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Arizona Home Insurance - What's Happening

Arizona is probably most well-known as being home to the Grand Canyon but it’s also becoming known for having some pretty low home insurance premiums. Average premiums for Arizona home insurance were a mere $651 in Q2 of 2014 – far below the U.S. average of $829.

Arizona’s climate can be just as varied as its home insurance premiums. Because the state is very hot and dry, flash flooding can be a concern. However, flooding is not covered by standard Arizona home insurance. Flood insurance must be purchased separately through the National Flood Insurance Program.

Your home is a big investment, which is why it’s important to protect it. Call HomeInsurance.com to get a free home insurance quote. Can't call right now? Start online by entering your information in the small form above.

Curious about car insurance? Click here to learn more about auto insurance in Arizona.


Arizona Home Insurance Report Card

We get that buying home insurance is complicated. We've demystified it by assigning each state grades based on information collected from HomeInsurance.com customers about their houses. It's a coloring-outside-the-lines approach that shows how factors about a home can affect what you pay for coverage.


B

Home Grade

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C

Property Grade

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B

Bonus Grade

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B

Overall Grade

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Home (Grades related to the house itself)

Arizona homes are 12 years newer than the national average, which scores some points with potential insurers. Homeowners who experience a total loss in AZ also can expect lower building costs, which is a plus for the state. Large homes and lack of sump pumps were Arizona’s biggest problems in this category.

A+

Average year built

The average Arizona home was built in 1992, which means insurers don't worry so much about problems with the electrical and plumbing systems.

C

Average home size

At 1,995 square feet, the average AZ home is a bit bigger than the national average of 1,971 sq. ft.

A

Average replacement cost

Replacing your house after a total loss in Arizona will cost an average of $244,293, thousands below the U.S. average.

C

% of homes with sump pump

None of Arizona’s homes insured during the quarter have a sump pump, which can be crucial in preventing extensive water damage.

Property (Factors related to the property and location)

Property factors are where the Grand Canyon State did the most poorly. However, it wasn’t the insured cost of other structures that hurt them. In fact, the average insured cost of other structures (detached garages, sheds and fences, for example) on property belonging to Arizona homeowners was $17,510 – well below the national average of $26,165.

AZ homeowners received a ‘C’ grade by failing to avoid risk liabilities like swimming pools and ATVs. 22.2% of Arizona homeowners have swimming pools, a large percentage when compared with the national average of 5.1%. Like pools, ATVs present liability risks and 2.8% of AZ homeowners own at least one.

Bonus (Other factors that influence your home insurance premiums)

A

% of homes with fire extinguishers

93% of AZ homes reported having fire extinguishers, an improvement from the U.S. average of 91.4%.

B

% of homes with dead bolt locks on exterior doors

96% of homes in the state have dead bolt locks, which is only a touch above the national average of 95.9%

C

% of homes with smoke detectors

Only 97% of AZ homeowners have smoke detectors while the rest of the country averages at 98.3%. Adequate warnings can keep small fires small.

A

% of homes with security alarms

Security alarms are a helpful safety feature but only 19% of AZ homes have them, a tad below the national average.

Overall Grade - B (could be better)

While average Arizona home insurance premiums are on the low side, the state didn’t pull off an A+ grade. Why? The Grand Canyon State has large homes and a high percentage of properties with liability risks such as swimming pool and ATVs. AZ residents protect their homes with security alarms and fire extinguishers but fall short on preventive measures such as smoke detectors and deadbolt locks.

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