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Best Homeowners Insurance in Tucson, AZ

Aug. 26, 2019, 10:09 p.m.

Owning a home is a huge investment, so it makes sense to protect it with insurance. In Arizona, the cost depends in part on the home’s age and construction materials and the policy’s deductible. Our partners at ConsumerAffairs researched the best homeowners insurance in Tucson so you are financially safe from property damage, theft, vandalism or legal claims.

Everyone deserves to make thoughtful, informed purchase decisions. The local guides provided on this website are free for consumers. KGUN 9 may receive compensation from our partners. Learn more.

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#1
EverQuote

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EverQuote
EverQuote
Features
  • Quotes from local agents and top insurers
  • Compare the lowest rates
  • Fast and free for homeowners
  • Available in Tucson
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#2
Progressive
Progressive
Features
  • #1 in online home insurance quotes
  • Additional coverage options
  • Online quotes
  • Available in Tucson
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Location
611 N. Wilmot Rd., Ste. 102A
Tucson, AZ 85712
(520) 298-2100
#3
GEICO
GEICO
Features
  • Home security discount
  • Multi-policy discount
  • Free online quotes
  • Available in Tucson
Read More
Location
3255 E Speedway Blvd.
Tucson, AZ 85716
(520) 747-4223
#4
State Farm
State Farm
Features
  • Home inventory tools
  • Combine policies to save
  • Save with bundled coverage
  • Available in Tucson
Read More
Location
3125 E 2nd St.
Tucson, AZ 85716
(520) 745-2800
#5
Pacific International Insurance
Pacific International Insurance
Features
  • Personalized services
  • Independent agency
  • Direct, fast home insurance quotes
  • Locally based in Tucson
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Location
2193 N. Camino Principal, Ste. 105
Tucson, AZ 85715
(520) 886-3066
#6
Mooney Insurance
Mooney Insurance
Features
  • Discounts for bundling policies
  • Access to more than 100 companies
  • Local staff with industry expertise
  • Serving Tucson since 1995
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Location
10501 E. Seven Generations Way, Ste. 103
Tucson, AZ 85747
(520) 751-0502
Allstate
Allstate
Features
  • M-F: 8:30am - 5:30pm
  • Closed Sat and Sun
  • allstate.com/home-insurance.aspx
Location
1660 E. River Rd., Ste. 150
Tucson, AZ 85718
(520) 299-5810
Frontier Insurance Concepts
Frontier Insurance Concepts
Features
  • M-F: 9am - 4:30pm
  • Closed Sat and Sun
  • frontieragents.com
Location
7470 N. La Cholla Blvd.
Tucson, AZ 85741
(520) 818-2300
Nova Insurance Services
Nova Insurance Services
Features
  • M-F: 8am - 5pm
  • Closed Sat and Sun
  • insuredbynova.com
Location
1630 E. River Rd., Ste. 120
Tucson, AZ 85718
(520) 618-1441
RightSure Insurance Group
RightSure Insurance Group
Features
  • M-F: 8am - 5pm
  • Closed Sat and Sun
  • rightsure.com
Location
5151 E. Broadway Blvd., Ste. 120
Tucson, AZ 85711
(520) 917-5295
Mike Pierce Insurance
Mike Pierce Insurance
Features
  • M-F: 9am - 5:30pm
  • Sat: 9am - 1pm
  • Closed Sun
  • mikepierceinsurance.com
Location
3618 N. Oracle Rd.
Tucson, AZ 85705
(520) 888-8888
Shaner Insurance Group
Shaner Insurance Group
Features
  • M-F: 9am - 5pm
  • Closed Sat and Sun
  • shanergroup.com
Location
3275 W. Ina Rd., Ste. 165
Tucson, AZ 85741
(520) 333-6224

How to choose homeowners insurance in Tucson

Tucson skyline

Homeowners insurance in Tucson guards against financial loss after damage to your home or personal property. It also applies when you are found legally responsible for a home-related accident that injures someone or damages their property.

Purchasing homeowners insurance is a smart, if not legally required, decision for homeowners. If you have a mortgage, the lender will require you to buy a policy.

Homeowners insurance in Tucson has several basic coverages: property, contents, personal liability, additional living expenses and medical payments.

Type of coverage What it covers
Property Damage to your home caused by perils including fire, lightning, wind or hail; a deductible applies
Contents Personal belongings in your home; a deductible applies
Personal liability Claim or lawsuit after injury or property damage to others for which you are found legally responsible
Additional living expenses Living expenses in case your home is uninhabitable after a covered event
Medical payments Medical expenses for someone accidentally injured on the property

Each coverage limits how much the insurance company will pay out. When purchasing a policy, think carefully about the replacement value of your home and how much you can financially afford to lose.

How much is homeowners insurance in Tucson?

Arizona has among the least expensive homeowners insurance premiums in the U.S. Policyholders spend, on average, between $1,000 and $1,200 per year. The exact amount depends on the home’s age and construction materials, claims history, proximity to a fire station, the owner’s credit history and other factors.

Where you live in Tucson affects premiums as well. Areas that are closer to downtown Tucson generally have higher rates. Homeowners who live in Tucson’s suburbs like Oro Valley and Sahuarita pay less.

Average home insurance rates in Tucson

Area Dwelling $200,000 Dwelling $400,000 Dwelling $600,000
Civano (85747) $660 $1,075 $1,490
Eastside (85748) $705 $1,149 $1,601
Sam Hughes (85716) $776 $1,268 $1,770
Downtown (85701) $772 $1,259 $1,746
Desert Palms Park (85715) $738 $1,204 $1,672
Catalina Foothills (85718) $713 $1,162 $1,616
Sahuarita (85629) $672 $1,093 $1,519
Oro Valley (85737) $660 $1,073 $1,488
Note: Based on dwelling coverage above with a constant $1,000 deductible and $100,000 liability.

Get quotes from different providers, and ask them to include all available discounts. Most companies offer savings if you are moving into a new home, have a monitored security system and smoke detectors, bundle policies or pay for a full year’s coverage in advance.

Before deciding on a policy, read through it carefully. Most contracts in Tucson are “all risk,” naming just exclusions from coverage, but some may only name the perils that are covered. Be aware that floods are not a covered event. Talk to the insurance company about adding on flood insurance, either from your provider or through the federal National Flood Insurance Program.

Progressive

Progressive

Progressive is the only insurer that lets customers compare home insurance rates and coverages from multiple companies side by side. Customers can go online to get a quote, see answers to FAQs and view the multiple discounts the company offers. Advice is available over the phone from knowledgeable representatives. Reviewers feel confident with coverage from Progressive and recommend the company to others.

GEICO

GEICO

GEICO is a national insurer providing affordable coverage and peace of mind for homeowners. Customers can start the quote process online or call an agent any day of the week. Discounts are available for purchasing multiple policies and having a home security system or smoke alarms. According to reviews, policyholders are satisfied with the affordability of coverage.

State Farm

State Farm

State Farm insures more homes than any other company in the U.S. Customers can go online for a quote and get access to State Farm’s tips and resources for homeowners insurance. Discounts are available for purchasing multiple policies, having alarms or using impact-resistant roofing products. Reviewers in Tucson say local State Farm agents offer personalized service and explain coverage options well.

Pacific International Insurance

Pacific International Insurance

Pacific International Insurance is a trusted, independent agency in Tucson searching top companies to find customers the best protection and savings on homeowners insurance. Customers can start the quote process online, and a representative will reach out with more information. Tucson reviewers note the company’s attention to detail, customer service and professionalism.

Mooney Insurance

Mooney Insurance

Locally owned and operated, Mooney Insurance is a full-service independent agency with over 20 years of experience in Tucson. This company works with more than 100 insurance companies to help customers secure the protection they need at the most competitive rates. A variety of discounts are available. Tucson residents say staff are beyond helpful and premiums are low.

Our partners independently research and analyze the companies mentioned in our guides and work with subject matter experts to add valuable information that helps consumers make smart purchase decisions. Our partners will not include companies on these guides that do not meet specific quality standards. The compensation we receive from our partners may impact how and where companies appear on our site, including the order in which they appear.

Our partners independently research companies, and use editorial discretion to award companies with special recognition (i.e. Best Value) based on their staff’s judgement or subject matter expert’s judgement. Our partners do this to help you identify companies that will meet your specific buying needs, and do not receive compensation for these designations.