Chandler Insurance Rates:

Chandler ,AZ Home Insurance - The cost of homeowners insurance is influenced by a range of factors, including the value of your coverage, deductible, and the construction materials used in your home.

VHome Insurance conducted a thorough analysis of the Chandler, AZ homeowners insurance market, taking into account factors like average costs, range of coverages, deductibles and customer satisfaction ratings to determine the best providers. The Average home insurance cost in Chandler, AZ is $1714. Enter your zipcode below and click “GO” to get multiple free quotes.

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Home Insurance Companies in Chandler, AZ: Customer-Reviewed Options

 

Chandler, AZ Homeowners Insurance Rates by Coverage Level

It is important to understand the different coverage options available in Chandler, AZ. VHome Insurance will help you navigate the world of homeowners insurance coverages in Chandler, AZ.

Coverage Level Average Annual Premium
$100,000 $686
$200,000 $1,166
$300,000 $1,440
$400,000 $2,194
$500,000 $2,760

 

Chandler, AZ Homeowners Insurance Rates by ZIP Code

Home insurance costs in Chandler can vary greatly based on location. The frequency of claims in your area can affect the cost of your policy. Simply put, the location of your home can significantly impact your homeowners insurance premium.

Zipcode Average Insurance Premium
085249 $1,665
85226 $1,610
85224 $1,582
85225 $1,572

 

Chandler, AZ Homeowners Insurance Deductibles

One key aspect of your policy is the deductible, which is the amount you pay out of pocket before your insurance kicks in. Choosing the right deductible can have a major impact on your insurance premiums and overall savings. In this guide, we'll help you understand the options available for homeowners insurance deductibles in Chandler, AZ, and how to choose the right one for your needs.

Deductible Level Average Annual Premium
$500 Deductible $1,757
$1000 Deductible $1,572
$1500 Deductible $1,483
$2500 Deductible $1,337
$5000 Deductible $1,131

 

 


Top Home Insurance Agents Near Chandler, AZ

Home Insurance Company Near Chandler, AZ Homeowners Insurance Agency Near Chandler, AZ Address
NA Ibis Insurance Services, Inc. 2520 E University Dr 2520 E University Dr, Tempe, AZ, 85281
Travelers Kerth Insurance & Associates 34225 N 27TH DR BLDG 5 STE 138, PHOENIX, AZ, 85085
Allstate Kirk Schermann 1835 W Chandler Blvd Ste 201, Chandler, AZ, 85224
Liberty Mutual Independent Professional Insurance Strategies Llc 6708 W BETHANY HOME RD, GLENDALE, AZ, 85303
Allstate Steven Terry 10411 E McDowell Mountain Ranch Rd Ste 100, Scottsdale, AZ, 85255

Chandler, AZ Home Insurance Agents for Top Companies

 

Chandler, AZ Auto & Homeowners Insurance Bundling Discounts

Place 1 Car Bundle Savings On Insurance 2 Car Bundle Savings On Insurance 3 Car Bundle Savings On Insurance
Gilbert town, Arizona $80 $106 $159
Queen Creek town, Arizona $80 $106 $159
Sun Lakes CDP, Arizona $80 $106 $159

 


Chandler, AZ Area Home Insurance as a % of Housing Cost

PlaceHome insurance as a % of housing cost for homes with mortgageHome insurance as a % of housing cost for homes without mortgage
Chandler, AZ3.0%12.7%
Gilbert2.94%11.45%
Queen Creek2.53%11.66%
Sun Lakes4.09%13.91%

Chandler Renters Insurance as a Percentage of Rent

Chandler Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$300 to $499 542 1.0% $1240
$500 to $749 3,030 7.0% $1915
$750 to $999 9,303 24.0% $2665
$1,000 to $1,499 17,495 45.0% $3790
$1,500 or more 7,781 20.0% $5440

Cost Of Homeowners Insurance By Street Near Chandler, AZ

Streets in Chandler Area Homeowners Insurance Cost
W la Vieve Ln, S Desert Flower Dr, S Rochester Dr, E Nunnely Rd, E Cll de Arcos, S Illinois Pl, E Toledo Ct, W Brooks Ct, Mack Ave, S Osborn Ln$619
S 184th Pl, W Highland Dr, 182nd Pl, E Red Oak Ln, W Carla Vista Ct, S Gardner Dr, Bautista Rd, S Rock St, S Joslyn Ln, S Wade Dr$650
S Pecos Ranch Dr, S Marion Way, S Maple Dr, S Via Arry, S Summit Ct, E Poco Calle, E Estrella Rd, N Blackstone Dr, N Lisbon Ave, 176th Pl$675
S Gillette Ct, S Verbena Ave, S Robins Way, W Gail Ct, S Fairview Ln, E Weatherby Way, W Marlin Pl, N Harmon Ct, Janelle Way, N Sunland Dr$666
E Waterman St, S Commonwealth Cir, Chickadee Rd, W Jupiter Way, E Portola Valley Dr, S Tower Ave, E Pecan Dr, E Willis St, S 157th Ave, S Briarcrest Dr$617
E Sunrise Way, S 119th St, S Lawndale Pl, S 183rd Pl, S Pheasant Dr, W Bluejay Dr, N Temple St, S Teakwood Dr, S 196th St, Mulberry$653
E Yellowstone Pl, E Rockwell Dr, W Myrna Ln, S 185th St, E Starflower Dr, N Albert Dr, N Jesse St, E Kingbird Ct, E Superstition Ct, E Hawk Pl$633
S Pearl Pl, E Regal Ct, S Rocky Brook Dr, S Robins Way, E el Dorado Ln, E Sports Ct, E Cherrywood Dr, W Browning Way, S Voyager Dr, S 220th St$686
Valencia St, S Sailfish Dr, Donato Dr, W Highland St, S 187th Pl, S Johnson Way, S Ashley Ct, N Concord Ave, S Cedar Waxwing Dr, W Mead Pl$652
S Claiborne Ave, S Sunland Dr, W Warner Ranch Dr, E Isaiah Ct, S Edgewater, S Trophy Ct, S Four Peaks Blvd, S Ash Dr, E Rainbow Dr, S Red Rock St$643

Chandler, AZ Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Chandler$95 to $98
Gilbert$95
Goodyear Village$90
Lower Santan Village$87

Average Cost Of Home Insurance By Company In Areas Nearby Chandler For Different Scenarios

Home value ($) Construction type Coverage Company Average homeowners insurance premium ($)
Other structure coverage ($) Contents coverage ($) Additional living expenses coverage ($)
300,000 Frame 30,000 225,000 60,000 American Commerce Ic 891
300,000 Masonry 30,000 225,000 60,000 American Strategic Ins Corp 740
500,000 Masonry 50,000 375,000 100,000 Armed Forces Ins Exchange 1,379
500,000 Frame 50,000 375,000 100,000 Badger Mutual Ic 1,412
500,000 Masonry 50,000 375,000 100,000 California Cas Ind Exchange 1,788
100,000 Frame 10,000 75,000 20,000 Country Mutual Ic 569
300,000 Frame 30,000 225,000 60,000 Electric Ic 1,431
300,000 Frame 30,000 225,000 60,000 Encompass P&C Co 786
300,000 Frame 30,000 225,000 60,000 Pacific Ind Co 1,683
100,000 Frame 10,000 75,000 20,000 Secura Supreme Ic 345

 


Chandler, AZ Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$600$1,600
Yearly Chandler Homeowner Insurance Premium Example $900$700
Out of Pocket Expense During Claim$600$1,600
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $7,800$7,200
Net Savings to Chandler Home Owner from High Deductible Plan $600

 


Chandler, AZ Home Insurance Costs With Home Replacement Value Scenarios

Scenario Chandler, AZ Home Replacement Value MORE than Home Value Chandler, AZ Home Replacement Value LESS than Home Value
Replacement Value $568,500 $352,000
Insurance Premium based on Replacement Value $1,875 $1,150
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $99,000 Risk Exposure from Under Insuring Coverage is $117,500
Premium Impact Insurance cheaper by $375/year Insurance costlier by $350/year

 


Example Chandler Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company AllstateAmica Mutual Insurance CompanyAmerican Family Insurance
Monthly Premium 366084
Year Built 200019912014
Home Details 3 Beds, 1 Baths4 Beds, 1 Baths5 Beds, 4 Baths
Coverage Amount $250000-$300000$300000-$350000$700000-$800000
Deductible > $10,000 Deductible$2500-$5000 Deductible> $10,000 Deductible