EverQuote
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Progressive
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Offers flexible coverage options and provides online quotes and claims. Discounts for bundled policies, new homeowners and houses with security systems. Provides 24/7 customer support. |
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State Farm
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Offers policies with custom coverages and deductibles through national local agent networks. Discounts for bundled policies, home security and impact-resistant roofs. Online quotes, claims and policy management. |
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GEICO
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Location
9515 W. Camelback Rd., Ste. 134
Phoenix, AZ 85037
(602) 234-3426
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Arizona Home Insurance Company
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Location
300 W. Clarendon Ave., Ste. 405
Phoenix, AZ 85013
(800) 696-7221
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Allstate Insurance Agent: Edward Vasquez
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Location
3508 N. 7th St., Ste. 115
Phoenix, AZ 85014
(480) 999-7222
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Homeowners Insurance Phoenix AZ
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Location
1013 S. Stapley Dr.
Mesa, AZ 85204
(602) 428-6869
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Best Buy Insurance
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Location
3917 S. Central Ave.
Phoenix, AZ 85040
(602) 268-2548
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AALL Insurance
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Location
5830 W. Thomas Rd.
Phoenix, AZ 85031
(623) 873-3777
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Ayala Insurance
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Location
5233 S. Central Ave., Ste. A-1
Phoenix, AZ 85040
(602) 386-3287
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Homeowners Insurance Group
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Location
16427 N. Scottsdale Rd., Ste. 145
Scottsdale, AZ 85254
(480) 626-9376
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TD Insurance
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Location
1430 E. Indian School Rd., Ste. 240
Phoenix, AZ 85014
(602) 254-3208
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R.P. Ryan Insurance
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Location
18501 N. 40th St.
Phoenix, AZ 85032
(602) 992-9700
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Summit Insurance Advisors
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Location
5425 E. Bell Rd.
Scottsdale, AZ 85254
(480) 214-3544
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Freeway Insurance
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Location
1330 W. Indian School Rd.
Phoenix, AZ 85013
(602) 599-0771
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General Southwest Insurance Agency
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Location
5628 E. Thomas Rd.
Phoenix, AZ 85018
(480) 990-1900
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Genesis Insurance
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Location
4114 N. 27th Ave.
Phoenix, AZ 85017
(602) 354-3339
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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.
Dwelling $200,000 | Dwelling $400,000 | Dwelling $600,000 | |
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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.
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.
Progressive |
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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. |
Learn More | |
State Farm |
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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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GEICO |
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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. |
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Arizona Home Insurance Company |
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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. |
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Allstate Insurance Agent: Edward Vasquez |
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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. |