Tucson is not a suburb of anywhere. Different county, different carriers competing, and the lowest median home value of any large city in the state, which changes what a policy has to be built around.
Median owner-occupied value here is the lowest of the twelve cities we write pages for. That shapes the dwelling limit conversation more than anything else.
Three things we check on every Tucson quote, because each one decides what a claim pays rather than whether you have one.
Tucson's median owner-occupied value sits far below the Valley suburbs, and people reasonably assume their dwelling limit should follow it. It should not. A limit is set by what rebuilding costs, which tracks labor, materials and code upgrades, and those do not fall just because the resale market is softer. This is the most common underinsurance in southern Arizona.
The washes around this city drain a different landscape from the Valley's engineered channels. Water arrives fast off desert soil and caliche that will not absorb it, and a street that has never flooded can carry a foot of it for twenty minutes. Rising water is excluded from every homeowners and renters form, which is the gap most households find out about afterwards.
Two very different corridors meet here, and both bring drivers who are not local. Uninsured motorist cover on your own policy is what pays when the other driver cannot, and it is routinely left at the state minimum because nobody explained what it was for.
Across 228,020 households, the second largest city in the state and run from its own county seat rather than from the Valley.
The lowest of any large Arizona city, and the number most likely to leave a dwelling limit short of what rebuilding costs.
Just over half own, which is low for a city this size and means renters cover matters here more than the ownership rate suggests.
Written for Arizona, quoted for your address in Tucson.
Read moreWritten for Arizona, quoted for your address in Tucson.
Read moreWritten for Arizona, quoted for your address in Tucson.
Read moreWritten for Arizona, quoted for your address in Tucson.
Read moreWritten for Arizona, quoted for your address in Tucson.
Read moreSend the address and the roof age. In Pima County those two answers move a quote further than anything else on the form.
We quote Pima County against more than one carrier before we call.
Request a quoteCall the office and say you are in Tucson. You will get an agent who quotes it against several carriers rather than one.
