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.
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 |
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 |
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 |
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 |
Place | Home insurance as a % of housing cost for homes with mortgage | Home insurance as a % of housing cost for homes without mortgage |
---|---|---|
Yuma, AZ | 3.9% | 15.9% |
Winterhaven-Bard | 7.81% | 22.2% |
Avenue B and C | 5.39% | 13.98% |
Fortuna Foothills | 4.03% | 18.82% |
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 |
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 |
Place | Savings For Senior Occupied Homes |
---|---|
Yuma | $90 to $93 |
El Prado Estates | $89 |
Buckshot | $85 |
Winterhaven-Bard | $86 |
Low Deductible | High 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 |
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 |
Insurance Company | State Farm | GEICO Insurance | American Family Insurance |
Monthly Premium | 30 | 17 | 62 |
Year Built | 1998 | 2012 | 2004 |
Home Details | 3 Beds, 1 Baths | 2 Beds, 1 Baths | 4 Beds, 1 Baths |
Coverage Amount | $150000-$175000 | $100000-$125000 | $250000-$300000 |
Deductible | $5000 to $10,000 Deductible | $2500-$5000 Deductible | $2500-$5000 Deductible |