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Your home is a big investment. Make sure you protect what matters most. Our homeowners insurance policies can give you the peace of mind you want, and the reliable coverage you need.

Your home is a big investment. With Arizona Home Insurance, you can rest easy knowing that you’re protected. We’ve been putting our customers first since 1990, offering the same competitive coverage that national insurers offer, at a fraction of the cost.

Why Do I Need Homeowners Insurance?

Sometimes, the unexpected happens. And Arizona Home Insurance will be there to help your life get back on track. Our homeowners insurance1 can help protect you, your home, and your belongings from common hazards2 such as:

  • Fire and smoke damage
  • Water damage
  • Theft
  • Cyclone, wind, or storm damage
  • Hail and lightning
  • Broken glass and vandalism

1If your home is located outside of Arizona, please visit our main website: 2Please refer to your actual home insurance policy for a complete list of coverages.

Get 10% off your first year’s premium and 5% off your second year when you apply online!

Understanding Your Coverages

For your primary residence, an Arizona Home Insurance policy includes these coverages:

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Dwelling Coverage

Provides coverage for the structure of your home (roof, walls, etc.) and attached structures, such as a garage. We offer guaranteed replacement cost, which provides full reconstruction of your home in the event of a covered loss, at no additional cost to you.

Example: Your home is damaged during a storm.

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Personal Property Coverage

Covers personal belongings such as clothing, furniture, and other personal items not permanently attached to your home. We include Replacement Cost Coverage on contents which means we'll replace your belongings at today's cost without any depreciation.

Example: Someone breaks into your home and steals your electronics.

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Other Structures Coverage

Provides coverage for detached structures on your property, such as driveways, fences, sheds and swimming pools.

Example: A lightning strike damages your fence.

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Personal Liability Coverage

Provides coverage for bodily injury or property damage to other parties for which you or other covered residents are legally responsible.

Example: A visitor in your home trips over a piece of furniture and is injured.

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Loss of Use Coverage

Helps cover living expenses if your home is unfit to live in after a covered loss.

Example: A fire damages your home, and you have to move out temporarily while the damage is repaired.

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Medical Payments to Others

Provides coverage if a guest at your home is injured.

Example: A visitor slips while walking on your driveway and has to seek medical attention.


We want to help keep more money in your pocket. Talk to one of our agents to see if you qualify for these discounts:

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home security system
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Wi-fi Water Device : Install a qualified wi-fi water device for an annual premium discount of 10% - 15% where applicable.
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Customers save an average of $425* when they switch!

Switching to Arizona Home Insurance has never been easier. We’ll help you cancel your existing policy, and guide you on obtaining a refund from your current carrier. Are you ready to start saving? Call us at 1-800-696-7221 to get started!

Switch & Save!
*Based on 2019 customer data obtained in Arizona.