Surprise Insurance Rates:

Surprise, AZ homeowners insurance is approximately $528 to $717, about $44-$59/month. Our thorough research indicates shoppers can save upto $248 by getting different quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

I would recommend Allstate because, based on my experience with them, I have found them to be honest, straightforward and more than willing to help make things work for the consumer.
State Farm
We have had very good luck with State Farm. Between hail on the roof to a shed that got pretty much blown away in a strong norther, they've taken care of us, quick and simple.
Farm Bureau
I have my house insurance, mortgage, and taxes all into a lump sum amount in an escrow account. Minus the taxes and mortgage, the amount I pay each month is 98 dollars.
USAA trusts their clients and has not disputed claims in the past. We had a bad hail storm where many homeowner's roofs were in need of repair or replacement here in San Antonio.
They will protect my house in case the sump pump breaks or the sewer overflows. I appreciate this peace of mind this coverage provides
I believe that I get a lot of coverage for a small monthly or. My coverage was increased for little extra when I moved.
It does cover fire, hail, water, wind, damage as well as theft and personal liability when most make you get multiple different policies.
Liberty Mutual
Liberty mutual call center representatives and management refuse to take responsibility for misinformation provided and instead place blame on the policyholder.
American Family
I had a very negative experience when it came to filing a claim. the company sent an inexperienced adjuster to my home to access a claim and he did not have the knowledge to provide an accurate claim value.
USAA has been very responsive when we have had a claim, including sending an adjuster out shortly after a hail storm.
State Farm
They don't send me much junk mail, which I like. The interaction with agent or reps are smooth
It is pretty easy to navigate and to figure out the layout of the site. I wish that I could read my entire plan coverage on the site. That is really my only dislike.
So far I don't have any dislikes. This may change if I need to call for a claim or adjust coverage, but it hasn't been a year yet to see if they increase my rates, etc. I would like to follow up this survey in a year.
The premium offered by USAA is a little better than what is offered by other companies in this area. It is probably due to the business model employed by USAA.
State Farm
They have always been there for me to answer questions or respond to a claim when needed. They do not pester me with offers and things that I do not require
I like the company's app because it makes it easy to make claims and to look up what I am covered for in the event of an emergency, it is an intuitive and well-designed app with a very easy to use interface.
The only thing I do not like is not related to insurance and it mainly pertains to them not having ATM machines that I can use to deposit cash. the fact that everything else can be done online or on my phone outweighs that issue though.
They aren't a bad company to deal with. They take care of what I need to be taken care of when I need it so I guess I can't complain
State Farm
The only thing I dislike is that the policy may not cover water damage due to leaking pipes behind walls where they can't be seen. I think more extensive coverage should be provided at a reasonable cost.
Allied Insurance
I like that the company I have chosen is reliable and reputable. The insurance agent can always be counted on to communicate quickly with me.
Amica Mutual Insurance
I have had good experiences thus far with my insurance company. I have no complaints. They are prompt when they answer the phone. The website is accessible.
Farmer's Insurance
They are honest and fair, and explain everything to you in detail if you're a first time buyer or need more info on a specific policy. They have a solid record of paying any claims efficiently and respectfully. Highly recommended.
I would recommend as I've never had any problems but wouldnt go out of my way to recommend as I've never needed help much either.
I would highly recommend Usaa homeowners insurance company due to their excellent customer service and their ability to truly work with the homeowner in all situations.
How they handled our car accident. Both of us were USAA clients but they sided with someone in the wrong lane. It was an unfair advantage but they followed a ticket that was false and a judge dismissed the ticket for lack of evidence.
Liberty Mutual
There's nothing I truly dislike about the company, the one time I had needed to file everything went smoothly for me. I was happy with the results and the customer service is always friendly and willing to work with you
Farm Bureau
I like my insurance company. They do a good job, offer competitive pricing and are good at responding to questions in a timely manner.
I sometimes feel like I could get a better price elsewhere. However, the customer service is so good that I stay put.
I would highly recommend USAA. I don't know for sure how their premiums compare to those of other companies, but I've heard that it's cheap.
Farm Bureau
I would highly recommend Farm Bureau because they have the best customer service and are always there to help us with anything we need. They also have the best prices in our area.
I would recommend this insurance company because it offers great services.

Surprise, AZ Homeowners Insurance By Home Value

Surprise, AZ Home Value Total Homes % of Total Average Surprise, AZ Homeowners Insurance
Less than $50,000 1,165 4.0% $80
$70,000 to $79,999 297 1.0% $242
$80,000 to $89,999 906 3.0% $273
$90,000 to $99,999 1,188 4.0% $311
$100,000 to $124,999 2,793 9.0% $360
$125,000 to $149,999 3,077 10.0% $447
$150,000 to $174,999 4,366 15.0% $528
$175,000 to $199,999 2,760 9.0% $615
$200,000 to $249,999 5,715 19.0% $740
$250,000 to $299,999 3,622 12.0% $901
$300,000 to $399,999 2,881 9.0% $1144

Top Home Insurance Agents Near Surprise, AZ

Home Insurance Company Near Surprise, AZ Homeowners Insurance Agency Near Surprise, AZ Address
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
NA Bms Insurance Solutions, Inc. 4731 E Union Hills Dr Ste 114, Phoenix, AZ, 85050

Surprise, AZ Home Insurance Agents for Top Companies

Cost Of Homeowners Insurance By Street Near Surprise, AZ

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

Surprise, AZ Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Surprise$93 to $95
Sun City West$93
Citrus Park$100

Surprise, 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
Sun City West CDP, Arizona $78 $103 $155
Wittmann CDP, Arizona $75 $99 $149
El Mirage city, Arizona $75 $99 $149

Surprise, 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
Surprise, AZ3.3%12.9%
Sun City West4.81%15.16%
El Mirage3.88%15.41%
Citrus Park2.83%8.08%

Surprise Renters Insurance as a Percentage of Rent

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

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

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

Surprise, AZ Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
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

Surprise, AZ Home Insurance Costs With Home Replacement Value Scenarios

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

Example Surprise Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Chubb Group of InsuranceTravelersAllstate
Monthly Premium 477490
Year Built 200720102006
Home Details 3 Beds, 1 Baths4 Beds, 1 Baths5 Beds, 3 Baths
Coverage Amount $200000-$250000$250000-$300000$500000-$600000
Deductible $500- $1000 Deductible$500- $1000 Deductible$1000-$2500 Deductible

Sample Home Insurance Rates for Surprise, AZ from Consumer Reviews & Surveys

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
2005 300,000 Membrane Roof 3,120 4 $2500-$5000 Deductible 300 7 Wood siding yes
2013 165,000 Shingles Roof 1,270 3 $500 Deductible 500 9 Vinyl siding No
2000 150,000 Asphalt Shingles Roof 1,570 3 $1000-$2500 Deductible 30 1 Fiber-Cement Siding No
2012 215,000 Wood Shake Roof 1,840 4 $500 Deductible 230 5 Wood siding No
2004 165,000 Tile Roof 1,860 3 $2500-$5000 Deductible 90 4 Stucco siding No
2012 340,000 Slate Shingles Roof 3,440 5 $500- $1000 Deductible 380 6 Brick siding yes
2005 185,000 Composition Roof 1,740 3 $500 Deductible 40 1 Fiber-Cement Siding yes
2010 125,000 Metal Roof 1,310 3 $500- $1000 Deductible 100 4 Brick siding No
2005 385,000 Composition Roof 3,190 4 $500- $1000 Deductible 880 12 Fiber-Cement Siding No
2014 430,000 Membrane Roof 3,340 5 $5000 to $10,000 Deductible 440 6 Vinyl siding yes
2002 445,000 Metal Roof 4,110 5 $1000-$2500 Deductible 990 9 Fiber-Cement Siding yes
2010 320,000 Asphalt Shingles Roof 2,850 4 $500 Deductible 290 4 Stone Siding yes
2006 255,000 Slate Shingles Roof 2,170 3 $1000-$2500 Deductible 270 7 Fiber-Cement Siding No
2004 210,000 Slate Shingles Roof 1,900 3 $5000 to $10,000 Deductible 30 1 Wood siding No
2014 245,000 Wood Shake Roof 2,040 3 $500- $1000 Deductible 320 7 Stone Siding yes
2004 360,000 Asphalt Shingles Roof 3,130 4 $2500-$5000 Deductible 100 2 Stone Siding No
2010 200,000 Asphalt Shingles Roof 1,880 3 $5000 to $10,000 Deductible 230 6 Vinyl siding yes
2008 315,000 Slate Shingles Roof 2,470 4 $500 Deductible 460 7 Stucco siding yes
2012 210,000 Wood Shake Roof 1,640 4 > $10,000 Deductible 30 1 Brick siding No
2014 165,000 Slate Shingles Roof 1,440 3 $1000-$2500 Deductible 230 6 Brick siding No
2002 475,000 Shingles Roof 4,330 5 $500 Deductible 630 6 Stucco siding No
2010 155,000 Slate Shingles Roof 1,300 3 $1000-$2500 Deductible 70 2 Vinyl siding yes
2005 150,000 Asphalt Shingles Roof 1,200 3 $5000 to $10,000 Deductible 140 6 Vinyl siding No
2005 205,000 Shingles Roof 2,380 3 $2500-$5000 Deductible 50 1 Vinyl siding No
2014 245,000 Slate Shingles Roof 2,180 3 $1000-$2500 Deductible 100 2 Wood siding No
2013 300,000 Shingles Roof 2,520 4 $5000 to $10,000 Deductible 110 3 Stone Siding yes
2001 140,000 Slate Shingles Roof 1,370 3 $500- $1000 Deductible 180 6 Stone Siding yes
2013 205,000 Membrane Roof 1,920 3 $500- $1000 Deductible 230 6 Stone Siding No
2013 210,000 Asphalt Shingles Roof 1,860 3 $5000 to $10,000 Deductible 100 4 Stucco siding yes
1997 135,000 Composition Roof 1,461 3 $5000 to $10,000 Deductible 520 8 Wood siding yes

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