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.
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 |
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 |
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 |
| Home Insurance Company Near Chandler, AZ | Homeowners Insurance Agency Near Chandler, AZ | Address |
|---|---|---|
| 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 |
| NA | Ibis Insurance Services, Inc. | 2520 E University Dr 2520 E University Dr, Tempe, AZ, 85281 |
| 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 |
| Place | Home insurance as a % of housing cost for homes with mortgage | Home insurance as a % of housing cost for homes without mortgage |
|---|---|---|
| Chandler, AZ | 3.0% | 12.7% |
| Gilbert | 2.94% | 11.45% |
| Queen Creek | 2.53% | 11.66% |
| Sun Lakes | 4.09% | 13.91% |
| 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 |
| 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 |
| Place | Savings For Senior Occupied Homes |
|---|---|
| Chandler | $95 to $98 |
| Gilbert | $95 |
| Goodyear Village | $90 |
| Lower Santan Village | $87 |
| Home value ($) | 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 |
| Low Deductible | High 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 | |
| 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 |
| Insurance Company | Allstate | Amica Mutual Insurance Company | American Family Insurance |
| Monthly Premium | 36 | 60 | 84 |
| Year Built | 2000 | 1991 | 2014 |
| Home Details | 3 Beds, 1 Baths | 4 Beds, 1 Baths | 5 Beds, 4 Baths |
| Coverage Amount | $250000-$300000 | $300000-$350000 | $700000-$800000 |
| Deductible | > $10,000 Deductible | $2500-$5000 Deductible | > $10,000 Deductible |