Paradise Valley Insurance Rates:
Paradise Valley, AZ homeowners insurance is roughly $732 to $989, about $61-$82/month. Our all inclusive guide indicates shoppers can save upto $344 by comparing many quotes. Enter your zipcode below and click “GO” to get multiple free quotes.
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Top Home Insurance Agents Near Paradise Valley, AZ
| Home Insurance Company Near Paradise Valley, AZ |
Homeowners Insurance Agency Near Paradise Valley, AZ |
Address |
| State Farm |
Brenda Wix |
6401 E Thomas Road, Scottsdale, AZ, 85251-6078 |
| State Farm |
David Newland |
3233 W Peoria Ave Ste 116, Phoenix, AZ, 85029 |
| Travelers |
Hatch Ins Agency Inc |
1637 W KNUDSEN STE 201, PHOENIX, AZ, 85027 |
| State Farm |
Lance Lane |
20800 N John Wayne Pkwy, Maricopa, AZ, 85139 |
Paradise Valley, 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 |
| Phoenix CCD, Maricopa County, Arizona |
$77 |
$103 |
$154 |
| Scottsdale city, Arizona |
$86 |
$114 |
$171 |
| Tempe city, Arizona |
$79 |
$105 |
$157 |
Paradise Valley, AZ Area Home Insurance as a % of Housing Cost
| Place | Home insurance as a % of housing cost for homes with mortgage | Home insurance as a % of housing cost for homes without mortgage |
| Paradise Valley, AZ | 1.8% | 7.2% |
| Phoenix | 3.39% | 12.31% |
| Scottsdale | 2.67% | 10.38% |
| Tempe | 3.39% | 12.15% |
Paradise Valley Renters Insurance as a Percentage of Rent
| Paradise Valley Home By Monthly Rent |
Total Homes |
% of Total |
Estimated Monthly Income To Afford Rented House Including Renters Insurance |
|---|
| $1,000 to $1,499 |
11 |
6.0% |
$3626 |
| $1,500 or more |
172 |
93.0% |
$5276 |
Average Cost Of Home Insurance By Company In Areas Nearby Paradise Valley For Different Scenarios
| Home value ($) |
Construction type |
Coverage |
Company |
Average homeowners insurance premium ($) |
| Other structure coverage ($) |
Contents coverage ($) |
Additional living expenses coverage ($) |
| 100,000 |
Frame |
10,000 |
75,000 |
20,000 |
Cincinnati Ic |
419 |
| 300,000 |
Frame |
30,000 |
225,000 |
60,000 |
Encompass P&C Co |
842 |
| 100,000 |
Masonry |
10,000 |
75,000 |
20,000 |
Kemper Independence Ic |
409 |
| 100,000 |
Masonry |
10,000 |
75,000 |
20,000 |
Milbank Ic |
479 |
| 300,000 |
Masonry |
30,000 |
225,000 |
60,000 |
Milbank Ic |
961 |
| 300,000 |
Frame |
30,000 |
225,000 |
60,000 |
Owners Ic |
1,230 |
| 100,000 |
Masonry |
10,000 |
75,000 |
20,000 |
Pharmacists Mutual Ic |
324 |
| 300,000 |
Masonry |
30,000 |
225,000 |
60,000 |
Pharmacists Mutual Ic |
669 |
| 300,000 |
Masonry |
30,000 |
225,000 |
60,000 |
Pharmacists Mutual Ic |
669 |
| 500,000 |
Frame |
50,000 |
375,000 |
100,000 |
Unigard Ic |
1,104 |
Paradise Valley, AZ Home Insurance Costs With Deductible Scenario
| Low Deductible | High Deductible |
|---|
| Deductible | $800 | $2,800 |
| Yearly Paradise Valley Homeowner Insurance Premium Example | $2,700 | $2,200 |
| Out of Pocket Expense During Claim | $800 | $2,800 |
| Total Home Insurance Premium for 6 years + Out of Pocket Expense for Claim |
$17,000 | $16,000 |
| Net Savings to Paradise Valley Home Owner from High Deductible Plan |
$1,000 |
Paradise Valley, AZ Home Insurance Costs With Home Replacement Value Scenarios
| Scenario |
Paradise Valley, AZ Home Replacement Value MORE than Home Value |
Paradise Valley, AZ Home Replacement Value LESS than Home Value |
| Replacement Value |
$421,500 |
$337,000 |
| Insurance Premium based on Replacement Value |
$1,300 |
$1,050 |
| Risk Exposure from Under Insuring Coverage |
Unnecessary Home Insurance Coverage of $46,000 |
Risk Exposure from Under Insuring Coverage is $38,500 |
| Premium Impact |
Insurance cheaper by $125/year |
Insurance costlier by $125/year |
Example Paradise Valley Homeowners Insurance Comparison Table to Compare The Cheapest Quotes
| Insurance Company |
Amica Mutual Insurance Company | Liberty Mutual | GEICO Insurance |
| Monthly Premium |
200 | 186 | 198 |
| Year Built |
2013 | 1991 | 1979 |
| Home Details |
4 Beds, 1 Baths | 5 Beds, 4 Baths | 4 Beds, 3 Baths |
| Coverage Amount |
More than 10000000 | More than 10000000 | $700000-$800000 |
| Deductible |
$500 Deductible | $500- $1000 Deductible | $1000-$2500 Deductible |