Scottsdale ,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 Scottsdale, 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 Scottsdale, AZ is $1811. Enter your zipcode below and click “GO” to get multiple free quotes.
It is important to understand the different coverage options available in Scottsdale, AZ. VHome Insurance will help you navigate the world of homeowners insurance coverages in Scottsdale, AZ.
| Coverage Level | Average Annual Premium |
|---|---|
| $100,000 | $724 |
| $200,000 | $1,231 |
| $300,000 | $1,521 |
| $400,000 | $2,318 |
| $500,000 | $2,916 |
Home insurance costs in Scottsdale 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 |
|---|---|
| 085256 | $1,454 |
| 85262 | $1,941 |
| 85255 | $1,842 |
| 85259 | $1,824 |
| 85258 | $1,757 |
| 85260 | $1,693 |
| 85254 | $1,725 |
| 85250 | $1,639 |
| 85251 | $1,633 |
| 85257 | $1,601 |
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 Scottsdale, AZ, and how to choose the right one for your needs.
| Deductible Level | Average Annual Premium |
|---|---|
| $500 Deductible | $1,857 |
| $1000 Deductible | $1,661 |
| $1500 Deductible | $1,567 |
| $2500 Deductible | $1,413 |
| $5000 Deductible | $1,195 |
| Home Insurance Company Near Scottsdale, AZ | Homeowners Insurance Agency Near Scottsdale, AZ | Address |
|---|---|---|
| Travelers | Cynthia Fisher Agency Llc | 20100 N 51ST AVE STE F-640, GLENDALE, AZ, 85308 |
| State Farm | Donna Kohlhase | 6836 E Brown Rd Ste 101, Mesa, AZ, 85207-3756 |
| State Farm | Lance Lane | Ste 110 20800 N John Wayne Pkwy, Maricopa, AZ, 85139-2728 |
| Farmers | Michael "Mike" Astemborski | 840 E Bethany Home Rd, Phoenix, AZ, 85014 |
| Allstate | Steve Sutto | 10001 W Bell Rd Ste 141, Sun City, AZ, 85351 |
| Place | 1 Car Bundle Savings On Insurance | 2 Car Bundle Savings On Insurance | 3 Car Bundle Savings On Insurance |
|---|---|---|---|
| Fountain Hills town, Arizona | $101 | $134 | $201 |
| Carefree town, Arizona | $115 | $153 | $230 |
| Paradise Valley town, Arizona | $129 | $172 | $258 |
| Place | Home insurance as a % of housing cost for homes with mortgage | Home insurance as a % of housing cost for homes without mortgage |
|---|---|---|
| Scottsdale, AZ | 2.7% | 10.4% |
| Fountain Hills | 2.91% | 11.52% |
| Carefree | 1.91% | 10.14% |
| Paradise Valley | 1.79% | 7.17% |
| Scottsdale Home By Monthly Rent | Total Homes | % of Total | Estimated Monthly Income To Afford Rented House Including Renters Insurance |
|---|---|---|---|
| $300 to $499 | 350 | 1.0% | $1207 |
| $500 to $749 | 2,518 | 8.0% | $1882 |
| $750 to $999 | 7,620 | 25.0% | $2632 |
| $1,000 to $1,499 | 11,678 | 39.0% | $3757 |
| $1,500 or more | 6,805 | 23.0% | $5407 |
| Streets in Scottsdale Area | Homeowners Insurance Cost |
|---|---|
| E Ann Way, E Remuda Dr, N 62nd, Breathless Dr, E Overlook Dr, N Eagle Feather Ridge Dr, N 145th Way, E Dusty Coyote Cir, E Lomas Verdes Dr, E Calistoga Cir | $694 |
| E Conieson Rd, N Medelice Ln, N Piedra Grande Dr, E Bella Vista Dr, E el Caminito Dr, Moreland St, N 128th Pl, Ocotillo Cir, E Redwing Rd, E Burnside Trl | $763 |
| E Sundown Cir, E Chia Way, N 144th Way, E Onyx Ct, N Dancing Sky Dr, N Burnt Water Trl, E White Wing Dr, E Mountain Spring Rd, E Arizona Park Pl, Pine Valley Rd | $800 |
| E Bursage Dr, E Prairie Cir, N Goldfield Rd, N Solcito Ln, N Carhill Ave, N Civic Center Plz, 51st Hwy, N Kachina Ln, E Bisbee Rd, E Coolidge Ave | $None |
| Ridgeline Dr, N Pulve Ct, 108th Way, E Tarantini Ln, N Rancho Vista Ct, E Quail Track Rd, E Summit Dr, Latham Dr, E Hope Dr, N Sunrise Ranch Rd | $722 |
| E Cll Redonda, E Scottsdale Healthcare Shea, E Flicker Dr, E Gila Bend Rd, E Brisa Dr, N Canyon Crossings Dr, E Saltillo Dr, E Greythorn Dr, N Sin Vacas Trl, E Woodley Way | $806 |
| N 135th Pl, E Meadowhill Dr, E Bahia Dr, E Rhoads Ct, N Fernwood Ln, E Foothill Dr N, N Pacesetter Way, E Mission Lane Cir, N Mimosa Dr, E Casa Blanca Dr | $817 |
| E Montgomery Ct, N Via de la Brisas, E Gamble Ln, N 123rd St, E Rovey, E Caballo Dr, E Hedgehog Pl, Desert Bloom Cir, E Hibiscus Way, E Grapevine Rd | $800 |
| Stirrup Cir, E Cll del Sol, E 73rd St, N White Wing Rd, E Cll Serena, E Firethorn Dr, E Ramuda Dr, E Desert Vista Dr, E Ann Way, N Mountainside Dr | $815 |
| E Mazatzal Cir, E Sienna Bouquet Pl, N Rockne Rd, E San Ramon Dr, E Palo Brea Dr, N Indigo Hill Dr, N Boulder Dr, E Via Sierra, E Via de Los Libros, E San Daniel Dr | $704 |
| Place | Savings For Senior Occupied Homes |
|---|---|
| Scottsdale | $102 to $104 |
| Fountain Hills | $100 |
| Carefree | $114 |
| Paradise Valley | $129 |
| Home value ($) | Construction type | Coverage | Company | Average homeowners insurance premium ($) | ||
|---|---|---|---|---|---|---|
| Other structure coverage ($) | Contents coverage ($) | Additional living expenses coverage ($) | ||||
| 300,000 | Frame | 30,000 | 225,000 | 60,000 | Aca Ic | 510 |
| 500,000 | Frame | 50,000 | 375,000 | 100,000 | American Security Ic | 2,342 |
| 300,000 | Masonry | 30,000 | 225,000 | 60,000 | Electric Ic | 1,431 |
| 500,000 | Frame | 50,000 | 375,000 | 100,000 | Farm Bureau P&C Ic | 1,864 |
| 300,000 | Frame | 30,000 | 225,000 | 60,000 | Merastar Ic | 976 |
| 300,000 | Masonry | 30,000 | 225,000 | 60,000 | Mercury Cas Co | 833 |
| 100,000 | Frame | 10,000 | 75,000 | 20,000 | Stillwater Ic | 316 |
| 100,000 | Frame | 10,000 | 75,000 | 20,000 | Union Ic Of Providence | 584 |
| 300,000 | Masonry | 30,000 | 225,000 | 60,000 | United Heritage P&C Co | 1,106 |
| 100,000 | Masonry | 10,000 | 75,000 | 20,000 | Universal North America Ic | 452 |
| Low Deductible | High Deductible | |
|---|---|---|
| Deductible | $1,900 | $2,900 |
| Yearly Scottsdale Homeowner Insurance Premium Example | $700 | $500 |
| Out of Pocket Expense During Claim | $1,900 | $2,900 |
| Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim | $7,500 | $6,900 |
| Net Savings to Scottsdale Home Owner from High Deductible Plan | $600 | |
| Scenario | Scottsdale, AZ Home Replacement Value MORE than Home Value | Scottsdale, AZ Home Replacement Value LESS than Home Value |
|---|---|---|
| Replacement Value | $1,300,000 | $820,000 |
| Insurance Premium based on Replacement Value | $4,550 | $2,875 |
| Risk Exposure from Under Insuring Coverage | Unnecessary Home Insurance Coverage of $180,000 | Risk Exposure from Under Insuring Coverage is $300,000 |
| Premium Impact | Insurance cheaper by $1,050/year | Insurance costlier by $625/year |
| Insurance Company | Amica Mutual Insurance Company | Liberty Mutual | Allstate |
| Monthly Premium | 146 | 101 | 44 |
| Year Built | 2010 | 1998 | 1979 |
| Home Details | 5 Beds, 3 Baths | 4 Beds, 2 Baths | 3 Beds, 1 Baths |
| Coverage Amount | $600000-$700000 | $400000-$500000 | $250000-$300000 |
| Deductible | $500 Deductible | $500 Deductible | > $10,000 Deductible |