Best Scottsdale Homeowners Insurance Quotes (2025)

Armed Forces Insurance Exchange offers some of Scottsdale’s cheapest homeowners insurance policies, with average annual premiums of $925.

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Scottsdale is an expensive city, and as a homeowner, you need to protect your valuable assets and personal belongings. The average annual cost of homeowners insurance in Scottsdale is $2,170 for a $300,000 policy with a $1,000 deductible.

While Scottsdale homeowners don’t typically deal with natural disasters like earthquakes or tornadoes, the city is prone to dust storms and flash flooding.1 Recognizing these local risks and whether a standard home insurance policy covers them can help you make informed decisions when shopping for insurance.

Keep reading to learn more about comparing quotes and finding affordable homeowners insurance in Scottsdale.

Quick Facts

  • Armed Forces Insurance Exchange, American Family, and Travelers have some of the cheapest home insurance in Scottsdale.

  • Home insurance in Scottsdale costs less than the national average of $2,377 per year but more than the Arizona state average of $1,961 per year for a policy with $300,000 in dwelling coverage and a $1,000 deductible.

  • Scottsdale homes are at risk from windstorms, flash floods, and wildfires, but the right homeowners insurance policy can protect you from all three.

Best home insurance companies in Scottsdale

Many reputable insurance companies serve homeowners in Scottsdale and offer a range of policies and coverage options. The best home insurance company for you depends on your individual situation and needs, but you can start your search with some of the insurers below.

  • Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.

    We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.

    • Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
    • Customer satisfaction: To calculate this score, Insurify analyzed more than 55,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
    • Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
    • Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
    • Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.

Cheapest rates: Armed Forces Insurance Exchange

Armed Forces Insurance Exchange stands out for its affordable rates for military families and veterans. Its policies are designed with the unique needs of military members and their families in mind, with flexible coverage options and discounts to make protecting their homes affordable. The company offers home insurance as well as renters insurance, car and motorcycle insurance, business insurance, and boat insurance.

Pros

  • All clients get dedicated personal insurance agents

  • Flood and earthquake coverage available as add-ons

Cons

  • Limited to active-duty military members, veterans, and their families

  • Offers fewer discounts than some larger insurance companies

Best insurer for customer service: American Family

Best insurer for high-net-worth homeowners: Travelers

Best insurer for in-person and online services: State Farm

Cheapest home insurance in Scottsdale

For Scottsdale homeowners looking for affordable coverage, Armed Forces Insurance Exchange offers the cheapest home insurance in the city. But it’s important to compare quotes to find the best deal to meet your specific needs.

If you’re not a military member or veteran and Armed Forces Insurance Exchange isn’t an option, the table below highlights some other affordable options in Scottsdale and the average cost of home insurance from each company.

Cost of homeowners insurance in Scottsdale

Homeowners insurance costs an average of $2,170 per year in Scottsdale. But you may end up paying more or less depending on several factors, including your home’s age, ZIP code, value, and construction type. Other personal factors like your credit and claims history also play a part.

Your dwelling coverage, add-on coverage, and deductible can also affect your annual premium, so it’s important to consider your budget and understand how much coverage you really need.

Cost of homeowners insurance by dwelling coverage amount

Your dwelling coverage limits directly affect your premiums. Higher coverage amounts cost more because the insurance company assumes greater financial risk. For example, insuring a home for $500,000 will cost more than insuring it for $200,000.

The table below shows the average annual premiums in Arizona for different coverage limits so you can see how it affects your premiums. Rates shown are for policies with a $1,000 deductible.

Cost of homeowners insurance by deductible

Your deductible is the amount you pay out of pocket before your insurance coverage kicks in after a covered claim. Choosing a low deductible means you’ll pay less when you have a claim, which usually results in higher insurance premiums. On the other hand, a high deductible lowers your premiums but requires you to pay more out of pocket when you have a claim.

The following table shows the average annual premium in Scottsdale for policies with $300,000 in dwelling coverage so you can see how your deductible amount affects your premium.

How to get cheap homeowners insurance in Scottsdale

Finding affordable homeowners insurance in Scottsdale is about understanding your insurance products and making strategic choices. Here are some common ways to save on your premiums:2

  • Bundle your policies. Many insurance companies offer discounts — usually anywhere from 5% to 15% — when you bundle your home insurance with other policies like auto or life insurance. These discounts can save you money and simplify managing your insurance coverages.

  • Improve your home security. Investing in home security, like installing smoke detectors, burglar alarms, and deadbolt locks, can lower your insurance premiums. These improvements reduce the risk of damage or theft, so they lower your insurance company’s potential payout.

  • Increase your deductible. Choosing a higher deductible can lower your premiums by up to 25%. While you’ll pay more out of pocket if you file a claim, the savings on your premiums can more than offset that cost over time. Make sure you select a deductible that balances saving today with coverage for potential losses in the event of a future claim.

  • Maintain good credit. In Arizona, insurance companies are allowed to use credit history as a factor when setting rates. Insurance companies use credit history to predict the likelihood of you filing claims because insurers believe people with poor credit tend to file more claims than people with good or excellent credit.3 Maintaining a good credit history by paying your bills on time and managing debt can help reduce your insurance costs.

  • Shop around and compare quotes. Each insurance company has its own criteria for setting rates, so shopping around lets you find the best coverage at the best price. Reviewing and comparing your options regularly helps you save money over time.

Arizona homeowners insurance rates by city

Homeowners insurance rates can vary from city to city and between ZIP codes within the same city. Some reasons for these variations include the likelihood of weather events like windstorms or flash flooding, crime rates, and proximity to emergency services like hydrants and fire stations.

The table below shows the average annual rates for different cities in Arizona for a $300,000 policy with a $1,000 deductible.

How much homeowners insurance do you need in Scottsdale?

Home insurance isn’t a requirement in Arizona or the city of Scottsdale. But when you take out a mortgage to purchase your home, your mortgage company requires you to buy a homeowners insurance policy. This coverage protects its investment if your home is damaged or destroyed.

It might be tempting to go with the cheapest quote you find, but it’s important to understand exactly what your homeowners insurance policy covers before you buy it. Different quotes might have different limits for dwelling, personal property, and personal liability coverage. Some policies might include additional coverage, like guaranteed replacement cost, water backup, or coverage for a home-based business.

What are some of the biggest risks when owning a home in Scottsdale?

Owning a house in Scottsdale comes with a unique set of risks. Discuss these risks with your insurance agent to ensure adequate coverage and peace of mind.

Scottsdale homeowners insurance FAQs

If you’re shopping for home insurance in Scottsdale, this additional information may help as you research your coverage options.

  • How much is home insurance in Scottsdale?

    Homeowners insurance in Scottsdale costs an average of $2,170 per year for a $300,000 policy with a $1,000 deductible, according to Insurify data. But your rates will depend on many factors, such as your ZIP code, age of your home, square footage of your home, and the coverage levels you choose.

  • Which company has the cheapest homeowners insurance in Scottsdale?

    Armed Forces Insurance Exchange offers the cheapest rates in Scottsdale, averaging $925 per year for coverage. But this insurer only caters to the military community. Other affordable options include American Family for $1,380 per year, Travelers for $1,402 per year, and State Farm for $1,428 per year.

  • Does Scottsdale require homeowners insurance?

    No. Homeowners insurance in Arizona and Scottsdale isn’t a legal requirement, but it’s something your mortgage lender will require. Even if you no longer have a mortgage, it’s a good idea to have homeowners insurance. It can help you financially if your home sustains expensive damage from a windstorm or wildfire.

  • What is the average cost of homeowners insurance in Arizona?

    Arizonans pay $1,961 per year for homeowners insurance, on average. This is lower than the national average of $2,377 for a policy with $300,000 in dwelling coverage and a $1,000 deductible. Your rates may be lower or higher depending on your policy, coverage levels, deductible, home type, ZIP code, location, credit history, and local climate.

Janet Berry-Johnson
Janet Berry-Johnson

Janet Berry-Johnson, CPA is a freelance writer with a background in accounting and income tax planning and preparation. She's passionate about making complicated financial topics accessible to readers. She lives in Omaha, Nebraska with her husband and son and their rescue dog, Dexter. Visit her website at www.jberryjohnson.com.

Janet has been a contributor at Insurify since October 2022.

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Best Homeowners Insurance in Scottsdale (2025) | Insurify