Phoenix Insurance Rates:

Phoenix ,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 Phoenix, 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 Phoenix, AZ is $1658. Enter your zipcode below and click “GO” to get multiple free quotes.

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Home Insurance Companies in Phoenix, AZ: Customer-Reviewed Options


Phoenix, AZ Homeowners Insurance Rates by Coverage Level

It is important to understand the different coverage options available in Phoenix, AZ. VHome Insurance will help you navigate the world of homeowners insurance coverages in Phoenix, AZ.

Coverage Level Average Annual Premium
$100,000 $663
$200,000 $1,127
$300,000 $1,393
$400,000 $2,122
$500,000 $2,669


Phoenix, AZ Homeowners Insurance Rates by ZIP Code

Home insurance costs in Phoenix 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
085040 $1,521
85019 $1,514
85017 $1,505
85033 $1,513
85035 $1,513
85031 $1,514
85009 $1,493
85012 $1,726
85054 $1,646
85018 $1,775
85045 $1,659
85048 $1,645
85028 $1,662
85085 $1,665
85003 $1,656
85086 $1,644
85004 $1,598
85050 $1,644
85044 $1,605
85021 $1,604
85016 $1,627
85007 $1,584
85024 $1,593
85020 $1,592
85013 $1,626
85022 $1,585
85014 $1,608
85023 $1,566
85032 $1,581
85053 $1,551
85008 $1,545
85034 $1,550
85043 $1,531
85029 $1,542
85015 $1,542
85041 $1,539
85006 $1,574
85051 $1,529
85037 $1,529


Phoenix, AZ Homeowners Insurance Deductibles

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 Phoenix, AZ, and how to choose the right one for your needs.

Deductible Level Average Annual Premium
$500 Deductible $1,700
$1000 Deductible $1,520
$1500 Deductible $1,434
$2500 Deductible $1,293
$5000 Deductible $1,094



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


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

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

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