Phoenix Insurance Rates:

Phoenix, AZ homeowners insurance is roughly $526 to $711, about $43-$59/month. Our comprehensive research reveals consumers can save as much as $247 by getting multiple quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Find Best Home Insurance Rates in Phoenix, AZ

The average cost of home insurance in Phoenix, AZ, is $752. Home insurance is one of the most important types of insurance to have. It protects your home and belongings in the event of a covered loss. Home insurance in Phoenix, AZ, is typically very affordable, and comparing rates and coverage options is crucial before purchasing a policy. There are many different home insurance policies available, and choosing the one that best fits your needs is essential. Basic home insurance policies usually cover damage from fire, wind, hail, lightning, theft, and vandalism. More comprehensive policies may also cover flooding, earthquakes, and other types of damage. Home insurance is an important way to protect your home and belongings.

The price of home insurance coverage in Phoenix, Arizona, varies depending on several things. The age and condition of the house, the building materials used to build it, its location, the amount of coverage, and the physical qualities of the land are some of the most prevalent aspects. This article goes on to explain a few additional variables.

Choosing a Higher Deductible

Insurance companies typically charge higher rates in areas where claims are more common. By assuming more of the risk yourself, you can offset some of the increased cost of premiums. While a higher deductible means you have to pay more out of pocket before your coverage kicks in, you also have lower premiums. This is because you are assuming more risk, so the insurance company is assuming less. Homeowners in Phoenix, Arizona, pay $742.98 and $632.73 in premiums, respectively, for deductibles of 500 and 1500. Owners of homes with deductibles of 2000 and 2500 each pay $574.38 and $539.94, respectively. Therefore, in Phoenix, Arizona, the higher the deductible, the lower the home insurance premiums. You should never choose a deductible that you cannot afford to pay. If you have to file a claim, you don't want to be stuck with a huge bill you cannot pay. But if you can afford a higher deductible, it can be a great way.

Installing Security Features

Security features such as burglar alarms, security cameras, and deadbolt locks can help to deter burglars and other criminals from breaking into your home. This, in turn, can help to reduce the cost of your homeowners insurance. A homeowner's likelihood of filing an insurance claim decreases if these security features are installed in their homes. For example, in Phoenix, Arizona homes with deadbolts spend $676.08 for homeowner's insurance.

Maintaining a Zero Claims History

Maintaining a zero claims history is one of the best ways to reduce homeowners insurance costs in Phoenix, AZ. Homeowners' insurance companies offer discounts to policyholders who have no claims on their records. The longer you go without making a claim, the more discounts you will receive. In addition, maintaining a zero claims history shows that you are a responsible homeowner and are less likely to file a claim in the future. For instance, in Phoenix, Arizona, homeowners must pay a premium of $646.72 with no prior claims. On the other hand, homeowners in Phoenix, Arizona, must pay between $797.12 and $842.24 for their home insurance if they have one or two claims.

Phoenix, AZ Homeowners Insurance By Home Value

Phoenix, AZ Home Value Total Homes % of Total Average Phoenix, AZ Homeowners Insurance
Less than $50,000 55,611 9.0% $86
$50,000 to $59,999 12,865 2.0% $185
$60,000 to $69,999 16,032 2.0% $229
$70,000 to $79,999 18,098 3.0% $266
$80,000 to $89,999 23,760 4.0% $297
$90,000 to $99,999 21,584 3.0% $334
$100,000 to $124,999 64,502 11.0% $389
$125,000 to $149,999 53,304 9.0% $482
$150,000 to $174,999 68,503 11.0% $575
$175,000 to $199,999 47,342 8.0% $662
$200,000 to $249,999 77,493 13.0% $798
$250,000 to $299,999 54,452 9.0% $971
$300,000 to $399,999 60,764 10.0% $1238

Top Home Insurance Agents Near Phoenix, AZ

Home Insurance Company Near Phoenix, AZ Homeowners Insurance Agency Near Phoenix, AZ Address
Farmers Allan Connor 5950 S Cooper Rd Ste 2b, Chandler, AZ, 85249
State Farm Lisa Ro Ross 14071 W Bell Rd Ste 105, Surprise, AZ, 85374-2454
Liberty Mutual Shane R. Lizama 21448 N. 75Th Ave. Suite 2, Glendale, AZ, 85308
Farmers Wayne Leavitt 7254 E Southern Ave Ste 105, Mesa, AZ, 85209
Travelers Wesselmann Insurance Network Group Llc 4203 E INDIAN SCHOOL RD STE 301, PHOENIX, AZ, 85018

Phoenix, AZ Home Insurance Agents for Top Companies

Cost Of Homeowners Insurance By Street Near Phoenix, AZ

Streets in Phoenix Area Homeowners Insurance Cost
W Signal Butte Cir, S Rico Cir, E 3rd Dr, S Sarnac, E Doris St, N 13th Way, E Graythorn Way, N Hillridge, E Cactus Wren Dr, S Hall Cir$673
S 166th Dr, N Forest Ave, E Todd Dr, S 111th Pl, E Myrtle St, E Savannah Dr, N Granite Pointe, S Playa, N Horseshoe Ln, N Desert Ave$705
N Gardens, W Hansan Dr, 120th Ave, Tara Ln, W Quail Creek, N Desert Flower Dr, S Obispo Ave, E Shadow Rock Rd, E Cll Redonda, E Mc Kellips St$623
E Brentrup Dr, N 172nd Ln, W Emelita, S 104th St, N 56th Way, 112th Ave, E Ranch Circle Dr N, N 62nd, S 79th Ave, E Clubhouse Dr$626
400 W, S 158th Dr, N Gallatin, W Mediterranean Dr, E Valley View Dr, W Frito Ave, W South Fork Dr, E Cowan Cir, W Duluth Ave, W Elm Way$593
S Hunt Dr, W San Pedro St, W Chilton Ave, S Daley, N Mountview Rd, E Royal View Dr N, N Arden Cir, S 86th Ave, N 76th Cir, S Lewis$715
W Apollo Ave, S Almar Cir, W Palm Ridge Dr, N 11th Way, N Buckaroo Ln, S 21st Dr, S 45th Ave, S 101st St, E Boulder Dr, E Powderhorn Dr$625
S Revolta Cir, Lincoln Dr, Northern Ave, N Martingale Rd, W Kumquat Ct, S 72nd Dr, W Erie Dr, E Thunderbird Trl, E Joan D Arc Ave, N Morris$603
E Laguna Dr, E Venue St, W Taro Dr, E Floriade Dr, W Picerne Dr, W Pineaire Dr, N Bonow Dr, N 171st Ave, S 22nd Dr, E Sheridan Ave$580
W Willowbrook Dr, S 74th Ln, N Bluejay Dr, S Sierra Heights Cir, S 113th Way, N Forest, E Shoeman Ln, S Westcourt Way, N Via Serena Cir, W Shangri la Ave$593

Phoenix, AZ Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Phoenix$92 to $94
Paradise Valley$129

Phoenix, 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
Paradise Valley town, Arizona $129 $172 $258
Glendale city, Arizona $92 $122 $183
Tempe city, Arizona $95 $126 $189

Phoenix, 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
Phoenix, AZ3.4%12.3%
Paradise Valley1.79%7.17%

Phoenix Renters Insurance as a Percentage of Rent

Phoenix Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 4,653 1.0% $804
$300 to $499 18,042 4.0% $1254
$500 to $749 102,640 24.0% $1929
$750 to $999 120,983 28.0% $2679
$1,000 to $1,499 125,640 29.0% $3804
$1,500 or more 45,229 10.0% $5454

Phoenix, AZ Homeowners Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
85040 $97,700 $600
85019 $90,600 $600
85017 $88,100 $590
85033 $81,900 $600
85035 $80,500 $590
85031 $79,600 $590
85009 $74,300 $590
85012 $384,400 $690
85054 $367,400 $690
85018 $360,800 $680
85045 $353,700 $680
85048 $313,300 $660
85028 $301,100 $660
85085 $287,800 $670
85003 $275,000 $660
85086 $272,500 $660
85004 $267,800 $660
85050 $249,200 $650
85044 $237,400 $650
85021 $225,000 $630
85016 $215,600 $640
85007 $213,900 $640
85024 $210,500 $630
85020 $204,200 $630
85013 $197,700 $630
85022 $196,800 $630
85014 $188,400 $630
85023 $172,900 $630
85032 $168,100 $620
85053 $142,000 $610
85008 $127,700 $610
85034 $127,200 $610
85043 $125,400 $610
85029 $125,300 $610
85015 $120,400 $610
85041 $119,000 $610
85006 $118,900 $610
85051 $117,200 $610
85037 $112,000 $600

Average Cost Of Home Insurance By Company In Areas Nearby Phoenix For Different Scenarios

Home value ($) Construction type Coverage Company Average homeowners insurance premium ($)
Other structure coverage ($) Contents coverage ($) Additional living expenses coverage ($)
100,000 Masonry 10,000 75,000 20,000 American Security Ic 483
300,000 Masonry 30,000 225,000 60,000 Farm Bureau P&C Ic 1,183
100,000 Masonry 10,000 75,000 20,000 Homesite Ind Co 413
500,000 Masonry 50,000 375,000 100,000 Horace Mann Ic 952
300,000 Masonry 30,000 225,000 60,000 Pacific Ind Co 1,683
300,000 Frame 30,000 225,000 60,000 Pharmacists Mutual Ic 756
100,000 Frame 10,000 75,000 20,000 Praetorian Ic 393
300,000 Frame 30,000 225,000 60,000 Privilege Underwriters Reciprocal Exchange 1,944
100,000 Frame 10,000 75,000 20,000 United Heritage P&C Co 497
300,000 Frame 30,000 225,000 60,000 Universal North America Ic 832

Phoenix, AZ Home Insurance Costs With Home Replacement Value Scenarios

Scenario Phoenix, AZ Home Replacement Value MORE than Home Value Phoenix, AZ Home Replacement Value LESS than Home Value
Replacement Value $ $
Insurance Premium based on Replacement Value $ $
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $ Risk Exposure from Under Insuring Coverage is $
Premium Impact Insurance cheaper by $/year Insurance costlier by $/year

Sample Home Insurance Rates for Phoenix, 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 125,000 Asphalt Shingles Roof 1,150 2 $500 Deductible 230 7 Stone Siding yes
2001 195,000 Membrane Roof 1,670 3 $500- $1000 Deductible 190 4 Vinyl siding yes
2006 405,000 Asphalt Shingles Roof 4,850 5 > $10,000 Deductible 320 6 Vinyl siding No
1999 255,000 Slate Shingles Roof 2,900 5 $1000-$2500 Deductible 480 10 Wood siding No
2004 270,000 Tile Roof 2,740 5 $500- $1000 Deductible 660 8 Fiber-Cement Siding No
1987 210,000 Membrane Roof 1,950 3 $500- $1000 Deductible 180 4 Brick siding No
2003 160,000 Metal Roof 1,540 2 $1000-$2500 Deductible 210 6 Brick siding No
1988 125,000 Asphalt Shingles Roof 1,140 2 $1000-$2500 Deductible 270 9 Vinyl siding yes
2014 230,000 Composition Roof 1,920 3 > $10,000 Deductible 40 1 Stone Siding No
2013 100,000 Slate Shingles Roof 1,210 2 $1000-$2500 Deductible 140 8 Brick siding yes
2005 325,000 Asphalt Shingles Roof 3,270 4 > $10,000 Deductible 530 12 Fiber-Cement Siding yes
2014 225,000 Wood Shake Roof 2,300 3 $500 Deductible 200 5 Wood siding No
2012 245,000 Shingles Roof 2,370 3 $1000-$2500 Deductible 220 3 Vinyl siding No
2013 375,000 Membrane Roof 3,190 5 $1000-$2500 Deductible 230 3 Brick siding No
1984 175,000 Membrane Roof 2,020 5 $5000 to $10,000 Deductible 230 7 Wood siding yes
1987 530,000 Slate Shingles Roof 4,360 5 $1000-$2500 Deductible 850 9 Stone Siding No
1993 285,000 Wood Shake Roof 2,590 4 $5000 to $10,000 Deductible 130 4 Brick siding No
1991 310,000 Shingles Roof 2,900 5 $5000 to $10,000 Deductible 140 3 Stone Siding yes
1999 115,000 Tile Roof 1,300 2 $500- $1000 Deductible 180 5 Stucco siding yes
2000 135,000 Asphalt Shingles Roof 1,240 2 $500- $1000 Deductible 70 2 Vinyl siding yes
2012 90,000 Membrane Roof 1,120 2 $1000-$2500 Deductible 200 12 Brick siding yes
1996 145,000 Metal Roof 1,330 2 $500- $1000 Deductible 300 7 Brick siding No
2014 310,000 Metal Roof 3,110 4 $5000 to $10,000 Deductible 370 8 Stucco siding yes
1999 125,000 Composition Roof 1,080 2 $2500-$5000 Deductible 250 12 Wood siding yes
2012 120,000 Wood Shake Roof 980 2 $2500-$5000 Deductible 50 2 Fiber-Cement Siding No
1997 90,000 Shingles Roof 930 2 $500 Deductible 40 2 Stucco siding No
2011 335,000 Composition Roof 3,140 5 $500- $1000 Deductible 590 7 Fiber-Cement Siding No
2011 470,000 Tile Roof 4,600 5 $1000-$2500 Deductible 680 7 Wood siding No
2003 215,000 Asphalt Shingles Roof 1,880 3 > $10,000 Deductible 270 10 Fiber-Cement Siding No
2005 165,000 Composition Roof 1,124 2 $2500-$5000 Deductible 40 1 Stone Siding No

Latest Home Insurance Reviews

Farm Bureau
I would recommend Farm Bureau because they have great prices and great customer service, I've not had any issues with them.
I feel that the insurance rates are a good deal. because of customer loyalty and a lack of claims my family receives rate discounts.
Farmer's Insurance
I have recommended this company before to several of my friends and will continue to do so in the future.
Pekin Insurance
Pekin insurance was very helpful in switching our homeowner's insurance coverage to our new home, on time, when my family and i moved into our new home in december of 2016.
It is super easy to navigate and provides access to all of my accounts. I can quickly find my account information, insurance card for my vehicle, as well as more detailed information such as my complete homeowner’s policy.
My wife and i are satisfied with USAA as our home insurance because they offer responsive customer service.
State Farm
I am satisfied with my deductible but I did not shop around or compare many companies when I was making my insurance choices. I had state farm for years on my car before adding home and it seemed like a reasonable rate.
The customer service for Travelers Insurance is spot on. They don't place you on hold, they direct you to who you have to talk and if that person isn't available you leave a message with the customer service representative.
I am satisfied because it suits my needs and I have had other experience with this company. I am not as aware of other company offerings in comparison.
The service, pricing and deductibles are amazing. They have beat all the competition in all areas in my opinion. There is little to discusss as they are the best.
Allstate is too expensive for a monthly payment. it's hard to afford allstate when trying to afford other bills. especially when you're only making minimum wage.
I have had nothing but positive experiences with geico. their customer service is always to mutch. their prices are reasonable. they are extremely easy to work with and i would recommend them to friends and family.
It was quite affordable. I paid online, it was easy to navigate. Their statement is easy to read. I like their policy, it is easy to understand.
It is well organized, and it does it all. They don't try to cram too much on a mobile screen; everything is under a well-labelled menu.
I am not sure because I have been with USAA my whole life and but I feel it's reasonable given the coverage they give us for us.
State Farm
They do a good job of notifying you in advance when bills are due. Every once in a while, my agent will call me asking me how I'm doing and if I need to change anything on my account.
USAA has the best customer service and responsiveness.
State Farm
I am very satisfied with my premium. It is a great price compared to other companies. I love that I am able to save money by bundling homeowners insurance with car insurance.
State Farm
I cannot compare to another in insurance because I have been with this insurance as a continuation off of my parents.
I like that they don't seem to outsource their call center employees to other countries. It makes it much easier to get someone who can help you on the first try. They really seem to care about providing great customer service!
This company beats my previous carrier, Allstate, hands down on products offered, service and price. Wish I had switched 20 years ago. I would highly recommend this company to all veterans and their families
State Farm
There is nothing I can think of that I dislike about the company State Farm, I have always had a great and pleasant experience with them.
American Home Shield
The insurance company itself is very reliable when I have any questions that come up. They explain things very well so I can fully understand.
I would recommend Geico as a proficient and adequate home insurance provider given their affordable prices and comparable deductibles. Their customer service also makes it very easy to resolve any potential issues that may arise.
Hands down would recommend USAA for home insurance. For their customer service alone I would go to them!
The customer service with my carrier has not been excellent, in fact the coverage broadly states that there shall be attentive service provided 24 hours a day. I would not recommend.
I would recommend this company because my parents seem to be satisfied with the coverage.
Farmer's Insurance
My insurance company has extremely fair prices and an easy to use and access online portal with all of my information.
Overall, I like that Allstate has an excellent reputation, and from what I have been told, sets the industry standard. I like that I am not just paying to have insurance on paper and that they have a reputation for being there when you need them.
Farmer's Insurance
Nothing at all! They are amazing in every sense of the term. I would not even consider a different insurance company.
USAA has always been a reliable partner in insurance. They offer many products other than home insurance so you can get more done with one phone call. The products are competitively priced and have the backing of a nationally recognized company.
USAA is a top notch company. They are very helpful and genuinely seem to care for their clients. Have always been helpful and fair when we have had issues. Great customer service.
The Hartford
I'm not unhappy with the company at all. They have been responsive and are well-priced in the market.

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