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.
| Home Insurance Company Near Flagstaff, AZ | Homeowners Insurance Agency Near Flagstaff, AZ | Address |
|---|---|---|
| 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 |
| 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 |
| 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 |
| Place | Home insurance as a % of housing cost for homes with mortgage | Home insurance as a % of housing cost for homes without mortgage |
|---|---|---|
| Flagstaff, AZ | 3.3% | 13.7% |
| Doney Park | 2.86% | 14.55% |
| Mountainaire | 3.48% | 13.7% |
| Kachina Village | 4.52% | 16.16% |
| 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 |
| 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 |
| Place | Savings For Senior Occupied Homes |
|---|---|
| Flagstaff | $97 to $99 |
| Doney Park | $97 |
| Mountainaire | $96 |
| Kachina Village | $94 |
| Home value ($) | 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 |
| Low Deductible | High 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 | |
| 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 |
| Insurance Company | Amica Mutual Insurance Company | American Family Insurance | Chubb Group of Insurance |
| Monthly Premium | 45 | 70 | 165 |
| Year Built | 2006 | 1984 | 2012 |
| Home Details | 3 Beds, 2 Baths | 4 Beds, 1 Baths | 5 Beds, 1 Baths |
| Coverage Amount | $250000-$300000 | $400000-$500000 | $500000-$600000 |
| Deductible | $1000-$2500 Deductible | > $10,000 Deductible | $500 Deductible |