Yuma Insurance Rates:

Yuma ,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 Yuma, 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 Yuma, AZ is $1579. Enter your zipcode below and click “GO” to get multiple free quotes.

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

 

Yuma, AZ Homeowners Insurance Rates by Coverage Level

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

Coverage Level Average Annual Premium
$100,000 $632
$200,000 $1,074
$300,000 $1,326
$400,000 $2,021
$500,000 $2,542

 

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

Deductible Level Average Annual Premium
$500 Deductible $1,619
$1000 Deductible $1,448
$1500 Deductible $1,366
$2500 Deductible $1,232
$5000 Deductible $1,042

 

 


Top Home Insurance Agents Near Yuma, AZ

Home Insurance Company Near Yuma, AZ Homeowners Insurance Agency Near Yuma, AZ Address
State Farm Katie Figueroa 360 W 20th St Ste C, Yuma, AZ, 85364-5637
Farmers Marie Puckett Lutcf 1210 W 24th St Ste 1, Yuma, AZ, 85364
Travelers Schofield Family Insurance Llc 2435 S 8TH AVE, YUMA, AZ, 85364
Farmers Valentin Guzman 1840 S 4th Ave Ste 3, Yuma, AZ, 85364
Travelers Weatherly Ins Llc 2160 W RANCHO DEL SOL ST, SOMERTON, AZ, 85350

Yuma, AZ Home Insurance Agents for Top Companies

 

Yuma, 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
Winterhaven-Bard CCD, Imperial County, California $86 $115 $173
Avenue B and C CDP, Arizona $86 $114 $171
Fortuna Foothills CDP, Arizona $90 $120 $180

 


Yuma, 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
Yuma, AZ3.9%15.9%
Winterhaven-Bard7.81%22.2%
Avenue B and C5.39%13.98%
Fortuna Foothills4.03%18.82%

Yuma Renters Insurance as a Percentage of Rent

Yuma Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 282 1.0% $365
$200 to $299 240 1.0% $815
$300 to $499 1,425 8.0% $1265
$500 to $749 3,871 24.0% $1940
$750 to $999 4,171 26.0% $2690
$1,000 to $1,499 4,971 31.0% $3815
$1,500 or more 967 6.0% $5465

Cost Of Homeowners Insurance By Street Near Yuma, AZ

Streets in Yuma Area Homeowners Insurance Cost
S Parkview Cir, W 24th Ln, E Wagonwheel Dr, S Prickley Pear Ln, S Viewpointe Ave, S Copper View Way, 40th Pl, Grays Rd, E 45th Dr, S Emerald Ave$595
E Warren Dr, S Ave 14 1/2 E, E San Marcos Dr, E 26th Ln, E 38th Ln, S Alondra Way, S 18th Ave, 39th Dr, S James Cir, Talbot Stl$587
S 16th Ave, S Ave G, E Daybreak St, E Cll Gaudi, S Shell Ave, S Elm St, E County 11 1/2 St, W 31st Pl, 31st St, S Cortez Ave$644
S Pacific Ave, N 8th Ave, Sun River, S 38th Dr, E 17th St, Coker Loop, E 48th Dr, Organ Pipe Dr, E 46th Dr, E 31st Pl$590
29th Dr, S Glenwood Ave, E 49th Dr, S Fortuna Ave, Lynn Dr, E del Verde Dr, Katie Dr, E San Gabriel Dr, S 37th Dr, S Renee Ave$613
Co 3rd St S, S Chisolm Way, E Corral St, Linda Dr, Duck Rd, 38th Pl, W Rio Colorado Dr, W Lisbon St, E Clle Entrada, S Ave E$647
S Sidewinder Ave, W Crane St, S Edgewood Dr, S Tierra Bonita Blvd, S Mona Ave, E Gila Ridge Rd, Karimme Ave, S Pamela Ln, S 37th Dr, S Cactus Wren Ln$596
S Celeste Ln, S Clifford Way, S 16th Ave, W Vicky Ln, S Barbara Ave, S 26th Dr, S Figueroa Ave, S Joshua Ln, W 31st Pl, S Winsor Ave$605
30th Pl, S Woodpecker Way, E 3rd St, W 28th Pl, S Cardinal Ln, Goose St, E Harvard St, South Virginia Dr, S Ave 12 1/2 E, James Ave$599
S Pinto Way, S Donna Ave, S Catalina Dr, S Engler Ave, E Corona Dr, S Rancho Way, 36th Dr, S Ave 2 E, Diane Dr, Fortuna Rd$604

Yuma, AZ Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Yuma$90 to $93
El Prado Estates$89
Buckshot$85
Winterhaven-Bard$86

Yuma, AZ Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,500$2,500
Yearly Yuma Homeowner Insurance Premium Example $400$200
Out of Pocket Expense During Claim$1,500$2,500
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $4,700$4,100
Net Savings to Yuma Home Owner from High Deductible Plan $600

 


Yuma, AZ Home Insurance Costs With Home Replacement Value Scenarios

Scenario Yuma, AZ Home Replacement Value MORE than Home Value Yuma, AZ Home Replacement Value LESS than Home Value
Replacement Value $113,000 $73,000
Insurance Premium based on Replacement Value $400 $250
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $24,500 Risk Exposure from Under Insuring Coverage is $15,500
Premium Impact Insurance cheaper by $50/year Insurance costlier by $100/year

 


Example Yuma Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company State FarmGEICO InsuranceAmerican Family Insurance
Monthly Premium 301762
Year Built 199820122004
Home Details 3 Beds, 1 Baths2 Beds, 1 Baths4 Beds, 1 Baths
Coverage Amount $150000-$175000$100000-$125000$250000-$300000
Deductible $5000 to $10,000 Deductible$2500-$5000 Deductible$2500-$5000 Deductible