\n\t\t\t\t\t\t\t\t\t<span class=\"tooltip-content\">\n\t\t\t\t\t\t\t\t\t\tJ.D. Power scores are based on surveys for customer satisfaction and product quality.\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<\/th>\n\n\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t<th><\/th>\n\t\t\t\t<\/thead>\n\t\t\t<\/tr>\n\t\t<\/thead>\n\t\t<tbody class=\"b-compare-table__table-body\">\n\t\t\t\t\t\t\t<tr id=\"block_60ed92dc9d04e-1\">\n\t\t\t\t\t<td>\n\t\t\t\t\t\t<a class=\"b-compare-table__table-body-pin-btn\" href=\"#\" data-tag='cta' data-tag-element-type='BUTTON' data-tag-location='COMPARISONTABLE' data-tag-outcome='PIN' data-tag-position='1'>Pin<\/a>\n\n\t\t\t\t\t\t<span class=\"b-compare-table__table-body-brand\">Auto-Owners<\/span>\n\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$1,025<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>A++<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>831<\/td>\n\t\t\t\t\t\n\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t<tr id=\"block_60ed92dc9d04e-2\">\n\t\t\t\t\t<td>\n\t\t\t\t\t\t<a class=\"b-compare-table__table-body-pin-btn\" href=\"#\" data-tag='cta' data-tag-element-type='BUTTON' data-tag-location='COMPARISONTABLE' data-tag-outcome='PIN' data-tag-position='2'>Pin<\/a>\n\n\t\t\t\t\t\t<span class=\"b-compare-table__table-body-brand\">USAA<\/span>\n\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$610<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>A++<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>882<\/td>\n\t\t\t\t\t\n\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t<tr id=\"block_60ed92dc9d04e-3\">\n\t\t\t\t\t<td>\n\t\t\t\t\t\t<a class=\"b-compare-table__table-body-pin-btn\" href=\"#\" data-tag='cta' data-tag-element-type='BUTTON' data-tag-location='COMPARISONTABLE' data-tag-outcome='PIN' data-tag-position='3'>Pin<\/a>\n\n\t\t\t\t\t\t<span class=\"b-compare-table__table-body-brand\">Allstate<\/span>\n\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$1,224<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>A+<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>829<\/td>\n\t\t\t\t\t\n\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t<tr id=\"block_60ed92dc9d04e-4\">\n\t\t\t\t\t<td>\n\t\t\t\t\t\t<a class=\"b-compare-table__table-body-pin-btn\" href=\"#\" data-tag='cta' data-tag-element-type='BUTTON' data-tag-location='COMPARISONTABLE' data-tag-outcome='PIN' data-tag-position='4'>Pin<\/a>\n\n\t\t\t\t\t\t<span class=\"b-compare-table__table-body-brand\">American Family<\/span>\n\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$1,097<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>A<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>831<\/td>\n\t\t\t\t\t\n\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t<tr id=\"block_60ed92dc9d04e-5\">\n\t\t\t\t\t<td>\n\t\t\t\t\t\t<a class=\"b-compare-table__table-body-pin-btn\" href=\"#\" data-tag='cta' data-tag-element-type='BUTTON' data-tag-location='COMPARISONTABLE' data-tag-outcome='PIN' data-tag-position='5'>Pin<\/a>\n\n\t\t\t\t\t\t<span class=\"b-compare-table__table-body-brand\">Travelers<\/span>\n\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$1,705<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>A++<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>800<\/td>\n\t\t\t\t\t\n\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t<tr id=\"block_60ed92dc9d04e-6\">\n\t\t\t\t\t<td>\n\t\t\t\t\t\t<a class=\"b-compare-table__table-body-pin-btn\" href=\"#\" data-tag='cta' data-tag-element-type='BUTTON' data-tag-location='COMPARISONTABLE' data-tag-outcome='PIN' data-tag-position='6'>Pin<\/a>\n\n\t\t\t\t\t\t<span class=\"b-compare-table__table-body-brand\">State Farm<\/span>\n\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$1,014<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>A++<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>835<\/td>\n\t\t\t\t\t\n\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t<\/tr>\n\t\t\t\t\t<\/tbody>\n\t<\/table>\n<\/div><\/section>\n\n\n\n<p><em>Information in company comparison modules reflects historical datasets; broader pricing and satisfaction context has been updated for 2025.<\/em><\/p>\n\n\n\n<p><em>*Historical rate data sourced from Bankrate.com; current 2025 statewide pricing ranges are discussed below.<\/em><\/p>\n\n\n\n<p><em>**J.D. Power <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2025-us-home-insurance-study\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">U.S. Home Insurance Study<\/a>. Based on a 1,000-point scale. <\/em><\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"auto-owners\" title=\"Auto-Owners\"><\/span>\n    \n\n                                                \n\n\n<section id=\"auto-owners\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">Auto-Owners<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for Customer Service: Auto-Owners<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> Why we chose it<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                Featuring low average premiums and numerous discounts, Auto-Owners also stands out for its strong customer service ratings and breadth of coverage options.\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/quotes\/?rvitemid=337424-20\" class=\"reviews-btn--primary\" rel=\" sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">$1,025*<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Average Premium\n                                                    <span class=\"tooltip-content\">Pricing data comes from our partners at Bankrate.com.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A++<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">831**<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                Featuring low average premiums and numerous discounts, Auto-Owners also stands out for its strong customer service ratings and breadth of coverage options.\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Nearly a dozen possible discounts <\/li>\n                            <li>Guaranteed home replacement cost coverage<\/li>\n                            <li>Low customer complaint and high customer satisfaction rating <\/li>\n                        <\/ul>\n\n                            <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                        <li>No online or mobile claims capabilities <\/li>\n                                        <li>No online quotes available<\/li>\n                                    <\/ul>\n                    <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">Add-on Coverage<\/h4>\n                <div> <ul style=\"columns: 2;\">\n<li>Identity theft<\/li>\n<li>Sewer or drain backup<\/li>\n<li>Ordinance or law coverage<\/li>\n<li>Extended personal property<\/li>\n<li>Equipment breakdown<\/li>\n<li>Guaranteed home replacement<\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">Available Discounts<\/h4>\n                <div> <ul style=\"columns: 2;\">\n<li>Multi-policy<\/li>\n<li>Pay in full<\/li>\n<li>Paperless billing<\/li>\n<li>Mortgage-free<\/li>\n<li>Protective devices<\/li>\n<li>Automatic backup generator<\/li>\n<li>Advance quote<\/li>\n<li>Water shut-off system<\/li>\n<li>Favorable loss history<\/li>\n<li>Pay on time<\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">More Auto-Owners Insurance Reviews<\/h4>\n                <div> <ul>\n<li><a href=\"https:\/\/www.reviews.com\/insurance\/car\/auto-owners-review\/\">Auto-Owners Auto Insurance Review<\/a><\/li>\n<li><a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/auto-owners-review\/\">Auto-Owners Home Insurance Review<\/a><\/li>\n<\/ul>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n            <span class=\"b-toc-anchor\" id=\"usaa\" title=\"USAA\"><\/span>\n    \n\n                                                \n\n\n<section id=\"usaa\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">USAA<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for Military-Focused Coverage: USAA<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> Why we chose it<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                USAA offers a high level of customer service along with solid coverage at a competitive price compared to other home insurance companies in Arizona \u2014 but only for former or current military and their families.\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/www.dpbolvw.net\/click-5941215-10998643?sid=\" class=\"reviews-btn--primary\" rel=\"nofollow sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">$610*<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Average Premium\n                                                    <span class=\"tooltip-content\">Pricing data comes from our partners at Bankrate.com.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A++<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">882**<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                USAA offers a high level of customer service along with solid coverage at a competitive price compared to other home insurance companies in Arizona \u2014 but only for former or current military and their families.\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Strong financial and customer satisfaction rankings <\/li>\n                            <li>Low NAIC customer complaint index<\/li>\n                            <li>Mobile claim filing and tracking <\/li>\n                        <\/ul>\n\n                            <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                        <li>Limited available discounts <\/li>\n                                        <li>Limited additional coverage options<\/li>\n                                        <li>Only available to military members<\/li>\n                                    <\/ul>\n                    <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">Add-on Coverage<\/h4>\n                <div> <ul>\n<li>Home sharing<\/li>\n<li>Earthquake<\/li>\n<li>Identity theft<\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">Available Discounts<\/h4>\n                <div> <ul>\n<li>Multi-policy<\/li>\n<li>Claims-free<\/li>\n<li>Home security system<\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">More USAA Insurance Reviews<\/h4>\n                <div> <ul>\n<li><a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/usaa-review\/\">USAA Homeowners Insurance Review<\/a><\/li>\n<li><a href=\"https:\/\/www.reviews.com\/insurance\/renters\/usaa-review\/\">USAA Renters Insurance Review<\/a><\/li>\n<li><a href=\"https:\/\/www.reviews.com\/insurance\/car\/usaa-review\/\">USAA Auto Insurance Review<\/a><\/li>\n<\/ul>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n            <span class=\"b-toc-anchor\" id=\"allstate\" title=\"Allstate\"><\/span>\n    \n\n                                                \n\n\n<section id=\"allstate\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">Allstate<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for Perks: Allstate<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> Why we chose it<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                Allstate offers abundant discounts, and additional perks such as Claim RateGuard, which keeps your rate stable if you make a claim.\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/d.agkn.com\/pixel\/2267\/?che=[cachebuster]&#038;col=345361,859480,11659822&#038;l1=https:\/\/www.allstate.com\/landingpages\/lsp\/Affiliate-home-desktop.html?CID=AFF-REV-HO-074205-200616&#038;campaign=444490000074205&#038;clickid={clickid}&#038;source={irpid}&#038;subsource={sharedid}&#038;IRCmpID={ircid}&#038;rvitemid=325257-20\" class=\"reviews-btn--primary\" rel=\"nofollow sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">$1,224*<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Average Premium\n                                                    <span class=\"tooltip-content\">Pricing data comes from our partners at Bankrate.com.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A+<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">829**<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                Allstate offers abundant discounts, and additional perks such as Claim RateGuard, which keeps your rate stable if you make a claim.\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>More-than-average additional coverage options <\/li>\n                            <li>Claims-free rewards <\/li>\n                            <li>Digital home inventory app available<\/li>\n                        <\/ul>\n\n                            <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                        <li>High customer complaint ratings <\/li>\n                                        <li>Average customer satisfaction ratings<\/li>\n                                    <\/ul>\n                    <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">Add-on Coverage<\/h4>\n                <div> <ul style=\"columns:2;\">\n<li>ID theft<\/li>\n<li>Eco-friendly improvements<\/li>\n<li>Sports\/musical equipment<\/li>\n<li>Yard and garden<\/li>\n<li>Water backup<\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">Available Discounts<\/h4>\n                <div> <ul style=\"columns:2;\">\n<li>Auto-pay<\/li>\n<li>Homebuyer <\/li>\n<li>10% welcome discount<\/li>\n<li>Early signing<\/li>\n<li>Multi-policy<\/li>\n<li>Responsible payer<\/li>\n<li>Claims-free<\/li>\n<li>Easy payment plan<\/li>\n<li>Protective devices<\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">More Allstate Insurance Reviews<\/h4>\n                <div> <ul>\n<li><a href=\"https:\/\/www.reviews.com\/insurance\/renters\/allstate-review\/\">Allstate Renters Insurance Review<\/a><\/li>\n<li><a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/allstate-review\/\">Allstate Homeowners Insurance Review<\/a><\/li>\n<li><a href=\"https:\/\/www.reviews.com\/insurance\/car\/allstate-review\/\">Allstate Auto Insurance Review<\/a><\/li>\n<\/ul>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n            <span class=\"b-toc-anchor\" id=\"amfam\" title=\"American Family\"><\/span>\n    \n\n                                                \n\n\n<section id=\"american-family\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">American Family<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for Discounts: American Family<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> Why we chose it<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                A generous handful of discounts allow policyholders to have a variety of ways to save money, while a user-friendly website allows you to find the right coverage for you with home insurance in Arizona comparisons.\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/quotes\/?rvitemid=315496-20\" class=\"reviews-btn--primary\" rel=\" sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">$1,097*<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Average Premium\n                                                    <span class=\"tooltip-content\">Pricing data comes from our partners at Bankrate.com.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">831<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                A generous handful of discounts allow policyholders to have a variety of ways to save money, while a user-friendly website allows you to find the right coverage for you with home insurance in Arizona comparisons.\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Personalized coverage available <\/li>\n                            <li>Plenty of discounts <\/li>\n                            <li>Digital tools and resource available<\/li>\n                        <\/ul>\n\n                            <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                        <li>Lower financial stability than competitors <\/li>\n                                    <\/ul>\n                    <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">Add-on Coverage<\/h4>\n                <div> <ul style=\"columns:2;\">\n<li>Equipment breakdown<\/li>\n<li>Matching siding protection<\/li>\n<li>Sump pump and water backup<\/li>\n<li>Credit theft<\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">Available Discounts<\/h4>\n                <div> <ul style=\"columns:2;\">\n<li>Multi-policy<\/li>\n<li>Smart home devices<\/li>\n<li>New home<\/li>\n<li>Renovated home<\/li>\n<li>Auto<\/li>\n<li>Full pay<\/li>\n<li>Paperless payment<\/li>\n<li>Loyalty<\/li>\n<li>Generational discount<\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">More American Family Insurance Reviews<\/h4>\n                <div> <ul>\n<li><a href=\"https:\/\/www.reviews.com\/insurance\/car\/american-family-review\/\">American Family Auto Insurance Review<\/a><\/li>\n<li><a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/american-family-review\/\">American Family Home Insurance Review<\/a><\/li>\n<\/ul>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n            <span class=\"b-toc-anchor\" id=\"travelers\" title=\"Travelers\"><\/span>\n    \n\n                                                \n\n\n<section id=\"travelers\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">Travelers<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for Customization: Travelers<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> Why we chose it<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                For homeowners who want their homeowners insurance in Arizona to reflect their specific circumstances, Travelers might be a good option. Its add-on riders allow homeowners to customize their policy to meet their needs.\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/quotes\/?rvitemid=331696-20\" class=\"reviews-btn--primary\" rel=\" sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">$1,705*<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Average Premium\n                                                    <span class=\"tooltip-content\">Pricing data comes from our partners at Bankrate.com.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A++<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">800**<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                For homeowners who want their homeowners insurance in Arizona to reflect their specific circumstances, Travelers might be a good option. Its add-on riders allow homeowners to customize their policy to meet their needs.\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Eco-friendly coverage  <\/li>\n                            <li>Accurate online quote tool<\/li>\n                            <li>Generous discounts<\/li>\n                        <\/ul>\n\n                            <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                        <li>Can&#8217;t purchase policy online <\/li>\n                                        <li>Lower customer satisfaction than competitors<\/li>\n                                    <\/ul>\n                    <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">Add-on Coverage<\/h4>\n                <div> <ul style=\"columns:2;\">\n<li>Special personal property<\/li>\n<li>Jewelry and valuable items<\/li>\n<li>Identity fraud<\/li>\n<li>Contents replacement cost<\/li>\n<li>Personal articles floater<\/li>\n<li>Green home coverage<\/li>\n<li>Additional replacement cost protection<\/li>\n<li>Water backup and sump pump discharge<\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">Available Discounts<\/h4>\n                <div> <ul style=\"columns:2;\">\n<li>Multi-policy<\/li>\n<li>Home buyer<\/li>\n<li>Loss-free<\/li>\n<li>Protective devices<\/li>\n<li>Green home discount<\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">More Travelers Insurance Reviews<\/h4>\n                <div> <ul>\n<li><a href=\"https:\/\/www.reviews.com\/insurance\/car\/travelers-review\/\">Travelers Auto Insurance Review<\/a><\/li>\n<li><a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/travelers-review\/\">Travelers Homeowners Insurance Review<\/a><\/li>\n<li><a href=\"https:\/\/www.reviews.com\/insurance\/renters\/travelers-review\/\">Travelers Renters Insurance Review<\/a><\/li>\n<\/ul>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n            <span class=\"b-toc-anchor\" id=\"statefarm\" title=\"State Farm\"><\/span>\n    \n\n                                                \n\n\n<section id=\"state-farm\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">State Farm<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for Policy Management: State Farm<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> Why we chose it<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                State Farm&#8217;s best-in-its-class website features an informative blog for those new to Arizona home insurance, and gives policyholders the ability to easily manage their account online, including filing and managing claims.\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/quotes\/?rvitemid=331752-20\" class=\"reviews-btn--primary\" rel=\" sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">$1,014*<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Average Premium\n                                                    <span class=\"tooltip-content\">Pricing data comes from our partners at Bankrate.com.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A++<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">835**<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                State Farm&#8217;s best-in-its-class website features an informative blog for those new to Arizona home insurance, and gives policyholders the ability to easily manage their account online, including filing and managing claims.\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>User-friendly website <\/li>\n                            <li>Informational blog <\/li>\n                            <li>Strong financial stability ratings<\/li>\n                            <li>Good customer service ratings<\/li>\n                        <\/ul>\n\n                            <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                        <li>Limited discounts advertised<\/li>\n                                    <\/ul>\n                    <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">Add-on Coverage<\/h4>\n                <div> <ul style=\"columns:2;\">\n<li>Water seepage<\/li>\n<li>Mold<\/li>\n<li>Earthquake<\/li>\n<li>Personal property<\/li>\n<li>Flood<\/li>\n<li>Replacement cost<\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">Available Discounts<\/h4>\n                <div> <ul>\n<li>Multi-policy<\/li>\n<li>Home security device<\/li>\n<li>Impact-resistant roofing<\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">More State Farm Insurance Reviews<\/h4>\n                <div> <ul>\n<li><a href=\"https:\/\/www.reviews.com\/insurance\/car\/state-farm-review\/\">State Farm Auto Insurance Review<\/a><\/li>\n<li><a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/state-farm-review\/\">State Farm Homeowners Insurance Review<\/a><\/li>\n<li><a href=\"https:\/\/www.reviews.com\/insurance\/renters\/state-farm-renters-review\/\">State Farm Renters Insurance<\/a><\/li>\n<\/ul>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n\n<p><em>* Data provided by Bankrate.com<\/em><\/p>\n\n\n\n<p><em>**J.D. Power\u2019s <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2025-us-home-insurance-study\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">U.S. Home Insurance Study<\/a>. Based on a 1,000-point scale. <\/em><\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"guide\" title=\"Guide to Arizona Homeowners Insurance\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Average Cost of Homeowners Insurance in Arizona<\/h2>\n\n\n\n<p>In 2025, multiple statewide analyses (Bankrate, ValuePenguin\/LendingTree, NerdWallet) estimate the average Arizona homeowners premium in the roughly $1,650\u2013$1,900 range for a home insured at about $300,000 in dwelling coverage. The most recent audited benchmark from the Insurance Information Institute, summarizing NAIC data, shows the U.S. average homeowners expenditure at $1,522 (2022), with Arizona historically below that level before the recent run-up in rates.<\/p>\n\n\n\n<p>However, each Arizona homeowners\u2019 insurance <a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/compare-quotes-pm\/\" class=\"achor-toggles\">rate will vary<\/a> depending on the location and age of the home, as well as its condition and the value of the belongings inside. Discounts, such as <a href=\"https:\/\/www.reviews.com\/insurance\/car\/bundling-insurance\/\">bundling<\/a> homeowners insurance with auto, will also affect premium price. Adding on <a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/what-does-homeowners-insurance-cover\/\">additional coverages<\/a>, called riders or endorsements, will give greater coverage, but at a cost. Elevated insurance inflation has persisted into 2025 (BLS CPI household insurance component), which helps explain the jump from 2021-era averages.<\/p>\n\n\n\n<p>Arizona is not hurricane-prone, but exposure to wildfire and monsoon-season severe convective storms (June 15\u2013September 30) \u2014 including damaging winds, hail, lightning, dust storms and flash flooding \u2014 can influence pricing. Flooding from surface water is not covered by most popular HO-3 policies and requires separate flood insurance.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Average Premium from Homeowners Insurance Companies in Arizona<\/h2>\n\n\n\n<figure class=\"wp-block-table table table-striped table-bordered table--bordered-top\"><table><tbody><tr><td><strong>Homeowner&nbsp; Insurance Companies<\/strong><\/td><td><strong>Average Annual Premium*<\/strong><\/td><\/tr><tr><td>USAA<\/td><td>Varies (2025)<\/td><\/tr><tr><td>Progressive<\/td><td>Varies (2025)<\/td><\/tr><tr><td>Nationwide<\/td><td>Varies (2025)<\/td><\/tr><tr><td>AAA<\/td><td>Varies (2025)<\/td><\/tr><tr><td>State Farm<\/td><td>Varies (2025)<\/td><\/tr><tr><td>Auto-Owners<\/td><td>Varies (2025)<\/td><\/tr><tr><td>Iowa Farm Bureau<\/td><td>Varies (2025)<\/td><\/tr><tr><td>American Family<\/td><td>Varies (2025)<\/td><\/tr><tr><td>Chubb<\/td><td>Varies (2025)<\/td><\/tr><tr><td>Armed Forces Ins Exch<\/td><td>Varies (2025)<\/td><\/tr><tr><td>Allstate<\/td><td>Varies (2025)<\/td><\/tr><tr><td>Travelers<\/td><td>Varies (2025)<\/td><\/tr><tr><td>Farmers<\/td><td>Varies (2025)<\/td><\/tr><tr><td>Country Financial<\/td><td>Varies (2025)<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><em>*Based on approximately $300,000 in dwelling coverage; actual averages vary by source and assumptions<\/em><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Top 3 Cheapest Homeowners Insurance Companies in Arizona<\/h2>\n\n\n\n<ul>\n<li>State Farm \u2014 often among the lowest for many Arizona profiles in 2025 (varies by ZIP, home age and roof).<\/li>\n\n\n\n<li>Nationwide \u2014 frequently competitive with strong bundling discounts (profile-dependent).<\/li>\n\n\n\n<li>Travelers or USAA (if eligible) \u2014 price leaders for some households; always compare multiple quotes.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Top 3 Most Expensive Homeowners Insurance Companies in Arizona<\/h2>\n\n\n\n<ul>\n<li>High-value or specialty carriers (e.g., Chubb) often price higher but include broader coverage \u2014 compare value, not just price.<\/li>\n\n\n\n<li>Homes with older roofs, wildfire\/WUI exposure or prior claims may see higher premiums regardless of carrier.<\/li>\n\n\n\n<li>In 2025, rates vary widely; review deductibles and settlement terms (replacement cost vs. actual cash value) when comparing.<\/li>\n<\/ul>\n\n\n\n<p>Recent 2025 analyses from Bankrate, NerdWallet and ValuePenguin show no single insurer is consistently cheapest statewide in Arizona. Prices vary significantly by home characteristics, location and discounts, so it\u2019s best to compare at least 3\u20135 carriers.<\/p>\n\n\n\n<p>However, keep in mind these are sample averages based on standardized profiles and methodologies. To find the best value for the coverage you need, contact each company that you\u2019re interested in and request a personalized quote that fits your circumstances. <\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Common Home Insurance Perils in Arizona&nbsp;<\/h2>\n\n\n\n<p>As noted, Arizona is not prone to hurricanes, but it is exposed to monsoon-season severe storms (June 15\u2013September 30) that bring damaging winds, hail, lightning, dust storms and flash floods. Arizona is <a href=\"https:\/\/azgs.arizona.edu\/center-natural-hazards\/floods\">prone to flooding<\/a>, especially near washes, burn scars and major rivers. Standard homeowners policies typically cover wind, hail and lightning, but <a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/does-homeowners-insurance-cover-water-damage\/\">overland flood<\/a> is excluded and requires separate flood insurance.<\/p>\n\n\n\n<p>Wildfire remains a major statewide catastrophe peril, and residents in the wildland\u2013urban interface may also face <a href=\"https:\/\/azgs.arizona.edu\/center-natural-hazards\">landslides and debris flows<\/a> depending on terrain. In some basins, ground subsidence and earth fissures related to groundwater withdrawal can damage foundations and utilities; earthquakes are less common but possible. Arizona is also home to active volcanic fields that are considered stable but still carry a small risk of damage.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Add-on home insurance coverage in Arizona&nbsp;<\/h3>\n\n\n\n<p>Arizona homeowners who are in a <a href=\"https:\/\/msc.fema.gov\/portal\/search\">flood zone<\/a> should consider purchasing optional flood insurance. This is sold most often through the government, as part of the <a href=\"https:\/\/www.floodsmart.gov\/\">National Flood Insurance Program<\/a>. Most insurers, including our top choices for homeowners insurance in Arizona, offer this coverage and manage the flood insurance policy along with regular homeowners insurance. Note that NFIP policies generally have a 30\u2011day waiting period before coverage begins; some private flood options are available and may offer different features.<\/p>\n\n\n\n<p>To determine what coverages a policyholder already has, check the policy&#8217;s <a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/home-insurance-declaration-page\/\">declaration page<\/a>. This will outline what the policy covers currently, allowing the policyholder to decide if they need additional add-ons to be adequately covered in a disaster.&nbsp;<\/p>\n\n\n\n<p>Here are a few state-sponsored resources to help in dealing with disasters in Arizona:<\/p>\n\n\n\n<ul>\n<li><a href=\"https:\/\/new.azwater.gov\/floodplain-management\">Arizona Department of Water Floodplain Management<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/ein.az.gov\/\">Arizona Emergency Information Network<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.azgs.arizona.edu\/center-natural-hazards\">University of Arizona Center for Natural Hazards<\/a><\/li>\n<\/ul>\n\n\n            <span class=\"b-toc-anchor\" id=\"faq\" title=\"Frequently Asked Questions\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Arizona Home Insurance FAQ&nbsp;<\/h2>\n\n\n<div id=\"block_60eda7659d0c8\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">Is homeowners insurance required in Arizona?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p>No state law requires Arizona residents to have homeowners insurance. But your mortgage company may require you to purchase homeowners insurance to protect its assets.<\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_60eda77b9d0c9\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">What affects Arizona homeowners insurance prices?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p>Several factors drive premiums in Arizona, including the home\u2019s reconstruction cost, age and material of the roof, local fire protection, proximity to wildfire-prone areas, exposure to monsoon wind\/hail and flood, prior claims, credit-based insurance scores (where permitted), and available discounts. Market-wide inflation in repair and reinsurance costs since 2022 has also pushed rates higher.<\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_60eda79d9d0ca\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">What is the best homeowners insurance in Arizona?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">Finding the best homeowners insurance in <\/span><span style=\"font-weight: 400;\">Arizona <\/span><span style=\"font-weight: 400;\">in 2025 starts with getting several quotes from top carriers that serve your ZIP code and home profile. Compare at least one captive-agent carrier (e.g., State Farm or Farmers), one large independent-agent carrier (e.g., Travelers or Nationwide), and, if eligible, USAA; add Chubb for high-value homes. Look for strong financial ratings, competitive pricing with bundle and claims-free discounts, and coverage options like extended replacement cost, ordinance or law, and water backup.<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_60eda7b29d0cb\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">How much is the average homeowners insurance in Arizona?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">For 2025, recent statewide analyses place Arizona\u2019s average homeowners premium roughly between $1,650 and $1,900 per year for a home insured at about $300,000 in dwelling coverage. For historical context, the most recent audited U.S. average homeowners expenditure reported by the Insurance Information Institute (NAIC data) was $1,522 (2022), with Arizona historically below that national average before the recent rate increases.<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n\n<h3 class=\"wp-block-heading\">Methodology<\/h3>\n\n\n\n<p>We evaluated Arizona home insurance companies based on availability, customer satisfaction, financial stability, and coverage to create our best home insurance reviews. To compare home insurance companies with other providers across the board, we review the companies based on the following:<\/p>\n\n\n\n<ul>\n<li>Coverage: The more options a home insurance company has for insurance add-ons and coverages, the higher it scores in our methodology.<\/li>\n\n\n\n<li>Customer Experience: We reviewed the National Association of Insurance Commissioners\u2019 National Complaint Index and compared each homeowners insurance company\u2019s complaint rating.<\/li>\n\n\n\n<li>Customer Satisfaction: With J.D. Power\u2019s <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2025-us-home-insurance-study\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">2025 U.S. Home Insurance Study<\/a>, we assigned a score to each company based on the rating it received.<\/li>\n\n\n\n<li>Financial Stability: Reviews.com utilized AM Best ratings to assign a score based on each home insurance company\u2019s financial stability.<\/li>\n\n\n\n<li>Discounts: We reviewed and compared the number of discounts advertised on each home insurance company\u2019s website. The more available discounts, the higher the score in this metric.<\/li>\n<\/ul>\n\n\n\n<p>Rates are based on recent quoted-rate studies from 2025 sources and should be used for comparative purposes only. Your quotes may be different.<\/p>\n\n\n\n<p>The coverage limits for home insurance rates reflect the following coverage and limits:<\/p>\n\n\n\n<ul>\n<li>Coverage A, Dwelling: about $300,000<\/li>\n\n\n\n<li>Coverage B, Other Structures: $25,000<\/li>\n\n\n\n<li>Coverage C, Personal Property: $125,000<\/li>\n\n\n\n<li>Coverage D, Loss of Use: $50,000<\/li>\n\n\n\n<li>Coverage E, Liability: $300,000<\/li>\n\n\n\n<li>Coverage F, Medical Payments: $1,000<\/li>\n<\/ul>\n\n\n\n<p>The homeowners also have a $1,000 deductible and a separate wind and hail deductible (if required).<\/p>\n\n\n","protected":false},"excerpt":{"rendered":"<p>Reviews Report Homeowners insurance is not a legal requirement in Arizona, but homeowners in the Grand Canyon State may be required to have it as part of their mortgage contract. Overall, home insurance protects your finances from damages or loss to your home and personal belongings, as well as providing financial protection from your liability [&hellip;]<\/p>\n","protected":false},"author":345,"featured_media":362789,"parent":1691,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"page-templates\/template-refresh.php","meta":[],"categories":[1268],"tags":[21174,21910],"post_author":[14193],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>The Best Home Insurance Companies in Arizona of 2025 | Reviews.com<\/title>\n<meta name=\"description\" content=\"Luckily, Arizona enjoys a lower-than-average costs for home insurance and we analyzed the best AZ home insurance companies in the state.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/best-in-arizona\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"The Best Homeowners Insurance Companies in Arizona for 2019 | Reviews.com\" \/>\n<meta property=\"og:description\" content=\"Arizona homeowners insurance rates are about $363 lower than the national average of $1,173. 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