Flagstaff Insurance Rates:

Flagstaff, AZ homeowners insurance is about $551 to $750, about $45-$62/month. Our exhaustive guide reveals consumers can save upto $260 by comparing many quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

Shelter Insurance
I like the ability to do business with a local agent because they get to know you on a more personal level.
Allstate
Anytime i have had an issue, they were always available and ready to assist in the matter in a timely manner.
Nationwide.
When our groundwater pipe broke we were able to gain coverage from our insurance company with no problems from the company.

Flagstaff, AZ Homeowners Insurance By Home Value

Flagstaff, AZ Home Value Total Homes % of Total Average Flagstaff, AZ Homeowners Insurance
Less than $50,000 1,123 7.0% $52
$70,000 to $79,999 178 1.0% $169
$80,000 to $89,999 264 1.0% $188
$100,000 to $124,999 546 3.0% $247
$125,000 to $149,999 521 3.0% $312
$150,000 to $174,999 830 5.0% $371
$175,000 to $199,999 1,060 7.0% $429
$200,000 to $249,999 2,571 18.0% $514
$250,000 to $299,999 2,981 21.0% $631
$300,000 to $399,999 3,865 27.0% $800

Top Home Insurance Agents Near Flagstaff, AZ

Home Insurance Company Near Flagstaff, AZ Homeowners Insurance Agency Near Flagstaff, AZ Address
Farmers Dan Hakes 2501 N 4th St Ste 3, Flagstaff, AZ, 86004
Liberty Mutual Independent Flagstaff Insurance Inc 1300 E BUTLER AVE STE 100, FLAGSTAFF, AZ, 86001
State Farm Melissa Cripps 2677 E 7th Ave Ste 3, Flagstaff, AZ, 86004-3739
State Farm Richard Sanchez 1515 E Cedar Ave Ste A-4, Flagstaff, AZ, 86004-1630
Allstate Thomas Zvonek 702 S Main St, Cottonwood, AZ, 86326

Cost Of Homeowners Insurance By Street Near Flagstaff, AZ

Streets in Flagstaff Area Homeowners Insurance Cost
Pinto Rd, S Leroux St, Frontage Rd, Kron Dr, N Tournament Dr, Choctaw St, N Kristin Dr, Valley View Dr, Lucerne Rd, N Rain Valley Rd$614
Lynx Dr, Centerline Blvd, Joe Dolan, E Spring Valley Rd, S Burlington St, Lake View Dr, E Morningside Rd, N Jo Don Rd, Leisure Dr, Garden Center Ln$624
Heckethorn Rd, Seneca St, N Boldt Dr, E Indian Paintbrush, FS Rd 561, Bowstring Dr, S House Rock Trl, N Buena Vista Trl, Jims Rd, Rimrock Pl$643
Buck Ridge Dr, Buck Mountain Rd, N Lomalai Ln, Charm Rd, Alma Rd, E Hunt Ave, N Datura Rd, Buckskin Trl W, Silver Saddle Rd, E Trevor Way$615
Friar Tuck Trl, Rimrock Rd, N Zady Ln, S Elden St, N Owl Rd, O St, Raeth Dr, Wildcat Trl, N Slippery Rock Rd, Knoll Dr$616
E Village Cir, W Saunders Dr, Elk Loop, Inez Dr, Pocono Dr, N Broken Arrow Rd, Orchard Ln, Thunder Ridge Rd, Ross Rd, Miranda Way$616
Schnebly Hill Rd, Bowdar Rd, Jay Ln, S Pulliam Dr, Desert Vw, E Snowshoe Way, Winding Trail Pl, W Pollo Cir, N Killearn Way, Scenic Dr$618
N Mars Dr, E Jacob Way, N Paradise Rd, Horseshoe Acres Rd, Kletha Ovi, E Franklin Ave, E Commerce Ave, E Rinker Cir, N Forest View Dr, Juniper Ln$633
Herman Rd, Griffiths Spring, Pintail Dr, S Hot Rod Aly, E Huntington Dr, W Wolf Ln, Oak Ridge Ln, Navajo Dr, N Dyer St, Beckwith$614
E Elm Ave, Thompson St, Dewey Rd, S Second Ave, Cactus Dr, Elliot St, W Fir Ave, Bird Song Way, Herold Ranch Rd, Juniper$645

Flagstaff, AZ Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Flagstaff$97 to $99
Doney Park$97
Mountainaire$96
Kachina Village$94

Flagstaff, 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
Doney Park CDP, Arizona $98 $130 $195
Mountainaire CDP, Arizona $97 $129 $194
Kachina Village CDP, Arizona $95 $126 $189

Flagstaff, 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
Flagstaff, AZ3.3%13.7%
Doney Park2.86%14.55%
Mountainaire3.48%13.7%
Kachina Village4.52%16.16%

Flagstaff Renters Insurance as a Percentage of Rent

Flagstaff Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 143 1.0% $781
$300 to $499 487 3.0% $1231
$500 to $749 2,277 16.0% $1906
$750 to $999 3,869 28.0% $2656
$1,000 to $1,499 5,326 38.0% $3781
$1,500 or more 1,528 11.0% $5431

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

Home value ($) Construction type Coverage Company Average homeowners insurance premium ($)
Other structure coverage ($) Contents coverage ($) Additional living expenses coverage ($)
500,000 Frame 50,000 375,000 100,000 Amica Mutual Ic 1,153
300,000 Frame 30,000 225,000 60,000 Badger Mutual Ic 655
300,000 Masonry 30,000 225,000 60,000 California Cas Ind Exchange 914
100,000 Masonry 10,000 75,000 20,000 Country Mutual Ic 586
300,000 Frame 30,000 225,000 60,000 Country Mutual Ic 1,155
500,000 Frame 50,000 375,000 100,000 Farm Bureau P&C Ic 1,477
300,000 Frame 30,000 225,000 60,000 First American P&C Ic 665
100,000 Masonry 10,000 75,000 20,000 Mercury Cas Co 309
300,000 Masonry 30,000 225,000 60,000 Pekin Ic 615
300,000 Masonry 30,000 225,000 60,000 Privilege Underwriters Reciprocal Exchange 1,430

Flagstaff, AZ Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$600$2,600
Yearly Flagstaff Homeowner Insurance Premium Example $1,400$1,000
Out of Pocket Expense During Claim$600$2,600
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $11,800$10,600
Net Savings to Flagstaff Home Owner from High Deductible Plan $1,200

Flagstaff, AZ Home Insurance Costs With Home Replacement Value Scenarios

Scenario Flagstaff, AZ Home Replacement Value MORE than Home Value Flagstaff, AZ Home Replacement Value LESS than Home Value
Replacement Value $211,500 $128,500
Insurance Premium based on Replacement Value $575 $350
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $34,000 Risk Exposure from Under Insuring Coverage is $49,000
Premium Impact Insurance cheaper by $125/year Insurance costlier by $100/year

Example Flagstaff Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Amica Mutual Insurance CompanyAmerican Family InsuranceChubb Group of Insurance
Monthly Premium 4570165
Year Built 200619842012
Home Details 3 Beds, 2 Baths4 Beds, 1 Baths5 Beds, 1 Baths
Coverage Amount $250000-$300000$400000-$500000$500000-$600000
Deductible $1000-$2500 Deductible> $10,000 Deductible$500 Deductible

Sample Home Insurance Rates for Flagstaff, AZ from Consumer Reviews & Surveys

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1993 540,000 Tile Roof 3,540 5 $1000-$2500 Deductible 1010 12 Fiber-Cement Siding No
2012 320,000 Composition Roof 2,360 3 $5000 to $10,000 Deductible 560 12 Stucco siding No
2008 360,000 Wood Shake Roof 2,070 5 > $10,000 Deductible 380 8 Brick siding yes
1983 410,000 Metal Roof 2,630 4 $1000-$2500 Deductible 640 6 Fiber-Cement Siding No
2011 350,000 Shingles Roof 2,270 5 $1000-$2500 Deductible 120 2 Vinyl siding yes
1981 325,000 Asphalt Shingles Roof 2,610 5 $500 Deductible 700 8 Wood siding yes
1997 450,000 Metal Roof 2,900 4 > $10,000 Deductible 100 2 Wood siding No
1984 255,000 Metal Roof 1,520 3 > $10,000 Deductible 260 7 Wood siding yes
1999 200,000 Slate Shingles Roof 1,610 5 > $10,000 Deductible 150 4 Brick siding No
2012 385,000 Asphalt Shingles Roof 2,510 4 $2500-$5000 Deductible 130 2 Stucco siding yes
1995 360,000 Metal Roof 2,180 3 $500 Deductible 120 1 Vinyl siding No
1982 415,000 Shingles Roof 2,700 4 $2500-$5000 Deductible 890 9 Stucco siding No
1987 365,000 Tile Roof 2,210 5 $500- $1000 Deductible 340 4 Brick siding No
1976 290,000 Membrane Roof 1,460 3 $500 Deductible 140 3 Stone Siding No