Tucson ,AZ Home Insurance - The cost of homeowners insurance is influenced by a range of factors, including the value of your coverage, deductible, and the construction materials used in your home.
VHome Insurance conducted a thorough analysis of the Tucson, AZ homeowners insurance market, taking into account factors like average costs, range of coverages, deductibles and customer satisfaction ratings to determine the best providers. The Average home insurance cost in Tucson, AZ is $1627. Enter your zipcode below and click “GO” to get multiple free quotes.
It is important to understand the different coverage options available in Tucson, AZ. VHome Insurance will help you navigate the world of homeowners insurance coverages in Tucson, AZ.
| Coverage Level | Average Annual Premium |
|---|---|
| $100,000 | $651 |
| $200,000 | $1,106 |
| $300,000 | $1,367 |
| $400,000 | $2,083 |
| $500,000 | $2,619 |
Home insurance costs in Tucson can vary greatly based on location. The frequency of claims in your area can affect the cost of your policy. Simply put, the location of your home can significantly impact your homeowners insurance premium.
| Zipcode | Average Insurance Premium |
|---|---|
| 085736 | $1,473 |
| 85714 | $1,489 |
| 85706 | $1,477 |
| 85705 | $1,461 |
| 85718 | $1,740 |
| 85750 | $1,661 |
| 85749 | $1,667 |
| 85739 | $1,592 |
| 85715 | $1,559 |
| 85748 | $1,559 |
| 85701 | $1,609 |
| 85743 | $1,555 |
| 85745 | $1,553 |
| 85719 | $1,553 |
| 85747 | $1,556 |
| 85742 | $1,553 |
| 85716 | $1,540 |
| 85741 | $1,528 |
| 85711 | $1,516 |
| 85710 | $1,518 |
| 85712 | $1,518 |
| 85730 | $1,505 |
| 85746 | $1,504 |
| 85735 | $1,499 |
| 85713 | $1,481 |
One key aspect of your policy is the deductible, which is the amount you pay out of pocket before your insurance kicks in. Choosing the right deductible can have a major impact on your insurance premiums and overall savings. In this guide, we'll help you understand the options available for homeowners insurance deductibles in Tucson, AZ, and how to choose the right one for your needs.
| Deductible Level | Average Annual Premium |
|---|---|
| $500 Deductible | $1,668 |
| $1000 Deductible | $1,492 |
| $1500 Deductible | $1,407 |
| $2500 Deductible | $1,269 |
| $5000 Deductible | $1,074 |
| Home Insurance Company Near Tucson, AZ | Homeowners Insurance Agency Near Tucson, AZ | Address |
|---|---|---|
| Allstate | Armando Rubio | 645 E Speedway Blvd, Tucson, AZ, 85705 |
| Travelers | Bdrs Ins Services Pllc | 7229 N THORNYDALE RD STE 121, TUCSON, AZ, 85741 |
| State Farm | Debbie Oconnell | 10420 N La Canada Dr Ste 130, Oro Valley, AZ, 85737-7025 |
| Farmers | Frank Martinez | 6340 N Campbell Ave Ste 140, Tucson, AZ, 85718 |
| State Farm | Tim Hill Clu | 727 N Swan Rd, Tucson, AZ, 85711 |
| Place | 1 Car Bundle Savings On Insurance | 2 Car Bundle Savings On Insurance | 3 Car Bundle Savings On Insurance |
|---|---|---|---|
| Rincon Valley CDP, Arizona | $84 | $111 | $167 |
| Littletown CDP, Arizona | $75 | $99 | $149 |
| Tanque Verde CDP, Arizona | $85 | $113 | $170 |
| Place | Home insurance as a % of housing cost for homes with mortgage | Home insurance as a % of housing cost for homes without mortgage |
|---|---|---|
| Tucson, AZ | 3.6% | 12.4% |
| Rincon Valley | 2.44% | 10.26% |
| Tanque Verde | 2.74% | 9.84% |
| Vail | 2.97% | 12.56% |
| Tucson Home By Monthly Rent | Total Homes | % of Total | Estimated Monthly Income To Afford Rented House Including Renters Insurance |
|---|---|---|---|
| Less than $200 | 1,612 | 1.0% | $352 |
| $200 to $299 | 1,985 | 1.0% | $802 |
| $300 to $499 | 12,108 | 9.0% | $1252 |
| $500 to $749 | 43,145 | 34.0% | $1927 |
| $750 to $999 | 31,437 | 25.0% | $2677 |
| $1,000 to $1,499 | 26,842 | 21.0% | $3802 |
| $1,500 or more | 8,109 | 6.0% | $5452 |
| Streets in Tucson Area | Homeowners Insurance Cost |
|---|---|
| W Box R St, W Dimming Star Dr, E Langtree Ln, N Sierra Chapita, N Rio Cancion Dr, E Palms Park Dr, N Giaconda Way, E Cll Alegria, W Alto Cielo, W Root Ln | $619 |
| N Cll de Beso, E Pla el Centeno, Flowering Cactus Ct, N Little Oak Ln, Side Winder, S Linnet Ave, N Indian Horse Trl, E Tearney Dr, N Ahwatukee Way, W Calabria Ct | $678 |
| W Sagebrush Hills Ct, W Starfall Pl, S Carver Ln, N Millard Dr, W Idle Hour Pl, Sutherland Trl, N Tuttle Ave, N Scenic Mountain Dr, S Mendham Sv, Ave Sosegado | $618 |
| E Brown Way, N Cam Arturo, Chelsie Kaye Ln, Via Molino, S Vail Creek Pl, Grady Ave, N Sykes Knob Rd, N Star Grass Dr, E Mabel Pl, E Bantam Rd | $590 |
| W Cam de la Amapola, W Echo Crossing Rd, W Lazy Heart St, W Autumn Breeze Dr, N Essel Dr, W Milbrae Springs Dr, N Gentle Rain Dr, W Belmont Rd, N Bayshore Dr, N Sardis Way | $666 |
| E Nesher Rd, W San Paulus Rd, S Apple Tree Ave, W Kelso St, E Croyden St, S High Creek Way, Lake Dr, S Pla Aldaco, N Rio Vista Dr, E Freestone Dr | $604 |
| W Wanda Vista Pl, E Gazania Ln, W Laguna St, S Ravens Roost Ct, N Benton Ave, W Homecoming Way, W Regulation Pl, N Prescott Pl, S Philamena Pl, N Saffron Rd | $674 |
| Binghampton, W Pla Sanchez, N Painted Feather Dr, S Kelvin Stra, S Logan Ave, W McElroy Dr, W Tortolita Vista Ln, N Newhill St, E Lakeside Pw, E Pompeii Cir | $677 |
| E Smoot Dr, W Felicia Pl, N Magnolia Ave, E Cll Luna, W Kimberley Pl, N Walnut Ave, N Ironwood Reserve Ct, N Mc Carty Rd, N Tarzana Dr, E Wooden Bucket St | $678 |
| Edwin Rd, S Manta Ray Rd, W Birdman Dr, S Fairway Groves Pl, Marble Ridge Dr, N Acuna Ave, N Coachline Rd, E Moonstone Dr, E Watering Hole Pl, S Chinese Lanterns Dr | $625 |
| Place | Savings For Senior Occupied Homes |
|---|---|
| Tucson | $93 to $95 |
| Rincon Valley | $100 |
| Littletown | $89 |
| Tanque Verde | $102 |
| Home value ($) | Construction type | Coverage | Company | Average homeowners insurance premium ($) | ||
|---|---|---|---|---|---|---|
| Other structure coverage ($) | Contents coverage ($) | Additional living expenses coverage ($) | ||||
| 300,000 | Masonry | 30,000 | 225,000 | 60,000 | Aca Ic | 459 |
| 100,000 | Frame | 10,000 | 75,000 | 20,000 | Allstate Vehicle & Property Ic | 457 |
| 100,000 | Masonry | 10,000 | 75,000 | 20,000 | American Commerce Ic | 292 |
| 100,000 | Masonry | 10,000 | 75,000 | 20,000 | Country Mutual Ic | 478 |
| 100,000 | Frame | 10,000 | 75,000 | 20,000 | Empire Fire & Marine Ic | 401 |
| 300,000 | Frame | 30,000 | 225,000 | 60,000 | Farm Bureau P&C Ic | 1,133 |
| 100,000 | Frame | 10,000 | 75,000 | 20,000 | First American P&C Ic | 339 |
| 500,000 | Masonry | 50,000 | 375,000 | 100,000 | Merastar Ic | 1,254 |
| 500,000 | Frame | 50,000 | 375,000 | 100,000 | Pekin Ic | 788 |
| 100,000 | Frame | 10,000 | 75,000 | 20,000 | United Services Automobile Assoc | 315 |
| Low Deductible | High Deductible | |
|---|---|---|
| Deductible | $1,600 | $2,600 |
| Yearly Tucson Homeowner Insurance Premium Example | $1,100 | $900 |
| Out of Pocket Expense During Claim | $1,600 | $2,600 |
| Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim | $10,400 | $9,800 |
| Net Savings to Tucson Home Owner from High Deductible Plan | $600 | |
| Scenario | Tucson, AZ Home Replacement Value MORE than Home Value | Tucson, AZ Home Replacement Value LESS than Home Value |
|---|---|---|
| Replacement Value | $413,500 | $279,500 |
| Insurance Premium based on Replacement Value | $1,150 | $775 |
| Risk Exposure from Under Insuring Coverage | Unnecessary Home Insurance Coverage of $93,000 | Risk Exposure from Under Insuring Coverage is $41,000 |
| Premium Impact | Insurance cheaper by $100/year | Insurance costlier by $275/year |
| Insurance Company | Nationwide Insurance | Amica Mutual Insurance Company | Chubb Group of Insurance |
| Monthly Premium | 50 | 102 | 50 |
| Year Built | 1981 | 2001 | 1966 |
| Home Details | 3 Beds, 1 Baths | 5 Beds, 2 Baths | 2 Beds, 1 Baths |
| Coverage Amount | $200000-$250000 | $500000-$600000 | $200000-$250000 |
| Deductible | $500 Deductible | $2500-$5000 Deductible | $500 Deductible |