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Arizona residents who bundle their home insurance with auto insurance can save even more! Here's how.

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 a licensed agent 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.

what our customers say


I think you're doing a pretty good job. I'm not computer savvy at all and I'm able to follow your directions to print insurance cards and look around my homeowners policy very easily. Thank you!

— Linda, Nevada


Our rep really took the time to explain each step of the process and was great at following up. She made the process easy and I appreciate her helping my family get our house back together.

— Tommy, Nevada


The entire [claim] process was quickly handled and there was no hassles. It was a truly stress-free experience which is rare nowadays. Thanks Esurance for not letting this turn into a nightmare.

— Iola, Kansas

home insurance discounts in arizona

Your state is known for its mineral wealth (hence the nickname "Copper State"), but Esurance can help preserve your actual wealth, too. We've created tons of easy discounts with big savings in mind for residents of Arizona, making our already affordable policies that much easier on your wallet.

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

If you already insure your car with Esurance, you're in luck! By bundling your Arizona home and auto policies, you'll save even more with our Multi-Policy discount.*

Our other discounts include:

  • Smoke-Free discount
  • Claim-Free discount
  • Preferred Buyer discount
  • Hail Resistant Roof discount
  • Future Effective Date discount
  • DIY Inspection discount
  • Loyal Customer discount
  • Home Safety Features discount
  • New Home 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.

Dwelling protection

Arizona averages about 4 tornadoes a year, with flash floods occurring as a result of tropical storms every couple of years. But this should help ease your fears: if wind, hail, or another covered weather risk damages your Arizona abode, your home policy pays for repairs (up to your coverage limits).

Other coverages that come standard with an Esurance policy in Arizona include:

additional coverage options

While you're getting your free Arizona home insurance quote from Esurance, you might consider tacking on additional coverages to get the most protection possible from your policy.

Eco upgrade

Solana, an Arizona-based solar power plant, won 2 Arizona Forward Environmental Excellence Awards in 2014 for its achievements in sustainability (most significantly, a thermal energy storage system). Yours is a state that celebrates its environment, so we make it easy for you to operate a green home, too. If an appliance in your house breaks due to a covered incident, this coverage will upgrade you to an ENERGY STAR qualified product at no cost to you.

Esurance offers even more optional protection, like identity theft expense coverage, building codes coverage, and additional coverage on jewelry, watches, and furs.

stats and facts about grand canyon state living

Wildfires in Arizona

The Grand Canyon State has nearly 160,000 households that are at high or extreme risk from wildfires, according to data from the 2010 U.S. Census. Showing no signs of slowing down, Arizona saw 1,662 wildfires in 2015 alone, burning more than 160,000 acres.

Luckily, your homeowners policy will cover wildfire damage to your home and belongings, up to the coverage limits you choose. Be sure to purchase enough dwelling protection and personal property insurance to fully cover the replacement cost of your property.

Extreme desert heat

We know Arizona's no stranger to extreme temperatures. Not only does hot weather present a health hazard, but it can also cause stress and damage to your home's roof and appliances. While extensive sun and heat exposure wear down the materials on your roof faster than more temperate areas of the U.S., they also cause your air conditioner to work harder and potentially wear out quicker.

Homeowners insurance provides financial protection for both your roof and the appliances under it. Speak with your agent to ensure adequate coverage limits are in place, so you're not stuck footing portions of the repair bills.

AZ's low insurance premiums

As of 2013, Arizonans paid an average homeowners insurance premium of $724 per year, which was significantly lower than the national average of $1,096, according to the Insurance Information Institute. This is due to a number of factors, including the fact that Arizona isn't at risk for many major storms (with the exception of the occasional monsoon, of course).

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Wonder if you could be saving on homeowners insurance?

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Or call 1-866-439-5633.