Best Homeowners Insurance in Arizona

The best home insurance companies in Arizona are American Family, State Farm, Nationwide, Farmers and Allstate. American Family excels in customer service, State Farm is the most affordable, and Nationwide offers the best coverage options. Compare all our top picks below.

*Our ratings consider various combinations of coverage levels, home features and homeowner details to identify the best overall options. Rankings may differ based on your specific profile. The tables below use the same methodology.

The best home insurance rankings vary based on your unique needs or property type, but our top picks offer a reliable guide. Here are the leading insurers across key categories.

Home insurance provider rankings in Arizona cities vary widely based on affordability, local customer service and available add-on coverages. American Family ranks best in Chandler, Gilbert, Mesa, Phoenix, Scottsdale and Tempe. Here are the top overall options for each city.

Here are the leading home insurance providers in Arizona excelling in affordability, customer service and comprehensive coverage options.

State Farm is the most budget-friendly home insurance provider for most homeowners in Arizona. Along with strong rates, it's also above the national average in customer service, placing seventh in customer satisfaction and eighth in claims satisfaction, according to J.D. Power. State Farm offers unique add-ons like underground utility coverage and extended replacement cost reimbursement.

American Family is the second most affordable provider on our list of Arizona home insurance providers and the top overall company. It has comparable rates and stands out for customer service. It's one of the only providers in the top ten for both customer and claims satisfaction according to J.D. Power. American Family offers matching siding protection, hidden water damage protection and equipment breakdown coverage.

Nationwide isn't the most affordable option on our list for Arizona home insurance, but its extensive coverage options make it a strong choice. Coverage options include unique add-ons like better roof replacement and doubling dwelling coverage limits. Nationwide's customer service is strong, ranking eighth overall and fifth in claims satisfaction, according to J.D. Power.claims satisfaction, according to J.D. Power.

Here's a step-by-step guide to help you find the best coverage that suits your needs:

American Family, State Farm and Nationwide are the best-rated homeowners insurance providers in the Grand Canyon State. Still, researching and comparing options can help you choose the right insurer for your specific needs.

Our experts give quick answers on choosing the right home insurance provider:

Arizona homeowners need protection from wildfire risks and extreme heat while managing premiums in a competitive market. We designed our research to find insurers offering the best combination of affordable rates, responsive service and coverage for Arizona's unique climate hazards.

Our research approach: We rated homeowners insurance providers in Arizona by analyzing affordability, customer satisfaction and coverage options across multiple home profiles, including newer and older homes in high-fire-risk areas.

Why this matters for Arizona homeowners: We weighted affordability at 55% because Arizona's competitive insurance market offers significant price differences between providers, making cost the primary factor for most homeowners. Providers scored higher if they were more affordable across various factors, including coverage levels, home age and fire risk. We evaluated the range of discounts offered.

Customer satisfaction counted for 30% because Arizona homeowners need responsive service when filing claims for wildfire damage, monsoon flooding or extreme heat-related issues. Scores were based on ratings from sites like Trustpilot, app reviews and industry sources like J.D. Power. This included the buying process, policy management and claims handling.

Coverage options made up 15% because Arizona's wildfire risks and extreme weather require specialized protection beyond standard policies. We assessed the number of add-on options, unique features and availability by state.