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Arizona Home Insurance

Arizona's landscape offers a wide range of environments, from deserts to forests, and from small towns to busy cities like Phoenix. Amica is here to help protect your investment and provide peace of mind against accidents and unexpected events.

Is home insurance required in Arizona?

Arizona doesn’t legally require homeowners to have insurance on their property, but if you finance your home through a mortgage, your lender will likely require you to have homeowners insurance. Even if you own your home outright without a mortgage, it's still highly advisable to be insured. Home insurance is not a one-size-fits-all product. It should be tailored to your specific situation and needs.

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.

Your homeowners insurance won’t cover flood damages, so it helps to ensure you’re properly covered if there’s a flood. Flood insurance policies are available and are written through the federally backed National Flood Insurance Program. It’s common for mortgage companies to require flood insurance if your home is within or near a floodplain. Regardless, a flood can occur anywhere, and it’s a good idea to buy this additional coverage. 

Additional coverages in Arizona

You may find that the general coverages afforded in a basic homeowners policy don’t cover certain losses or types of property. Amica offers home insurance options in the form of policy endorsements that can fill in some of those gaps in coverage. Adding endorsements to your Arizona homeowners insurance policy can provide valuable additional coverage tailored to your specific needs. Here are a few endorsements you might consider:

  • Special computer coverage:

    Additional protection beyond what’s included in your policy for devices against direct physical loss, like accidental damage or theft. Devices covered under special computer coverage include:

    • Desktops
    • Laptops
    • Smartphones
    • Gaming devices
    • Smart TVs
  • Identity fraud expenses:

    Identity theft is a growing concern, and this endorsement can help cover expenses associated with restoring your identity, such as legal fees, lost wages and other related costs.

  • Water backup and sump overflow:

    Unexpected and accidental water damage, like from an appliance or burst pipes, is covered by most homeowners insurance policies. But, at the same time, they also exclude coverage for backed-up sewers and drains. This endorsement provides coverage for water that backs up through drains and sump pumps.  

  • Scheduled personal property:

    If you have high-value items such as jewelry, fine art or collectibles, a basic homeowners policy may not provide sufficient coverage. With this endorsement, you can insure specific items to make sure they're adequately covered against loss or damage.

  • Earthquakes:

    A standard Arizona policy excludes damage caused by earth movement, including earthquakes. This endorsement would extend coverage to damage caused by an earthquake.

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 your insurance coverages for home and auto with the same insurance company. In fact, Arizonans who bundle home and auto insurance with Amica could save up to 20% with a multiline discount.

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

How to get home insurance in Arizona

We’re here to guide you through the process of personalizing your homeowners insurance in Arizona. Here’s how to secure your policy in three easy steps:

  1. Assess your coverage needs:

    An Amica representative can provide personalized guidance and help you navigate your options to find the right coverage for your needs.

  2. Discover potential discounts:

    A representative can also assist you in exploring potential discounts or cost-saving measures available to Arizona homeowners based on your unique circumstances.

  3. Get a quote:

    Amica offers convenient options for getting a quote. You can either get a home insurance quote online or call 800-242-6422 today to speak with a representative.

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.

Get a home insurance quote

or call 833-513-3881

1 Discounts not available in all states and may vary.
2 Arizona Motor Vehicle Crash Facts 2022
3 The Arizona National Scenic Trail
4 Arizona State Library: Daylight Saving Time
5 Driving in Arizona


Your Policy, Policy Declarations or Amended Declarations in effect on the date of loss is the primary source of reference for your coverage, coverage limits and deductible amounts.

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