Home Insurance in Surprise

Relax and enjoy Arizona life with home insurance in Surprise.
Compare, shop and customize quotes from top-rated insurance carriers.

A City Full of Things To Do

Located just outside the bustling Phoenix metro area, Surprise is a rapidly growing Arizona city. U.S. Census estimates show the city of 154,198 people is growing at just over 7% per year. Just over 76% of homes in the city are owner-occupied with an average value of $282,300.

Residents can enjoy the Southwest's largest tennis and racquet club, several aquatic centers and plenty of opportunities for golf and fishing. Cactus League spring training brings new life to the city every spring when the MLB's Kansas City Royals and Texas Rangers call it home.

Outdoor enthusiasts can enjoy the White Tank Mountains, Sonoran Desert and Lake Pleasant Regional Park, all of which are within a short drive of downtown. With favorable weather all year long and an average of 301 sunny days per year. you'll have plenty of opportunities to explore all nature has to offer.

Home Risks in Surprise, AZ

Of course, all that sun brings the risk of fire to this portion of Arizona. Risk Factor estimates that 96% of all properties in Surprise are at risk of fire in the next 30 years. Home insurance in Surprise can help protect your investment, and VIU by HUB can help you find affordable coverage that includes fire protection.

Luckily, Surprise has several qualities that help reduce homeowner risk. Crime rates in the city are significantly lower than the state and national averages, making it a very safe place to live. City-Data.com reports only 170 burglaries and 14 incidences of arson within the city in 2020, which helped it to earn a 111 crime index. There is also only minimal risk of flooding or wind damage in Surprise, so homeowners likely won't need additional specialty coverage for those items.

Common Surprise Home Coverages

Arizona, like other states, does not require home insurance. However, many mortgage lenders do require coverage. A standard policy that provides liability insurance, dwelling coverage and personal property protection is usually sufficient.

The liability portion of your home insurance in Surprise pays for medical care, legal fees and potential settlements if someone becomes injured or suffers property damage as a result of your negligence. It often includes an additional medical payment portion for minor injuries regardless of liability.

Personal property protection pays to repair or replace personal belongings that become damaged or stolen during a covered loss. This includes things such as your furniture, electronics and appliances. Most policies extend coverage to items temporarily in other locations, such as a vehicle or storage unit.

Your dwelling coverage pays for repairs to your home after a covered loss, such as theft, fire or hail damage. If coverage limits are sufficient, it will also pay to rebuild your home if it is not repairable.

Home Insurance Costs in Surprise

Home insurance costs vary depending on personal and property factors, such as your credit score, claims history and home location and size. For example, an individual with a poor credit score may pay higher premiums than someone with a higher score. Similarly, a history of home insurance claims indicates a higher risk of future claims and increases how much you will pay for home insurance in Surprise.

Overall, Surprise homeowners can expect to pay an average of $1,522.00 for home insurance with $250,000 in coverage. That's just slightly higher than the state average and substantially less than you would pay in nearby Phoenix.

VIU by HUB can help you compare rates from multiple insurers so that you can find affordable and comprehensive home insurance in Surprise to protect your investment.

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


Best Places

City of Surprise



Risk Factor

Trip Advisor

U.S. Census Bureau


Home insurance in Arizona by city

Understand risks, minimum state coverage requirements, average costs and other specifics that can impact auto insurance policies and premium rates in your city.