Arizona Homeowners Insurance:
Everything You Need to Know


While Arizona’s sunny climate boasts fewer natural disasters than some regions, complacency can be costly. Weather related events can wreak havoc on your property. Homeowners insurance from Orion180 is your shield against the unexpected events that come with living in Arizona.

expect more.

Open the door to better home insurance with Orion180.

Arizona’s vibrant landscape presents unique risks for homeowners. At Orion180, we understand these nuances and are revolutionizing Arizona homeowners’ insurance. We’re a technology-driven and people-focused insurance carrier, prioritizing comprehensive protection with a commitment to exceptional customer service.

Here’s what sets Orion180 apart:

  • Tailored Coverage: We go beyond one-size-fits-all policies. Our customizable options ensure your Arizona home receives the specific protection it deserves.
  • People-First Approach: We prioritize clear communication and exceptional service. Our dedicated team is here to guide you through every step, from policy questions to the claims process. Our 2000+ 5-star google reviews speak for themselves; your peace of mind is our priority.
  • Unwavering Financial Strength: As a fully licensed admitted carrier in Arizona, Orion180 boasts a Demotech, Inc. rating of A (Exceptional). This industry-recognized symbol of financial stability ensures we have the resources to fulfill our promises, even in the face of large-scale disasters. With over $140 million paid in claims to families like yours, we’re here to ensure you get back on your feet quickly.

Expect more from your
home insurance.

Expect more
from your
home insurance.

Be matched with a top-rated independent agent near you.

Our independent partner agents have been vetted for their expertise, integrity, and dedication to their community. So, they won’t recommend Orion180 unless it’s the best option for you.

Saving Money on Your Orion180 Home Insurance Policy

At Orion180, we recognize that affordability is a key concern for homeowners. While Arizona generally enjoys lower premiums due to a reduced risk of certain natural disasters, we remain dedicated to helping you maximize your savings.

Orion180 offers a diverse range of discounts to reward responsible homeowners and mitigate potential risks including but not limited to:

  • Military & First Responders Benefits
  • Golden Age Discounts
  • Advanced Quote Benefits
  • Claims-Free Rewards
  • Companion Policy Savings
  • Tree-Free Yard Incentives

Discover more about the various discounts available by clicking here.


Elevate your insurance offerings with Orion180’s innovative solutions to secure the right fit for your clients. Connect with Steve today.

Frequently Asked Questions

1. What is the biggest threat wildfires pose to homes in Arizona?

Embers. Embers can travel long distances and ignite homes, even if the main fire isn’t close by.

There are several ways to create a fire-resistant zone, also known as defensible space. Here are the key steps:

  • 30-Foot Rule: Clear a 30-foot zone around your house free of flammable materials like leaves, dead branches, and firewood.
  • Trim Trees: Regularly trim trees and shrubs to keep them away from your house and power lines.
  • Fire-Resistant Plants: Choose plants like cacti, aloe, and ornamental grasses for your landscaping.
  • Seal Openings: Close any gaps, cracks, or vents around your windows, doors, and vents to prevent embers from entering your home.

Durability and heat resistance: Arizona’s climate is tough on roofs. Consider materials like clay, concrete, or metal that can withstand the heat and last for a long time.

Energy efficiency: A reflective roof material like metal can help you save on cooling costs.

Budget: Asphalt shingles are the most affordable option, but they may need to be replaced sooner. Metal and tile roofs have a higher upfront cost but can last for decades.

Aesthetics: Choose a material that complements the style of your home.

The cost of homeowner’s coverage is influenced by several key factors, as every home is unique. Here are some considerations impacting your premium:

  • Claim History: Past events help insurers predict future risk levels.
  • Size, Age & Quality of the Home: Newer homes are often more cost-effective to insure due to lower risk of system failures.
  • Property Condition: The state of the foundation, plumbing, electrical systems, and roof impacts coverage costs.
  • Pets: Certain breeds or pets with a history of aggression can affect premiums due to liability concerns.

The cost of homeowner’s coverage is influenced by several key factors, as every home is unique. Here are some considerations impacting your premium:

  • Prioritize routine maintenance to prevent small issues from escalating and potentially driving up repair costs.

  • Avoid unnecessary claims by addressing minor problems promptly and responsibly.

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If you are ready to Do More, Give More and Be More to your insureds, we invite you to partner with Orion180 and Expect More of your relationship with us. If you are already a trusted partner, we invite you to contact us for additional training on our products and technology; we are ready to Be More for you!

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