Arizona Home Insurance.
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A standard Arizona HO-3 policy covers your dwelling and attached structures, personal property, personal liability, and additional living expenses (ALE) if your home becomes uninhabitable after a covered loss. Standard covered perils include fire (including wildfire, subject to underwriting), lightning, theft, vandalism, wind, hail, and certain water damage from sudden plumbing failures. Flood damage, earth movement, and routine wear and tear are excluded — flood requires a separate policy.

Arizona is one of the more affordable states for home insurance — the lack of hurricanes, earthquakes, and severe tornado activity helps keep rates moderate. A typical Arizona homeowner pays between $1,200 and $2,200 per year, depending on home value, ZIP code, roof age, construction type, and prior claims. Older roofs and homes in wildfire-prone northern Arizona pay more. Your specialist can shop the market for your specific home.

Yes — wind, hail, and microburst damage from Arizona's annual monsoon season (typically June through September) are covered perils under nearly every standard HO-3 homeowners policy. Damage from blown debris, downed trees, hail, and dust-storm impact is included. Wind/hail is typically subject to a percentage deductible (1–2% of dwelling), and a separate flood policy is needed for any monsoon flash-flood damage to your home.

Yes — wildfire is a covered peril under standard HO-3 homeowners policies in Arizona, as long as the carrier agreed to write your home. In high-risk brush zones — much of northern Arizona including Flagstaff, Prescott, Payson, and Sedona — some standard carriers decline new business. In those cases, the Arizona FAIR Plan provides fire coverage paired with a difference-in-conditions (DIC) policy for liability and theft.

No. Flood damage is excluded from every standard homeowners policy. You need a separate flood insurance policy — either through the National Flood Insurance Program (NFIP) or a private flood carrier. Arizona's monsoon season produces flash flooding in washes, low-lying neighborhoods, and post-burn watersheds — flood insurance is worth considering even outside FEMA-designated flood zones.

HO-3 is the most common homeowners policy form. It provides "open-perils" coverage on your dwelling (covers everything not specifically excluded) and "named-perils" coverage on personal property (covers only listed perils like fire, theft, vandalism). Most Arizona homeowners use an HO-3, while higher-value homes may upgrade to an HO-5 for broader personal property protection.

Carriers price your policy based on dwelling replacement cost, location (ZIP code, brush-zone score in wildfire-prone counties, distance to fire department), home age and construction, roof age and material (roofs age fast under Arizona sun and heavily affect rates), prior claims, credit-based insurance score, deductible levels, and discounts you qualify for (bundled auto, alarm, new roof, claims-free, etc.). Two homes on the same block can have very different rates.

Yes — and you almost always should. Bundling home and auto with the same carrier typically saves 10–25% across both policies. Farmers, Liberty Mutual, Travelers, Nationwide, and Progressive all offer multi-policy discounts. We can quote both at once and show the bundled savings.

Replacement cost pays to rebuild or replace your home and belongings at today's prices without depreciation. Actual cash value (ACV) subtracts depreciation — a 15-year-old roof on ACV pays a fraction of replacement cost. Most Arizona carriers default the dwelling to replacement cost, but the roof is increasingly written on ACV — especially in Arizona, where intense UV exposure ages roofs faster than in most states. Always confirm how your roof is settled before binding.