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Hello, fellow Scottsdale residents! Isn't it wonderful to call this vibrant city home? Let's celebrate some of the top reasons why living here is such a joy. First, our beautiful weather allows us to enjoy outdoor activities year-round, from hiking in the McDowell Sonoran Preserve to golfing at world-class courses. Second, Scottsdale's thriving arts scene, with numerous galleries and the renowned Scottsdale Museum of Contemporary Art, keeps us culturally enriched. Third, our city's commitment to wellness is evident in the abundance of spas, fitness centers, and health-focused restaurants. Lastly, the strong sense of community fostered through local events and friendly neighborhoods makes Scottsdale feel like a true home. We're lucky to be part of such an amazing place!


 

Why is Scottsdale Homeowner's Insurance Expensive?

Have you ever wondered why home insurance in Scottsdale, Arizona, is so pricey? It's quite intriguing to consider the factors at play. Could it be the luxurious properties that dot the landscape, or perhaps the unique risks associated with desert living? Interestingly, recent weather events have also played a significant role in driving up insurance costs. For instance, the severe monsoon storms in 2021 caused extensive flooding and property damage, while the record-breaking heatwave in 2020 led to an increase in air conditioning-related claims. These events have undoubtedly influenced insurance rates, but one can't help but ponder: are there other hidden factors contributing to the high premiums? As homeowners search for the Best Arizona Home Insurance Companies, it's crucial to understand these complex dynamics shaping the local insurance market.


 

How Much is Homeowners Insurance in Scottsdale?

Homeowners in Scottsdale pay an average of $2256 per year, or $188 a month, for a homeowners insurance policy with $300,000 in dwelling coverage. This makes home insurance in Scottsdale roughly 0% less expensive than the Arizona average of $2257 per year. And Scottsdale insurance is about 1% the national average of $2270. It pays to shop and compare Scottsdale home insurance rates.


 

The Cheapest Homeowner Insurance Rates for Scottsdale, Arizona

Provider Annual Insurance Rate
Allstate $2457
American Family $1452
Armed Forces Insurance $902
Auto-Owners Insurance $1584
Chubb $1653
Country Financial $4687
Farm Bureau Insurance $1906
Farmers $2450
Farmers $2184
Nationwide $1661
Progressive $2107
State Farm $1720
Travelers $5728
USAA $1090

Featured Homeowners Insurance Providers

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State Farm

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Allstate

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Progressive

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Travelers

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