Arizona homeowners insurance

Arizona is a land of extremes, which may present certain risks to homeowners in The Grand Canyon State. Soaring temperatures can sometimes reach a blistering 120 degrees in the desert regions. That high heat combined with an arid climate can lead to monsoons, dust storms, and strong winds. In the mountainous areas, however, the winters can get bitterly cold, with the potential for falling trees and ice accumulation. So whether you live in Flagstaff or need homeowners insurance in Phoenix, you can protect your property against storm damage and more with affordable homeowners insurance coverage from Progressive.

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How you're covered

A typical policy in Arizona may include the following homeowners insurance coverages:

Dwelling coverage (Coverage A) protects your home's structure (roof, walls, etc.) and attached structures, like a porch.
Other structures coverage (Coverage B) protects detached structures, such as a fence, shed, or detached garage.
Personal property coverage (Coverage C) protects your personal belongings, including furniture, clothing, and electronics. Certain items, like jewelry, art, and collectibles, are often only covered up to a specific limit so you may want to purchase an endorsement to schedule these items on your policy at the coverage amount needed, also known as "adding a rider."
Loss of use coverage (Coverage D) may help cover costs associated with an increase in living expenses up to your policy's limit if you're unable to stay in your home while it's being repaired or rebuilt due to a covered loss.
Personal liability coverage (Coverage E) protects you financially if you're legally responsible for another person's injuries or damage to their property.
Medical payments to others (Coverage F) may pay for medical expenses due to a covered occurrence.

Keep in mind that coverage under your policy is subject to exclusions and conditions within your policy. It is important to read your policy to understand the coverage provided.

Did you know?

According to AZCentral, dust storms, called haboobs, can span more than 50 miles and reach 5,000 feet tall with winds up to 70 mph. When it's been dry for a while, a strong column of wind from a thunderstorm can kick up the accumulated dust, creating severe conditions. A homeowners policy may protect your home against dust storms and other covered perils.

More ways to stay covered in Arizona

In some cases, you can buy extra protection by adding coverage to your homeowners policy or purchasing a separate policy. If available, Arizonans may want to consider:

Flood: Flooding is not typically covered under a homeowners policy. If you're concerned about flooding in your area, a private flood insurance policy or NFIP, where available, may help protect your property and belongings against flood damage.
Umbrella: An umbrella policy may help protect your assets if you exceed the personal liability coverage on your homeowners policy.
Sump pump: Sewage back-up or sump pump overflows aren't typically one of the standard coverages automatically included with homeowners insurance. Adding water back-up coverage as an optional coverage, if available, may help in the event of sewage backup or sump pump overflow due to heavy storms.

How much is homeowners insurance in Arizona?

Progressive homeowners policies in Arizona had an average monthly price of $100.81 or $1,209.75 annually in 2023.^* Your rate could be higher or lower depending on a variety of factors. Home type, roof construction, and past claims can influence the cost of your policy. Coverage amounts and deductibles may also have an impact on your rate.

Learn more about how homeowners insurance costs are factored.

Helping you save on homeowners insurance in Arizona

Progressive offers several discounts to help you find an affordable homeowners policy. You can save when you bundle your home and auto policy, pay in full, install security and alarm systems, or go paperless.

There may also be discounts only available in your state or county. Call 1-866-749-7436 to help ensure you're getting all discounts currently applicable to you and where you live, or find a local agent in Arizona.

Compare Arizona homeowners insurance rates

Compare homeowners insurance quotes in Arizona from multiple companies instantly with Progressive's HomeQuote Explorer®. Simply enter your information and see a side-by-side comparison of rates and coverages.

Is homeowners insurance required by law in Arizona?

Homeowners insurance in Arizona is not required by state law, but if your home is financed, your lender will likely require you to have a policy in place. Homeowners coverage is designed to protect your property and assets in the event something goes wrong.