Owning a home is a huge investment, so it makes sense to protect it with insurance. In Arizona, the cost depends in part on the home’s age and construction materials and the policy’s deductible. Our partners at ConsumerAffairs researched the best homeowners insurance in Tucson so you are financially safe from property damage, theft, vandalism or legal claims.
Homeowners insurance in Tucson guards against financial loss after damage to your home or personal property. It also applies when you are found legally responsible for a home-related accident that injures someone or damages their property.
Purchasing homeowners insurance is a smart, if not legally required, decision for homeowners. If you have a mortgage, the lender will require you to buy a policy.
Homeowners insurance in Tucson has several basic coverages: property, contents, personal liability, additional living expenses and medical payments.
Type of coverage
What it covers
Damage to your home caused by perils including fire, lightning, wind or hail; a deductible applies
Personal belongings in your home; a deductible applies
Claim or lawsuit after injury or property damage to others for which you are found legally responsible
Additional living expenses
Living expenses in case your home is uninhabitable after a covered event
Medical expenses for someone accidentally injured on the property
Each coverage limits how much the insurance company will pay out. When purchasing a policy, think carefully about the replacement value of your home and how much you can financially afford to lose.
How much is homeowners insurance in Tucson?
Arizona has among the least expensive homeowners insurance premiums in the U.S. Policyholders spend, on average, between $1,000 and $1,200 per year. The exact amount depends on the home’s age and construction materials, claims history, proximity to a fire station, the owner’s credit history and other factors.
Where you live in Tucson affects premiums as well. Areas that are closer to downtown Tucson generally have higher rates. Homeowners who live in Tucson’s suburbs like Oro Valley and Sahuarita pay less.
Average home insurance rates in Tucson
Sam Hughes (85716)
Desert Palms Park (85715)
Catalina Foothills (85718)
Oro Valley (85737)
Note: Based on dwelling coverage above with a constant $1,000 deductible and $100,000 liability.
Get quotes from different providers, and ask them to include all available discounts. Most companies offer savings if you are moving into a new home, have a monitored security system and smoke detectors, bundle policies or pay for a full year’s coverage in advance.
Before deciding on a policy, read through it carefully. Most contracts in Tucson are “all risk,” naming just exclusions from coverage, but some may only name the perils that are covered. Be aware that floods are not a covered event. Talk to the insurance company about adding on flood insurance, either from your provider or through the federal National Flood Insurance Program.
Progressive is the only insurer that lets customers compare home insurance rates and coverages from multiple companies side by side. Customers can go online to get a quote, see answers to FAQs and view the multiple discounts the company offers. Advice is available over the phone from knowledgeable representatives. Reviewers feel confident with coverage from Progressive and recommend the company to others.
GEICO is a national insurer providing affordable coverage and peace of mind for homeowners. Customers can start the quote process online or call an agent any day of the week. Discounts are available for purchasing multiple policies and having a home security system or smoke alarms. According to reviews, policyholders are satisfied with the affordability of coverage.
State Farm insures more homes than any other company in the U.S. Customers can go online for a quote and get access to State Farm’s tips and resources for homeowners insurance. Discounts are available for purchasing multiple policies, having alarms or using impact-resistant roofing products. Reviewers in Tucson say local State Farm agents offer personalized service and explain coverage options well.
Pacific International Insurance
Pacific International Insurance is a trusted, independent agency in Tucson searching top companies to find customers the best protection and savings on homeowners insurance. Customers can start the quote process online, and a representative will reach out with more information. Tucson reviewers note the company’s attention to detail, customer service and professionalism.
Locally owned and operated, Mooney Insurance is a full-service independent agency with over 20 years of experience in Tucson. This company works with more than 100 insurance companies to help customers secure the protection they need at the most competitive rates. A variety of discounts are available. Tucson residents say staff are beyond helpful and premiums are low.