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Santa Cruz County, AZ Homeowners Insurance Quotes

Are you shopping for homeowners insurance for your Santa Cruz County AZ home? We can help you find the best rates and coverage options available at GetHomeInsuranceQuotes.com. We provide up to 12 comparison quotes from the most competitive top-rated home insurance companies available in Arizona. Our agents specialize in the best rates for Santa Cruz County and have over 20+ years of experience. We are ready to help you take advantage of our free consulation so you can review the most affordable home policies available, with the best dwelling and liability coverage plans. Protecting your home from hurricanes, lightning and fires is important to every homeowner. But that's not all your homeowners policy is limited to, ask our agents what coverage is the right fit for you. We have a variety of options to choose from to make sure your home and family are safe.

Average Rates in Santa Cruz County

Did you know the average home insurance premium for the state of Arizona is $866 a year. That's $72.17 a month in home insurance cost. Now depending on if this average premium is higher or lower than what you are currently paying, it's also smart to keep in mind who your current insurance carrier is and what type of coverage you currently have available for your home in Santa Cruz County. We can help you save up to 40% by applying all the available discounts and credits, plus shopping your coverage with up to 12 different home insurance providers that currently have competitive rates in Santa Cruz County AZ. Simply give us a call now at 1-855-976-2656

For all Santa Cruz County, AZ residents, you can select your city below to review more information about homeowners insurance in your local area. Information includes city demographics, facts and average premium rates for homeowners on an annual and montly basis. If you are searching for insurance rates nearby then click your city below.


Are you looking for a homeowners insurance quote in Santa Cruz County? Simply enter your zip code to get your Arizona homeowners insurance quotes and receive up to 12 competitive quotes and coverage options in your area.

Santa Cruz County, AZ Housing Demographics

With 47,420 residents living within the Santa Cruz County area there are over 18,010 homeowners looking for more affordable home insurance rates. Your homeowners policy is written to help protect your home and family. With an estimated 11,992 families living within the local area, it is safe to say that great coverage at an affordable price is most desired amongst every homeowner living in Santa Cruz County.

DemographicValues
Total Occupied Households15,437
Family Households (families)11,992
Average Owner Occupied Household Size3
Average Family Size4
Total Housing Units18,010

Santa Cruz County, AZ Home Insurance Average Premiums

Local Santa Cruz, AZ homeowners insurance quotes comparison

$726 /yr.

Arizona's Average Home Insurance Rates Overall

For the state of Arizona, homeowners insurance premiums have changed based on a variety of different factors related to risk and is currently ranked 46 in the nation for highest premiums in the U.S.

Average RatingAnnual Premium
Minimum Range:$628 /yr.
Current Average Cost:$726 /yr.
Maximum Range:$866 /yr.

Arizona Homeowners Insurance News & Information

  • Florida Homeowners Are Concerned About Property Insurance Crisis Posted on Tuesday 1st July, 2025

    Insurance rates are rising at unprecedented rates, causing millions of people to struggle with the new premiums.  In the last three years, insurance rates have doubled in some areas. Homeowners fear for their houses while their representatives in Congress struggle to help.  Insurers are pulling out of states like Florida as damaging hurricanes and powerful […]

  • Upgrading Your Home Against Disasters Can Help Save You Money On Your Insurance Posted on Thursday 26th June, 2025

    Ron Watson’s roof on his Alabama home looks the same as all his neighbors’ roofs. Yet his is saving him money every year.  With the help of nails specifically designed to stay in place during high winds, along with other construction elements, Watson’s roof is less likely to be damaged in natural disasters, like hurricane […]

  • Should I consider climate changes when buying a new home? Posted on Saturday 21st June, 2025

    Climate change is on our doorstep, so now more than ever, it’s essential to consider the local climate when buying a new home. Not only is the current climate important, but experts suggest homeowners look towards the future. How will the next 10, 20 or 30 years impact your new purchase?  The increasing frequency of […]

  • Florida home insurance and hurricanes How to Prepare Before Hurricanes Threaten Florida Posted on Monday 19th May, 2025

    Hurricane season is quickly approaching and one of the most important things to do before a storm hits is to make sure your insurance coverage is up to date and your coverage levels are sufficient in the event your home is damaged by severe weather. Regardless of whether you own a home or are renting, […]

  • New Home Insurance Company Launches in Florida, Shows Signs of Improvement Posted on Tuesday 13th May, 2025

    According to Office of Insurance Regulation and leaders in the industry, Florida may finally be emerging from the insurance crisis that it has suffered through for the last decade. Insurance companies operating in the state are starting to stabilize rates and new insurance companies are entering the Florida market.  Recently, the Office of Insurance Regulation […]

Discounts For Homeowners in Santa Cruz County

As a homeowner, you have to understand that insurance companies see homes as a risk. If you can decrease any of the risk factors that will determine your premium, then it's best to follow these important guidelines in order to save money on your Arizona homeowners insurance.

  • Install A Smoke Alarm in Every Room: It's important you do this for your own safety, so why not install a smoke detector in every room. Show your home insurance company that safety comes first. Once you have them installed, shop for home insurance and mentioned you have taken the right safety precautions to reduce house fires. For homeowners in Santa Cruz County, this discount can save you up to 20% on your home insurance premium.
  • Combine Your Home and Auto Insurance Into One Package: Any home insurance provider is going to want your business. It's important you offer this opportunity to combine your home and auto insurance together in one package. You may want to also see if you can open up a life or health insurance account as well. Merging all your insurance into one company will save you money. Homeowners in Santa Cruz County that do combine their home and auto can save over $500 with this discount.
  • Install A Home Security System: Your home insurance company should reward you for installing a home security system, sometimes up to 22%. It's important that you take precautions and reduce the risk of someone breaking into your Santa Cruz County home. This will be one of the questions that you will want to ask your home insurance agent to see if you qualify for this discount. If you don't, make sure you shop other companies to get the "Home Security Discount"
  • Purchase A Fire Exstinguisher: Although smoke alarms provide warnings, it's best to be prepared. This may or may not provide any stand alone discount, but it shows your serious when it comes to reducing risk.
  • Stop Smoking: It's important to protect your health and your home. If you don't smoke or don't have anyone living with you that smokes then this can save you up to 18% on your home insurance premium.

Santa Cruz County Housing & Real Estate Data

Details:Statistics
Total Housing Units18010
Occupied Housing Units15437
Vacant Housing Units2573
Vacant Housing Units for Rent654
Vacant Housing Units Rented Not Occupied20
Vacant Housing Units For Sale383
Vacant Housing Units Sold Not Occupied50
Vacant Housing Units For Seasonal Occasional Use756
Vacant Housing Units All Other Vacants710
Housing Units Homeowner Vacancy Rate Percent4
Housing Units Rental Vacancy Rate Percent12
Housing Tenure Occupied Units15437
Housing Tenure Occupied Units Owner Occupied10428
Housing Tenure Occupied Units Owner Occupied Population32426
Housing Tenure Occupied Units Owner Occupied Averge Household Size3
Housing Tenure Occupied Units Renter Occupied5009
Housing Tenure Occupied Units Renter Occupied Population14610
Housing Tenure Occupied Units Renter Occupied Average Household Size3