Surety bonds • Arizona
Arizona Probate Bond: Personal Representative and Conservator Bonds
In Arizona, a personal representative (executor or administrator) must post a probate bond unless the will waives it, all heirs or devisees waive it, or another exception applies. Conservators generally must post a bond equal to the estate’s assets in their control plus one year’s income. Published premiums start around $85 a year.
This guide covers when Arizona requires a probate bond, how the amount is set, common waivers, conservator bonds, and costs. Blake Insurance Group is an independent agency and does not give legal advice; your attorney or the court can confirm what your case requires.
Request an Arizona probate bond
Tell us the type of appointment, the county, and the bond amount if you know it, and a licensed agent will follow up. Submitting the form does not bind coverage.
If the form does not load, call 888-387-3687, Monday through Friday, 9:00 to 5:00, or email info@blakeinsurancegroup.com.
Prefer to quote online yourself?
Get a surety bond quote online, without waiting for a call back. Many license and permit bonds can be issued the same day.
Get a surety bond quote through Propeller →License, permit, contract, and commercial bonds through our Propeller portal.
Sponsored. Each link opens the partner’s website in a new tab, where its terms and privacy policy apply. Blake Insurance Group may be compensated if you buy.
When a personal representative needs a bond
Under A.R.S. § 14-3603, a personal representative must post a bond unless:
- the will expressly waives the bond;
- all heirs (with no will) or all devisees (if the will is silent) file written waivers;
- the personal representative is a bank, trust company, or other listed institution, or the public fiduciary; or
- a surviving spouse, or their nominee, applies and the estate qualifies for summary procedures.
Even when bond is waived, an interested person whose interest is at risk can ask the court to require one.
How the bond amount is set
Under A.R.S. § 14-3604, the person being appointed files a sworn estimate of the value of the decedent’s personal estate, the net value of real estate, and the estate’s expected income over the next year. The bond must be at least that estimate unless the court orders otherwise. The amount may be reduced if real estate sales require court confirmation or if assets are deposited where they cannot be withdrawn without court approval.
Conservator and guardian bonds
Under A.R.S. § 14-5411, a conservator’s bond is generally the value of the estate property in the conservator’s control plus one year’s estimated income. The court may reduce the bond for good cause, and the amount is reduced by securities deposited under a court order restricting their removal. Banks, trust companies, and the public fiduciary are exempt.
How much an Arizona probate bond costs
| Bond amount | Published annual premium |
|---|---|
| Up to $17,000 | $85 |
| $17,001 to $50,000 | $85 to $250 |
| $50,001 to $200,000 | $250 to $813 |
| $200,001 to $500,000 | $813 to $1,563 |
| $500,001 to $1,500,000 | $1,563 to $2,063 |
Rates published by Jet Surety. Premiums are usually fully earned and not refundable if the bond is canceled early. Applicants with credit issues may face underwriting conditions.
What the bond protects
The probate bond protects heirs, beneficiaries, and creditors if the fiduciary mismanages or misuses estate assets. It does not protect the fiduciary: if the surety pays a claim, the personal representative or conservator must repay it. Keeping clear records and following court orders is the best protection.
Arizona probate bond FAQs
Do I need a bond to be an executor in Arizona?
Usually, unless the will waives it, all heirs or devisees waive it in writing, or another exception in A.R.S. § 14-3603 applies.
How much is a probate bond in Arizona?
The bond amount is based on the estate’s personal property, real estate net value, and one year’s income. Published premiums start around $85 a year for bonds up to $17,000.
Can the heirs waive the probate bond?
Yes. If there is no will, all heirs can file written waivers; if the will does not address bond, all devisees can.
How long does a probate bond last?
Until the court discharges the fiduciary, usually when the estate is closed. Premiums are typically billed each year until then.
Related guides
Important information
Compensation. The link in the partner quote box near the top of this page is sponsored, and Blake Insurance Group may be paid if you make a purchase. Sponsored placement does not affect the other information on this page.
Independent agency. Blake Insurance Group LLC is an independent insurance agency. Licensed insurance producer NPN 16944666. Licensed states: AZ, AL, TX, CA, NY, OH, FL, NC, VA, GA, OK, NM, IA, KS, MI, NE, SC, SD, WV, IL, NJ, PA, TN, and WA. Which insurance companies we can quote depends on our current appointments, the product, and your state. Mentioning a company on this page does not mean we represent it.
Cost figures. Published averages and ranges are cited from the sources named, as of the dates shown. They are not quotes and may not reflect your price, which depends on the insurer, the surety, your credit, the bond type, and underwriting.
Availability. Coverage, prices, discounts, and eligibility vary by insurer, state, and applicant, and are subject to underwriting. The issued policy controls.
Your next step
Tell us about the appointment, and a licensed agent will help you get your Arizona probate bond, or start a bond quote online with our partner.
