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.

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Latest Home Insurance Reviews

Allstate
I 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 Farm
Even 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 Insurance
Farmers 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.
Allstate
It 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 Insurance
They specializing in insuring farms so their premiums are better priced because of that reason. This is the main reason I like this company.
Farm Bureau
They 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.
Usaa
For the most part, the service is very good, but I did have some difficulties when I had to make a claim.
Usaa
We'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.

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

PlaceSavings 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

PlaceHome insurance as a % of housing cost for homes with mortgageHome insurance as a % of housing cost for homes without mortgage
Payson, AZ3.8%13.1%
Mesa del Caballo4.96%13.5%
Freedom Acres6.39%16.48%
Round Valley2.84%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 DeductibleHigh 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 MutualFarmers InsuranceNationwide Insurance
Monthly Premium 353943
Year Built 201420061989
Home Details 2 Beds, 1 Baths3 Beds, 1 Baths4 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
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