Finding the right home insurance company in Scottsdale, AZ can feel overwhelming with so many options to choose from To make your search easier, I reviewed and ranked the top 10 home insurance companies in Scottsdale based on cost, financial strength, customer satisfaction, coverage options and more
How I Selected the Top Home Insurance Companies in Scottsdale
To compile this list I analyzed data on 20+ leading home insurance providers in Scottsdale and narrowed it down to the top 10 based on several factors
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Average Annual Premium: I looked at the average cost of a standard policy with $300,000 in dwelling coverage, comparing rates by company. Lower premiums received higher scores.
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Financial Strength: Companies with strong financial ratings from AM Best indicate long-term financial stability to pay claims, even after major disasters.
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Customer Satisfaction I considered home insurance customer satisfaction scores compiled by JD. Power & Associates. Companies that received high marks for customer service ranked higher
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Coverage Options: The companies on this list provide options like replacement cost coverage, additional living expenses, water backup coverage, and more. More robust coverage offerings received higher scores.
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Availability: I favored companies that provide insurance throughout Scottsdale and the state of Arizona.
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Discounts: Companies that offer more ways to save through bundling policies, securing your home, being claims-free, and more ranked higher.
Based on these criteria, these home insurance companies came out on top in Scottsdale.
10 Best Home Insurance Companies in Scottsdale
1. State Farm
With affordable premiums and a strong mix of standard coverages and optional add-ons, State Farm secured the #1 spot.
Average Annual Premium: $1,405
Financial Strength Rating: A++ (“Superior”)
Customer Satisfaction: 4/5 stars
Coverage Highlights:
- Replacement cost and extended replacement cost available
- Personal liability up to $300,000
- Identity theft protection
- Equipment breakdown protection
Notable Discounts and Features:
- Multi-policy discounts up to 25%
- New roof discount
- Claim-free discounts
- Mobile app
2. American Family
Backed by 95 years of experience, American Family shines for its affordable rates, high marks for claims satisfaction, and unique coverage options.
Average Annual Premium: $1,247
Financial Strength Rating: A
Customer Satisfaction: 5/5 stars for claims
Coverage Highlights:
- Replacement cost coverage
- Sewer backup coverage
- Identity recovery coverage
- Equipment breakdown protection
Notable Discounts and Features:
- Multi-policy discount
- Claim-free discounts
- Renewal rewards up to $500
- Diminishing deductible
3. Auto-Owners
Auto-Owners scored well for strong financials, highly rated claims service, and low complaint ratios. It offers policies exclusively through local independent agents.
Average Annual Premium: $1,257
Financial Strength Rating: A++
Customer Satisfaction: 5/5 stars for claims
Coverage Highlights:
- Replacement cost, extended replacement cost, guaranteed replacement cost
- Water and sewer backup
- Equipment breakdown
Notable Discounts and Features:
- Multi-policy discounts
- Home buyer discount
- Claim-free discounts
4. Travelers
Travelers is one of the largest insurers in the U.S. and provides high liability limits and robust coverage add-ons.
Average Annual Premium: $1,350
Financial Strength Rating: A++
Customer Satisfaction: 3/5 stars
Coverage Highlights:
- Guaranteed replacement cost
- Water backup and sump discharge/overflow
- Identity fraud expense reimbursement
Notable Discounts and Features:
- Claim-free discounts
- Multi-policy discount
- Affinity group discounts
- Home tech and safety discounts
5. Nationwide
Nationwide is a household name in insurance and offers highly-rated claims services and helpful online/mobile tools.
Average Annual Premium: $1,456
Financial Strength Rating: A+
Customer Satisfaction: 4/5 stars
Coverage Highlights:
- Extended replacement cost
- Increased limits for valuables
- Water backup and sewer/drain coverage
Notable Discounts and Features:
- Multi-policy discounts
- Smart home discounts
- Claim-free discounts
- Online/mobile account management
6. Farmers
Farmers provides robust coverage options like identity theft and equipment breakdown protection. Bundling home and auto insurance can yield big savings.
Average Annual Premium: $1,523
Financial Strength Rating: A
Customer Satisfaction: 3/5 stars
Coverage Highlights:
- Extended replacement cost coverage
- Equipment breakdown protection
- Identity theft expense reimbursement
Notable Discounts and Features:
- Bundling discount up to 28%
- Multi-policy discounts
- Claim-free discounts
7. Allstate
Allstate offers comprehensive policies, great claims satisfaction scores, and nice perks for smart homes and multi-policy customers.
Average Annual Premium: $1,735
Financial Strength Rating: A+
Customer Satisfaction: 4/5 stars
Coverage Highlights:
- Replacement cost coverage
- Water backup coverage
- Identity theft coverage
Notable Discounts and Features:
- Claim-free discounts
- Multi-policy discounts
- Smart home discounts
8. Progressive
Known for auto insurance, Progressive provides very competitively priced homeowners insurance paired with handy tech features.
Average Annual Premium: $1,756
Financial Strength Rating: A+
Customer Satisfaction: 3/5 stars
Coverage Highlights:
- Extended replacement cost available
- Increased coverage for valuables
- Water backup coverage
Notable Discounts and Features:
- Multi-policy discount
- Pay-in-full discount
- Home tech discounts
- Mobile app
9. Liberty Mutual
Liberty Mutual offers broad coverage options and strong financial ratings. Bundling home and auto insurance can net big savings.
Average Annual Premium: $1,894
Financial Strength Rating: A
Customer Satisfaction: 3/5 stars
Coverage Highlights:
- Guaranteed and extended replacement cost
- Increased limits for valuables
- Equipment breakdown
Notable Discounts and Features:
- Multi-policy savings up to 15%
- Claim-free discount
- Smart home discounts
10. AAA
For AAA members, this company offers affordable rates along with highly rated claims servicing and stellar emergency roadside assistance.
Average Annual Premium: $1,948
Financial Strength Rating: A+
Customer Satisfaction: 5/5 stars for claims
Coverage Highlights:
- Guaranteed replacement cost
- Sewer, drain, and sump overflow/backup
- Water leak detection discounts
Notable Discounts and Features:
- Multi-policy discount
- Claim-free discount
- AAA membership discount
What Impacts Your Scottsdale Home Insurance Rates
While this list provides average rates, your personal premium will vary based on your specific risk factors. Key things that affect your homeowners insurance rates in Scottsdale include:
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Location: Your property’s location and ZIP code impacts risk for theft, storms, and other perils. Homes in high fire risk areas or flood zones tend to cost more to insure.
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Home details: Your home’s age, size, construction materials, and protective devices impact rates. Newer homes with security systems often qualify for lower premiums.
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Claims history: Companies reward a clean claims history with discounts. Multiple past claims can increase your costs.
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Credit score: In most states, insurers check credit and assign rates partially based on credit scores. Maintaining good credit saves money.
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Deductible: Choosing a higher deductible (like $2,500) lowers premiums but increases out-of-pocket costs when you file a claim.
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Discounts: Take advantage of discounts for bundling policies, securing your home, affiliations, and paying annually.
How to Get the Best Home Insurance Rates in Scottsdale
Here are a few tips for getting the lowest home insurance premium with the right amount of coverage:
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Compare quotes. Get rate estimates from several of my top-rated companies. Insurers weigh risk factors differently, so shopping around is key.
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Consider claimant discounts. Ask insurers about discounts for being claim-free. Some offer nice savings for going years without a claim.
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Raise your deductible. For cheaper premiums, consider raising your
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FAQ
Who is the parent company of Scottsdale Insurance Company?
How much is homeowners insurance in Scottsdale AZ?
How much is car insurance in Scottsdale?
What are the cheapest home insurance companies in Scottsdale?
Based on our analysis, Armed Forces Insurance, USAA, and American Family are the three cheapest home insurance companies in Scottsdale, with average premiums citywide ranging from $725 to $1,247 per year.
Are You paying too much for car insurance in Scottsdale?
Scottsdale ranks in the top 20 most expensive cities in Arizona for car insurance. 42% of Zebra customers in Scottsdale stated they used our product because they were paying too much for car insurance. Are you paying too much for auto insurance?
What are the cheapest car insurance companies in Scottsdale AZ?
The five cheapest car insurance companies in Scottsdale, AZ are Root ($82 per month), Auto-Owners Insurance ($93 per month), GEICO ($94 per month), State Farm ($112 per month), and Travelers ($116 per month).
How do I find the best home insurance in Scottsdale AZ?
Compare Progressive, Allstate, Liberty Mutual and Nationwide (+ other top companies) to find the best home insurance in Scottsdale, Arizona. No junk mail. No spam calls. Free quotes. The Zebra partners with some of the companies we write about. However, our content is written and reviewed by an independent team of editors and licensed agents.