Mesa ,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 Mesa, 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 Mesa, AZ is $1652. Enter your zipcode below and click “GO” to get multiple free quotes.
It is important to understand the different coverage options available in Mesa, AZ. VHome Insurance will help you navigate the world of homeowners insurance coverages in Mesa, AZ.
| Coverage Level | Average Annual Premium |
|---|---|
| $100,000 | $661 |
| $200,000 | $1,123 |
| $300,000 | $1,388 |
| $400,000 | $2,115 |
| $500,000 | $2,660 |
Home insurance costs in Mesa 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 |
|---|---|
| 085207 | $1,612 |
| 85215 | $1,581 |
| 85212 | $1,625 |
| 85213 | $1,594 |
| 85203 | $1,577 |
| 85202 | $1,560 |
| 85206 | $1,547 |
| 85210 | $1,545 |
| 85205 | $1,547 |
| 85201 | $1,528 |
| 85204 | $1,546 |
| 85208 | $1,518 |
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 Mesa, AZ, and how to choose the right one for your needs.
| Deductible Level | Average Annual Premium |
|---|---|
| $500 Deductible | $1,694 |
| $1000 Deductible | $1,515 |
| $1500 Deductible | $1,429 |
| $2500 Deductible | $1,289 |
| $5000 Deductible | $1,090 |
| Home Insurance Company Near Mesa, AZ | Homeowners Insurance Agency Near Mesa, AZ | Address |
|---|---|---|
| NA | Auto Insurance Specialist | 888 E Jimmie Kerr Blvd Casa Grande, Casa Grande, AZ, 85122 |
| GEICO | John Nix | 9515 West Camelback Road, Suite 134, Phoenix, AZ, 85037 |
| State Farm | Pam Johnson | 1489 S Higley Rd Ste 105, Gilbert, AZ, 85296-5049 |
| Travelers | Southwind Insurance Agency Inc | 2169 E Warner Road Suite 103, Tempe, AZ, 85284 |
| Nationwide | Thomas J Mazur | 7121 W Bell Rd Suite 30-L, Glendale, AZ, 85308-8559 |
| 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 |
| Chandler CCD, Maricopa County, Arizona | $80 | $106 | $159 |
| Apache Junction city, Arizona | $74 | $99 | $148 |
| Place | Home insurance as a % of housing cost for homes with mortgage | Home insurance as a % of housing cost for homes without mortgage |
|---|---|---|
| Mesa, AZ | 3.5% | 13.0% |
| Gilbert | 2.94% | 11.45% |
| Chandler | 2.97% | 12.74% |
| Apache Junction | 4.25% | 14.5% |
| Mesa Home By Monthly Rent | Total Homes | % of Total | Estimated Monthly Income To Afford Rented House Including Renters Insurance |
|---|---|---|---|
| $300 to $499 | 1,685 | 2.0% | $1257 |
| $500 to $749 | 16,277 | 27.0% | $1932 |
| $750 to $999 | 20,278 | 34.0% | $2682 |
| $1,000 to $1,499 | 15,604 | 26.0% | $3807 |
| $1,500 or more | 4,920 | 8.0% | $5457 |
| Streets in Mesa Area | Homeowners Insurance Cost |
|---|---|
| N Reseda, E Summer Place Ter, E Vest Ave, W Laguna Azul Ave, S 82nd Way, N Orange Cir, N 117th Pl, E Paloma Ave, E Juniper Cir, N St Claire Cir | $620 |
| E Rochelle St, E Jarvis Ave, N Date St, S 82nd Pl, S Sagewood Cir, Christine Pl, E Sunview, S Las Palmas, W Esplanade St, N el Sereno Cir | $606 |
| N Hibbert, E Orion Cir, S Laramie, S Lee Cir, N Casa Carranza, N Cherry, N Athena, E Senoia Cir, W Dobson Village, W Meseto Ave | $694 |
| W Olla Ave, N Cabot St, E Dewberry Cir, N Ebony, N May, W Drew St, Hunt's Trl, E Carmel Cir, E Sorpresa, E Camelot Dr | $632 |
| N Edgemont, E Hazelwood Pkwy, S Tobin, N Esther St, W Lobo Cir, E Obispo Ave, E Ingram Cir, E Pebble Dr, W Emelita, S Yale | $605 |
| N Dodge St, 89th St, S Sabrina, Casada Ct, W Dobson Greens, N Travis Cir, S Wattlewood Cir, S Cholla, Anozira S Pkwy, Seton | $644 |
| S Ogden Cir, S Labelle, N Emerson St, E el Paso St, N Silverton, N Los Alamos, N Santiago, N 95th Cir, S Stewart Cir, N Barron | $614 |
| W 11th St, E Quenton Dr, W Sunrise Blvd, S 85th St, E Sandia St, 1200 N, S Hunt Dr, 1600 E, E Whitefish Bay Cir, N Olympic Cir | $636 |
| N Jade Cir, San Remo, S Seton, W Newton Ct, S 87th Pl, Foxdale Aoe, S Evangeline Ave, W Longmore Est Condos S, E Reese Ave, N Mission Cove Ln | $628 |
| S Pioneer, N Chilcott Ct, S Udall, S Price Rd N, Superstition Springs Blvd, E Kings Ct, E Fountain Cove, Eastern Csr, N Raven, W Merrill Ln | $603 |
| Place | Savings For Senior Occupied Homes |
|---|---|
| Mesa | $92 to $94 |
| Gilbert | $95 |
| Apache Junction | $89 |
| Salt River | $88 |
| Home value ($) | Construction type | Coverage | Company | Average homeowners insurance premium ($) | ||
|---|---|---|---|---|---|---|
| Other structure coverage ($) | Contents coverage ($) | Additional living expenses coverage ($) | ||||
| 500,000 | Masonry | 50,000 | 375,000 | 100,000 | American Strategic Ins Corp | 1,054 |
| 500,000 | Masonry | 50,000 | 375,000 | 100,000 | Amica Mutual Ic | 1,308 |
| 100,000 | Frame | 10,000 | 75,000 | 20,000 | Arizona Home Ic | 206 |
| 500,000 | Frame | 50,000 | 375,000 | 100,000 | Empire Fire & Marine Ic | 1,807 |
| 500,000 | Frame | 50,000 | 375,000 | 100,000 | Farmers Ins Exchange | 1,159 |
| 500,000 | Frame | 50,000 | 375,000 | 100,000 | Farmers Ins Exchange | 1,159 |
| 500,000 | Masonry | 50,000 | 375,000 | 100,000 | Hartford Fire Ic | 1,547 |
| 100,000 | Masonry | 10,000 | 75,000 | 20,000 | Merastar Ic | 504 |
| 300,000 | Frame | 30,000 | 225,000 | 60,000 | Merastar Ic | 976 |
| 100,000 | Frame | 10,000 | 75,000 | 20,000 | Nationwide Ic Of America | 432 |
| Low Deductible | High Deductible | |
|---|---|---|
| Deductible | $700 | $1,700 |
| Yearly Mesa Homeowner Insurance Premium Example | $600 | $400 |
| Out of Pocket Expense During Claim | $700 | $1,700 |
| Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim | $5,500 | $4,900 |
| Net Savings to Mesa Home Owner from High Deductible Plan | $600 | |
| Scenario | Mesa, AZ Home Replacement Value MORE than Home Value | Mesa, AZ Home Replacement Value LESS than Home Value |
|---|---|---|
| Replacement Value | $191,500 | $120,000 |
| Insurance Premium based on Replacement Value | $600 | $375 |
| Risk Exposure from Under Insuring Coverage | Unnecessary Home Insurance Coverage of $32,000 | Risk Exposure from Under Insuring Coverage is $39,500 |
| Premium Impact | Insurance cheaper by $125/year | Insurance costlier by $100/year |
| Insurance Company | Farmers Insurance | Travelers | Liberty Mutual |
| Monthly Premium | 48 | 43 | 70 |
| Year Built | 1990 | 2003 | 2013 |
| Home Details | 2 Beds, 1 Baths | 4 Beds, 2 Baths | 5 Beds, 4 Baths |
| Coverage Amount | $150000-$175000 | $200000-$250000 | $300000-$350000 |
| Deductible | $500 Deductible | $5000 to $10,000 Deductible | $500 Deductible |