Lake Havasu City Insurance Rates:

Lake Havasu City, AZ homeowners insurance is roughly $532 to $722, about $44-$60/month. Our comprehensive research shows customers can save upto $250 by comparing different quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

Farmer's Insurance
I shopped around at ALL of the major insurance companies and several of the small ones when I decided to switch insurance companies and they were, BY FAR, the most affordable.
I have not had to make any claims or resolve any billing issues so I have not interacted with their customer service team.
Liberty Mutual
Liberty's insurance policies are great for what me and my family need. They explain what each item is and they do not try to sell me on items I do not need. They are also very competitive on pricing and will match or beat any price.
We needed home insurance and an automobile insurance policy. Allstate offered that to us and we are satisfied with our choices. I am not sure of what kind of other offerings to expect.
State Farm
To me the premium an deductible seem average, however we are receiving more coverage than other competitors for the same or similar pricing.
Liberty Mutual
Due to Liberty Mutual's high deductible and premiums I have not really felt the need to refer the company to anyone. If they were to lower the prices perhaps I would be more likely to recommend.
My premium has saved me an average of $500 per year since it is bundled to include auto insurance. I recently completed online inquiries to see if I could lower my current rate and all of my searches came back with a higher premium.
Farm Bureau
I have never had to file a claim on my insurance but they have always done an amazing job of answering our questions.
American Reliable Insurance Company
I really can't think of any thing i do not like about my insurance company other than perhaps i'd prefer to have a local office a little closer to my home.
I don't like that my rates at time fluctuate for simple reason
Their agents email me each month and give me updates as to the latest promotions in the company. the workers are friendly and quick to respond when i have questions.
It's easy to use and pretty straightforward. Navigation is clear for general payment and policy information. Things get a little bit trickier when you are looking for very specific details or contact information.
American Reliable Insurance Company
I have had difficulty reaching the agent who issued the policy. I have not received other info concerning options such as website login.
I like being able to access my policy on USAA's app anytime I want. It is very convenient to be able to access it whenever I want
The website is not user-friendly. It is not clear when logging in where it is best to go to see statements. There are issues with online payments. The website is not clear about several points of information.
I do have to make a bit of a drive to see my representative, and I do have to make sure she's in the office since I'd rather talk to her than any other representative. However, that's not much of an issue for me. I don't mind making the drive, it's in a wonderful city.
The customer service provided have been excellent, This includes the process of insurance quote and filling all the paperwork to complete the policy.
My premium and deductible is competitively priced when I look at other companies. I usually get the best deal through USAA from what I have experienced.

Lake Havasu City, AZ Homeowners Insurance By Home Value

Lake Havasu City, AZ Home Value Total Homes % of Total Average Lake Havasu City, AZ Homeowners Insurance
Less than $50,000 987 6.0% $75
$50,000 to $59,999 160 1.0% $156
$70,000 to $79,999 207 1.0% $225
$80,000 to $89,999 301 1.0% $257
$90,000 to $99,999 322 2.0% $288
$100,000 to $124,999 1,561 9.0% $338
$125,000 to $149,999 1,442 9.0% $420
$150,000 to $174,999 1,789 11.0% $495
$175,000 to $199,999 1,665 10.0% $576
$200,000 to $249,999 3,008 18.0% $689
$250,000 to $299,999 1,843 11.0% $846
$300,000 to $399,999 2,587 16.0% $1072

Top Home Insurance Agents Near Lake Havasu City, AZ

Home Insurance Company Near Lake Havasu City, AZ Homeowners Insurance Agency Near Lake Havasu City, AZ Address
State Farm Deana Nelson 3880 Stockton Hill Rd Ste 106, Kingman, AZ, 86409-0595
Farmers Lisa Sweet 3317 Highway 95 N, Lake Havasu City, AZ, 86404
State Farm Sasha Ross 820 S California Ave Ste 101, Parker, AZ, 85344-5051
Allstate Southern Ins Agency 1885 Lakeside Dr, Bullhead City, AZ, 86442
Farmers Stanley Stein 2701 E Andy Devine Ave Ste 107, Kingman, AZ, 86401

Lake Havasu City, AZ Home Insurance Agents for Top Companies

Cost Of Homeowners Insurance By Street Near Lake Havasu City, AZ

Streets in Lake Havasu City Area Homeowners Insurance Cost
Claremont Dr, Gypsy Ln, Stallion Ln, Sunny Ridge Dr, Deer Run Ct, Jordan Dr, Aqua Way, S Denise Ln, Yellow Bird Dr, Gatewood Ct$616
Grossman Rd, Marlboro Dr, Bahama Ave, Park Terrace Pl, Gleneagles Dr, Tropic Blvd, S Dale Evans Rd, Canyon View Ln, S Lone Ranger Rd, Hackberry Rd$607
Flint Dr, Wyatt Earp Rd, Hualapai Mountain Rd, Sunken Tree Dr, Sea Ace Ln, Via Linda Rd, Glengarry Pl, Pso Dorado, Graham Rd, Minnow Pl$618
Palomino Dr, Douglas Ln, Leonard Ln, S Turquoise Rd, W Acoma Ln, Murphy Dr, Bluegrass Pl, Rainbow Ave S, Caribbean Dr, Tiburon Ln$628
Silver Saddle Dr, Flying Eagle Rd, Rilito Rd, Hughes Ln, Sombrero Dr, Walapai, Offshore Dr, Chrumb Rd, Back Rd, Aloha Way$606
Pso del Sol, Windup Trl, S Rillito Rd, Wallingford Cir, Dilligaf Rd, Wrangler Ln N, Stone Acre Dr, Kashmir Rd, Sponson Way, Cottonwood Dr$619
Breakwater Ln, Jericho Dr, S Atherton Ln, Walnut Dr, Dayna Dr, Injo Dr, Co Hwy 137, N Latrobe Dr, el Toro Dr, Hoot Owl Ln$619
N Palo Verde Blvd, Jennie Ln, Kingsbury Dr, Palo Verde Blvd N, S Jamaica Blvd, N Swilican Bridge Rd, Big Elk Dr, Laurentide Ln, E Sundown Dr, Diablo Dr$612
S McCarrel Rd, Inverness Cir, Chesapeake Pl, E Azalea Ave, Roy Rd, E Antelope Wells Rd, Golconda, Santa Fe Ranch Rd, E Yucca Dr, Osborn Dr$614
Kiowa Bay, Polaris Dr, S East St, Havasu Heights Rd, Boulder Dr, Maracaibo Ct, Cala Rosa, Chip Dr, Diane Dr, Central$616

Lake Havasu City, AZ Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Lake Havasu City$93 to $96
Pine Lake$99
Lazy Y U$101

Lake Havasu City, 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
Yucca CDP, Arizona $73 $97 $146
Pine Lake CDP, Arizona $83 $111 $166
Lazy Y U CDP, Arizona $85 $113 $169

Lake Havasu City, 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
Lake Havasu City, AZ3.9%15.3%
Lazy Y U4.21%12.76%

Lake Havasu City Renters Insurance as a Percentage of Rent

Lake Havasu City Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 97 1.0% $798
$300 to $499 286 4.0% $1248
$500 to $749 1,971 28.0% $1923
$750 to $999 2,353 34.0% $2673
$1,000 to $1,499 1,830 26.0% $3798
$1,500 or more 347 5.0% $5448

Lake Havasu City, AZ Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Yearly Lake Havasu City Homeowner Insurance Premium Example $700$500
Out of Pocket Expense During Claim$1,600$2,600
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $7,200$6,600
Net Savings to Lake Havasu City Home Owner from High Deductible Plan $600

Lake Havasu City, AZ Home Insurance Costs With Home Replacement Value Scenarios

Scenario Lake Havasu City, AZ Home Replacement Value MORE than Home Value Lake Havasu City, AZ Home Replacement Value LESS than Home Value
Replacement Value $281,500 $192,000
Insurance Premium based on Replacement Value $750 $525
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $31,500 Risk Exposure from Under Insuring Coverage is $58,000
Premium Impact Insurance cheaper by $150/year Insurance costlier by $75/year

Example Lake Havasu City Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Liberty MutualTravelersAmica Mutual Insurance Company
Monthly Premium 664344
Year Built 201320061999
Home Details 3 Beds, 2 Baths4 Beds, 2 Baths3 Beds, 1 Baths
Coverage Amount $250000-$300000$200000-$250000$175000-$200000
Deductible $500 Deductible$2500-$5000 Deductible$1000-$2500 Deductible

Sample Home Insurance Rates for Lake Havasu City, AZ from Consumer Reviews & Surveys

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
2006 205,000 Composition Roof 1,940 3 $5000 to $10,000 Deductible 320 7 Stucco siding yes
2007 375,000 Wood Shake Roof 2,950 4 $500- $1000 Deductible 580 8 Stucco siding yes
1980 370,000 Membrane Roof 2,860 4 $1000-$2500 Deductible 250 4 Wood siding yes
1994 220,000 Tile Roof 2,200 3 $500- $1000 Deductible 380 8 Stone Siding No
2014 190,000 Metal Roof 1,770 3 $500 Deductible 380 8 Fiber-Cement Siding No
1986 205,000 Asphalt Shingles Roof 2,270 3 $1000-$2500 Deductible 140 4 Fiber-Cement Siding yes
1998 245,000 Shingles Roof 2,070 3 $1000-$2500 Deductible 110 2 Vinyl siding yes
2001 195,000 Shingles Roof 2,070 3 $500- $1000 Deductible 700 12 Fiber-Cement Siding yes
1992 270,000 Wood Shake Roof 2,530 4 $500 Deductible 480 6 Stucco siding No
1980 125,000 Wood Shake Roof 1,280 3 $500 Deductible 180 7 Stucco siding No
1984 210,000 Wood Shake Roof 1,660 4 $1000-$2500 Deductible 330 9 Wood siding No
2011 265,000 Membrane Roof 2,890 4 $500 Deductible 480 7 Fiber-Cement Siding yes
1989 280,000 Wood Shake Roof 2,360 3 > $10,000 Deductible 260 6 Vinyl siding yes
2012 295,000 Slate Shingles Roof 2,570 4 $1000-$2500 Deductible 540 7 Vinyl siding yes
2010 255,000 Metal Roof 1,990 3 $500- $1000 Deductible 360 8 Stucco siding yes
2009 235,000 Metal Roof 1,840 3 $5000 to $10,000 Deductible 120 3 Stone Siding No
2009 180,000 Shingles Roof 1,620 4 $500 Deductible 110 3 Wood siding yes
1998 260,000 Asphalt Shingles Roof 1,910 4 $1000-$2500 Deductible 500 9 Stucco siding yes
1990 285,000 Composition Roof 2,400 4 $500 Deductible 730 9 Stucco siding yes
1982 265,000 Composition Roof 2,630 4 $1000-$2500 Deductible 40 1 Fiber-Cement Siding yes
1988 265,000 Asphalt Shingles Roof 2,300 4 $500 Deductible 270 3 Fiber-Cement Siding yes
2014 245,000 Membrane Roof 2,540 4 > $10,000 Deductible 340 9 Wood siding yes
2014 290,000 Asphalt Shingles Roof 3,170 4 $500 Deductible 810 10 Stucco siding No
2000 140,000 Membrane Roof 1,450 3 $500- $1000 Deductible 100 4 Stucco siding yes
1998 215,000 Metal Roof 1,680 3 $2500-$5000 Deductible 330 9 Brick siding yes
1989 150,000 Asphalt Shingles Roof 1,580 3 $500 Deductible 230 7 Vinyl siding yes
1994 145,000 Slate Shingles Roof 1,470 3 $500 Deductible 460 10 Stucco siding yes
1998 260,000 Tile Roof 2,580 4 $2500-$5000 Deductible 230 6 Stucco siding No
1998 240,000 Wood Shake Roof 2,260 3 $5000 to $10,000 Deductible 360 7 Wood siding No
1995 360,000 Membrane Roof 2,630 4 $5000 to $10,000 Deductible 190 3 Fiber-Cement Siding No
1986 210,000 Composition Roof 2,300 3 $5000 to $10,000 Deductible 370 9 Wood siding yes
1995 310,000 Composition Roof 3,030 4 $500 Deductible 590 9 Fiber-Cement Siding yes
2011 215,000 Shingles Roof 1,630 3 > $10,000 Deductible 230 9 Fiber-Cement Siding No

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