Landlord Insurance in Arizona: Costs, Requirements & Best Providers
Insuring a rental in Arizona costs more than the national average. The homeowners benchmark is $3,415 a year, and landlord policies typically run 15-25% higher. Monsoon storms, hail in the Phoenix metro and wildfire up north drive the price, while flash floods sit outside the policy entirely. Get a landlord insurance quote for your address, and check the roof questions and wind/hail deductible before you sign.
By LandlordTested editorial teamPrices checked
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What landlords pay in Arizona
- Homeowners benchmark
- $3,415 a yearAbout $285 a month; 37% above the $2,490 national average.
- Estimated landlord policy
- $3,950-$4,250 a yearLandlord (DP-3) cover typically runs 15-25% above homeowners cover on the same building. Your quote will differ.
- Main hazards
- Extreme heat, Wildfire, Monsoon wind/hail, Flash flood, Dust storm
- Not included
- Flood and earthquakeBoth need separate policies (NFIP or private flood; earthquake endorsement or policy).
Source: NerdWallet, 2026 homeowners (HO-3) median, $400,000 dwelling cover
Landlord insurance providers in Arizona
Both write landlord policies in all 50 states and quote online. Neither publishes prices, so the only way to know your premium is to get a quote for your address.
- 1
Steadily
Our pickSingle-family and 2-4 unit rentals, including vacant and short-term.
8.5/10 provisionalPrice
Quote-based
Pros, cons and who should skip itHide details
Good
- Covers all 50 states.
- Fast online quotes.
- Writes vacant and renovation properties too.
Watch out
- Mixed claim experiences, including wear-and-tear denials.
- Underwritten through a carrier some lenders have queried.
- Flood needs a separate policy.
Skip it if
Anyone who wants a local agent sitting across the desk.
- 2
Obie
Investors with several properties; portfolio policies available.
8.1/10 provisionalPrice
Quote-based
Pros, cons and who should skip itHide details
Good
- All 50 states plus DC.
- Portfolio (blanket) policies for several rentals.
- Covers short-term rentals and renovations.
Watch out
- Claims run through third-party administrators.
- Some reports of non-renewal after claims.
- Support is mostly email.
Skip it if
Landlords who want claims handled by the company they bought from.
Prices checked Oct 18, 2026. Scores are provisional until our account tests are done.
Want to see how Arizona compares? We keep a table of landlord insurance rates by state, with the method behind every figure.
On this page
What Arizona landlords pay for insurance
Arizona’s homeowners benchmark of $3,415 is about 37% above the national figure. For a landlord (DP-3) policy on the same $400,000 house, expect something like $3,930 to $4,270 as a starting point. Most rentals are worth less than that benchmark home, so your number may come in lower. Location inside the state matters more than the statewide average suggests.
Monsoon season is claim season
The monsoon runs June 15 to September 30, and it brings microbursts, hail and dust storms that tear up roofs, fences and patio covers across the Valley. These storms produce the bulk of property claims in Phoenix and Tucson.
Many Arizona policies carry a separate wind and hail deductible, sometimes set as a percentage of the dwelling limit. A 1% deductible on a $300,000 limit is $3,000, which is more than many monsoon repairs cost. Insurers will ask the roof type and age. Tile and shingle roofs price differently, and an older shingle roof can push you toward actual-cash-value roof coverage, which pays depreciated value instead of the replacement cost.
Wildfire in the high country
Flagstaff, Prescott, Payson and Show Low sit in forest and brush where insurers now score each address for wildfire risk. A high score can mean a big premium, a large deductible or a non-renewal letter. Clearing defensible space around the building and choosing ember-resistant vents help with underwriting. If one carrier declines, try a broker who places policies with several markets.
Flash floods and the wash next door
Standard landlord policies exclude flood. Monsoon rain turns dry washes into rivers within minutes, and homes on the wrong side of a wash can take water even outside a mapped zone. Lenders require flood insurance only in FEMA special flood hazard areas. Elsewhere, a policy from the National Flood Insurance Program or a private flood insurer is optional and often reasonably priced.
Heat, AC and pools
Extreme heat doesn’t damage most buildings, but it makes a failed AC an emergency. Mechanical breakdown is excluded from landlord policies, so plan for HVAC with a reserve or a home warranty.
Pools are a liability question. Check your city’s pool barrier rules, keep gates self-latching, and carry liability limits of at least $500,000. Steadily offers liability from $300,000 to $2 million per occurrence, and an umbrella policy can stack on top.
How to pay less
- Replace an aging roof before you shop, or get a roof inspection report to show its condition.
- Raise the wind and hail deductible if you hold a cash reserve.
- Install a water-leak shutoff valve; slab leaks and supply-line bursts are common Arizona water claims.
- Ask about a multi-property discount if you own several homes in the same metro.
Arizona deposit rules and your risk
Arizona caps refundable deposits plus prepaid rent at 1.5 months’ rent (A.R.S. § 33-1321). You have 14 days, not counting weekends and legal holidays, after the tenancy ends, possession is returned and the tenant asks for the deposit, to send it back with an itemized list. Wrongful withholding can cost twice the amount kept, and the tenant has the right to attend the move-out inspection. Monsoon damage and tenant damage can look similar on a roof or patio, so date-stamped photos at move-in and after storms help on both the deposit and the insurance claim.
Questions landlords ask
The questions we get most, each answered in a paragraph.
How much is landlord insurance in Arizona?
The 2026 NerdWallet benchmark for an Arizona homeowners policy on a $400,000 house is $3,415 a year, about 37% above the national average of $2,490. Landlord policies usually run 15-25% higher. A smaller house in Mesa or Tucson will often price lower, and a cabin in a wildfire zone near Prescott or Flagstaff higher. Your quote is the only real number.
Does landlord insurance cover AC failure in Arizona?
Usually not. A compressor that dies from age or wear is a mechanical breakdown, which landlord policies exclude. Sudden water damage from a failed condensate line may be covered, but the repair to the unit itself isn't. Some landlords use a home warranty or a maintenance reserve for HVAC, since summer outages need fast fixes.
Do I need flood insurance for an Arizona rental?
Your lender will require it if the property sits in a FEMA special flood hazard area. Outside those zones it's optional, but monsoon flash floods regularly damage homes near washes and in low-lying neighborhoods. Standard landlord policies exclude flood, so coverage comes from the National Flood Insurance Program or a private flood insurer.
Can I get insurance for a short-term rental in Scottsdale or Sedona?
Yes, but not on a standard long-term landlord policy, which usually excludes or limits short-term guest stays. Steadily and Obie both write short-term rental coverage, with Obie adding commercial liability and amenity coverage. Tell the insurer up front how you rent the property, or a claim can be denied.