Tempe Insurance Rates:

Tempe ,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 Tempe, 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 Tempe, AZ is $1682. Enter your zipcode below and click “GO” to get multiple free quotes.

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


Tempe, AZ Homeowners Insurance Rates by Coverage Level

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

Coverage Level Average Annual Premium
$100,000 $673
$200,000 $1,144
$300,000 $1,413
$400,000 $2,153
$500,000 $2,708


Tempe, AZ Homeowners Insurance Rates by ZIP Code

Home insurance costs in Tempe 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
085284 $1,691
85283 $1,588
85282 $1,575
85281 $1,569


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

Deductible Level Average Annual Premium
$500 Deductible $1,725
$1000 Deductible $1,542
$1500 Deductible $1,455
$2500 Deductible $1,312
$5000 Deductible $1,110



Top Home Insurance Agents Near Tempe, AZ

Home Insurance Company Near Tempe, AZ Homeowners Insurance Agency Near Tempe, AZ Address
Travelers Bennett Insurance Group Inc 24654 N Lake Pleasant Pkwy # 103-575, Peoria, AZ, 85383
Travelers Burski Insurance Agency Llc 7347 N 43RD LN, GLENDALE, AZ, 85301
Allstate Don Stoll 3030 S Rural Rd Ste 104, Tempe, AZ, 85282
Travelers Lebaron & Carroll Llc 1350 E SOUTHERN AVE, MESA, AZ, 85204
Liberty Mutual Rebecca Kossmann 4505 E. Chandler Blvd. Ste 145, Phoenix, AZ, 85048

Tempe, AZ Home Insurance Agents for Top Companies


Tempe, 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
Guadalupe town, Arizona $89 $119 $179
Phoenix CCD, Maricopa County, Arizona $92 $123 $185
Paradise Valley town, Arizona $129 $172 $258


Tempe, 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
Tempe, AZ3.4%12.2%
Paradise Valley1.79%7.17%

Tempe Renters Insurance as a Percentage of Rent

Tempe Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$300 to $499 852 2.0% $1246
$500 to $749 7,891 23.0% $1921
$750 to $999 11,330 33.0% $2671
$1,000 to $1,499 10,091 29.0% $3796
$1,500 or more 3,582 10.0% $5446

Cost Of Homeowners Insurance By Street Near Tempe, AZ

Streets in Tempe Area Homeowners Insurance Cost
S Research Dr, S Shafer Dr, E Cír S Hernandez B, S Indian Bend Rd, E Bohl St, E 13th St, W Madero Ave, E Hopi St, E Cll de Caballos, S 48th Pl$624
E Caroline Ln, E Aspen Dr, S Pvt, S Tonopah Dr, W Morino Ct, N May, S Butte St, W Warner Ranch Dr, E Biehn St, E Stephens Dr$666
E Country Club Way, Anozira S Pkwy, W 14th St, E Alta Mesa Ave, S Sierra Vista Dr, W Osage Cir, E Circle Juan Tavena, W Detroit Ct, E Mesquite Cir, W Plata Ave$615
W Onza Cir, N Champlain Ave, Terrace Cir, N Center Pkwy, W Magdalena Dr, S Cll Moctezuma, S Poplar Dr, E Weber Dr, E Papago Dr, E Keresan St$618
E Ellis Dr, N Brandon Dr, E Cornell Dr, E Sandpiper Dr, W Bolero Dr, N Gene Ave, S Lebanon Ln, W Des Moines Cir, W Greentree Dr, W Project Dr$639
E Spence Ave, S 45th Ct, S Monterey Ave, E Sesame St, S Don Luis, E Zia St, S Pecan Grove Cir, S Torre Molinos Cir, N la Rosa Dr, E Corral Rd$631
W Cll de Arcos, S Shafer Dr, E la Diosa Dr, Shannon Dr, S Orm Dr, S Towers St, S 50th St, S Morrow St, W Kiva Ave, E Chelsea Manor$642
S Birchett Dr, W Sunburst Ln, S Golf Dr, W Dixon St, E Maldonado Dr, S Michele Dr, E Gemini Dr, W del Rio Ct, W 15th St, W Jibsail Loop$699
E Oxford Cir, E Stanford Dr, W Westcourt Way, W Hudson Ln, W 17th St, E Don Carlos Ave, S Albert St, W Willow St, E Circle Dr, S Minton Dr$598
E Knight Ln, S Craver Pl, N Judd Pl, W Erie Dr, E Miami Ave, W Red Mountain Acc, Coconino St, W Kelly Ln, E Alexander Blvd, W Fremont Dr$671

Tempe, AZ Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Tempe$94 to $96
Paradise Valley$129

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

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 Farmers Ins Exchange 1,159
500,000 Frame 50,000 375,000 100,000 Great Northwest Ic 1,277
500,000 Masonry 50,000 375,000 100,000 Hartford Fire Ic 1,547
300,000 Masonry 30,000 225,000 60,000 Nationwide Ic Of America 946
100,000 Frame 10,000 75,000 20,000 Praetorian Ic 393
100,000 Frame 10,000 75,000 20,000 Secura Supreme Ic 345
300,000 Frame 30,000 225,000 60,000 Unigard Ic 673
500,000 Masonry 50,000 375,000 100,000 Union Ic Of Providence 1,808
300,000 Masonry 30,000 225,000 60,000 Universal North America Ic 794


Tempe, AZ Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Yearly Tempe Homeowner Insurance Premium Example $800$600
Out of Pocket Expense During Claim$500$1,500
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $6,900$6,300
Net Savings to Tempe Home Owner from High Deductible Plan $600


Tempe, AZ Home Insurance Costs With Home Replacement Value Scenarios

Scenario Tempe, AZ Home Replacement Value MORE than Home Value Tempe, AZ Home Replacement Value LESS than Home Value
Replacement Value $432,000 $271,000
Insurance Premium based on Replacement Value $1,075 $675
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $72,000 Risk Exposure from Under Insuring Coverage is $89,000
Premium Impact Insurance cheaper by $225/year Insurance costlier by $175/year


Example Tempe Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Nationwide InsuranceAllstateTravelers
Monthly Premium 433545
Year Built 200819861994
Home Details 2 Beds, 1 Baths4 Beds, 1 Baths5 Beds, 1 Baths
Coverage Amount $200000-$250000$250000-$300000$200000-$250000
Deductible $1000-$2500 Deductible> $10,000 Deductible$2500-$5000 Deductible