Bisbee Insurance Rates:

Bisbee, AZ home insurance is about $527 to $717, about $43-$59/month. Our all inclusive analysis shows customers can save upto $248 by getting many quotes

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Bisbee Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Amica Mutual Insurance Company
Home Insurance Rate of $320/9 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $325,000

4 Beds, 4 Baths 3240 sqft Primary Residence Constructed In 1993 with Hardwood Flooring, Metal Roof, Piers Foundation, Vinyl siding, Metal Frame Construction. Home Features Include Fireplace, Deadbolt Locks, Smoke Alarm, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

26 Years old Married Male who is Unemployed and has 2 Pets and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 500-549 Credit Score

Home Insurance Rate of $150/7 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $230,000

4 Beds, 4 Baths 2090 sqft Vacation Property Constructed In 1997 with Ceramic Tile Flooring, Shingles Roof, Piers Foundation, Fiber-Cement Siding, Wood Frame. Home Features Include Indoor Sprinklers, Deadbolt Locks, Central Air Conditioning, Copper Water Pipes, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

74 Years old Divorced Female who is Unemployed and has 1 Pet and is a Non-Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • Up to 499 Credit Score

Home Insurance Rate of $70/3 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $165,000

4 Beds, 4 Baths 1920 sqft Seasonal Residence Constructed In 2004 with Ceramic Tile Flooring, Composition Roof, Chainwall Foundation, Stone Siding, Stucco Construction. Home Features Include Swimming Pool, Fire Extinguisher, Deadbolt Locks, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

54 Years old Married Male who is a Freelancer with household income of less than $25,000 and has 2 Pets and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 600-649 Credit Score

Home Insurance Rate of $130/3 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $180,000

4 Beds, 4 Baths 2070 sqft Rental Property Constructed In 2014 with Stone Flooring, Composition Roof, Slab Foundation, Brick siding, Brick Frame. Home Features Include Central Air Conditioning, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

73 Years old Single Male who is Retired with household income of less than $25,000 and has 1 Pet and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 700-749 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $40/1 month for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $130,000

3 Beds, 3 Baths 1510 sqft Rental Property Constructed In 1989 with Carpet over wood flooring, Asphalt Shingles Roof, Chainwall Foundation, Stucco siding, Brick Frame. Home Features Include Central Air Conditioning, Fire Extinguisher, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

72 Years old Single Male who has a Full Time Job with household income of $50-$75,000 and has 2 Pets and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 500-549 Credit Score

  • Guests at home

Home Insurance Rate of $380/8 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $230,000

4 Beds, 4 Baths 1990 sqft Seasonal Residence Constructed In 2012 with Linoleum, Composition Roof, Slab Foundation, Fiber-Cement Siding, Brick Frame. Home Features Include Fire Extinguisher, Swimming Pool, Copper Water Pipes, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

62 Years old Divorced Female who is Unemployed with household income of less than $25,000 and has 1 Pet and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • Up to 499 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $450/10 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $215,000

4 Beds, 4 Baths 2090 sqft Vacation Property Constructed In 2006 with Hardwood Flooring, Composition Roof, Chainwall Foundation, Vinyl siding, Brick Frame. Home Features Include Central Air Conditioning, Smoke Alarm, Swimming Pool, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

46 Years old Single Male who has a Full Time Job with household income of less than $25,000 and has 2 Pets and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • Up to 499 Credit Score

  • Guests at home

Home Insurance Rate of $140/4 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $200,000

3 Beds, 3 Baths 1610 sqft Primary Residence Constructed In 2003 with Stone Flooring, Tile Roof, Slab Foundation, Brick siding, Stucco Construction. Home Features Include Central Air Conditioning, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

56 Years old Divorced Male who has a Full Time Job with household income of more than $150,000 and has More than 3 Pets at home and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 750-799 Credit Score

  • Seniors staying at home

Home Insurance Rate of $580/8 months for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $350,000

5 Beds, 5 Baths 2960 sqft Primary Residence Constructed In 2014 with Ceramic Tile Flooring, Slate Shingles Roof, Crawl Space Foundation, Vinyl siding, Metal Frame Construction. Home Features Include Smoke Alarm, Fireplace, Swimming Pool, Deadbolt Locks, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

56 Years old Married Female who has a Full Time Job with household income of $100-$150,000 and has 2 Pets and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 500-549 Credit Score

Home Insurance Rate of $430/5 months for $400000-$500000 Coverage
Policy Holder Home Details :

Home Value : $440,000

5 Beds, 5 Baths 4530 sqft Seasonal Residence Constructed In 2014 with Wood Flooring, Tile Roof, Crawl Space Foundation, Fiber-Cement Siding, Wood Frame. Home Features Include Fire Extinguisher, Deadbolt Locks, Fireplace, Swimming Pool, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

58 Years old Divorced Female who has a Part Time Job with household income of less than $25,000 and has 2 Pets and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 750-799 Credit Score

  • Guests at home

Home Insurance Rate of $350/8 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $250,000

3 Beds, 3 Bath 2140 sqft Seasonal Residence Constructed In 1986 with Hardwood Flooring, Membrane Roof, Piers Foundation, Fiber-Cement Siding, Brick Frame. Home Features Include Fireplace, Deadbolt Locks, Smoke Alarm, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

46 Years old Single Male who is Unemployed with household income of less than $25,000 and has 2 Pets and is a Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 800-850 Credit Score

  • Seniors staying at home

Bisbee, AZ Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
85603 $136,300 $610

Bisbee Rates & Quotes Analysis:

Bisbee Area Estimated House Insurance
S Bryerly Pl, E Bristlecone Ln, S Pla Azul, Solwes Ave, E Atsina Dr, S Macks Way, S Rio Santiago, S Ed St, S Cory Ln, Arizona St$631
S Dera Ln, Yosemite Ct, Tener Ave, E Cll de Lomas, S Desert Sumac Dr, E Ave Jicarilla, Vigilante Rd, E Helms Rd, E Ave del Campo, S Garcia Ln$608
E High Desert Dr, E Old Spanish Trl, E Renegade Trl, Sauk Ct, E San Mateo St, S Chiricahua Pl, E Cll Venado, B St, E Glenn Rd, E Cll del Narcisco$602
E Serritos Ranch Rd, N Clanton Ave, S Havasupai Pl, S Kelly Ln, Ohara Ave, E Wisteria Ct, S Paloma Trl, E Dogwood Ln, S Quetel Ave, American Ave$600
Copper St, E White Leaf Ct, S Bannock Ave, E Kiowa St, Clawson St, Campini Ct, E Pso Venado, Via Carisma, E Joy Ave, Joy Ave$629
E Cll Matrecito, Deer Ridge Trl, W Dominguez St, S Rainbow Vista Way, S Encanto Ave, E Cam Segundo, S Alma Ln, S San Ramon Ln, Tayahua Ln, S Hidden Valley Rd$603
27th Ter, Dalewood Rd, S Shoshoni Ave, E Nikki Ln, E Madalein Dr, S Crystal Dr, E Apache Plume, S Quarterhorse Rd, S Arizona St, E Cll Montes$621
E Cactus Ranch, E Quail Call Ln, E Seneca St, Arvizu St, Pueblo Court Ave, S Cavalry Ln, Cochise Row, E Apache Pointe Rd, E Dry Camp Rd, Clawson Ave$645
E Pawnee Dr, S Oleander Ln, S Short-Dusty Ln, E Ford Rule Rd, S Lone Mountain Ranch Rd, E Kalispell Ave, W Sunrise St, S Springtail Dr, Black Knob Vw, E Carr Canyon Rd$635
S James St, W Newell St, S Wild Horse Run, S Lariat Rd, 15th Ter, E Chief Joseph Dr, E Dry Springs St, E Mesa Dr, Hunt Ave, Fox Ln$599

Insurance rates are influenced by a number of factors including:

  • Year Built: 2,194 Homes (15% of total) built between 1980 to 1989 in Bisbee are paying home insurance between $928-$937 and varies from Elgin (+$195), Patagonia (+$60), Sonoita (+$66), Miracle Valley (-$45) and Naco (-$38).
  • Bedrooms: 6,750 3 bedrooms homes (48% of total homes ) in Bisbee are paying about $430 and varies from Elgin (+$83), Patagonia (+$21), Sonoita (+$23), Palominas (-$28) and Miracle Valley (-$21).
  • Auto Insurance Bundling: 4,124 Households (43% of all households) in Bisbee have 2 vehicles available and when it is bundled with home insurance you can save $124. Discounts for similar bundling in close by locations such as Palominas, Miracle Valley, Sierra Vista Southeast come to $118, $118, $124 respectively.
  • Senior Discounts: 5,701 seniors (more than 55 years) occupied housing units (59% of total) in Bisbee get discounts between $92 to $95. The comparative concessions in proximate regions such as Palominas, Sierra Vista Southeast and Naco are $88, $93 and $89 respectively.
  • New Homes discounts: New homes such as the 7,020 homes built between 2000 to 2009 in Bisbee can save $124 and similar new home insurance discounts in nearby towns and cities like Palominas, Miracle Valley and Sierra Vista Southeast are $118, $118 and $124 respectively.

Bisbee Homeowners insurance Facts

  • Bisbee, AZ has 9,520 owner occupied houses which is 81.5% of all units whereas Palominas, Miracle Valley and Sierra Vista Southeast have 89.36%, 100.0% and 87.22% respectively.
  • Bisbee, AZ homeowners yearly insurance price at $622 is 0.33% of the typical house value of $186,300 which is in contrast with 0.74% in Palominas, 0.69% at Miracle Valley & 0.33% in Sierra Vista Southeast.
  • Homeowners in Bisbee, AZ pay 12.44% of their income (Less than $10,000) in insurance whereas homeowners in Palominas, Miracle Valley and Sierra Vista Southeast pay 11.8%, 11.84% and 12.44% respectively.
  • Bisbee, AZ’s insurance is 3.7% of monthly housing costs of $1,393/month, for owners with a mortgage compared to 3.7% in Miracle Valley, 3.68% at Sierra Vista Southeast & 5.28% in Naco. But, for households without a mortgage, insurance is 15.6% of costs ($332 in Bisbee, AZ) in contrast with 8.19% in Miracle Valley, 14.52% at Sierra Vista Southeast & 18.7% in Naco.

Bisbee, AZ Home Values & Insurance rates

For example, insurance for 580 Homes (6.0% of total homes ) valued between Less than $50,000 in Bisbee, AZ is about $80. Rates in nearby areas in such as Patagonia, Vail, Corona de Tucson are cheaper by $34, $17, $11 respectively while Miracle Valley and Naco are costlier by $91 and $63 respectively for similar homes.

Bisbee, AZ Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 580 6.0% $80
$50,000 to $59,999 269 3.0% $174
$60,000 to $69,999 173 2.0% $211
$70,000 to $79,999 331 3.0% $248
$80,000 to $89,999 431 5.0% $279
$90,000 to $99,999 281 3.0% $311
$100,000 to $124,999 901 10.0% $366
$125,000 to $149,999 603 7.0% $454
$150,000 to $174,999 916 10.0% $541
$175,000 to $199,999 610 7.0% $622
$200,000 to $249,999 1,417 16.0% $752
$250,000 to $299,999 1,126 13.0% $914
$300,000 to $399,999 813 9.0% $1163

Renters Insurance in Bisbee

  • Average Renters Insurance in Bisbee :  $210($17/month)

  • Median Gross Rent in Bisbee :  $756

  • Bisbee Renters Insurance to Median Rent Ratio:  2.25%

  • Renter occupied housing units in Bisbee :  2,165

Bisbee Renters Insurance as a Percentage of Rent

Bisbee Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 64 3.0% $352
$200 to $299 85 4.0% $802
$300 to $499 248 13.0% $1252
$500 to $749 529 28.0% $1927
$750 to $999 360 19.0% $2677
$1,000 to $1,499 423 22.0% $3802
$1,500 or more 173 9.0% $5452

Rent Affordability in Bisbee:

Approximately 47.0% (1,029) of households are spending more than 35% of their income on gross rent in Bisbee

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 222 10.0%
15.0 to 19.9 percent 267 12.0%
20.0 to 24.9 percent 375 17.0%
25.0 to 29.9 percent 208 9.0%
30.0 to 34.9 percent 64 2.0%
35.0 percent or more 1,029 47.0%

Bisbee Renters Insurance Discounts:

Bisbee Renters Insurance Discounts by Number of Vehicles in Renter Occupied Housing Units

Number of Vehicles in Bisbee, AZ Number of Housing Units % of Total Renters Insurance Insurance Savings by Bundling Auto Insurance
1 vehicle available 952 43.0% $21.0
2 vehicles available 726 33.0% $31.5
3 or more vehicles available 259 11.0% $42.0

Protective device discount in Bisbee Up to :  $31

Claims-free discount in Bisbee Up to :  $42

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