Florence, AZ

Insurance for Florence,the county seat, and a correction.

The Pinal County seat, one of the oldest towns in Arizona, where the published population figure describes something quite different from the residential market.

Florence counts 25,222 people across 6,719 households, which is 3.75 per household against a state average of 2.53. Census counts correctional populations in population and not in households.

Common Issues We Solve

What a Florence policy has to get right

Three things we check on every Florence quote, because each one decides what a claim pays rather than whether you have one.

Historic adobe is not standard construction

Territorial-era adobe and masonry are rated and repaired differently from frame construction, and not every carrier will write them. Replacement cost on a historic building can far exceed market value, because rebuilding in kind is specialized work rather than a subdivision quote.

A century of housing in one town

Florence spans adobe to new build, which means two houses on the same street can need entirely different policies. Anything written on a town-level assumption rather than on your actual construction is a guess.

The Gila River is close

River proximity and the drainage around it make flood a live question rather than a theoretical one, and flood is excluded from every homeowners form. It carries a waiting period, so the time to ask is well before it matters.

The Numbers

Florence at place level, not metro

Population

25,222

Read the households figure instead. 6,719 households is the residential market here; the population line counts people the Census houses in group quarters, and this town has a great many of them.

Median home value

$346,300

Mid-range for Pinal County, across a housing stock that runs from territorial-era adobe to recent subdivision.

Owner-occupied

86.8%

Nearly nine in ten of those households own, one of the highest rates in the county.

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Get a Florence quote

Tell us roughly when the house was built. In Florence the answer can be a century apart from the house next door.

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We quote the building in front of us, not a county average.

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FAQ

Questions from Florence

Why does the population figure look so high for the town?
Because Census counts people in group quarters, including correctional facilities, in population but not in households. Florence has a large institutional population. The households figure, 6,719, is the one that describes the residential market.
My house is adobe. Can you insure it?
Usually, with the right carrier. Historic construction needs a company that understands what rebuilding in kind costs, and that is a shorter list than for frame houses. It is exactly the sort of thing worth shopping rather than defaulting.
Is my historic home worth more to rebuild than to sell?
Frequently, yes, and that gap is the thing to insure against. The dwelling limit should follow reconstruction cost, which for period construction is considerably more than the market suggests.
Nearby

We also write Coolidge, Eloy, Casa Grande

Talk to a licensed agent about Florence

Call and tell us what the house actually is. The range here is wider than anywhere else we write.