Arizona
Landlord insurance in Arizona
Costs, coverage, and local rental data for Arizona property owners. A quote is not a binder.
Arizona has about 931,983 renter-occupied homes, 33% of all occupied housing. The median owner-occupied home is valued at $394,500 and median gross rent is $1,543 a month (ACS 2020–2024). This page covers what landlord insurance costs in Arizona, what moves a quote, and local pages for the largest rental markets.
What landlord insurance costs in Arizona
The NAIC's average dwelling-fire premium in Arizona was $636 in 2023, which ranks 6 of the ten states we serve (highest first). The Arizona HO-3 homeowners average was $1,194. Dwelling-fire figures mix basic and broad forms and are collected for owner-occupied one-family homes, so use them as background rather than a quote.
| Amount of dwelling insurance | Arizona average dwelling-fire premium (2023) |
|---|---|
| Under $150,000 | $549 |
| $150,000–$199,999 | $694 |
| $200,000–$224,999 | $604 |
| $225,000–$249,999 | $593 |
| $250,000–$274,999 | $592 |
| $275,000–$299,999 | $565 |
| $300,000–$324,999 | $580 |
| $325,000–$349,999 | $581 |
| $350,000–$399,999 | $612 |
| $400,000–$449,999 | $705 |
| $450,000–$499,999 | $947 |
| $500,000–$599,999 | $813 |
| $600,000–$699,999 | $806 |
| $700,000–$999,999 | $1,413 |
| $1,000,000 and over | $633 |
| All amounts (state average) | $636 |
Source: NAIC, Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owner’s Insurance Report: Data for 2023, Table 4 (published 2026). View the report (PDF). Consumer resources: Arizona Department of Insurance and Financial Institutions.
What moves your landlord quote in Arizona
- Weather exposure: monsoon wind and dust storms; extreme heat and cooling-system strain; flash flooding in washes, which needs separate flood coverage; wildfire in higher-elevation communities.
- Rebuild cost: NAIC averages above climb consistently with the amount of insurance.
- Building age and systems: the median Arizona home was built in 1992; roof, wiring, plumbing, and heating updates matter.
- Building type: 5% of Arizona homes are in 2–4 unit buildings and 69% are single-family.
- Occupancy: long-term, short-term, student, or vacant.
- Policy choices: DP-1 vs. DP-3, liability limit, loss of rents, deductible, and any wind or hail deductible.
- Claims history on the property and for the owner.
Largest Arizona rental markets
- Phoenix 43% renters · median value $420,700
- Tucson 48% renters · median value $266,200
- Mesa 36% renters · median value $408,000
- Chandler 35% renters · median value $507,800
- Gilbert 27% renters · median value $575,100
- Glendale 43% renters · median value $387,500
- Scottsdale 33% renters · median value $789,800
- Peoria 24% renters · median value $463,600
- Tempe 58% renters · median value $455,400
- Surprise 21% renters · median value $435,100
- Goodyear 22% renters · median value $471,300
- Buckeye 14% renters · median value $419,800
- Yuma 33% renters · median value $230,000
- Avondale 38% renters · median value $394,600
- Flagstaff 58% renters · median value $552,900
- Queen Creek 10% renters · median value $635,400
- Maricopa 16% renters · median value $377,200
- Casa Grande 27% renters · median value $303,900
- Lake Havasu City 27% renters · median value $455,400
- Marana 16% renters · median value $413,800
- Prescott Valley 28% renters · median value $413,200
- Oro Valley 24% renters · median value $475,700
- Prescott 32% renters · median value $564,100
- Sierra Vista 38% renters · median value $254,200
- Bullhead City 30% renters · median value $211,500
Coverage guides for Arizona landlords
- Rental property insurance
- Dwelling fire policy (DP-1/2/3)
- Landlord vs. homeowners insurance
- Landlord insurance cost by state
- Duplex & fourplex landlord insurance
Other Arizona communities we serve
We accept quote requests for rentals anywhere in Arizona, including these communities, grouped by county.
Apache County: Eagar, Springerville, St. Johns
Cochise County: Benson, Bisbee, Douglas, Huachuca City, Tombstone, Willcox
Coconino County: Fredonia, Page, Tusayan, Williams
Gila County: Globe, Hayden, Miami, Payson, Star Valley, Winkelman
Graham County: Pima, Safford, Thatcher
Greenlee County: Clifton, Duncan
La Paz County: Parker, Quartzsite
Maricopa County: Carefree, Cave Creek, El Mirage, Fountain Hills, Gila Bend, Guadalupe, Litchfield Park, Paradise Valley, Tolleson, Wickenburg, Youngtown
Mohave County: Colorado City, Kingman
Navajo County: Holbrook, Pinetop-Lakeside, Show Low, Snowflake, Taylor, Winslow
Pima County: Sahuarita, South Tucson
Pinal County: Apache Junction, Coolidge, Eloy, Florence, Kearny, Mammoth, Superior
Santa Cruz County: Nogales, Patagonia
Yavapai County: Camp Verde, Chino Valley, Clarkdale, Cottonwood, Dewey-Humboldt, Jerome, Sedona
Yuma County: San Luis, Somerton, Wellton
Arizona landlord insurance FAQ
Is landlord insurance required in Arizona?
No Arizona statute requires landlords to insure a rental, but mortgage lenders typically require property coverage and many leases and associations require liability coverage.
What does landlord insurance cost in Arizona?
The NAIC reported a 2023 Arizona average dwelling-fire premium of $636, compared with $1,194 for HO-3 homeowners policies. Averages rise with the amount of insurance, as shown in the table above. Your quote depends on the building, location, coverage, and deductible.
Who regulates insurance in Arizona?
The Arizona Department of Insurance and Financial Institutions licenses insurers and agents and publishes consumer guides and complaint tools.
Does a Arizona landlord policy cover flood?
No. Standard dwelling forms exclude flood from surface water. Flood coverage is purchased separately, for example through the National Flood Insurance Program or a private flood policy.
Sources
- NAIC, Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owner’s Insurance Report: Data for 2023, Table 4 (published 2026)
- U.S. Census Bureau, American Community Survey 2020–2024 5-year estimates (tables B25003, B25077, B25064, B25035, B25024), retrieved via Census Reporter
- U.S. Census Bureau, Vintage 2024 population estimates
- FEMA National Risk Index
- Arizona Department of Insurance and Financial Institutions
Request a Arizona landlord quote
Last updated October 15, 2026. Sources and method: how we research.