Umbrella Insurance Agencies in Arizona

Arizona at a glance

• 213umbrella insurance agencies listed
• 32.6%of households rentRenters insurance
• $394,500median home valueHome insurance
• 1992median year homes were builtRebuild cost calculator
• 5.4%of households have no carAuto insurance
• 9.3%of homes are mobile homesMobile home insurance

Population and housing figures: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates. Agency count: our listings.

Natural hazard risk across Arizona

How many of Arizona’s 15 counties FEMA rates Relatively High or Very High for each hazard, compared with other U.S. counties.

• Lightning12 of 15 counties

  Very High in Coconino County, Navajo County, Apache County and 5 more.

  Fire and lightning are standard covered causes of loss on home policies.

  Home insurance in Arizona
• Wildfire11 of 15 counties

  Fire is a standard cause of loss on home policies. In high-risk areas, check that the dwelling limit would rebuild the home at today’s costs.

  Home insurance in Arizona
• Inland flooding7 of 15 counties

  Very High in Maricopa County, Pima County.

  Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.

  Flood insurance in every state
• Winter weather6 of 15 counties

  Very High in Coconino County, Navajo County.

• Hail1 of 15 counties

  Very High in Maricopa County.

  Hail is usually a covered cause of loss on home policies and under comprehensive cover on a car, but some insurers exclude wind and hail or apply a separate deductible. Ask the agent which applies.

  Home insurance in Arizona
• Strong wind1 of 15 counties

  Very High in Maricopa County.

  Some insurers exclude windstorm and hail from the main home policy or set a separate deductible for them. Ask the agent which applies.

  Home insurance in Arizona

Source: FEMA National Risk Index, December 2025 release.

Car insurance rules in Arizona

Arizona requires drivers to carry at least $25,000 of bodily injury liability per person, $50,000 per accident and $15,000 of property damage liability, often written 25/50/15.

These are legal minimums, not a recommendation: a serious crash can cost far more, and anything above your limits is yours to pay.

Auto insurance in ArizonaHow much liability cover do you need?

Source: azleg.gov, limits in force since 2020-07-01. Checked 2026-10-24.