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Think Arizona is all desert? Not if you live there, you don’t. From the Sonoran oasis of Tucson to the pine forests of Flagstaff, Arizona provides a wealth of diverse living experiences. However, many different experiences can mean many different hazards. No matter where you've chosen to settle down in the Copper State, it's important to protect your home.

Nationwide offers flexible, reliable home insurance plans tailored to fit your unique needs. Start your Arizona home insurance quote today. You may even qualify for one or more of our Arizona home insurance discounts.

Arizona homeowners coverages and discounts

Homeowners insurance can protect your home against theft, fire, lawsuits, weather damage and other covered losses.

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Repair or replace your covered possessions, regardless of age or condition.

Get Brand New Belongings®

Making your policy more affordable.

See how you can save

Bundle your insurance policies and save money

Do you have a variety of things to protect? You could be turning that into savings. Bundling your home and auto policies with Nationwide can save you up to 20 percent on your coverage. That's more money for a ski trip to Humphrey's Peak, a weekend in Red Rock State Park, or just a little cushion for the AC bill. You can also bundle other coverages such as boat and auto, multicar, and auto, home, and life insurance. Get all the coverage you need in one place and save more of your money for enjoying everything Arizona has to offer.

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What factors go into determining a homeowners insurance rate?

While the average cost of homeowners insurance varies based on a number of components, these are common factors that insurance companies use to assess risk and determine your rate:


Location includes the state, ZIP code, and claims history of the area.


The materials that were used to build the house. If a custom home is being built additional coverage may be required to cover the construction site.

Age of the house

How new or old the house is, and the upgrades that were made to an older home.

Replacement cost

The replacement cost is the cost of fully rebuilding the same house. This is typically assessed by an appraiser.

Swimming pool

Owning a swimming pool may increase your liability coverage to cover possible injuries.

Home-based business

If you a run a business out of your home your premium may increase to cover the inventory, equipment, and supplies.


The type of coverage you choose and how much personal property and liability protection you want your home insurance policy to cover.

Find Nationwide Insurance near you in Arizona

Save up to 20% when you bundle home and car insurance with Nationwide.

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Get a free, customized homeowners insurance quote online.

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Give us a call to get your free homeowners insurance quote.

Call 1-888-869-5727

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Find a Nationwide Insurance agent near you in Arizona.

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Free homeowners insurance review

A Nationwide On Your Side® Review is a free, annual consultation and insurance assessment that can help you:
  • Increase or decrease your deductible(s)
  • Determine the home insurance coverage options that are right for your budget and situation. For instance, did you recently build a garage or gazebo you need covered? Have you installed a protective device that could qualify you for a discount? The On Your Side® Review is a great time to make these types of updates to your policy.
  • Review our responsive home insurance claim policy
Call Nationwide at 1-877-On-Your-Side and get your Arizona homeowners insurance quote today.

Nationwide coverage in Arizona

[1] Water Backup is an optional feature. Exclusions and limits apply. Details vary by state and policy language. Please consult your policy for the specifics of your selected coverages.

Insurance terms, definitions and explanations are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in individual insurance contracts, policies or declaration pages, which are controlling. Such terms and availability may vary by state and exclusions may apply.