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arizona homeowners insurance

We know your Arizona home is your pride and joy (and if it has central air, your best friend, too). That's why Esurance is thrilled to offer home insurance in Arizona and help you keep your abode worth being proud of.

When you buy homeowners insurance from Esurance, you're getting a policy with your interests at heart. We pride ourselves on thriving in the areas that matter most to customers — like having someone there 24/7 to offer assistance, getting a reduced premium for going claim-free, and being able to choose from a wide range of coverage options to protect every nook and cranny of your home.

home insurance discounts in arizona

We've created tons of easy discounts with big savings in mind. Here's a sampling.

Welcome Home discount

If you were previously covering your home with another insurer, or are insuring a newly purchased house, you qualify for this discount just by choosing Esurance. Savings will be applied to the first 2 policy terms.

Multi-Policy discount

Bundle your home and your car to score savings on both insurance policies.

Loyal Customer discount

Renew your policy with us for at least one term, and you'll qualify for savings. Just our way of thanking our amazing customers.

Home Safety Features discount

Having common safety features — like deadbolt locks or burglar and fire alarms — in your home is one of the easiest ways to score big savings.

New Home discount

If you're the original owner of your home, simply insure it with Esurance within 12 months of its purchase or completion date in order to save. Not the original owner? No problem. You can still nab a discount by insuring your home within 5 years of purchase.

More handy home insurance discounts in Arizona include the Claim-Free discount, Preferred Buyer discount, Hail Resistant Roof discount, Future Effective Date discount, DIY Inspection discount, and the Smoke-Free discount.

standard coverages for your arizona home

When incidents happen, you want the most important stuff — like your family's safety, your home's structure, and your savings — taken care of first.

With Esurance homeowners insurance in Arizona, you get an extensive set of standard coverage options to take care of your essentials, including but not limited to:

Dwelling protection

If regional risks like fire or wind, or other incidents such as vandalism damage your home, your homeowners policy can help you repair or rebuild it. Simple as that.

Other structures coverage

Homeowners in Arizona often need protection for more than the home itself. With Esurance, you can cover structures not attached to the main house, like your poolside gazebo or sun-shielding carport.

Family liability protection

If you or someone on your policy accidentally cause property damage or injure someone, we'll cover liability costs like legal fees and settlements, and others' medical bills. You don't need to pay anything on your own (a deductible) for this coverage to kick in.

Personal property protection

Arizona homeowners insurance also protects what's inside your place. With an Esurance policy, things like your furniture, electronics, appliances, clothes, and other valuables get coverage against damage and theft.

Guest medical protection

All it takes is one creaky stair or wet walkway to cause an injury. If a guest is hurt on your property, homeowners insurance can help pay for their medical expenses, whether or not you're liable for the injury.

And since there's no deductible, you won't have to pay a penny out of pocket to use guest medical coverage.

optional coverages you can choose

We also include many optional homeowners coverages in Arizona to help you get the fullest protection, such as:

Additional coverage on jewelry, watches, and furs

Some of your finer possessions might exceed the limits of basic personal property coverage. With this additional coverage, however, you can rest easy knowing that if a thief steals your jewelry, furs, or other expensive items, you'll still be protected.

Golf cart coverage

Maybe you use a golf cart to hit the links under the perpetual Arizona sunshine or navigate the grounds around your house. However you use yours, you can enjoy coverage for these helpful vehicles through your Arizona homeowners insurance.

Identity theft expense coverage

Having your identity stolen can seem like the end of the world. Fortunately, this coverage is your ticket to a simple, speedy recovery.

For just $3 a month ($4 for 2 people), we bring in a dedicated service to help fix any damage done to your name and credit as a result of ID theft. Choosing this coverage also grants you monthly credit file monitoring, an annual credit report and score, and even a dedicated ID theft advisor.

Eco upgrade

The American West is home to some of the greenest, most environmentally friendly states in the nation (that deserves a fist pump … go on). With Esurance homeowners coverage, Arizona residents have an easy way to further embrace clean living.

Here's how it works: if you have energy-inefficient appliances (electronics, lighting, etc.) in your home, our eco upgrade coverage helps you replace them with ENERGY STAR qualified products after a covered incident.

benefits of esurance home insurance

Easy, no-hassle quotes

If you already have an auto policy with us, your pertinent info is automatically filled in when you get an Arizona homeowners insurance quote so you can save time and get on with your day.

Replacement cost estimate when you get your quote

You want to have enough homeowners insurance to completely rebuild your home if it were ever destroyed. But how do you know how much reconstruction will cost?

With Esurance, you don't have to make wild guesses because we provide a replacement cost estimate for you. We factor in the features of your home as well as the cost of labor and materials in your area of the Grand Canyon State, and voila, you get a coverage amount option that works for you.

And if you want more coverage than our estimate, that's no problem either.

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Wonder if you could be saving on homeowners insurance?

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