ARIZONA HOMEOWNERS INSURANCE

You might not live exactly like your parents. Why should you insure your home in the exact same manner? With a Farmers FlexSM Personal Home policy, choose quality coverage for your lifestyle today, with new opportunities to help you save.

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Home Insurance Coverage Options in Arizona

The new Farmers FlexSM Personal Home policy in Arizona gives you three highly customizable packages as a starting point:

  • Standard - Basic coverage for an affordable price.
  • Enhanced - Provides higher coverage limits and additional available features.
  • Premier – Coverage with higher coverage limits and the broadest choice of available features.

Farmers® Perks

When you purchase a policy with Farmers, you're not just getting insurance backed by almost a century of experience. You can also get other benefits and savings, such as:

Declining Deductibles®
Earn $50 toward your Home deductible each year your home policy remains in force.

Multi-Policy Discount
Save by purchasing Home, Auto, and select other policies with Farmers.

Claim Forgiveness
You’re a responsible homeowner. Don’t let one claim ruin a spotless record. Claim Forgiveness  can prevent a premium increase for a single claim when you’ve been claim free with Farmers for five years.

Optional Coverages

Within each Farmers Flex customizable package, you have the flexibility to adjust coverage types, add additional coverage options, and choose policy limits so that your home can have the coverage you want in the unfortunate event of a covered loss.

Guaranteed Replacement Cost
Don’t worry about escalating construction costs – for covered losses, we’ll guarantee coverage for the full cost to rebuild your home, even if it exceeds your policy limits.

FORTIFIED RoofTM Upgrade
As climate change makes weather events more frequent and more severe, you can choose coverage so your roof can be rebuilt to enhanced standards to help resist severe storms.

Water Backup and Sump Overflow
This additional option can provide coverage for water damage caused by water backing up through drains and sumps.

Cyber and Identity Shield
Coverage for many forms of identity theft and cyberattacks, and monitoring services to help you prevent them from happening.

Emergency Mortgage Assistance
If your home is uninhabitable after a covered loss, the last thing you want to worry about is keeping up the mortgage while dealing with an emergency. The policy can provide three months of mortgage payments, up to $10,000, while your home is uninhabitable when you rebuild.

Side Hustles & Home Businesses
If your house is more than just your home, get coverage for your home business, too.

Home Sharing
Coverage for rental of part or all of your home through a home sharing business.

Arizona home insurance discounts

Farmers FlexSM Personal Home also offers a variety of savings opportunities for our eligible home insurance customers in Arizona.
For example:

  • Welcome Discount
  • Home Buyer Discount
  • Multi-Policy Discount
  • Theft Protection Discount
  • Loyalty Discount
  • Claims Free Discount
  • Fire Protection Discount
  • Water Protection Discount

See a list of additional potential home insurance discounts. Not all listed discounts are available in Arizona.

This information provides only a general description of coverages and potential discounts. Not all products, coverages, and discounts are available in every state and can vary by state. Discounts, availability, and eligibility requirements can vary by state. Coverages and discounts are subject to the terms, limits, provisions, exclusions, restrictions, and conditions in the policy including applicable endorsements. Contact Farmers for details and additional information.

View more coverage options in Arizona

Auto insurance

Find out minimum state requirements for auto insurance in Arizona, available discounts and more.

View car insurance details and discounts for Arizona


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