Homeowner Insurance Costs in Maricopa County, AZ

How much does homeowner insurance cost in Maricopa County? Here's what to expect.

Est. Annual Premium

$2,043

Monthly Cost

$170

Median Home Value

$371,400

% of Income

2.5%

Typical Coverage Breakdown

Coverage Amounts

Dwelling (Coverage A)$371,400
Personal Property (C)$185,700
Liability (E)$300,000
Deductible$3,714

Cost Context

Homeownership Rate64.3%
Median Income$80,675
Property Tax Rate0.5%
Population4,430,871

About Insurance in Maricopa County

Homeowner insurance in Maricopa County, Arizona costs an estimated $2,043 per year for a median-value home of $371,400. This represents approximately 2.5% of the median household income of $80,675.

Actual premiums depend on your home's age, construction type, claims history, credit score, proximity to fire stations, and specific peril exposures. Use our calculator for a personalized total cost of risk analysis with peril-by-peril breakdown.

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Other Counties in Arizona

County-level data from U.S. Census Bureau American Community Survey (ACS) 2022 5-Year Estimates. Additional sources: Insurance Information Institute, state insurance departments. Estimates are county-level approximations. This is not insurance advice.