Home insurance in Arizona*
Protect your home with top-rated coverage that could save you money.
Get affordable home insurance in 3 simple steps
Whether you do it yourself online or speak with one of our friendly representatives over the phone, Kin makes it easy to find coverage.
Property info
Customize your quote
Get covered
Tell us about your home.
Answer a few basic questions and we’ll generate your home insurance quote in minutes.
Personalize your policy.
Customize your coverages, limits, and deductibles to get the protection you need at a price that fits your budget.
Get covered.
Review your quote and sign your application online. Our licensed agents are here to help if you have any questions!
What does homeowners insurance cover in Arizona?
Rest easy knowing your coverage protects what matters most.
Dwelling coverage
for the actual structure of your home, inside and out.
Other structures
for things like your detached garage or shed.
Personal property
for your personal belongings that make your house a home.
Loss of use
for additional living expenses when a covered loss forces you to temporarily relocate.
Personal liability
if you accidentally cause someone bodily injury or property damage.
Medical payments
if a guest is injured on your property.
Discounts available in Arizona
The average cost of home insurance has increased to $917 per year in Arizona, but you can save money by protecting your home, avoiding damage, and selecting sustainable options.
Home security - for installing security or fire alarms (available for nonmobile homes).
Water detection - because no one wants a flooded home (available for nonmobile homes).
Claims-free - for keeping your home safe over the years.
Electronic policy - for reducing your carbon footprint by saving some paper.
Why you'll love Kin
From small claims to disasters, we're here to help you recover quickly.
Here to help
We reach out before and after major weather events to make sure you’re okay — and to assist if you need to file a claim.
24/7 claims support
Easily file a claim over the phone with a member of our support team or online in your Customer Portal.
5-star care
Our licensed insurance experts are available to help via email, phone, or live chat.
We've got Arizona covered.
We help Arizonans find coverage across the entire Grand Canyon State.
We sell policies in every county in Arizona, including these major cities:
Gilbert
Glendale
Mesa
Phoenix
Scottsdale
Tempe
Tuscon
Common questions about Arizona home insurance
What's the average cost of home insurance in Arizona?
The average cost of Arizona home insurance premiums is $917, according to the latest data from the National Association of Insurance Commissioners in 2021, but many states have seen significant price increases since then. Your home’s premiums and risks depend on its location and other characteristics. Rates vary widely across Arizona, so the best way to see if you can save is to get a quote.
Is home insurance required in Arizona?
No, home insurance isn’t required by law in any state, including Arizona, but almost all mortgage lenders require it before you can buy a home. Even if your lender doesn’t require home insurance, it’s a good financial investment that can save you thousands of dollars in out-of-pocket repair costs.
What factors affect home insurance rates in Arizona?
Arizona's home insurance rates are influenced by wildfire risks, inflation, and limited building supplies. But the cost of your home insurance also depends on exactly where you live, the age of your home, your home’s characteristics, and other factors.
What type of home insurance coverages are recommended in Arizona?
Arizona homeowners should ensure their home insurance covers damage from wildfires and severe storms. To account for extreme weather, House & Property policies have two deductibles in Arizona. The first is the standard deductible, or an “all other perils” deductible, that applies to most claim situations. The second is a wind/hail deductible; sometimes called a severe convective storm deductible, it applies to damage caused by thunderstorms.
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