Arizona homeowners insurance

From the Grand Canyon to the Sonoran Desert, Arizona residents have a bounty of options to explore and enjoy. Progressive has much to offer them as well with customizable, affordable home insurance. Check out our home insurance coverages, discounts, and cost information for owner-occupied homes.

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How you're covered

Arizona doesn't require homeowners insurance by law, but if you finance your home, your lender may require you to have a homeowners insurance policy in place. Your policy's coverages are designed to safeguard your property and assets. A typical policy will include the following:

  • Dwelling coverage protects your home's structure (roof, walls, etc.) as well as attached structures, like a porch.
  • Other structures coverage protects detached structures, such as a fence or shed.
  • Personal property coverage protects your personal belongings, including furniture, clothing, and electronics. Certain items, like jewelry, art, and collectibles, are often only covered up to a specific limit so you may want to purchase an endorsement to schedule these items on your policy at the coverage amount needed, also known as "adding a rider."
  • Personal liability coverage protects you financially if you're legally responsible for another person's injuries or damage to their property.
  • Medical payments to others pays for medical expenses due to a covered occurrence.
  • Loss of use coverage helps cover costs associated with an increase in living expenses, up to your policy's limit, if you're unable to stay in your home while it's being repaired or rebuilt due to a covered loss.
  • Keep in mind coverage under your policy is subject to exclusions and conditions within your policy. It's important to read your policy to understand the coverage provided.

Learn more about homeowners insurance coverages.

Common claims in Arizona

Despite its proximity to California, Arizonans generally don't have to worry about earthquakes. Like its neighbor to the west, however, wildfires and extreme temperatures can be sources of significant damage to Arizona homes. Your home insurance policy may cover damage to your home's structure and belongings caused by certain severe weather perils, up to your policy's limits.

Arizona's monsoon season can cause flooding issues for the Grand Canyon State's homeowners. A flood insurance policy may protect your Arizona property and belongings against flood damage.

Helping you save

Progressive offers several discounts to help you save on homeowners insurance policies. Some of the most common discounts include:

  • Alarm system
  • Multi-policy
  • Quote in advance
  • New purchase

See more about the home insurance discounts we offer.

Pro tip:

It's never been easier to compare homeowners insurance rates and coverages from multiple companies, thanks to Progressive's Home Quote Explorer® tool.

How much is homeowners insurance in Arizona?

Your cost for Arizona homeowners insurance varies based on many components, including your location, type of home, and coverage limits. Learn more about factors affecting home insurance pricing.

Are you looking to rent out a home you've purchased in Arizona?

If you own an Arizona home and rent it out, make sure you get the right type of property insurance. Learn more about landlord policies and insurance for vacation or vacant homes.

Fast facts about Arizona homes

  1. Residents of the village of Supai get their mail delivered by a carrier on a mule. Why? Because Supai is located at the bottom of the Grand Canyon. It's the only place in the U.S. where mail is delivered that way.

  2. Wrigley Mansion, built as an anniversary present from William Wrigley Jr. (yes, of Wrigley chewing gum) to his wife Ada Foote, features dramatic 360-degree views of Phoenix and can be toured.

  3. The first woman nominated and confirmed as a justice on the U.S. Supreme Court, Sandra Day O'Connor, grew up on a 198,000-acre cattle ranch near Duncan, Arizona.

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