Arizona surprises people. There is no coastline and no hurricane season, and homeowners here still pay well above the national average — and have watched premiums climb faster over the last three years than almost anywhere in the country.
The average Arizona homeowners premium now runs around $3,415 a year against a national average of roughly $2,490. More telling than the level is the slope: the Consumer Federation of America found Arizona homeowners absorbed a 48 percent increase over three years, more than $700 per household.
Two perils drive it. Monsoon-season hail and straight-line wind produce a high frequency of moderate roof and vehicle losses, and wildfire in the wildland-urban interface north and east of the metro areas is increasingly what decides whether a carrier will write at all rather than simply what it charges. Construction cost inflation sits underneath both, because it raises the price of every claim.
Arizona is also one of the states with no FAIR Plan. That matters more than it sounds: in California or Florida there is a last-resort mechanism to fall back on, and here there is not. If the admitted market declines a property, the fallback is the surplus lines market, which is less regulated on both price and form.
Market conditions as of September 2026.
Arizona does not operate a FAIR Plan or equivalent insurer of last resort. There is no state-backed fallback here.
If the admitted market will not write your property, the alternative is surplus lines — non-admitted carriers that are not bound by the same rate and form regulation, and are not backed by the state guaranty fund. Surplus lines is a legitimate answer to a hard risk, but the coverage terms vary far more than an admitted policy and are worth reading closely rather than assuming.
Send us the declarations page you have now. Carriers move in and out of a state without telling the people already in it, so what was the best available policy two years ago often is not today.
Send your policyPersonal and commercial lines, shopped across the carriers appointed where you are. If you hold more than one of these, there is usually something to find in how they fit together.
Send us your declarations page and we will tell you what you actually have, what it would pay, and whether anything worth changing has changed in this market.
Independent insurance guidance for your home, your business, and your life across state lines.