Gilbert Insurance Rates:

Gilbert, AZ homeowners insurance is nearly $540 to $733, about $45-$61/month. Our exhaustive analysis indicates shoppers can save upto $254 by comparing multiple quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

Compare Quotes from Top Providers and Save now!

Latest Home Insurance Reviews

USAA has an impressive reputation for providing quality homeowners insurance coverage and customer service, but it's only available to military personnel, veterans, and their families.
We chose USAA because their range of insurance products fit our lifestyle and met our needs for the coverage we wanted to have.
California Casualty
The customer service woman asked me several questions and at the end, I was able to save about $7 per month. She was super friendly and helpful.
I have not had an issue with the insurance company at all. I would recommend their insurance to family and friends if asked.
I would recommend it to others, USAA is only available to those who have served in the US military so that will limit who can get their services.
Farm Bureau
You can pay twice as much for the same insurance with another company as you can at Farm Bureau. You can customize your insurance to what you need without paying for what you don't need.
Farm Bureau
I did alot of research and checked out many different companies, and I feel like this company offers more bang for your buck, They offer discounts and coupons to local places , they offer no claim bonus as well,
Never had a problem with them. I have had insurance with them for years and will most certainly recommend them to others
my company is glowing in this department. My premium is low as is my deductible. I have seen other homeowners caught in crossfires of not being able to secure repairs because they can't afford monthly payments and deductibles.
Farmer's Insurance
I would recommend this to my friend as the company is good and their claim process is very smooth and friendly.
Liberty Mutual
Honestly, i can not think of anything that i do not like about liberty mutual other than i have tried in the past to have them quote my car insurance so that i could receive a multi-policy discount and they just are not competitive in that market.
Farmer's Insurance
The farmers insurance is a high cost on your second time's buying, after the first time buying, the agent is up to insurance cost.
State Farm
They are one of the biggest and most reputable companies and i know if a major catastrophe happens they have the resources to act quickly.
State Farm
The fact that there are local agents available to service and handle claims is very lucrative. My local agent knows my name and my information. The local agent has been available to me directly for the past decade.
American Family
I like that my insurance company is easy to communicate with and get a fast solution out of. they work with you to fully understand your questions and concerns and do what they can to solve the issue(s).
State Farm
At this point in time we have no dislikes on the company. Once our car insurance premiums are to the lowest and tickets have dropped off the records we are considering changing to shop around for discounts.
Country Financial
I like how easy their access is and how easy it is for me to contact them. Their website is also easy to navigate
Interactions are amazing with USAA. I never have any problems making claims or dealing with payments. They are very quick to respond to me.
California Casualty
I don't find them with the complete information required. I need to speak a lot to get them understand what I want.
Farm Bureau
I like the fact that it has an alternative chat area to contact the company after hours.
The insurance is affordable and they make it easy to pay my bill. I like being able to pay online. I prefer not to talk to people.
In general, we get monthly updates on loans, insurance policies, although we did have a little difficulty determining the cause of a problem with our escrow payments that was something that wasn't really the company's fault.
I wish there was something I could write down here, but in all honesty, there isn't much bad I can say about USAA. they have always been great.
State Farm
The impersonal ads are really the only downsides to the service. It is slightly expensive but certainly less than not being covered or being covered by a cheaper option and not having as many benefits, in fact, there are very few things that I do not like about this company because I always receive the best of the people who work in this company
Our homeowner's insurance company is responsive to inquiries, they work hard to give us the most value for our premium. I feel I can trust their policy as I have read through it and feel confident it would cover our needs in the event of an issue.
State Farm
I would recommend this company for home insurance. They have good customer service and their prices are very competitive.
The companies have sub-par customer service and really needs to update their technology for younger generations.
I would recommend this company specifically if you are military affiliated and looking for a company who understands your unique needs and life situations.
California Casualty
I would recommend this company to family and friends because of the great customer service and reasonable rates. Also, because we have not had any issues with claims.
USAA has provided a number of services to me over the years and I am satisfied overall with them all. I feel a sense of loyalty to them because I feel like they treat me well and are responsive.
I like the company overall due to the great customer services and low premium, and they are always there for anything I need and they make it very easy.
State Farm
I would have to say how sometimes they go up on deals and I dont like that at all and how they change things around which makes it hard for me to save but when I talk to them they are good at keeping me on a good plan

Gilbert, AZ Homeowners Insurance By Home Value

Gilbert, AZ Home Value Total Homes % of Total Average Gilbert, AZ Homeowners Insurance
$90,000 to $99,999 442 1.0% $254
$100,000 to $124,999 2,056 4.0% $292
$125,000 to $149,999 3,447 7.0% $368
$150,000 to $174,999 6,073 14.0% $438
$175,000 to $199,999 4,853 11.0% $502
$200,000 to $249,999 9,713 22.0% $604
$250,000 to $299,999 7,783 17.0% $737
$300,000 to $399,999 8,054 18.0% $941

Top Home Insurance Agents Near Gilbert, AZ

Home Insurance Company Near Gilbert, AZ Homeowners Insurance Agency Near Gilbert, AZ Address
NA Veros Insurance Group, Llc 2855 E Brown Rd Ste 2, Mesa, AZ, 85213
Travelers All-Lines Insurance Agency 2201 S MCCLINTOCK DR STE 1, TEMPE, AZ, 85282
Liberty Mutual Independent Lafayette Barr & Assoc Inc 1550 E Missouri Ave Ste 104, Phoenix, AZ, 85014
Travelers Pinnacle Insurance Group 17933 E SANOQUE BLVD, GILBERT, AZ, 85298
State Farm Randy Eller 7050 W Chndlr Blvd Ste 4, Chandler, AZ, 85226-3242

Gilbert, AZ Home Insurance Agents for Top Companies

Cost Of Homeowners Insurance By Street Near Gilbert, AZ

Streets in Gilbert Area Homeowners Insurance Cost
S Bay Dr, E Andre Ave, E Betsy Ct, S San Benito Dr, W Hackamore Ave, S Islands Dr, S 174th Pl, N Larkspur St, E Sycamore Dr, W Starfish Dr$643
Tonto Dr, E Raven Way, E Rainbow Dr, E Tyson Ct, E Santa Fe Ln, S Honeysuckle Ln, E Towne Ln, E Pickett Ct, N Kiowa Ave, 300 W$654
E Merrill Ave, E Gondola Ln, S Faun Ct, W Sands Ct, E Baars Way, E Cotton Ct, E Campbell Rd, E Vosler Cir, E Los Altos Rd, W Golden Key St$652
S Spartan Cir, N Cole Dr, E Breckenridge Way, N Elizabeth Dr, St Paul, S Redrock St, W Horseshoe Ave, Sinova Ct, E Lafayette Ave, W Houston Ave$635
N San Angelo Ave, S Oakwood Way, Swan Dr, E Cll de Flores, S Owl Dr, W Amoroso Dr, S 138th St, S Maple, S 176th Way, E Blue Spruce Ln$646
S Posse Trl, S Bridgegate Dr, S Honeysuckle Ln, E Dogwood Dr, S Bridalvail Dr, E Flamingo Way, E Bartlett Dr, Sunset Bay Dr, S Somerset, N Cottonwood St$655
E Aloe Pl, N Explorer Dr, N Porter Pl, N Explorer Dr, S 141st St, N Golden Key St, W Seaweed Dr, W Silver Creek Rd, E Macaw Ct, S Pablo Pass Ct$643
W Shamrock St, S Maverick Ct, W Ensueno St, E Gail Ct, W Vaughn Ave, S Nielson St, N Sierra Ave, S Sahuaro St, Tucana Ln, E Locust$662
S Seawynds Blvd, E Kyle Ct, E Mariposa Pl, N la Arboleta St, Harmony, S Sandal, Malabar Ln, E Mayberry Ct, E Olney Ct, N Sinova Ct$633
S Pheasant Dr, S Creston, E Isaiah Ave, E Century Ave, S Larkspur St, S Kolb St, E North Shore, E Ironhorse Rd, S Clubhouse Dr, N Marble St$622

Gilbert, AZ Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Gilbert$95 to $97
Goodyear Village$90

Gilbert, 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
Chandler CCD, Maricopa County, Arizona $95 $127 $191
Mesa city, Arizona $92 $123 $185
Queen Creek town, Arizona $95 $127 $191

Gilbert, 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
Gilbert, AZ2.9%11.5%
Queen Creek2.53%11.66%

Gilbert Renters Insurance as a Percentage of Rent

Gilbert Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$500 to $749 1,520 8.0% $1916
$750 to $999 3,453 18.0% $2666
$1,000 to $1,499 8,212 44.0% $3791
$1,500 or more 5,024 27.0% $5441

Average Cost Of Home Insurance By Company In Areas Nearby Gilbert 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 American Automobile Ic 1,488
500,000 Masonry 50,000 375,000 100,000 American Summit Ic
300,000 Masonry 30,000 225,000 60,000 Century-National Ic 912
300,000 Masonry 30,000 225,000 60,000 Encompass P&C Co 754
300,000 Masonry 30,000 225,000 60,000 Farmers Ins Exchange 813
100,000 Frame 10,000 75,000 20,000 First American P&C Ic 337
500,000 Masonry 50,000 375,000 100,000 Pacific Specialty Ic 1,428
300,000 Frame 30,000 225,000 60,000 Pekin Ic 638
300,000 Frame 30,000 225,000 60,000 Union Ic Of Providence 1,115
500,000 Masonry 50,000 375,000 100,000 Union Ic Of Providence 1,808

Gilbert, AZ Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Yearly Gilbert Homeowner Insurance Premium Example $800$600
Out of Pocket Expense During Claim$1,600$2,600
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $8,000$7,400
Net Savings to Gilbert Home Owner from High Deductible Plan $600

Gilbert, AZ Home Insurance Costs With Home Replacement Value Scenarios

Scenario Gilbert, AZ Home Replacement Value MORE than Home Value Gilbert, AZ Home Replacement Value LESS than Home Value
Replacement Value $392,000 $290,500
Insurance Premium based on Replacement Value $975 $725
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $36,000 Risk Exposure from Under Insuring Coverage is $65,500
Premium Impact Insurance cheaper by $150/year Insurance costlier by $100/year

Example Gilbert Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company State FarmAmica Mutual Insurance CompanyLiberty Mutual
Monthly Premium 529077
Year Built 200919902011
Home Details 3 Beds, 1 Baths4 Beds, 1 Baths5 Beds, 2 Baths
Coverage Amount $300000-$350000$350000-$400000$400000-$500000
Deductible $5000 to $10,000 Deductible$500 Deductible$5000 to $10,000 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
2008 325,000 Composition Roof 2,740 5 $1000-$2500 Deductible 320 4 Stone Siding No
1993 390,000 Slate Shingles Roof 3,380 4 $2500-$5000 Deductible 630 10 Stone Siding No
2013 215,000 Tile Roof 1,710 4 > $10,000 Deductible 290 10 Vinyl siding yes
1999 465,000 Membrane Roof 3,160 5 $2500-$5000 Deductible 1130 12 Stone Siding yes
2008 255,000 Membrane Roof 2,070 3 $500- $1000 Deductible 190 3 Vinyl siding yes
1995 160,000 Slate Shingles Roof 1,460 3 $1000-$2500 Deductible 240 6 Stucco siding No
2014 220,000 Metal Roof 1,690 3 > $10,000 Deductible 360 12 Stone Siding No
2013 375,000 Slate Shingles Roof 3,260 4 $2500-$5000 Deductible 360 5 Stucco siding No
1998 360,000 Membrane Roof 3,050 4 $5000 to $10,000 Deductible 200 5 Wood siding yes
2011 305,000 Tile Roof 2,130 5 $2500-$5000 Deductible 630 8 Stucco siding yes
1999 215,000 Shingles Roof 1,600 3 $1000-$2500 Deductible 80 2 Brick siding yes
2007 280,000 Shingles Roof 2,110 3 $500 Deductible 540 7 Fiber-Cement Siding yes
2004 280,000 Slate Shingles Roof 2,360 5 $500 Deductible 70 1 Wood siding yes
1990 405,000 Composition Roof 2,800 4 $5000 to $10,000 Deductible 740 10 Vinyl siding No
1991 225,000 Slate Shingles Roof 1,820 3 $2500-$5000 Deductible 250 6 Stone Siding yes
2011 235,000 Composition Roof 1,620 5 $2500-$5000 Deductible 280 9 Stone Siding No
2005 525,000 Metal Roof 4,990 5 $2500-$5000 Deductible 1340 10 Fiber-Cement Siding No
1995 315,000 Wood Shake Roof 2,770 5 $2500-$5000 Deductible 500 9 Brick siding yes
2014 130,000 Tile Roof 1,240 3 $2500-$5000 Deductible 140 5 Stone Siding yes
2011 165,000 Metal Roof 1,390 3 $1000-$2500 Deductible 50 2 Wood siding No
2009 235,000 Shingles Roof 1,730 3 $5000 to $10,000 Deductible 330 10 Brick siding yes
2013 405,000 Metal Roof 3,470 5 $2500-$5000 Deductible 820 8 Stone Siding yes
2013 235,000 Composition Roof 1,540 5 $500 Deductible 410 6 Fiber-Cement Siding No
2010 230,000 Shingles Roof 2,210 3 $5000 to $10,000 Deductible 260 8 Wood siding No
2011 190,000 Slate Shingles Roof 1,570 5 $5000 to $10,000 Deductible 490 12 Vinyl siding No
2007 205,000 Wood Shake Roof 1,990 4 $500 Deductible 250 4 Wood siding yes
1991 290,000 Membrane Roof 2,300 3 $500- $1000 Deductible 180 4 Fiber-Cement Siding yes
2011 630,000 Asphalt Shingles Roof 4,380 5 > $10,000 Deductible 110 1 Stucco siding yes
2000 285,000 Wood Shake Roof 2,310 4 $500- $1000 Deductible 580 10 Brick siding yes
2001 470,000 Wood Shake Roof 3,420 5 $1000-$2500 Deductible 590 7 Wood siding No
2000 200,000 Wood Shake Roof 1,675 2 $5000 to $10,000 Deductible 120 2 Stucco siding yes

How To Make Your Gilbert, AZ Home Insurance Cheaper

How Much Does Gilbert, AZ Home Insurance Cost?