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Average cost of homeowners insurance in Chandler, Arizona

The average cost of homeowners insurance in Chandler, AZ, is $830.32. As a homeowner in Chandler, AZ, it is important to have homeowners insurance. Homeowners insurance protects your home and belongings if a covered disaster, such as a fire or theft. It also provides liability coverage if someone is injured on your property. Homeowners insurance can help you repair or rebuild your home and replace your belongings in a covered disaster. Without homeowners insurance, you could be left to pay for repairs and replacements out of your own pocket. Homeowners insurance is an important part of being a homeowner and can give you peace of mind in knowing that you and your home are protected.

Home insurance policies can be customized to meet the demands and financial capabilities of the policyholders. The cost of insurance is affected by a number of variables, including the kind of coverage, the deductible, the age of the home, safety features, the neighborhood where you live, the weather, and many more. Therefore, before buying home insurance in Chandler, Arizona, homeowners must do extensive research on the prices and advantages offered by the providers. Here are a few ways to help you find affordable homeowners insurance in Chandler, Arizona.

Factors affecting home insurance in Chandler, AZ:

1. Home insurance rates by coverage levels

2. Home insurance rates by deductibles

3. Home insurance rates by the age of the home

4. Home insurance rates by the safety features

Homeowners Insurance in Chandler, AZ- Rates by Coverage Level

One of the key elements influencing your homeowner's insurance prices is the coverage you choose. Your rate will go up the more coverage you have. However, it's necessary to have sufficient coverage to safeguard your house and possessions in the event of a catastrophe. You might have to pay out of pocket to fix or replace your house and possessions if you don't have enough coverage. For instance, in Chandler, Arizona, homeowners who select $300K in coverage pay $1164 for their house insurance.

See the chart below for details on Chandler, Arizona's home insurance rates by level of coverage.

Homeowners Insurance in Chandler, AZ - Rates by Deductibles

Deductibles work by transferring some of the risks of loss from the insurance company to the policyholder. By agreeing to pay a larger out-of-pocket amount in case of a claim, the policyholder is telling the insurer that they are willing to bear more of the risk. In exchange for this, the insurer agrees to lower the premium. You should never choose a deductible that you cannot afford to pay. If you have a claim, you will be responsible for paying the entire deductible before the insurance company starts to pay. Homeowners in Chandler, Arizona, who select a $1,000 deductible pay $743 for their house insurance, as opposed to those who choose a $500 deductible and spend $821.

Homeowners Insurance in Chandler, AZ - Rates by the Age of the Home

One of the elements influencing homeowners insurance premiums is the age of the house. Older houses are more prone to structural issues, such as leaks and cracks, which raises the cost of repairs and replacements and insurance premiums. These issues are less common in newer homes, which may result in lower insurance costs. In Chandler, Arizona, for instance, homes that are 30 years old have a premium of $843, whilst newly built homes have a premium of $607.

Homeowners Insurance in Chandler, AZ- Rates by the Safety Features

As the cost of homeowners insurance in Chandler, AZ, continues to rise, many policyholders are looking for ways to save money on their coverage. One way to do this is by installing safety features in their homes. Safety features can help reduce homeowners insurance costs by making the home less likely to be damaged or destroyed in a fire, burglary, or other covered events. Some common safety features that can help to lower rates include smoke detectors, fire extinguishers, and security systems. For instance, in Chandler, Arizona, homeowners insurance pays $756 and $773 for homes with sprinkler systems and smoke detectors.

Top Home Insurance Companies in Chandler, AZ

Home Insurance Company A.M. Best Financial Strength Rating Homeowners Insurance Market share
Liberty Mutual A 8.64%
Allstate A+ 8.64%
Nationwide A+ 8%
Travelers A++ 4.13%
Erie A+ 3.5%

Top Erie Home Insurance Agents in Chandler, AZ

Homeowners Insurance Agents Agent Address Contact Details
Isu Insurance & Investment Group 701 N SCOTTSDALE RD
85257
602-274-1116
Downs & Associates Inc 4001 E Bell Rd Ste 122
85032
(602) 567-0209
Macias Insurance Agency 2101 E BROADWAY RD STE 6
www.maciasinsurance.com 85282
480-656-1036
Prism Insurance Llc 7420 E Pinnacle Peak Rd Ste 120
www.prisminsurancellc.com 85255
(480) 922-0000
Weaver Insurance & Financial 16844 E Avenue Of The Fountains Ste 202
85268
Pretak And Pagones Insurance Agency Inc. 9950 W Van Buren St Ste 102
prepaginsurance.com 85323
(623) 362-3663
Jim Honeycutt Insurance Agency Inc. 497 W RAY RD STE 2
85225
480-855-5562
Harmon & Harmon Insurance Agency Inc 615 W Deer Valley Rd Ste 121
85027
(623) 587-9679
Ziemba Insurance Agency 15610 N 35Th Ave Ste 5
85053
Capital Area Insurance Group Llc 928 S Mill Ave
85281-8691
480-967-3378

Top Nationwide Home Insurance Agents in Chandler, AZ

Homeowners Insurance Agents Agent Address Contact Details
John G Rogers And Associates Inc 16100 N 71ST STREET STE 120
85254
480-464-2525
Jacqueline R Daniels-Shaw 706 E BELL RD STE 100
85022
602-482-5880
Spotts Insurance Group Inc 16821 N 32Nd Ave
85053
Mahan Insurance Services Inc 15020 N HAYDEN RD B202-2
85260
480-948-3571
Stewart Agency Inc. 3850 E Baseline Rd 3850 E Baseline Rd
85206
Akin & Associates Inc. 300 N Gila Sprgs Blvd
85226-2727
480-659-5263
John G Rogers And Associates Inc 5425 E BELL RD STE 103
85254
480-214-3544
William M Therit Jr 8817 E Bell Rd Ste 202
85260
Jessica L Burick 42138 N MOUNTAIN COVE DR
85086
310-214-2444
Dcjd Corp 4151 W Bethany Home Rd Ste A
85019
(602) 841-1421

Top Liberty Mutual Home Insurance Agents in Chandler, AZ

Homeowners Insurance Agents Agent Address Contact Details
Nick Pirozzi 6550 E MAIN ST
85205
(480) 832-8370
Dhwanika Patel 985 W Chandler Hghts Rd Ste 3
85248
(480) 477-7511
Daisy Romero 7075 W Bell Road
85308-8547
623-878-6650
Jessica Novak 1320 W CAVEDALE DR
85085
480-575-7250
Elaine Irvin 23425 N 39th Dr Ste 104
85310
(602) 765-4915
Michael Sullivan 14815 West Bell Road Suite 106
85374
1-623-584-3100
Al Drago Lutcf 3040 E Cactus Rd Ste 2
85032-7196
602-971-3130
Rebecca Kossmann 3170 S Gilbert Rd Ste 5
85286
(602) 625-2306
Machelle Heffron 1745 S ALMA SCHOOL RD 174
85210
480-386-1127
Lynn Swink 3851 E MAIN ST
85205
480-924-2600

Top Allstate Home Insurance Agents in Chandler, AZ

Homeowners Insurance Agents Agent Address Contact Details
Andrew Ribaudo Ranch Rd Ste 110 10401 E McDowell Mountain
85255-7524
480-860-2121
Terry Lee Cale 919 N 1St St
85004
Nottoli Insurance Agency Inc 2531 W DUNLAP AVE
85021
(602) 870-1711
Rick English 24654 N Lake Pleasant Pkwy Ste 104
85383
(623) 299-9600
Tommy Wood 14122 W Mcdowell Rd Ste 103C
85395
Dee Mcknight 7787 W Deer Valley Rd Ste 297
85382
(623) 362-8122
Crowther And Larson Agency 13825 N 7th Street
85022-4342
602-866-7900
Mark Moskal 3654 N Power Rd Ste 166
85215
(480) 396-4600
John G. O'Malley 3970 E CREST LN
85050
480-907-5476
The Murray Insurance Agency 13347 W Gloria Ln
85383

Top Travelers Home Insurance Agents in Chandler, AZ

Homeowners Insurance Agents Agent Address Contact Details
Greater Midstates Insurance Agency Inc 1834 E Baseline Rd Ste 101
85283
(480) 345-7772
Email:plmj@verizon.net
Echols Insurance Agency 4350 E Camelback Rd Ste A240
85018
(480) 922-4663
Alternatives Ins Of Chesterfield Mo 4727 E Bell Rd Ste 63
85032-2312
602-992-9299
David E Arthur 1489 S Higley Rd
85296
480-633-0324
Woodcreek Insurance Services 625 N Rd Ste 107
www.woodcreekins.com 85234

Email:SERVICE@WOODCREEKINS.COM
Sylvester & Keating Inc 18501 N 40Th St Ste 102
85032
(602) 396-4519
Email:dkeating@sylvesterandkeating.com
Double Eagle Agency Inc 3160 S Gilbert Rd Ste 4
85286
(480) 883-7776
Crowne Private Client Group 14702 N Frank Lloyd Wright Blvd
www.crowneinc.com 85260-2044
480-949-5066
Email:msanto@crowneinc.com
Louisiana Serv Of Norco Inc 7347 N 43RD LN
85301
623-535-7780
John G Rolker Inc 16100 N 71ST ST STE 120
85254
480-634-6030

Homeowners Insurance Comparison for the Cheapest Premiums in Chandler, AZ

AllstateTravelersErie
Median Home Value ($) 310,370280,370280,370
Construction year 201120091998
Home Coverage ($) $200000-$250000$175000-$200000$200000-$250000
Total Premium ($) $1201$1169$1182

Chandler, AZ Multi Policy Discounts by Home Insurance Companies

Home Insurance Company Multi Policy Discount (%)
Erie upto 24%
Nationwide upto 11%
Liberty Mutual upto 17%
Allstate upto 23%
Travelers upto 10%