Best Homeowners Insurance Companies in Arizona

American Family ranks No. 1 in our review of the best home insurance in Arizona, followed by State Farm and Auto-Owners.

See if you're overpaying for home insurance below.

Written by Mark Fitzpatrick

Updated: January 22, 2026

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Arizona's Top Home Insurance Companies: Key Takeaways

American Family is the best home insurance provider in Arizona with a score of 4.6 out of 5 from our review team.

State Farm, Auto-Owners, Farmers and Nationwide rank high for homeowners insurance in Arizona based on affordable rates, strong customer service and reliable coverage.

The best insurer for your home depends on your coverage needs, budget and preferred features like claims service or discount availability.

Arizona homeowners pay rates well below the national average. MoneyGeek analyzed premiums, J.D. Power satisfaction scores and coverage options from major insurers to find the best home insurance companies in Arizona.

What Are the Best Home Insurance Companies in Arizona?

American Family ranks first for Arizona homeowners with the state's lowest premiums and above-average customer satisfaction. State Farm, Auto-Owners, Farmers and Nationwide complete the top five, excelling in areas like military-focused service, premium coverage quality and local agent networks.


American Family	4.6	$1,938	Most Georgia homeowners
State Farm	4.6	$1,334	Military families
Auto-Owners	4.6	$2,540	Coverage quality
Farmers	4.4	$2,023	Local agent network
Nationwide	4.3	$2,089	Specialized coverage

*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 profile.

American Family Insurance

MoneyGeek Rating

4.6/ 5

4.9/5Affordability

4.3/5Customer Experience

4.1/5Coverage

J.D. Power Customer Satisfaction Score
643/1,000
Average Annual Premium
$1,938

pros
- Strong agent network with personalized service
- J.D. Power score above industry average
- User-friendly digital tools for policy management
cons
- Claims processing slower than expected
- Rates slightly higher than some competitors
- Fewer unique coverage add-ons available
American Family offers Arizona's most affordable home insurance at $1,938 annually. The insurer provides replacement cost coverage for personal property and water backup protection, which matters during Arizona's monsoon season.

American Family charges $1,938 annually for home insurance in Arizona, 26% less than the state average of $2,602 and lower than the national average of $3,467. The company offers bundling discounts when you combine multiple policies and discounts for home security systems.


Older Homes	$165	$1,980
Newer Homes	$108	$1,300
Young Homeowners	$165	$1,977
Senior Homeowners	$161	$1,932
High-Risk Fire Homes	$181	$2,171
Smaller Homes	$148	$1,781
Larger Homes	$167	$2,002

American Family earned 643 out of 1,000 points in J.D. Power customer satisfaction ratings, slightly above the industry average of 642. The company operates through local independent agents who provide strong community presence and personalized service for Arizona homeowners. Its user-friendly online platform complements the traditional agent model with convenient digital policy management tools.
American Family provides standard homeowners coverage with optional add-ons:
- Equipment breakdown: Covers damage to appliances, home systems and smart home devices from mechanical or electrical failures
- Flash flood: Provides inland flood coverage for flash flood damage
- Hidden water damage: Covers leaks within walls, floors, ceilings and cabinets
- Home renovation: Protects against foundation collapse and construction material damage or theft during renovations
- Matching undamaged siding: Reimburses costs to replace undamaged siding for a consistent appearance
- Roof damage: Bridges the gap between your current roof's depreciated value and replacement cost
- Service line: Covers repair or replacement of underground piping or wiring
- Sewer and septic backup: Covers repairs from backed-up drains or overflowing sumps
- Scheduled personal property: Increases coverage limits for jewelry, gemstones, watches and furs

State Farm

MoneyGeek Rating

4.6/ 5

5/5Affordability

4/5Customer Experience

4.2/5Coverage

J.D. Power Customer Satisfaction Score
657/1,000
Average Annual Premium
$1,334

pros
- Comprehensive coverage options for diverse homeowner needs
- Strong financial stability with high industry ratings
- J.D. Power score above industry average
cons
- Claims processing slows during peak periods
- Limited availability in some Arizona areas
- Some add-on coverage options unavailable
State Farm offers Arizona's most affordable home insurance at $1,334 annually. It provides essential coverage for personal property against theft and damage, particularly valuable in urban areas. The company also includes protection against natural disasters, which proves crucial given Arizona's climate risks, including monsoons and extreme heat.

State Farm charges $1,334 annually for home insurance in Arizona, 49% less than the state average of $2,602 and 25% below the national average of $3,467. The company offers valuable discounts for bundling multiple policies and installing home security systems.


Older Homes	$113	$1,351
Newer Homes	$83	$991
Young Homeowners	$112	$1,339
Senior Homeowners	$111	$1,330
High-Risk Fire Homes	$125	$1,495
Smaller Homes	$108	$1,298
Larger Homes	$124	$1,485

State Farm earned 657 out of 1,000 points in J.D. Power customer satisfaction ratings, above the industry average of 642. The company operates through local independent agents and direct sales, providing personalized service through agents familiar with Arizona's specific homeowner needs. Its digital platform offers easy policy management, though it lacks some advanced features found with tech-focused competitors.
State Farm provides standard homeowners coverage with optional add-ons:
- Personal property protection: Covers belongings against theft and damage
- Natural disaster coverage: Protects against Arizona's monsoons and extreme weather
- Dwelling coverage: Covers your home's structure and attached buildings
- Liability protection: Pays for injuries or property damage you're legally responsible for
- Additional living expenses: Covers temporary housing during covered repairs
- Medical payments: Pays for guest injuries regardless of fault

Auto-Owners

MoneyGeek Rating

4.6/ 5

4.7/5Affordability

4.5/5Customer Experience

4/5Coverage

J.D. Power Customer Satisfaction Score
621/1,000
Average Annual Premium
$2,540

pros
- Flexible policy options with various add-on coverage
- Strong financial stability with high ratings
- Strong agent network with personalized service
cons
- Customer satisfaction score below industry average
- Claims process slower than some competitors
- Limited digital tools for online policy management
Auto-Owners offers Arizona homeowners competitive coverage at $2,540 annually. The insurer provides wildfire damage coverage, essential given Arizona's fire-prone landscape. Auto-Owners also covers water damage from plumbing issues, addressing challenges desert climates pose to home infrastructure. This combination of reasonable pricing and state-specific coverage makes Auto-Owners a solid choice for Arizona residents.

Auto-Owners charges $2,540 annually for Arizona home insurance, 2% below the state average of $2,602 and 25% under the national average of $3,467. The company offers bundling discounts when you combine multiple policies and discounts for home security systems.


Older Homes	$203	$2,437
Newer Homes	$183	$2,191
Young Homeowners	$219	$2,626
Senior Homeowners	$194	$2,328
High-Risk Fire Homes	$237	$2,846
Smaller Homes	$205	$2,462
Larger Homes	$235	$2,817

Auto-Owners earned 621 out of 1,000 points in the J.D. Power customer satisfaction study, falling below the industry average of 642. The company operates through local independent agents who provide personalized service tailored to individual homeowner needs in Arizona. This traditional approach offers dedicated support and local expertise, but its online services remain limited compared to fully digital insurers. Homeowners who prefer face-to-face interactions will appreciate the agent model, though tech-savvy customers find digital capabilities lacking.
Auto-Owners provides standard homeowners coverage with optional add-ons:
- Wildfire damage coverage: Protects against fire damage in Arizona's fire-prone areas
- Water damage protection: Covers plumbing issues common in desert climates
- Dwelling coverage: Covers your home's structure and attached features
- Personal property coverage: Protects belongings inside your home
- Liability protection: Covers legal expenses if someone gets injured on your property
- Additional living expenses: Pays temporary housing costs during repairs
- Medical payments: Covers minor guest injuries regardless of fault

Farmers

MoneyGeek Rating

4.4/ 5

4.9/5Affordability

4/5Customer Experience

3.6/5Coverage

J.D. Power Customer Satisfaction Score
631/1,000
Average Annual Premium
$2,023

pros
- Strong financial stability with high industry ratings
- User-friendly digital policy management tools
- Competitive rates near Arizona state average
cons
- Customer satisfaction scores below industry standards
- Fewer coverage add-on options than competitors
- Limited service availability in some Arizona regions
Farmers offers Arizona homeowners affordable coverage at $2,023 annually. The insurer provides specialized monsoon damage protection, important for desert residents facing seasonal storms. Farmers' customizable policies let homeowners tailor coverage for desert climate risks, from extreme heat to flash flooding.

Farmers charges $2,023 annually for home insurance in Arizona, 22% less than the state average of $2,602 and below the national average of $3,467. The company offers bundling discounts when you combine multiple policies and discounts for security system installations.


Older Homes	$171	$2,051
Newer Homes	$100	$1,196
Young Homeowners	$169	$2,030
Senior Homeowners	$163	$1,960
High-Risk Fire Homes	$189	$2,267
Smaller Homes	$163	$1,960
Larger Homes	$175	$2,094

Farmers earned 631 out of 1,000 points in J.D. Power customer satisfaction ratings, slightly below the industry average of 642. The company operates through local independent agents who provide personalized service tailored to Arizona homeowners' specific needs. Farmers also offers a user-friendly online platform for policy management, combining traditional agent support with modern digital convenience for customers who prefer self-service options.
Farmers provides standard homeowners coverage with optional add-ons:
- Monsoon damage protection: Covers property damage from Arizona's seasonal storms and high winds
- Desert climate customization: Tailored coverage for extreme heat and climate-related risks
- Dwelling coverage: Covers your home's structure against covered perils
- Personal property protection: Covers belongings inside your home
- Liability coverage: Protects against lawsuits for injuries or property damage
- Additional living expenses: Pays temporary housing costs during covered repairs
- Medical payments: Covers guest injuries regardless of fault

Nationwide

MoneyGeek Rating

4.3/ 5

4.8/5Affordability

3.8/5Customer Experience

2.9/5Coverage

J.D. Power Customer Satisfaction Score
641/1,000
Average Annual Premium
$2,089

pros
- Wide range of customizable coverage options
- Strong financial stability with high ratings
- Strong agent network for personalized service
cons
- Some add-on coverages unavailable in certain regions
- Rates slightly higher than some competitors
- Claims process can be slow and cumbersome
Nationwide offers Arizona's most affordable home insurance at $2,089 annually. The company provides coverage for water backup, protecting against sewer and drain issues common in Arizona's desert climate. Its policy includes coverage for personal property loss due to theft, crucial in urban areas throughout the state.

Nationwide charges $2,089 annually for home insurance in Arizona, 20% less than the state average of $2,602. Homeowners can reduce costs further through bundling discounts for multiple policies and home security system installation discounts.


Older Homes	$182	$2,183
Newer Homes	$99	$1,194
Young Homeowners	$177	$2,121
Senior Homeowners	$173	$2,070
High-Risk Fire Homes	$195	$2,341
Smaller Homes	$169	$2,030
Larger Homes	$194	$2,323

Nationwide earned 641 out of 1,000 points in the J.D. Power study, just below the industry average of 642. The company operates through local independent agents who understand Arizona's unique insurance landscape. Nationwide offers personalized service tailored to Arizona homeowners' specific needs, complemented by a user-friendly online platform for policy management.
Nationwide provides standard homeowners coverage with optional add-ons:
- Identity theft: Helps keep personal data secure amid a growing number of risks and cybercrime.
- Dwelling replacement cost: Can pay up to two times your dwelling coverage limit if your home needs to be rebuilt after a loss
- Water backup: Provides coverage if water backs up through your sewer, drains or your sump pump overflows
- Earthquake: Provides coverage for earthquake damage with a separate deductible
- Valuables Plus: Provides additional coverage for high-value items such as jewelry, watches, antiques and fine art
- Service line: Protection against damage to exterior, underground service lines that bring water, gas, electric to your residence
- Equipment breakdown: Provides repair or replacement coverage in the event of an electrical, mechanical or pressure system breakdown
- Umbrella insurance: Helps pay for medical expenses and legal fees in the event an accident occurs on your property
- Roof replacement: Additional coverage to ensure your roof is completely covered if you need to replace it

Best Arizona Home Insurance by City

Arizona home insurance rates vary by location. State Farm leads in six cities: Buckeye, Gilbert, Glendale, Peoria, Prescott Valley and Surprise, with annual premiums ranging from $1,322 to $1,339. American Family ranks best in seven cities, including Chandler, Mesa, Phoenix, Scottsdale and Tempe. Auto-Owners Insurance offers the lowest rate in Tucson at $1,919 annually.

Cheapest Arizona Home Insurance Companies

Arizona homeowners pay $2,602 annually for home insurance, 25% less than the national average of $3,467. State Farm offers the state's most affordable home insurance at $1,334 annually, 49% below the state average. USAA ranks second at $1,655 per year, but restricts coverage to military members, veterans and their families. Premiums vary among insurers. Travelers represents the expensive end, charging 94% above the national benchmark.

Guide to Finding the Best Arizona Home Insurance Company

Compare multiple providers based on your coverage needs, budget and service preferences.

Compare Quotes Strategically

Annual premiums among Arizona's leading insurers range from $1,334 to $2,540, so you'll want to gather quotes from at least three to five companies. Don't just shop by price. The cheapest policy might leave coverage gaps when you file a claim after severe weather or other covered losses.

Check Customer Satisfaction Metrics

Examine complaint ratios through the Arizona Department of Insurance and Financial Institutions and review J.D. Power satisfaction scores, which range from 621 to 737 among top Arizona providers versus the 642 industry average. Focus on customer reviews about claims handling during Arizona's monsoon season rather than just policy purchase experiences.

Evaluate Coverage Needs

Consider extended or guaranteed replacement cost options since construction costs often surge after Arizona's monsoon storms and flooding events. Base your coverage on replacement cost rather than market value, and review optional protections like wind/hail coverage and flood insurance that address your home's specific risk exposure.

Match Service Preferences to Provider Strengths

Digital-first insurers like Lemonade, Hippo and Root work well if you prefer online policy management, while State Farm, Farmers and Allstate offer strong local agent networks for face-to-face support. Align your service preferences to avoid paying premium prices for features you won't actually use.

ARIZONA HOME INSURANCE RISKS

Arizona faces monsoon flooding risk, with the state experiencing over 1,000 flood events annually during monsoon season, according to the National Weather Service. Flooding is a leading cause of weather-related damage. Standard homeowners insurance covers monsoon flooding damage, but it doesn't cover regular flood damage. You'll need separate flood insurance coverage through your insurer or the National Flood Insurance Program for comprehensive protection.

Top-Rated Home Insurance Companies in Arizona: FAQ

Explore our FAQ section for answers to common questions about selecting the right Arizona home insurance provider for your needs.

Does home insurance cover damage from fallen trees in Arizona?

Home insurance covers fallen tree damage to your house when wind, lightning or other covered perils cause the tree to fall. Coverage excludes trees that fell due to rot or neglect. Tree removal is covered only if the tree damages a covered structure, and most policies limit coverage to $500 to $1,000 per tree.

What's the difference between replacement cost and actual cash value coverage?

Replacement cost coverage pays the full amount to rebuild your home or replace belongings at current market prices, while actual cash value coverage deducts depreciation based on your property's age and condition. Though actual cash value policies have lower premiums, you'll receive smaller claim payouts and cover more repair or replacement costs yourself after a loss.

Does home insurance cover sinkholes in Arizona?

Most Arizona home insurance policies exclude sinkhole damage, as the state does not mandate this coverage. Residents in high-risk areas like Tucson and Phoenix, particularly near the San Andreas Fault, should review their policy exclusions. Consider purchasing optional sinkhole endorsements to protect your property from this geological risk.

Can I get home insurance if I have a trampoline or swimming pool?

Arizona insurers view trampolines and swimming pools as liability risks that increase your chances of injury claims. Insurers often require higher premiums or additional liability coverage. Some companies exclude trampoline coverage entirely or require safety features like nets and padding. Swimming pools require fencing, self-closing gates and liability coverage of at least $300,000.

Our Methodology: Determining the Best Arizona Home Insurers

Arizona homeowners deal with tornado risks, hurricane exposure and fluctuating construction costs. Our ranking system weighs affordable premiums, quality coverage and reliable claims handling.

We scored insurers across three factors:

Affordability (55%): We compared rates for identical coverage across major providers and evaluated discount availability.

Customer satisfaction (30%): J.D. Power ratings, Trustpilot reviews and app feedback reveal how insurers handle claims after storms damage your home.

Coverage options (15%): We assessed add-on availability, including water backup protection and inland flood options for Arizona's risks.

Our Sample Profile

Rates reflect a homeowner aged 41-60 with good credit and no prior claims insuring a 2,500-square-foot home built in 2000. Coverage includes $250,000 dwelling coverage, $125,000 personal property coverage, $200,000 personal liability coverage and a $1,000 deductible.

Your rates will vary based on your home's age, location, claims history and credit score.

About Mark Fitzpatrick

Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in CNBC, NBC News and Mashable.

Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!

He writes about economics and insurance, breaking down complex topics so people know what they're buying.

Read Full Bio »

sources

National Weather Service. "Monsoon." Accessed January 26, 2026.