Surprise ,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 Surprise, 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 Surprise, AZ is $1659. Enter your zipcode below and click “GO” to get multiple free quotes.
It is important to understand the different coverage options available in Surprise, AZ. VHome Insurance will help you navigate the world of homeowners insurance coverages in Surprise, AZ.
| Coverage Level | Average Annual Premium |
|---|---|
| $100,000 | $664 |
| $200,000 | $1,128 |
| $300,000 | $1,394 |
| $400,000 | $2,124 |
| $500,000 | $2,671 |
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 Surprise, AZ, and how to choose the right one for your needs.
| Deductible Level | Average Annual Premium |
|---|---|
| $500 Deductible | $1,701 |
| $1000 Deductible | $1,521 |
| $1500 Deductible | $1,435 |
| $2500 Deductible | $1,294 |
| $5000 Deductible | $1,095 |
| Home Insurance Company Near Surprise, AZ | Homeowners Insurance Agency Near Surprise, AZ | Address |
|---|---|---|
| NA | Bms Insurance Solutions, Inc. | 4731 E Union Hills Dr Ste 114, Phoenix, AZ, 85050 |
| Liberty Mutual | Jody Short | 14815 West Bell Road Suite 106, Surprise, AZ, 85374 |
| Farmers | John Wallace | 3632 W Pinnacle Peak Rd # 105, Glendale, AZ, 85310 |
| State Farm | Lecia Scaglione | 4727 East Bell Road, Phoenix, AZ, 85032 |
| State Farm | Ric Newman | Ranch Rd Ste 110 10401 E McDowell Mountain, Scottsdale, AZ, 85255-7524 |
| Place | 1 Car Bundle Savings On Insurance | 2 Car Bundle Savings On Insurance | 3 Car Bundle Savings On Insurance |
|---|---|---|---|
| Sun City West CDP, Arizona | $78 | $103 | $155 |
| Wittmann CDP, Arizona | $75 | $99 | $149 |
| El Mirage city, Arizona | $75 | $99 | $149 |
| Place | Home insurance as a % of housing cost for homes with mortgage | Home insurance as a % of housing cost for homes without mortgage |
|---|---|---|
| Surprise, AZ | 3.3% | 12.9% |
| Sun City West | 4.81% | 15.16% |
| El Mirage | 3.88% | 15.41% |
| Citrus Park | 2.83% | 8.08% |
| Surprise Home By Monthly Rent | Total Homes | % of Total | Estimated Monthly Income To Afford Rented House Including Renters Insurance |
|---|---|---|---|
| $500 to $749 | 556 | 5.0% | $1927 |
| $750 to $999 | 1,274 | 13.0% | $2677 |
| $1,000 to $1,499 | 5,527 | 59.0% | $3802 |
| $1,500 or more | 1,823 | 19.0% | $5452 |
| Streets in Surprise Area | Homeowners Insurance Cost |
|---|---|
| Maiden's Blush Dr, W Blue Verde Dr, W Lachlan Ct, W Bursage, N 184th Ave, N Elm Dr, N 128th Ln, N Quail Run, N Quarterhorse Trl, W Overlook Rd | $617 |
| W 219th Ave, N Twin Buttes Dr, Bent Tree Dr, N Hidden Ridge Dr, N Stonebrook Dr, W Greer St, N 157th Ln, W Cameo Dr, N Overlook Rd, N 207th Ct | $608 |
| Lainie Ct, N 154th Ct, W Rockrose Way, Acapulco Dr, N 162 Ave, W Traditions Ln, W Summer Rainbow Ln, N Tanglewood Dr, N Vickery Cir, N Las Alturas Dr | $616 |
| W Jackpot Way, N Lupine Trl, Ewers Dr, N Parada Dr, W Langer Ln, N 164th Ave, N Ventana Dr W, W Blankenship Dr, N Painted Cove Ln, Crossroads Blvd | $610 |
| N Jerry St, N 139th Ave, W Whispering Wind Trl, N Goldwater Dr, Desert Vis, 114th Ave, W Pine Mountain Ct, N 163rd Ln, N la Paz Ln, N Barberry Ln | $607 |
| N Queen Palm Ln, N 148th Ct, N Suncrest Ct, N 167th Dr, W Starry Sky Dr, N 241st Ave, W Highwood Ln, W Carlin Dr, W Limestone Dr, W Center St | $617 |
| W Legend Dr, 138th Ave, N Prospector, N Great Basin Ct, Dove Valley Rd, W Legend Dr, W Walking Stick Way, N 296th Ln, N Basl Ln, N 206th Ave | $601 |
| Quail Ave, W Pecos Ln, W Bramble Berry Ln, N 253rd Ave, N Augusta Ln, W Kodiak Dr, W Giovota Dr, W 288th Ave, Cahan Dr, N Cochise Ln | $640 |
| W Mimosa Dr, W Cerrito Ln, W Circle Cliffs Dr, Spartan Ct, N Patina Ct, W Kings Dr, W Domino Dr, Crimson Ridge Way, N 161 Ln, N Sonora Ln | $663 |
| N 120th Ave, W Summerwind Ln, W Desert Rock Dr, N Desert Sage Ln, W Bayside Rd, N Bobwhite Dr, W Glendora Ct, W Desert Wren Ct, Auburn Dr, Pierce | $647 |
| Place | Savings For Senior Occupied Homes |
|---|---|
| Surprise | $93 to $95 |
| Sun City West | $93 |
| Wittmann | $89 |
| Citrus Park | $100 |
| Home value ($) | Construction type | Coverage | Company | Average homeowners insurance premium ($) | ||
|---|---|---|---|---|---|---|
| Other structure coverage ($) | Contents coverage ($) | Additional living expenses coverage ($) | ||||
| 300,000 | Masonry | 30,000 | 225,000 | 60,000 | Central Mutual Ic | 888 |
| 100,000 | Frame | 10,000 | 75,000 | 20,000 | Cincinnati Ic | 419 |
| 100,000 | Masonry | 10,000 | 75,000 | 20,000 | Electric Ic | 693 |
| 100,000 | Frame | 10,000 | 75,000 | 20,000 | Farm Bureau P&C Ic | 528 |
| 100,000 | Masonry | 10,000 | 75,000 | 20,000 | Great Northwest Ic | 493 |
| 300,000 | Frame | 30,000 | 225,000 | 60,000 | Homesite Ind Co | 850 |
| 300,000 | Frame | 30,000 | 225,000 | 60,000 | Ids Property Cas Ic | 513 |
| 500,000 | Masonry | 50,000 | 375,000 | 100,000 | Milbank Ic | 1,575 |
| 100,000 | Masonry | 10,000 | 75,000 | 20,000 | Unigard Ic | 324 |
| 100,000 | Frame | 10,000 | 75,000 | 20,000 | Universal North America Ic | 426 |
| Low Deductible | High Deductible | |
|---|---|---|
| Deductible | $1,300 | $3,300 |
| Yearly Surprise Homeowner Insurance Premium Example | $1,500 | $1,000 |
| Out of Pocket Expense During Claim | $1,300 | $3,300 |
| Total Home Insurance Premium for 7 years + Out of Pocket Expense for Claim | $11,800 | $10,300 |
| Net Savings to Surprise Home Owner from High Deductible Plan | $1,500 | |
| Scenario | Surprise, AZ Home Replacement Value MORE than Home Value | Surprise, AZ Home Replacement Value LESS than Home Value |
|---|---|---|
| Replacement Value | $173,000 | $115,000 |
| Insurance Premium based on Replacement Value | $425 | $275 |
| Risk Exposure from Under Insuring Coverage | Unnecessary Home Insurance Coverage of $30,500 | Risk Exposure from Under Insuring Coverage is $27,500 |
| Premium Impact | Insurance cheaper by $75/year | Insurance costlier by $75/year |
| Insurance Company | Chubb Group of Insurance | Travelers | Allstate |
| Monthly Premium | 47 | 74 | 90 |
| Year Built | 2007 | 2010 | 2006 |
| Home Details | 3 Beds, 1 Baths | 4 Beds, 1 Baths | 5 Beds, 3 Baths |
| Coverage Amount | $200000-$250000 | $250000-$300000 | $500000-$600000 |
| Deductible | $500- $1000 Deductible | $500- $1000 Deductible | $1000-$2500 Deductible |