Phoenix, AZ Home Insurance - Analysis On Quotes, Rates & Agents
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.
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
| Place | Savings For Senior Occupied Homes |
|---|---|
| Phoenix | $92 to $94 |
| Paradise Valley | $129 |
| Glendale | $92 |
| Tempe | $94 |
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
| Place | Home insurance as a % of housing cost for homes with mortgage | Home insurance as a % of housing cost for homes without mortgage |
|---|---|---|
| Phoenix, AZ | 3.4% | 12.3% |
| Paradise Valley | 1.79% | 7.17% |
| Glendale | 3.51% | 12.01% |
| Tempe | 3.39% | 12.15% |
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 BureauI would recommend Farm Bureau because they have great prices and great customer service, I've not had any issues with them.
UsaaI 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 InsuranceI have recommended this company before to several of my friends and will continue to do so in the future.
Pekin InsurancePekin 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.
UsaaIt 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.
UsaaMy wife and i are satisfied with USAA as our home insurance because they offer responsive customer service.
State FarmI 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.
TravelersThe 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.
GeicoI 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.
GeicoThe 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.
AllstateAllstate 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.
GeicoI 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.
TravelersIt 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.
UsaaIt 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.
UsaaI 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 FarmThey 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.
UsaaUSAA has the best customer service and responsiveness.
State FarmI 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 FarmI cannot compare to another in insurance because I have been with this insurance as a continuation off of my parents.
UsaaI 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!
UsaaThis 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 FarmThere 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 ShieldThe insurance company itself is very reliable when I have any questions that come up. They explain things very well so I can fully understand.
GeicoI 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.
UsaaHands down would recommend USAA for home insurance. For their customer service alone I would go to them!
NationwideThe 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.
UsaaI would recommend this company because my parents seem to be satisfied with the coverage.
Farmer's InsuranceMy insurance company has extremely fair prices and an easy to use and access online portal with all of my information.
AllstateOverall, 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 InsuranceNothing at all! They are amazing in every sense of the term. I would not even consider a different insurance company.
UsaaUSAA 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.
UsaaUSAA 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 HartfordI'm not unhappy with the company at all. They have been responsive and are well-priced in the market.