Arizona home insurance

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Grand Canyon National Park in northern Arizona

Arizona homeowners insurance coverage

Homeowners in Arizona face many challenges throughout the year. The wide variation in climate, from arid deserts to snowy mountain ranges, presents a variety of risks to your home. Strong thunderstorms can create flash floods, while cold temperatures in higher elevations can leave you with frozen pipes. Liberty Mutual understands the needs of Arizona homeowners and offers customized homeowners insurance coverage to fit your specific situation.

What types of homeowners insurance coverages are recommended in Arizona?

The following insurance coverage comes standard with any homeowners policy:

Note that most tornado damage is generally covered under these standard coverage policies.

The following insurance coverages are recommended for homeowners in Arizona:

  • Flood insurance: Homeowners insurance generally does not cover damage caused by floods, including flashfloods which are common in Arizona. Keep in mind that even if you are not in a flood zone or in a region prone to flashfloods, flooding can still occur.

    Liberty Mutual offers flood insurance in partnership with the National Flood Insurance Program (NFIP) under the Federal Emergency Management Agency (FEMA). While flood insurance needs to be purchased separately and is often optional, it may be required to secure a home loan if you live in a high-risk flood area.

  • Personal property replacement cost: If your belongings are lost or damaged in a covered loss such as from theft or a fire, this coverage will cover the cost of brand-new replacement items.

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The following optional homeowners insurance coverages should be considered by all homeowners in Arizona:

  • Blanket Jewelry
  • Escape of Water
  • Inflation protection

Is homeowners insurance required by law in Arizona?

No, homeowners insurance isn't required by law in Arizona, but your mortgage company will most likely require it in order to get a loan.

What is the average cost of homeowners insurance in Arizona?

The average cost of homeowners insurance in Arizona is $1,529 per year according to NerdWallet.2 That's 13% lower than the national average. However, this rate may be higher or lower for you depending on the value and age of your home, the coverage you select, your claims history, and a wide variety of other factors.

Still unsure about your homeowners insurance policy options?

Tell us your zip code and we'll suggest coverage options that may be a good fit for where you live in Arizona.

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Discounts that help you save

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Online Purchase Discount

You could save instantly when you purchase your policy online.
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Bundle and Save

You could save $947 on customized auto and home insurance.
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Newly Purchased Home

Congrats on your new home! Enjoy some celebratory savings with your policy.

Arizona insurance agents near me

Liberty Mutual Offices in Arizona

Ready to start a homeowners quote online?

Get a quote in minutes. Here’s what you’ll need:

  • Basic information about your property
  • Basic information about you, any co-owners, and occupants
  • Ownership or mortgage status
  • Details about your home’s construction and any safety features
  • If you have an existing homeowners insurance policy

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1Depending on where you live, you may be able to opt out of this coverage if you participate in your state’s FAIR insurance plan for high-risk areas.
2https://www.nerdwallet.com/article/insurance/average-homeowners-insurance-cost
Discounts and savings are available where state laws and regulations allow, and may vary by state. Certain discounts apply to specific coverages only. To the extent permitted by law, applicants are individually underwritten; not all applicants may qualify.