Protect Your Home & Peace of Mind
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Get affordable home insurance in 3 simple steps
Whether you do it yourself online or speak with one of our friendly representatives over the phone, Kin makes it easy to find coverage.
Property info
Customize your quote
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Tell us about your home.
Answer a few basic questions and we’ll generate your home insurance quote in minutes.
Personalize your policy.
Customize your coverages, limits, and deductibles to get the protection you need.
Get covered.
Review your quote and sign your application online. Any questions? Our licensed agents are here to help.
Discounts available in Arizona
The average cost of home insurance has increased to $1,018 per year in Arizona, but you can save money by protecting your home, avoiding damage, and selecting sustainable options.
Home security - for installing security and fire alarms.
Wind mitigation - the more wind-proof your home, the better.
Water detection - because no one wants a flooded home.
Claims-free - for keeping your home safe over the years.
Electronic policy - for reducing your carbon footprint by saving some paper.
Why you'll love Kin
You get more than coverage — you get a team that follows through.
Here to help
We reach out before, during, and after major weather events to make sure you’re okay — and to assist if you need to file a claim.
24/7 claims support
Easily file a claim over the phone with a member of our support team or online in your Customer Portal.
5-star care
Licensed Kin agents are easy to reach and ready to listen. Contact us via email, phone, or live chat.
We’ve got Arizona covered.
We help Arizonans find coverage across the entire Grand Canyon State!
We sell policies in every county in Arizona, including in these major cities:
- Gilbert
- Glendale
- Mesa
- Phoenix
- Scottsdale
- Tempe
- Tucson
Common questions about Arizona home insurance
Is home insurance required by law in Arizona?
No, home insurance is not required by law in Arizona. However, most lenders require you to carry home insurance if you have a mortgage.
Does home insurance cover damage from a haboob?
Yes. Haboob damage — broken windows, roof damage, downed fences — is covered under a standard home insurance policy, the same as any other windstorm. One thing worth checking, though: some Arizona policies carry a separate wind and hail deductible, which is often a percentage of your home's insured value rather than a flat dollar amount. On a $300,000 home with a 2% wind/hail deductible, you'd pay $6,000 out of pocket compared to the flat deductible (often somewhere between $1,000 to $2,500, depending on your selection) that applies to most other claims. Check your declarations page or ask your agent for more information on your policy deductibles.
Why is my Arizona home insurance increasing?
Home insurance premiums are going up across Arizona because of the increased frequency of wildfires and higher claims costs. Plus, the cost of reinsurance (which is insurance for insurance companies) is going up for Arizona insurance companies, and those costs get passed on to customers.
Do I need a separate flood insurance policy in Arizona?
Yes, you should consider getting a separate flood insurance policy in Arizona, depending on where you live. If you live in a flood zone, your lender may require you to carry flood insurance. Because flooding is common after wildfires and during monsoon season, it can be smart to purchase even if you’re not required to carry it.
How does my ISO fire rating affect my premium?
Your ISO Public Protection Classification reflects your area’s fire protection capabilities. If you live in an area with a greater risk (and a higher ISO rating), you should expect higher premiums — and you may find it difficult to secure coverage at all.
