Our editorial team analyzed regional and national home insurance companies that sell policies in Tucson to assess which offer the best rates, coverage options, customer service, and savings to homeowners. We prioritized competitive rates, 24/7 customer service, homeownership discounts or bundling options, and specialty or supplemental coverages.
Tucson homeowners pay an average of $2,160 per year for home insurance coverage with a $1,000 deductible and $300,000 in dwelling coverage. The cost of coverage in Tucson, Arizona, is slightly less than the national average cost of home insurance of $2,584, possibly due to the city’s decreasing crime rates.
To find the best deal on a home insurance policy in Tucson, it’s a good idea to shop around and compare home insurance quotes from multiple companies. Here’s what you need to know about home insurance in Tucson.
Best home insurance companies in Tucson
When looking for homeowners insurance in Tucson, you have several top companies to choose from. The right insurer for you depends on factors like your budget, home value, and unique coverage needs.
Here are three of the best home insurance companies in Tucson to help you with your search.
Best insurer for cheap rates: American Family
Best insurer for veterans: USAA
Best insurer for high-value homes: Chubb
Cheapest home insurance companies in Tucson
Armed Forces Insurance and Chubb offer the lowest home insurance rates in Tucson, with respective average annual rates of $930 and $1,065 for an insurance policy with $300,000 in dwelling coverage and a $1,000 deductible.
When determining premiums, home insurance companies consider factors like your home condition, ZIP code, past claims, and more. It’s always important to compare quotes from multiple home insurance companies.
The table below highlights the cheapest homeowners insurance companies in Tucson.
How much is home insurance in Tucson?
On average, a Tucson home insurance policy with $300,000 in dwelling coverage is $2,160 with a $1,000 deductible and $2,236 with a $500 deductible. The size of your home, your preferred coverage level, your deductible, and the value of your personal belongings will all influence your home insurance cost.
Cost of home insurance by dwelling coverage in Arizona
If your Tucson home faces damage after a covered loss, it’s important you have enough dwelling coverage to repair or rebuild it. To determine the right amount of dwelling coverage, consider the age of your home, its square footage, and interior features. Higher dwelling coverage will increase your average annual home insurance premiums.
Here’s how various dwelling coverage amounts in Arizona might affect homeowners insurance rates for policies with a $1,000 deductible.
Cost of homeowners insurance by deductible amount
Your home insurance deductible is how much you’ll have to pay out of pocket when you file a claim. After you pay your deductible, your insurance will take care of the remaining amount. A higher deductible can lower your premiums, but you’ll have to spend more out of pocket.3 Note that the most common deductibles for home insurance policies are $500 and $1,000.
The table below shows how deductible amounts affect average annual home insurance rates in Tucson for home insurance with $300,000 in dwelling coverage.
Average cost of home insurance in other cities in Arizona
Your city and ZIP code can affect your home insurance quote due to fluctuating weather, crime rates, and proximity to fire stations. For example, if you live in an area with a high flooding risk, you’ll likely pay more for your insurance policy.
Here’s a look at how the average cost of home insurance in Tucson compares to other cities in Arizona. The annual premiums below reflect averages for an insurance policy with $300,000 in dwelling coverage and a $1,000 deductible.
What to know about owning a home in Tucson
As a Tucson homeowner, you should familiarize yourself with the following risks and natural disasters that might affect your home:
Tucson home insurance FAQs
Home insurance is essential if you’re a homeowner in Tucson. The following information can help answer your remaining questions about finding coverage in Tucson.
On average, a home insurance policy in Tucson costs $2,160 per year for $300,000 in dwelling coverage and a $1,000 deductible. Since hurricanes and flooding may occur in Tucson, it might make sense to buy flood insurance through the NFIP or a private insurance company.
Armed Forces Insurance offers the lowest rates for home insurance in Tucson, with an average annual premium of $930 for an insurance policy with $300,000 in dwelling coverage.
While coverage from Armed Forces Insurance is only available to the military community, you can also lock in affordable coverage with American Family Insurance and Chubb. To earn lower insurance rates, you can increase your deductible, look into insurance discounts, and bundle your home and auto insurance.
The average annual cost of a home insurance policy in Arizona with $500,000 in dwelling coverage and a $1,000 deductible is $3,623. The age of the house, coverage level, deductible, and interior features will affect the exact premium.
The 80% rule states that the home insurance company will only cover the damage if your insurance coverage is at least 80% of your home’s total replacement value. If the amount of coverage is below the 80% threshold, the insurance company will only reimburse you an amount proportional to the minimum you should’ve purchased.
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Insurance Writer
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