Payson, AZ Home Insurance - Analysis On Quotes, Rates & Agents
Payson Insurance Rates:
Payson, AZ homeowners insurance is about $529 to $722, about $44-$60/month. Our thorough guide indicates shoppers can save as much as $250 by comparing many quotes. Enter your zipcode below and click “GO” to get multiple free quotes.
Latest Home Insurance Reviews
UsaaWe've been with USAA for a long time. I like that they take care of us when there's a problem. I like the yearly distributions when the surplus is available.
AllstateI like how they reach out to you so often to check on you to make sure that everything is going well and that you feel accounted for.
State FarmEven with multi-line discounts, insurance through state farm is extremely expensive. it's far more money than other companies charge for similar products.
Farmer's InsuranceFarmers union insurance offers a lot of options when it comes to choosing coverage. they offer farm options, coverage for your sheds, and different options for how you want to cover your home.
AllstateIt is very easy to find my agent and his contact information. I can view my coverage online. If I am in an accident, I can use the mobile app to upload pictures to show the damage. I do not like that I have to contact my agent to get quotes or answer my questions. I would prefer to do all my contact via the website.
Farmer's InsuranceThey specializing in insuring farms so their premiums are better priced because of that reason. This is the main reason I like this company.
Farm BureauThey are friendly and they also give a courtesy call the day before a premium is due. This has kept me from experiencing loss of coverage on a couple of occasions.
UsaaFor the most part, the service is very good, but I did have some difficulties when I had to make a claim.
Payson, AZ Homeowners Insurance By Home Value
| Payson, AZ Home Value | Total Homes | % of Total | Average Payson, AZ Homeowners Insurance |
|---|---|---|---|
| Less than $50,000 | 1,047 | 15.0% | $75 |
| $50,000 to $59,999 | 86 | 1.0% | $162 |
| $60,000 to $69,999 | 110 | 1.0% | $200 |
| $70,000 to $79,999 | 77 | 1.0% | $231 |
| $80,000 to $89,999 | 226 | 3.0% | $262 |
| $90,000 to $99,999 | 161 | 2.0% | $294 |
| $100,000 to $124,999 | 461 | 6.0% | $344 |
| $125,000 to $149,999 | 340 | 4.0% | $431 |
| $150,000 to $174,999 | 625 | 9.0% | $507 |
| $175,000 to $199,999 | 764 | 11.0% | $588 |
| $200,000 to $249,999 | 1,281 | 18.0% | $707 |
| $250,000 to $299,999 | 997 | 14.0% | $863 |
| $300,000 to $399,999 | 763 | 10.0% | $1101 |
Top Home Insurance Agents Near Payson, AZ
| Home Insurance Company Near Payson, AZ | Homeowners Insurance Agency Near Payson, AZ | Address |
|---|---|---|
| NA | Jacobi Group | 1395 S Bates Rd , Cottonwood, AZ, 86326 |
| State Farm | Bill Mulliniks | 748 Easy St, Carefree, AZ, 85377 |
| Travelers | Insurors Network Ltd-Cw | 830 SOUTH MAIN STE 1C, COTTONWOOD, AZ, 86326 |
| Farmers | James Tait | 13034 N VERDE RIVER DR STE 102, Fountain Hills, AZ, 85268 |
| Allstate | Thomas Zvonek | 702 S Main St, Cottonwood, AZ, 86326 |
Cost Of Homeowners Insurance By Street Near Payson, AZ
| Streets in Payson Area | Homeowners Insurance Cost |
|---|---|
| Bunny Hollow, N Rogers Cir, Jan Trl, Pomontory Pt, Cheryl Cir, Rainbow Dr, Fire Control Rd, W St Moritz Dr, E Pinecone Cir, Childress Cir | $643 |
| Blackberry Ln, N Prospector Cir, Oak Ln, Un Named Dirt Rd, Mary Patricia Dr, Nf-199A, Tanner Ln, Matthews Ln, W Wagon Trl, Piedra Rd | $622 |
| N Strawberry, Ridge Rd, S Black Foot Rd, Kelly Cir, Robin Way, S Lakeshore Rd, Mountain Meadow Dr, N Heidi Cir, Love Spring Way, Cleonna Dr | $644 |
| E Ox Bow Cir, S Ash St, W Jones Dr, E McKamey St, Zane Grey Cir, W Randall Ln, Wayne Dr, W Birch Dr, S Randall Dr, Spring Trl | $633 |
| Cortita Rd, Landmark Trl, N Bronco Cir, N Indian Paintbrush Cir, W Sundance Cir, W Piper Pkwy, Oxbow Trl, St Francis Way, Mountain View Cir, S Friendly Glen | $630 |
| Cornerstone Way, W Knotty Pine Cir, Pine Canyon Dr, W Naviator Cir, Joan Dr, W Forest Dr, Elusive Dr, Foothill Rd, Tall Pine Ln, S Carlsbad Vista Cir | $624 |
| E Zurich Dr, Nash Dr, E Dealers Choice Ln, W Wade Ln, Phoenix St, N Easy St, Verda Glen Fr 1190, Peoria Ln, E Bolivar St, Ashby Apple Dr | $618 |
| Union Park, N Oak Ridge Rd, Laredo Loop, Nf-199, S Cedar Mill Rd, W Arroyo Way, W Longhorn Cir, Skunk Hollow Ln, Cochise Ln, E Alpine Dr | $637 |
| Freegard Ln, W Gibson Ranch Rd, Dealers Choice Rd, Pinecone Trl, Fs 428A, S Mc Lane Rd, E Wagon Wheel Cir, Naco Dr, E State Hwy 260, Broken Z Ln | $638 |
| Johnson Blvd, W Wilderness Trl, Coyote Dr, S Highline Dr, Whites Way, N Hemlock Cir, Hoot Owl Trl, Tonto Trl, Randall Pl, Tonto Dr | $638 |
Payson, AZ Home Insurance Savings For Senior Occupied Homes
| Place | Savings For Senior Occupied Homes |
|---|---|
| Payson | $93 to $96 |
| East Verde Estates | $93 |
| Flowing Springs | $85 |
| Mesa del Caballo | $92 |
Payson, 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 |
|---|---|---|---|
| Flowing Springs CDP, Arizona | $71 | $94 | $141 |
| Mesa del Caballo CDP, Arizona | $77 | $103 | $154 |
| Oxbow Estates CDP, Arizona | $82 | $109 | $164 |
Payson, 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 |
|---|---|---|
| Payson, AZ | 3.8% | 13.1% |
| Mesa del Caballo | 4.96% | 13.5% |
| Freedom Acres | 6.39% | 16.48% |
| Round Valley | 2.84% | 12.37% |
Payson Renters Insurance as a Percentage of Rent
| Payson Home By Monthly Rent | Total Homes | % of Total | Estimated Monthly Income To Afford Rented House Including Renters Insurance |
|---|---|---|---|
| $200 to $299 | 131 | 6.0% | $799 |
| $300 to $499 | 90 | 4.0% | $1249 |
| $500 to $749 | 469 | 24.0% | $1924 |
| $750 to $999 | 518 | 27.0% | $2674 |
| $1,000 to $1,499 | 597 | 31.0% | $3799 |
| $1,500 or more | 67 | 3.0% | $5449 |
Payson, AZ Home Insurance Costs With Deductible Scenario
| Low Deductible | High Deductible | |
|---|---|---|
| Deductible | $1,000 | $2,000 |
| Yearly Payson Homeowner Insurance Premium Example | $600 | $400 |
| Out of Pocket Expense During Claim | $1,000 | $2,000 |
| Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim | $5,800 | $5,200 |
| Net Savings to Payson Home Owner from High Deductible Plan | $600 | |
Payson, AZ Home Insurance Costs With Home Replacement Value Scenarios
| Scenario | Payson, AZ Home Replacement Value MORE than Home Value | Payson, AZ Home Replacement Value LESS than Home Value |
|---|---|---|
| Replacement Value | $173,000 | $108,000 |
| Insurance Premium based on Replacement Value | $425 | $275 |
| Risk Exposure from Under Insuring Coverage | Unnecessary Home Insurance Coverage of $46,500 | Risk Exposure from Under Insuring Coverage is $18,500 |
| Premium Impact | Insurance cheaper by $50/year | Insurance costlier by $100/year |
Example Payson Homeowners Insurance Comparison Table to Compare The Cheapest Quotes
| Insurance Company | Liberty Mutual | Farmers Insurance | Nationwide Insurance |
| Monthly Premium | 35 | 39 | 43 |
| Year Built | 2014 | 2006 | 1989 |
| Home Details | 2 Beds, 1 Baths | 3 Beds, 1 Baths | 4 Beds, 1 Baths |
| Coverage Amount | $175000-$200000 | $250000-$300000 | $250000-$300000 |
| Deductible | $2500-$5000 Deductible | > $10,000 Deductible | $2500-$5000 Deductible |
Sample Home Insurance Rates for Payson, AZ from Consumer Reviews & Surveys
| Year Built | Home Value | Roof Type | Sqft | Number of Bedrooms | Deductible | Premium | Premium Months | Siding Type | Smoker/Non Smoker |
|---|---|---|---|---|---|---|---|---|---|
| 1986 | 245,000 | Tile Roof | 2,590 | 4 | $5000 to $10,000 Deductible | 530 | 12 | Brick siding | yes |
| 1985 | 135,000 | Slate Shingles Roof | 1,180 | 2 | $500- $1000 Deductible | 180 | 5 | Fiber-Cement Siding | yes |
| 2004 | 270,000 | Asphalt Shingles Roof | 2,180 | 4 | $5000 to $10,000 Deductible | 40 | 1 | Fiber-Cement Siding | No |
| 2009 | 290,000 | Slate Shingles Roof | 2,820 | 4 | $1000-$2500 Deductible | 710 | 12 | Fiber-Cement Siding | No |
| 2014 | 305,000 | Membrane Roof | 2,280 | 3 | $2500-$5000 Deductible | 120 | 2 | Wood siding | No |
| 2001 | 115,000 | Shingles Roof | 1,200 | 2 | $500- $1000 Deductible | 80 | 4 | Wood siding | No |
| 1990 | 190,000 | Wood Shake Roof | 1,510 | 3 | $500- $1000 Deductible | 220 | 4 | Brick siding | yes |
| 1992 | 200,000 | Tile Roof | 1,620 | 2 | $5000 to $10,000 Deductible | 220 | 7 | Fiber-Cement Siding | yes |
| 2004 | 160,000 | Membrane Roof | 1,260 | 2 | $5000 to $10,000 Deductible | 230 | 8 | Stone Siding | yes |
| 2011 | 280,000 | Wood Shake Roof | 2,180 | 3 | $500- $1000 Deductible | 660 | 9 | Stucco siding | No |
| 1992 | 205,000 | Composition Roof | 2,160 | 4 | > $10,000 Deductible | 140 | 5 | Brick siding | yes |
| 2013 | 90,000 | Wood Shake Roof | 940 | 2 | $500 Deductible | 90 | 5 | Stone Siding | No |
| 1997 | 230,000 | Membrane Roof | 2,520 | 4 | $1000-$2500 Deductible | 680 | 12 | Vinyl siding | No |
| 1993 | 335,000 | Membrane Roof | 3,080 | 4 | $1000-$2500 Deductible | 60 | 1 | Fiber-Cement Siding | yes |
| 1981 | 325,000 | Metal Roof | 2,450 | 4 | $2500-$5000 Deductible | 370 | 5 | Vinyl siding | yes |
| 1981 | 90,000 | Composition Roof | 990 | 2 | $2500-$5000 Deductible | 140 | 8 | Stucco siding | No |
| 2013 | 370,000 | Shingles Roof | 2,840 | 4 | $500- $1000 Deductible | 240 | 3 | Vinyl siding | No |
| 1999 | 205,000 | Shingles Roof | 2,170 | 3 | $500- $1000 Deductible | 220 | 6 | Wood siding | No |
| 2002 | 335,000 | Tile Roof | 3,330 | 4 | $5000 to $10,000 Deductible | 770 | 9 | Brick siding | yes |
| 1980 | 210,000 | Slate Shingles Roof | 2,200 | 4 | $1000-$2500 Deductible | 120 | 4 | Wood siding | yes |
| 2001 | 100,000 | Wood Shake Roof | 930 | 2 | $500 Deductible | 210 | 10 | Vinyl siding | No |
| 1989 | 235,000 | Shingles Roof | 1,760 | 3 | $5000 to $10,000 Deductible | 420 | 8 | Stucco siding | yes |
| 2008 | 190,000 | Membrane Roof | 2,060 | 3 | $500- $1000 Deductible | 350 | 8 | Stucco siding | yes |
| 1994 | 375,000 | Slate Shingles Roof | 3,130 | 4 | $2500-$5000 Deductible | 820 | 9 | Stone Siding | yes |
| 1981 | 230,000 | Slate Shingles Roof | 2,240 | 4 | $2500-$5000 Deductible | 290 | 9 | Vinyl siding | No |
| 2010 | 230,000 | Slate Shingles Roof | 1,730 | 2 | $2500-$5000 Deductible | 270 | 7 | Stucco siding | No |
| 2004 | 200,000 | Shingles Roof | 1,650 | 3 | $5000 to $10,000 Deductible | 140 | 6 | Wood siding | yes |
| 1996 | 310,000 | Tile Roof | 3,310 | 4 | $500- $1000 Deductible | 380 | 5 | Fiber-Cement Siding | yes |