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Educational notes for homeowners. Not an insurer, not an agent, and not advice about your policy.

AZ · NAIC WESTERN ZONE

Arizona homeowners insurance non-renewal notice requirements

Wildfire at the wildland edge, monsoon water, and rising replacement costs in fast-growing metros.

NOTICE RULE

30 days before the policy period ends

A.R.S. § 20-1654

Unless the insurer sends the named insured notice at least 30 days before the end of the policy period that it will not renew, or that renewal is conditioned on reduced limits or eliminated coverages, it may not fail to renew if the renewal premium is paid. The notice has to state the specific facts behind a nonrenewal. Mid-term cancellation is a different, narrower event: the department says insurers are required to give 5 days’ notice and may cancel only for listed grounds. If a nonrenewal is based on the condition of the premises, the insured gets 30 days to remedy it. This section does not apply if the insured has accepted replacement coverage or agreed to nonrenewal.

Read the statute · NAIC department directory

2022 HO-3 AVERAGE

$1,018

Rank 45 in the Triple-I table of NAIC data. Not a 2026 price. The U.S. figure was $1,569.

2024 WESTERN ZONE

$1,600

Average premium per policy in the NAIC MCAS study. Company data are confidential, so this is not a Arizona average.

ZONE NONRENEWALS

25.1 per 1,000 policies in 2024, the highest zone rate

The rate per 1,000 policies rose from 8.0 in 2022 to 25.1 in 2024. The full 2018–2024 percent change is inside the report’s 96% to 216% range and is not given as its own figure in the summary..

Premium trend

From 2018 to 2024, inflation-adjusted premium per policy in the Western zone: 43.3% after inflation, the high end of the four zones. Nominal average premium per policy rose 74% from 2018 to 2024 in the Western zone, before the inflation adjustment. The 2024 average was $1,600.

The countrywide 2024 book was about $1,600 per policy across 103.3 million policies. Localized ZIP codes move faster than the zone. A March 2026 NAIC data call is collecting ZIP-level detail that this page does not have yet.

[22][19][21]

Insurer of last resort

No FAIR plan named by DIFI. Arizona does not appear in the fiscal-year 2024 FAIR-plan table Triple-I republished. The department’s homeowners FAQ, read for this review, points people who cannot find coverage to a list of insurers willing to consider higher-wildfire-risk areas. That page does not name a state FAIR plan or a state insurer of last resort. Ask DIFI before you assume a residual-market policy exists. [38][22][28]

Plan site

Where to complain

Arizona Department of Insurance and Financial Institutions takes complaints about notices, cancellations, and claim handling.Arizona Department of Insurance and Financial Institutions If the site has moved, start from the NAIC directory. Department web addresses were not all re-checked on this review beyond the link above. Needs verification if the link fails.

What to do with the notice

  1. Find three dates: the date the notice was mailed, the date the policy expires, and the date the company says coverage ends.
  2. Read the reason. “Underwriting reasons,” with nothing under it, is not an explanation you can appeal or fix.
  3. Decide which letter you have. A nonrenewal, a mid-term cancellation, and a renewal that cuts coverage or raises the price are different notices, and states time them differently.
  4. Keep paying the current policy until a new one is bound. A gap can put a mortgage into force-placed insurance, which protects the lender first.
  5. Ask the company, in writing, for the declarations page, the replacement-cost estimate, and which rating factors changed.
  6. If a mortgage company is on the policy, tell them you are replacing coverage before the old policy ends.
  7. Shop admitted insurers. If you cannot find one, use the residual-market note on your state page. A FAIR plan or Citizens policy is often narrower than the policy you had.
  8. Compare deductibles before you accept a lower premium. A percentage hurricane or wind deductible is a share of the dwelling limit, not a flat $1,000.
  9. If the notice looks late or states no real reason, complain to the state insurance department and keep the envelope or the electronic-delivery record.
  10. Ask about a mitigation credit only where the company will put the discount in writing: a new roof, opening protection, or defensible space, depending on the peril.

Insurers people search in Arizona

Questions people type

How many days’ notice does Arizona require before a homeowners non-renewal?

30 days before the policy period ends. A.R.S. § 20-1654 Unless the insurer sends the named insured notice at least 30 days before the end of the policy period that it will not renew, or that renewal is conditioned on reduced limits or eliminated coverages, it may not fail to renew if the renewal premium is paid. The notice has to state the specific facts behind a nonrenewal. Mid-term cancellation is a different, narrower event: the department says insurers are required to give 5 days’ notice and may cancel only for listed grounds. If a nonrenewal is based on the condition of the premises, the insured gets 30 days to remedy it. This section does not apply if the insured has accepted replacement coverage or agreed to nonrenewal. [34][35][36][37]

What is the average homeowners premium trend in Arizona?

The 2022 HO-3 average republished by Triple-I from NAIC data was $1,018 in Arizona, rank 45. That is not a 2026 price. Arizona is in the NAIC Western zone, where the 2024 average premium per policy in the MCAS study was $1,600. Nominal average premium per policy rose 74% from 2018 to 2024 in the Western zone, before the inflation adjustment. The 2024 average was $1,600. [22][19][21]

What if I cannot find another homeowners insurer in Arizona?

No FAIR plan named by DIFI: Arizona does not appear in the fiscal-year 2024 FAIR-plan table Triple-I republished. The department’s homeowners FAQ, read for this review, points people who cannot find coverage to a list of insurers willing to consider higher-wildfire-risk areas. That page does not name a state FAIR plan or a state insurer of last resort. Ask DIFI before you assume a residual-market policy exists. File a complaint or ask for help through Arizona Department of Insurance and Financial Institutions. If that site has moved, use the NAIC department directory. [38][22][28][27]

Sources reviewed 2026-10-14

Open the document. The sentence above is only as current as that reading.

  1. [19] Examining Homeowner Property Insurance Market Dynamics, 2018–2024 (31 July 2026). NAIC Center for Insurance Policy and Research. Reviewed 2026-10-14. https://content.naic.org/sites/default/files/mcas-homeowners-property-insurance-market-dynamics-report.pdf
  2. [21] NAIC members by zone. National Association of Insurance Commissioners. Reviewed 2026-10-14. https://content.naic.org/membership-report/members-zone
  3. [22] Facts + statistics: homeowners and renters insurance. Insurance Information Institute (Triple-I). Reviewed 2026-10-14. https://www.iii.org/fact-statistic/facts-statistics-homeowners-and-renters-insurance
  4. [26] SERFF Filing Access. NAIC. Reviewed 2026-10-14. https://filingaccess.serff.com/sfa/home/
  5. [27] State insurance department directory. National Association of Insurance Commissioners. Reviewed 2026-10-14. https://content.naic.org/state-insurance-departments
  6. [28] Insurance topics: FAIR plans. National Association of Insurance Commissioners. Reviewed 2026-10-14. https://content.naic.org/insurance-topics/fair-access-to-insurance-requirements-plans
  7. [34] A.R.S. § 20-1654. Arizona State Legislature. Reviewed 2026-10-14. https://www.azleg.gov/ars/20/01654.htm
  8. [35] A.R.S. § 20-1653. Arizona State Legislature. Reviewed 2026-10-14. https://www.azleg.gov/ars/20/01653.htm
  9. [36] A.R.S. § 20-1652. Arizona State Legislature. Reviewed 2026-10-14. https://www.azleg.gov/ars/20/01652.htm
  10. [37] Is an insurer required to provide notice of cancellation or non-renewal?. Arizona Department of Insurance and Financial Institutions. Reviewed 2026-10-14. https://difi.az.gov/faq/insurer-required-provide-me-notice-if-they-intend-cancel-or-non-renew-my-homeowners-policy
  11. [38] Homeowners insurance frequently asked questions. Arizona Department of Insurance and Financial Institutions. Reviewed 2026-10-14. https://difi.az.gov/homeowners-insurance-frequently-asked-questions