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Homeowners Insurance in Arizona

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Homeowners Insurance in Arizona

Whether you live in the thriving state capital of Phoenix or enjoy the recreational mecca of northern Arizona, the Grand Canyon state is where you’ve put down roots — and you do what you can to protect the place you call home. That includes having the best homeowners insurance in Arizona.

At American Family Insurance, we’ll help protect your home and everything in it from unexpected events like theft, fire, natural disasters and so much more. When you work with our dedicated expert agents, they’ll help build you a policy customized to fit your unique needs. They’ll be there to answer all your questions, ensure you’re getting the discounts you deserve and provide service you can count on.

Types of Coverage for Home Insurance

The state of Arizona is known for its dry climate and high temps, not to mention its lack of rainfall — conditions that can turn a small fire into a widespread issue and cause a lot of damage to property. Your homeowners insurance protects the structure of your home and personal belongings from things like wildfires and so much more, including:

  • Fire
  • Falling objects
  • Frozen interior plumbing
  • Hail
  • Lightning
  • Smoke
  • Theft
  • Vandalism
  • Water damage from plumbing, heating or cooling system
  • Weight of ice, snow or sleet
  • Wildfires
  • Windstorm/Tornado

Finding the best coverage to protect your home starts with understanding your options. Here are some common coverages to get familiar with:

Coverage A: Dwelling
Pays to rebuild or repair your home.

Coverage B: Other Structures
Pays for damage to other, detached structures on your property such as garages, gazebos, sheds and fences.

Coverage C: Personal Property
Covers your personal belongings, including furniture, clothing and appliances, if they are stolen, damaged or destroyed.

Coverage D: Loss of Use
Pays for additional living expenses if your home is uninhabitable due to a covered loss.

Coverage E: Personal Liability
Protects you against financial loss if you are sued and found legally responsible for someone else’s injury or property damage.

Coverage F: Medical Expense
Covers medical payments to others, injured on or off your property, regardless of your legal responsibility.

Optional Coverages for Arizona

We also offer a variety of optional coverages you can purchase to better protect your home — often at an affordable price. Fortunately, Arizona has low natural disaster rates compared to other states, but there are certain weather hazards you might want to consider adding coverage for, including:

Find Your Local Agent Today

Our agents understand there’s more to insurance than just a policy. They’ll be by your side through it all as trusted, caring advisors — helping you gain confidence in your coverage. Ready to find an agent near you? We have expert agents throughout Arizona who are ready to guide you to find the best coverage for your home. Find your agent today.
The information on this webpage represents only a brief description of coverages, is not part of your policy, and is not a promise or guarantee of coverage. If there is any conflict between this information and your policy, the provisions of the policy will prevail. Insurance policy terms and conditions may apply. Coverage features and limits vary by state and may be subject to change. Some products are not available in every state. Discount availability and eligibility vary by state and policy terms. (Discounts apply to auto and property policies.) Please check with your agent and read the policy for exact details on coverages and exclusions.