Arizona Home Insurance

Typical Arizona homeowners insurance coverages

• Coverage A – Dwelling: Coverage for your home and attached structures for damage caused by events such as fire, lightning, wind or hail.
• Coverage B – Other structures: This covers damage to other structures on the property that are set apart from the dwelling, such as a fence, shed or detached garage.
• Coverage C – Personal property: Coverage for your belongings, such as furniture, clothing and electronics, if they’re damaged by a cause listed in your policy.
• Coverage D – Loss of use: This covers your temporary living expenses when a covered loss makes your home unfit to live in.
• Coverage E – Personal liability: This covers damage or injury to another person or their property that you’re responsible for causing. It also covers legal assistance for claims made against you.
• Coverage F – Medical payments to others: This coverage can pay for medical bills for people who are accidentally hurt on your property, not including members of your household.

Remember, each of these coverages is subject to a policy limit and exclusions, which are specified within your policy.

Homeowners insurance doesn’t cover flood damage, so it’s important to make sure you have the right protection in place if a flood occurs. Flood insurance is available through the federally backed National Flood Insurance Program. Many mortgage companies require it when a home is in or near a floodplain, but floods can happen anywhere. Adding this coverage can help you stay protected no matter where you live.

Additional home insurance coverage in Arizona

In addition to the coverages included in a standard homeowners policy, many Arizonans choose to explore optional coverages that provide added protection beyond the basics. These additional coverages may help with:

• Enhanced protection for rebuilding or repairing your home, including extended replacement cost options.
• Coverage for specific parts of your home, such as roofs, siding or certain types of property.
• Protection for home systems and infrastructure, like buried utility lines or water backup.
• Added support for a covered loss, including debris removal or protections designed to reduce out-of-pocket costs after a major claim.

These coverage options can be added individually or combined in different ways depending on how much protection you’d like and what makes the most sense for your home. Learn more about common homeowners insurance coverages and how they work.

Customizing home insurance in Arizona 

After reviewing standard and optional coverages, you may be wondering how homeowners typically put those choices together. YourPlan allows you to compare thoughtfully built coverage levels that are based on what Arizona homeowners often select. Then, you can adjust and customize from there, choosing what feels right for your home and budget.

Essential

Core coverage that’s designed to meet the needs of many Arizona homeowners. Essential focuses on foundational protection for your home, belongings and liability. It’s a straightforward option that covers common risks without added enhancements.

Advantage

Broader coverage that offers added protection for more situations. Advantage builds on Essential by including optional coverages and enhancements that go beyond a standard policy. It’s a good fit if you want extra flexibility and added protection for things like repairs, home systems or certain types of losses.

Signature

Our most complete option, with enhanced protection and added benefits. Signature includes the highest level of coverage we offer, combining broader protection, higher benefit limits and additional safeguards. It’s designed to help reduce gaps in coverage and provide added confidence if a loss is more complex or severe.

YourPlan lets you explore these approaches in more detail and customize coverage based on what you need in Arizona. Explore coverage options with YourPlan.

What affects your Arizona home insurance rates?

The location of your home is a significant factor that impacts home insurance premiums. The proximity to wildfire-prone areas, crime rates and the likelihood of natural disasters can all affect premiums. The cost to rebuild or repair your home, and the type of materials used, all play a part.

Your Arizona home insurance policy should be as unique as your residence, tailored to your specific needs and circumstances. While some factors affecting premiums may be beyond your control, adjusting your deductible or exploring available discounts can help lower premiums while still maintaining sufficient coverage.

Additionally, regularly reviewing and updating your coverage can ensure that your policy adequately reflects your current needs.

Maximize savings on Arizona homeowners insurance with discounts

There are several ways Arizona homeowners can save money on home insurance without compromising the quality of their coverage.¹ We offer home insurance discounts for:

• Alarm systems: Receive a discount when you insure a home with burglar alarms, sprinkler systems or fire alarms.
• Automatic detection devices: Insure an Arizona home with a temperature monitoring, water leak detection or gas leak detection system installed and receive a discount.
• New or remodeled homes: Receive a credit when you insure a new or remodeled home.
• Claim-free: Receive a discount when you’ve had no claims in the past three years.

If these don’t apply to you, we also offer discounts for:

• AutoPay: Receive a discount when you opt to pay your premium using automatic deductions.
• E-discount: Receive a discount when you sign up to receive policy information and bills electronically.
• Paid in full: Save money when you pay the entire balance of your Arizona policy premium up front.

One of the best ways to conveniently manage all of your insurance needs and save money at the same time is to bundle home and auto insurance with the same company. In fact, Arizonans who bundle their policies with Amica may qualify for a valuable multiline discount.¹

Facts and figures about Arizona

Common claims in Arizona:

Arizona's climate, characterized by hot weather and the threat of wildfires, can pose unique challenges for homeowners.

• Climate-related claims: Damages caused by hot weather or wildfires are unfortunately common in the state. The intense heat can lead to various issues such as roof damage, siding damage and even structural damage to homes.
• Plumbing leaks: Among the common insurance claims in Arizona are plumbing leaks. Leaks are a significant concern, particularly those complicated by pipes running through concrete slabs, which is a common construction method in the region. These leaks can go unnoticed for extended periods, leading to water damage, mold growth and other costly issues.

Most standard home insurance policies cover both types of damage, but it's best to review your policy to understand the extent of coverage and any limitations.

Fun facts about Arizona:

• In Arizona, saguaro cacti are protected by state law and damaging one can result in penalties.²
• Tired of shoveling snow? Move to Phoenix where they haven’t seen more than one inch of snowfall since 1937.³
• The London Bridge in Lake Havasu City is actually from England. The bridge was purchased in 1968, taken apart in London and reassembled on the Bridgewater Channel in Arizona. The London Bridge in Lake Havasu City is the second-largest tourist attraction in Arizona behind the Grand Canyon.⁴

With Amica, you can rest easy knowing that your home is safeguarded against the unexpected, allowing you to focus on what matters most – enjoying life in beautiful Arizona.