ALCO Insurance Agency
3335 N 19th Ave, # A, Phoenix, AZ 85015
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3335 N 19th Ave, # A, Phoenix, AZ 85015
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3335 N 19th Ave, Phoenix, AZ 85015
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2304 W Blue Sky Dr, Phoenix, AZ 85085
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2949 W Indian School Rd, Phoenix, AZ 85017
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7210 N 16th St, Phoenix, AZ 85020
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2925 W Donatello Dr, Phoenix, AZ 85061
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1010 E Jefferson St, Phoenix, AZ 85034
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4742 N 24th St, Suite 300A, Phoenix, AZ 85016
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2 N Central Ave, Ste 1800, Phoenix, AZ 85004
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2432 W Peoria Ave, Ste 1072, Phoenix, AZ 85029
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Learn about insurance coverage options specific to Phoenix residents.
Phoenix home insurance averages $2,143-$2,886/year. Learn about monsoon coverage, pool liability, flood insurance needs, and how newer homes save money.
Home InsurancePhoenix has 42,000+ addresses in wildfire risk zones. Learn how to protect your home with defensible space, get affordable coverage, and navigate Arizona's changing insurance market.
Home InsurancePhoenix home insurance averages $2,143/year. Learn what monsoon damage, dust storms, and tile roofs mean for your coverage and rates in 2025.
Car InsurancePhoenix drivers pay $2,943/year for car insurance—16% above Arizona's average. Learn how heat, traffic growth & location affect your rates.
General Insurance EducationComplete guide to insurance in Phoenix, AZ. Learn about at-fault auto laws, monsoon coverage, rate increases, and how to protect your home and business.
Renters InsurancePhoenix renters insurance averages $21/month. Learn about monsoon flooding, AC coverage, theft protection, and costs. Get quotes from top providers.
Yes and no. Your standard homeowners policy covers wind and hail damage from monsoons, such as a damaged roof or broken windows. However, it does not cover flooding—even if that flooding is caused by monsoon rains. If water enters your home from the ground rather than from above through a damaged roof, you'll need a separate flood insurance policy.
The cost varies by insurer, but you'll likely need to increase your liability coverage from the standard $100,000 to at least $300,000-$500,000, which can add several hundred dollars to your annual premium. Many homeowners also add an umbrella policy for about $200-$300 per year to get an additional $1 million in liability coverage for peace of mind.
Arizona has seen some of the steepest rate increases in the nation—23.2% in 2023 and 12.6% in 2024—primarily due to increased wildfire risk across the state. As wildfires have become more frequent and severe, insurers have raised premiums to cover their rising costs. Homes near wildfire-prone areas can face 15-30% higher premiums than other Phoenix properties.
It's worth considering. While Phoenix is in the desert, monsoon rains can cause flash flooding, especially in areas with poor drainage. One in four flood insurance claims come from outside designated floodplains. Remember, there's a 30-day waiting period before coverage takes effect, so you can't wait until a storm is forecasted.
Absolutely. New homes in Arizona average just $929 annually for insurance compared to over $1,900 for older homes—a savings of more than $1,000 per year. Newer homes have modern electrical systems, updated plumbing, reinforced roofs, and fire-resistant materials that significantly reduce insurance risk and premiums.
Yes, wind damage from haboobs is typically covered by your standard homeowners policy. If a dust storm knocks a tree onto your roof, breaks windows, or causes other wind-related damage, you're covered. However, cleanup from dust infiltration is usually limited, so check your policy details.
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