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Best Homeowners Insurance in Phoenix, AZ

Aug. 26, 2019, 10:08 p.m.

Buying a home is a major investment. Buying homeowners insurance is a great way to maintain that investment while keeping you and your family safe. Based on our thorough research, the best homeowners insurance companies in Phoenix, AZ offer customized coverage and convenient features like choosing policies, paying premiums and filing claims online.

Everyone deserves to make thoughtful, informed purchase decisions. The local guides provided on this website are free for consumers. ABC15 may receive compensation from our partners. Learn more.

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#1
EverQuote

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EverQuote
Features
  • Quotes from local agents and top insurers
  • Compare the lowest rates
  • Fast and free for homeowners
  • Available in Phoenix
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#2
Progressive
Progressive
Features
  • Home & other structures
  • Loss of use coverage
  • Local agents in Phoenix
  • Bundle & save
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Location
2375 E. Camelback Rd., Ste. 500
Phoenix, AZ 85016
(602) 230-3101
#3
GEICO
GEICO
Features
  • Discount for smoke alarms
  • Free online quotes
  • Multi-policy discounts
  • Personal item coverage
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Location
9515 W. Camelback Rd., Ste. 134
Phoenix, AZ 85037
(602) 234-3426
#4
State Farm
State Farm
Features
  • Multi-policy discounts
  • Free online quotes
  • Personal articles policy
  • Small business coverage
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Location
7207 N. 7th St.
Phoenix, AZ 85020
(602) 906-0299
Arizona Home Insurance Company
Arizona Home Insurance Company
Features
  • English & Spanish service
  • Landlord coverage
  • Seasonal home protection
  • Apply online
Location
300 W. Clarendon Ave., Ste. 405
Phoenix, AZ 85013
(800) 696-7221
Allstate Insurance Agent: Edward Vasquez
Allstate Insurance Agent: Edward Vasquez
Features
  • Local Phoenix agent
  • Online quotes
  • Home & personal property
  • Other structures
Location
3508 N. 7th St., Ste. 115
Phoenix, AZ 85014
(480) 999-7222
Homeowners Insurance Phoenix AZ
Homeowners Insurance Phoenix AZ
Features
  • M-F: 9am - 5pm
  • Closed Sat and Sun
  • phoenixinsurancehome.com
Location
1013 S. Stapley Dr.
Mesa, AZ 85204
(602) 428-6869
Best Buy Insurance
Best Buy Insurance
Features
  • M-F: 8am - 6pm
  • Sat: 9am - 4pm
  • Closed Sun
  • getbestbuyinsurance.com
Location
3917 S. Central Ave.
Phoenix, AZ 85040
(602) 268-2548
AALL Insurance
AALL Insurance
Features
  • M-F: 9am - 7pm
  • Sat: 9am - 5pm
  • Closed Sun
  • aall.net
Location
5830 W. Thomas Rd.
Phoenix, AZ 85031
(623) 873-3777
Ayala Insurance
Ayala Insurance
Features
  • M-F: 9am - 6pm
  • Sat: 10am - 3pm
  • Closed Sun
  • ayalainsurance.com
Location
5233 S. Central Ave., Ste. A-1
Phoenix, AZ 85040
(602) 386-3287
Homeowners Insurance Group
Homeowners Insurance Group
Features
  • M-F: 9am - 6pm
  • Closed Sat and Sun
  • homeownersig.com
Location
16427 N. Scottsdale Rd., Ste. 145
Scottsdale, AZ 85254
(480) 626-9376
TD Insurance
TD Insurance
Features
  • M-F: 8:30am - 5:30pm
  • Closed Sat and Sun
  • tdinsuranceaz.com
Location
1430 E. Indian School Rd., Ste. 240
Phoenix, AZ 85014
(602) 254-3208
R.P. Ryan Insurance
R.P. Ryan Insurance
Features
  • M-F: 8am - 5pm
  • Closed Sat and Sun
  • rpryan.com
Location
18501 N. 40th St.
Phoenix, AZ 85032
(602) 992-9700
Summit Insurance Advisors
Summit Insurance Advisors
Features
  • M-Th: 9am - 5:30pm
  • F: 9am - 4pm
  • Closed Sat and Sun
  • summitinsuranceaz.com
Location
5425 E. Bell Rd.
Scottsdale, AZ 85254
(480) 214-3544
Freeway Insurance
Freeway Insurance
Features
  • M-F: 9am - 7pm
  • Sat: 9am - 6pm
  • Closed Sun
  • freewayinsurance.com
Location
1330 W. Indian School Rd.
Phoenix, AZ 85013
(602) 599-0771
General Southwest Insurance Agency
General Southwest Insurance Agency
Features
  • M-Th: 8am - 5pm
  • F: 8am - 4:30pm
  • Closed Sat and Sun
  • generalsouthwest.com
Location
5628 E. Thomas Rd.
Phoenix, AZ 85018
(480) 990-1900
Genesis Insurance
Genesis Insurance
Features
  • M-T: 10am - 6pm
  • W: 10am - 4pm
  • Th-F: 10am - 6pm
  • Sat: 10am - 4pm
  • Closed Sun
  • genesisphx.com
Location
4114 N. 27th Ave.
Phoenix, AZ 85017
(602) 354-3339

How to choose homeowners insurance in Phoenix

phx skyline homeowners insurance

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.

Average home insurance rates in Phoenix

Dwelling $200,000 Dwelling $400,000 Dwelling $600,000
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.

Flood and liability homeowners insurance options in Phoenix

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

Progressive

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.

GEICO

GEICO

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.

State Farm

State Farm

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.

Arizona Home Insurance Company

Arizona Home Insurance Company

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.

Allstate Insurance Agent: Edward Vasquez

Allstate Insurance Agent: Edward Vasquez

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.

Our partners independently research and analyze the companies mentioned in our guides and work with subject matter experts to add valuable information that helps consumers make smart purchase decisions. Our partners will not include companies on these guides that do not meet specific quality standards. The compensation we receive from our partners may impact how and where companies appear on our site, including the order in which they appear.

Our partners independently research companies, and use editorial discretion to award companies with special recognition (i.e. Best Value) based on their staff’s judgement or subject matter expert’s judgement. Our partners do this to help you identify companies that will meet your specific buying needs, and do not receive compensation for these designations.