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Most Reasonable Homeowners Insurance in El Mirage, Arizona

The average cost of homeowners insurance in El Mirage, AZ, is $631. Protecting your property from unexpected events such as natural disasters, theft, and liability issues is crucial as a homeowner in El Mirage, Arizona. One of the best ways to safeguard your home and your family is by investing in a homeowners insurance policy that provides comprehensive coverage at an affordable rate. However, with so many insurance companies offering a variety of policies, finding the most reasonable homeowners insurance in El Mirage can take time and effort. In this article, we'll explore some factors determining the cost of homeowners insurance in El Mirage and provide tips on choosing the right policy that fits your budget and coverage needs. We'll also highlight some of the top insurance providers in the area and their offerings to help you make an informed decision when it comes to protecting your most valuable asset.

Factors affecting home insurance in El Mirage, 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 El Mirage - Rates by coverage level

The cost of homeowners insurance in El Mirage, Arizona, is contingent on the extent of coverage chosen. Opting for a higher coverage level implies that the insurance provider will compensate more in the event of a claim, increasing monthly premiums. Homeowners should evaluate their requirements and potential hazards when selecting a coverage level. A higher coverage level may be necessary if they possess more valuable assets or are exposed to higher risks. Conversely, a lower coverage level may be appropriate for those with fewer assets or lower risks. For instance, in El Mirage, Arizona, homeowners who choose coverage of $200,000 pay $896 for their home insurance. The accompanying table lists El Mirage, Arizona, home insurance rates for different coverage levels.

Homeowners insurance in El Mirage - Rates by deductibles

Your deductible is the initial amount you pay before your insurance provider covers the remaining expenses. As a result, if you opt for a higher deductible, your monthly premiums will be lower, but you will have to pay more out of pocket if you make a claim. Opting for a higher deductible can be a wise financial decision as it can save you money on your premiums. For instance, if you file a claim for $1,000 with a deductible of $500, you will be responsible for paying the initial $500 for the repairs, while the insurance company will cover the remaining $500. For example, in El Mirage, Arizona, homeowners who choose a $2,000 deductible pay $482 for their home insurance, while those who select a $500 deductible pay $624.

Homeowners insurance in El Mirage - Rates by the age of the home

The age of your home can affect your homeowners insurance rates in El Mirage, Arizona. Typically, newer homes are less expensive to insure because they have modern construction and safety features, while older homes may be more costly due to outdated systems and potential structural issues. It is recommended that homeowners consult their insurance provider to understand how the age of their home affects their coverage and rates and if any adjustments need to be made to ensure adequate protection. For example, in El Mirage, Arizona, homes that are either 40 or 50 years old must pay a premium of $648 or $655, respectively. Meanwhile, newly constructed homes in El Mirage, Arizona, are eligible for home insurance at $461.

Homeowners insurance in El Mirage - Rates by the safety features

The safety features installed in a home can significantly impact the cost of homeowners insurance in El Mirage, Arizona. Homes equipped with security systems, smoke detectors, and fire extinguishers are considered less risky to insure and may qualify for lower insurance premiums. Insurance providers also offer discounts for other safety features, such as deadbolts, storm shutters, and reinforced roofs. For example, in El Mirage, Arizona, the cost of homeowners insurance for houses with sprinkler systems and smoke detectors is $587 and $556, respectively. Homeowners in El Mirage can save on insurance costs by ensuring their homes have adequate safety features and discussing potential discounts with their insurance agent.

Top Home Insurance Companies in El Mirage, AZ

Home Insurance Company A.M. Best Financial Strength Rating Homeowners Insurance Market share
State Farm A 17.97%
Liberty Mutual A 8.64%
Nationwide A+ 8%
GEICO A++ 3.95%
Erie A+ 3.5%

Top GEICO Home Insurance Agents in El Mirage, AZ

Homeowners Insurance Agents Agent Address Contact Details
Graves Erskine 5055 W Ray Rd Ste 22
85226
(480) 883-8798
Email:gerskine@geico.com

Top Liberty Mutual Home Insurance Agents in El Mirage, AZ

Homeowners Insurance Agents Agent Address Contact Details
Rebecca Bryant 1423 S Higley Rd Ste 125
85206
(602) 332-6200
Rebecca Kossmann 3170 S Gilbert Rd Ste 5
85286
(602) 625-2306
Derek Maitz 28255 N Tatum Blvd Ste 7
85331
(480) 368-9569
Daniel Quartararo 11344 E Apache Trail
85120-3527
480-986-4488
Renee Bushong 7254 E Southern Ave Ste 105
85209
(480) 641-1660
Rebecca Hill 3303 S Lindsay Rd Ste 113
85297
(480) 897-7760
Nick Rakos 3325 E BASELINE RD
85234
(480) 892-8755
Lynn Swink 3851 E MAIN ST
85205
480-924-2600
Preston Young 15609 W Bell Rd Ste 103
85374
(623) 476-5607
Felice Iglesias Mba 13144 W Camelback Rd Ste 130
85340
(623) 572-5135

Top Erie Home Insurance Agents in El Mirage, AZ

Homeowners Insurance Agents Agent Address Contact Details
Lazar Insurance 7440 W CACTUS RD A-8
85381
623-486-7262
Michael Sprague & Associates 21448 N. 75Th Ave. Suite 2
85308
1-623-572-4440
Harmon & Harmon Insurance Agency Inc 615 W Deer Valley Rd Ste 121
85027
(623) 587-9679
Capital Area Insurance Group Llc 928 S Mill Ave
85281-8691
480-967-3378
Weaver Insurance & Financial 16844 E Avenue Of The Fountains Ste 202
85268
Jim Honeycutt Insurance Agency Inc. 497 W RAY RD STE 2
85225
480-855-5562
Turner Houser Insurance Group 6717 N Black Canyon Hwy
85015
M. C. Thomas Insurance Agency, Inc. 20 N GILBERT RD STE B
www.mcthomasinsurance.com 85234
480-545-0634
Anderson & Baur Insurance Llc 751 E Union Hls Dr Ste A9
85024-2979
602-788-6700
Gladwell Insurance Agency Inc 7842 E Gray Rd Ste 6
85260
(480) 443-7325

Top State Farm Home Insurance Agents in El Mirage, AZ

Homeowners Insurance Agents Agent Address Contact Details
Luis Andujas 9376 E BAHIA DR STE D107
85260
480-559-8589
Jim Marsh 7165 E UNIVERSITY DR STE 170
www.jimmarshinsurance.com 85207
480-921-3400
Doug Prentice 33725 N Scottsdale Rd Ste H-120
www.dougprentice.com 85266
(480) 488-5729
Jim Harber 17933 E SANOQUE BLVD
www.jimharber.com 85298
480-474-0334
Casey Mosley 23858 S Power Rd Ste C103
www.insuremeatlanta.com 85142-6153
480-279-0105
Dave Turner 3165 S Alma School Rd, #27
www.dave2insureu.com 85248-3762
480-855-0665
Connie Hwang 1635 N Greenfield Rd
www.conniehwang.com 85205-4010
480-981-8681
Jim Hobbs 584 W CHANDLER BLVD
www.jimhobbs.biz 85225
480-899-6633
Mark Murray 2740 S Alma School Rd No. 16
www.markmurray.org 85210
(480) 719-7183
Nick Perisin 3654 N POWER RD STE 146
www.nickperisin.com 85215
(480) 288-5900

Top Nationwide Home Insurance Agents in El Mirage, AZ

Homeowners Insurance Agents Agent Address Contact Details
Gerber Insurance Agency Inc 565 W Chandler Blvd Ste 218
85225
(480) 821-2763
John G Rogers And Associates Inc 16220 N SCOTTSDALE RD STE 600
85254
602-787-6000
Bowerman Insurance & Financial Inc. 2610 W Baseline Rd Ste 116
85041-6400
602-633-2088
Cole Hixon Insurance Inc 5350 N 16th St Ste 100
85016-3213
602-992-0540
John G Rogers And Associates Inc 17470 N PACESETTER WAY
85255
480-657-2800
Rick Gerety & Assoc Inc 21448 N 75th Ave Ste 10
85308
(623) 825-1700
Akin & Associates Inc. 300 N Gila Sprgs Blvd
85226-2727
480-659-5263
Harold R. Wyatt Inc. 18001 N 79Th Ave Ste A9
85308
(623) 242-5705
Michael T Alpaugh 4505 E. Chandler Blvd. Ste 145
85048
1-480-732-1491
John G Rogers And Associates Inc 7502 E PINNACLE PEAK ROAD STE B 210
85255
480-998-1001

Homeowners Insurance Comparison for the Cheapest Premiums in El Mirage, AZ

State FarmNationwideGEICO
Median Home Value ($) 122,670142,670142,670
Construction year 201320122007
Home Coverage ($) $125000-$150000$200000-$250000$175000-$200000
Total Premium ($) $996$1180$1145

El Mirage, AZ Multi Policy Discounts by Home Insurance Companies

Home Insurance Company Multi Policy Discount (%)
GEICO upto 18%
Liberty Mutual upto 16%
Erie upto 20%
Nationwide upto 9%