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Find the Best Homeowners Insurance in Phoenix, AZ

Buying a home is a major investment. Buying homeowners insurance is a great way to maintain that investment while keeping you and your family safe. Based on our thorough research, the best homeowners insurance companies in Phoenix, AZ offer customized coverage and convenient features like choosing policies, paying premiums and filing claims online.

Compare Phoenix Homeowners Insurance

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  • Home & other structures
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State Farm
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How to choose homeowners insurance in Phoenix

phx skyline homeowners insurance

In Phoenix, annual home insurance rates vary based on location and the amount of dwelling coverage. Homes in more suburban areas, like Chandler (85225) and Ahwatukee (85044), have lower insurance rates because the homes are newer than those in central Phoenix (85003). Crime rates, including burglary, tend to be lower in suburban areas as well.

Average home insurance rates in Phoenix

Dwelling $200,000 Dwelling $400,000 Dwelling $600,000
Arcadia neighborhood in Phoenix - 85018 $939 $1,539 $2,151
Central Phoenix - 85003 $985 $1,626 $2,278
Desert Ridge/North Phoenix - 85050 $803 $1,316 $1,830
South Scottsdale - 85257 $906 $1,481 $2,067
Tempe - 85281 $796 $1,306 $1,831
Chandler - 85225 $761 $1,246 $1,742
Ahwatukee/South Phoenix - 85044 $785 $1,282 $1,790

Note: Based on dwelling coverage above with a constant $1,000 deductible and $100,000 liability.

The averages in this chart put Phoenix below the national average cost of home insurance by almost 30 percent. In fact, Arizona is ranked as the eighth lowest state for home insurance costs. The oldest Phoenix homes only date back to the 1920s to 1940s, and suburban areas have many homes built in the 1980s or later, making insurance costs more affordable in Phoenix.

Homeowners in Arizona are not required to purchase home insurance, although most mortgage companies will require home insurance as a condition of the mortgage loan.

Many homeowners insurance companies offer discounts. Homeowners can often bundle home insurance with vehicle insurance to save on the total cost. Progressive and State Farm offer discounts for home security alarms while Allstate gives discounts to retirees.

Flood and liability homeowners insurance options in Phoenix

It's important to understand what is covered and not covered by home insurance. Arizona is susceptible to sudden rain, high-speed winds and dust storms in the summer months (called Monsoon season) that can damage homes. This sort of natural disaster damage is typically covered by home insurance.

However, once storm waters hit the ground, they are considered flood waters and not usually covered by Phoenix homeowners insurance. Similarly, if damage occurs to your swimming pool, home insurance won't usually cover that. To avoid liability from injuries to family or guests on your property, such as in the pool, make sure to add enough liability coverage to your homeowners insurance policy.

Phoenix Homeowners Insurance Reviews


Progressive is a national company that offers everything from standard dwelling and liability coverage to extras like water back-up. Multiple insurance policies are available, such as car, RV and motorcycle, and Progressive encourages customers to bundle policies to save 10%. The company also offers a discount for home security systems and/or fire sprinklers, for new home construction and for paying annual premiums in advance.

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State Farm

State Farm makes buying home insurance easy and fast. Their website offers an educational section that gives customers tips on how to prepare for the unexpected. Not only can customers save on insurance with a home security system, they can also get discounts on smart home monitoring. Discounts are also offered for impact-resistant roofing and higher deductibles.

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Like other nationwide insurance companies, GEICO offers multiple insurance policies and discounts for bundling policies as well as discounts for smoke detectors and having fire extinguishers on-site. Their website and mobile app making getting a quote and purchasing a policy simple. Customers can even use their Amazon Alexa or Google Home to manage their policies.


Arizona Home Insurance Company

When you want to stay local but have access to a big name insurance policy, Arizona Home Insurance Company is a good option. Backed by Western Mutual Insurance Group, this company focuses solely on homeowners insurance. Homeowners in Phoenix can get discounts for owning their homes for longer periods of time, using a home alarm and living in a gated community.

Arizona Home Insurance Company

Allstate Insurance Agent: Edward Vasquez

For personalized service backed by a national company, Phoenix Allstate Insurance agent Edward Vasquez gets the job done. He can assist with home, life, business, car, motorcycle and RV insurance, plus discount for bundling policies. Discounts are also available for retired homeowners 55 years or older, for switching to Allstate without a homeowners insurance claims history, for new construction homes and for setting up auto-payments.

Allstate Insurance Agent: Edward Vasquez