Home Insurance in Scottsdale, AZ

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Reasons To Call Scottsdale Home

If you love living near a major city but prefer a slightly less dense hometown feel, Scottsdale could be the perfect place. Just minutes from all that Phoenix has to offer, yet with a more relaxed feel, Scottsdale has its own amazing attractions. With world-class arts and cultural events, a vibrant nightlife scene, and more than 200 golf courses in the immediate area, you are sure to find something to keep you busy.

The majority of Scottsdale residents ( 66.6% ) live in owner-occupied housing, and the cost of living in the city is higher than the national average. Despite that, just over 243,000 people called Scottsdale home in 2022.

Homeowners face risks that are all too common in the Southwest. For example, wildfires are a major concern. Luckily, comprehensive home insurance in Scottsdale protects against most fire damages.

Options for Home Coverage in Scottsdale

Shopping for home insurance can feel overwhelming. Comparing rates with VIU by HUB takes some of the confusion out of the process. Our agents will present you with several coverage options so you can find a policy that protects your Scottsdale home. Any policy you choose should have basic coverage, including:

Dwelling Coverage

This pays to fix damages to your home from specific types of losses, such as fire, vandalism, and hail. The coverage amount you select should be sufficient to rebuild your home if necessary. It also typically includes coverage for additional structures on the property at a fixed percentage of your dwelling coverage limits.

Personal Property Protection

If any of the stuff you have in your house (or temporarily somewhere else, such as storage or in your car) gets stolen or damaged in a covered loss, your personal property protection pays to repair or replace it. Check your coverage limits and see if you need to increase them for any high-value items.

Liability Insurance

If someone suffers personal or property injury while on your property, your liability insurance will pay for related claims.

Risks of Owning a Home in Scottsdale

Owning a home carries risks no matter where you are, and Scottsdale is no exception. The city's picturesque setting does little to mask the major risk of fire that 78% of Scottsdale's residential properties face in the next 30 years. Luckily, most homeowners have little to worry about when it comes to flooding. Still, if you live in an area prone to flash flooding, you might consider adding protection for that to your policy.

Despite sitting just outside of Arizona's largest city, Phoenix, Scottsdale has relatively little crime. Violent and property crime rates are at or below state averages on every measure, showing that there is little risk to your home from arson, burglary and vandalism. These factors all play a role in determining premium rates in an area.

Average Premiums for Home Insurance in Scottsdale, AZ

The average price for home insurance in Scottsdale, AZ, is $2,189.00. which is slightly higher than the state average of $1,886.48. Both rates include $350,000 of dwelling coverage. Since the average home price of an owner-occupied home in the city is $540,000. you may need to pay more for additional coverage.

No matter how much coverage you need, VIU by HUB can help you compare rates for home insurance in Scottsdale, AZ, so you can find a policy that brings you peace of mind without stretching your budget.

This information is intended for general informational purposes only and is not intended to constitute legal advice.



U.S. Census Bureau

Risk Factor



Arizona Demographics by Cubit

Experience Scottsdale

Home insurance in Arizona by city

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