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Arizona Homeowners Insurance

Arizona Homeowners Insurance

Stay covered. Sleep easier. From the Valley to the high country, we make Arizona homeowners’ insurance simple, affordable, and ready for monsoon and wildfire.

Rather speak with an insurance agent? Call us: (877) 334-7646

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Arizona Homeowners Insurance Made Simple

You worked hard for your home. Protecting it shouldn’t be complicated.

At IronPoint, we cut through the noise and match you with Arizona home insurance built for your address, your risks, and your budget. Fast quotes. Straight answers. No surprises.

Know What Your Arizona Homeowners Insurance Covers

When a storm, fire, or break-in happens, the details of your policy matter.

Here’s what a strong Arizona homeowners insurance policy typically includes:

Coverage Type

What’s Covered

Typical Limit

Dwelling Coverage

Repairs or rebuilds the structure of your home

Based on replacement cost

Personal Property

Helps replace what’s inside your home

Often 50%–70% of the dwelling limit

Liability Protection

Protects you if someone is injured and sues

$300,000 or higher recommended

Additional Living Expenses

Pays for housing and meals if your home is unlivable after a covered loss

Commonly ~20% of the dwelling limit

Don’t guess at coverage. We’ll help you dial it in.

Wildfire & Monsoon: Real Risks for Arizona Homeowners

Arizona faces two big hazards: wildfires in forested and brush areas and summer monsoon storms that bring strong winds, dust, hail, and localized flooding. A well-built Arizona policy addresses wind and fire—and plans for temporary living costs if you’re displaced.

In higher-risk zones, availability and price can vary. We’ll help you find comprehensive options and, when needed, explore specialty markets to close gaps.

What Standard Homeowners Insurance Doesn’t Cover

Some of Arizona’s biggest threats need extra protection:

  • Flood (including flash flood/monsoon runoff): Requires a separate flood policy (NFIP or private).
  • Earthquake: Generally excluded; some carriers offer an endorsement or standalone policy.

Want true peace of mind? Add the right companion policies and endorsements.

Popular Add-Ons Smart Arizona Homeowners Choose

  • Extended or Guaranteed Replacement Cost: Helps if rebuild costs spike after a disaster.
  • Ordinance or Law: Covers extra costs to meet current building codes.
  • Service Line Coverage: Repairs underground water, sewer, or utility lines to your home.
  • Water Backup: Covers damage from backed-up drains or sump failures.
  • Wildfire Defense/WUI services (if offered): Adds proactive response resources during active fires.

What Arizona’s Insurance Regulator Wants You to Know

Arizona does not operate a state FAIR Plan for homeowners. If coverage is hard to find due to wildfire exposure or prior losses, options may exist through surplus lines (specialty) insurers. The Arizona Department of Insurance and Financial Institutions (DIFI) offers consumer guidance and publishes company lists for certain situations (e.g., forested areas, manufactured homes). We’ll help you navigate every path available.

How to Save on Arizona Homeowners Insurance

The right coverage shouldn’t break the budget. Many carriers offer discounts for safer homes and stronger profiles.

  • Bundle home and car for multi-policy savings.
  • Install monitored security, smoke/CO alarms, and smart leak detection.
  • Harden for wildfire: clear defensible space, ember-resistant vents, and Class A roofing.
  • Ask about roof, claim-free, and new-home discounts.

We’ll review every discount you’re eligible for and find the best fit.

First-Time Homebuyers in Arizona: Start Smart

Buying your first place? Great move. The next step is protecting it the right way.

  • Insure to rebuild cost (replacement cost), not market value.
  • Understand escrow: your lender often pays insurance from your escrow account.
  • Plan for Arizona risks: wind/hail, wildfire, and water backup are key considerations.

A solid policy now protects your equity and your future.

Why Choose IronPoint for Your Arizona Homeowners Insurance?

You don’t just need a policy—you need a partner.

  • Access to highly rated insurers and specialty markets.
  • Expertise with Arizona’s wildfire and monsoon risks.
  • Personal advice, transparent options, and help at claim time.

When it comes to protecting your home, local insight matters. So does having a team that makes it easy.

Start an Arizona Homeowners
Insurance Quote

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Call (877) 334-7646 to speak with an insurance agent.

Arizona Homeowners Insurance FAQs

Does homeowners insurance cover monsoon wind and hail?

Wind and hail are typically covered perils on standard policies, subject to your deductible and any special wind/hail terms. Flooding from surface water or runoff requires separate flood insurance.

Is wildfire damage covered in Arizona?

Yes—fire and smoke are standard covered perils on most home policies. Availability and cost can vary in higher-risk areas. We’ll help you find options and right-size your limits.

Does homeowners insurance cover flash flooding?
No. Flood (including flash floods and monsoon runoff) is excluded on standard policies. Consider an NFIP or private flood policy for this risk.
What if I’m denied a policy by a standard insurer?

Arizona doesn’t have a state FAIR Plan. We can explore surplus lines (specialty) markets, mitigation steps, and strategies to improve insurability.

How much dwelling coverage do I need?

Enough to rebuild—your home’s replacement cost. We use cost estimators and local data to set an accurate limit, then consider extended or guaranteed replacement cost.

How can I lower my premium?

Bundle home and car, update the roof, install monitored protection, stay claim-free, and complete wildfire mitigation. We’ll check every discount you qualify for.