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Average cost of homeowners insurance in Goodyear, AZ

The average cost of homeowners insurance in Goodyear, AZ, is $792. As a Goodyear, AZ homeowner, you know the importance of having homeowners insurance. Your home is likely your most valuable asset, and you need to know it is protected in an unforeseen disaster. Homeowners insurance protects your home and belongings in case of a covered loss, such as fire, wind damage, theft, etc. It also provides liability coverage if someone is injured on your property.

It is important to shop around and compare rates from different insurance companies before you purchase a policy. Insurance companies use various factors to determine rates, so getting quotes from multiple companies is crucial to ensure you get the best deal. It is also essential to read your policy's fine print to understand what is and is not covered. Homeowners insurance policies typically exclude coverage for flood damage, so if you live in an area prone to flooding, you will need to purchase a separate policy. Here are a few ways to help you find affordable homeowners insurance in Goodyear, AZ.

Factors affecting home insurance in Goodyear, 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 Goodyear, AZ - Rates by Coverage Level

Many factors go into homeowners insurance rates, and one of the most important is coverage level. In Goodyear, AZ, coverage level is determined by the coverage you want and the type of home you have. The more coverage you have, the higher your rates will be. The type of home you have also played a role in your rates. If you have a home with many valuable items, you will likely pay more for insurance than someone with a less valuable home. For instance, homeowners who choose $300K in coverage in Goodyear, Arizona, pay $1180 for their home insurance.

See the chart below for details on Goodyear, AZ, home insurance rates by level of coverage.

Homeowners Insurance in Goodyear, AZ - Rates by Deductibles

The amount you must pay out-of-pocket before your insurance coverage begins to provide benefits is a deductible. The policyholder indicates to the insurer that they are willing to assume more risk by agreeing to pay a higher out-of-pocket amount in case of a claim. The insurer offers to cut the premium in return for this. Never select a deductible that you are unable to cover. In the event of a claim, the full deductible must be paid by you before the insurance provider begins to make payments. In Goodyear, Arizona, homeowners who choose a $2500 deductible pay $568 for their home insurance compared to those who select a $500 deductible and pay $782.

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

The age of the home you purchase in Goodyear, AZ, is one of the many factors that will affect your homeowners insurance cost. Older homes are typically more expensive to insure than newer homes. This is because older homes are more likely to have problems with plumbing, electrical, and other systems. These problems can lead to water damage, fires, and other disasters that can be very expensive to repair. In addition, older homes are more likely to have structural problems that can make them more susceptible to wind damage and other disasters. As a result, insurers typically charge more for coverage on older homes. For instance, residences 30 years old in Goodyear, Arizona, cost $803 more to insure than newly constructed homes, which cost $578.

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

The likelihood of a fire, burglary or other covered event causing damage or destruction to the home is decreased by safety features, which can lower the cost of homeowners insurance. Smoke detectors, fire extinguishers, and security systems are just a few basic safety features that might help to cut rates. For instance, in Goodyear, Arizona, sprinkler systems and smoke detectors are covered by homeowners insurance for $720 and $712, respectively.

Top Home Insurance Companies in Goodyear, 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 Nationwide Home Insurance Agents in Goodyear, AZ

Homeowners Insurance Agents Agent Address Contact Details
Cole Hixon Insurance Inc 5350 N 16th St Ste 100
The Sig Insurance Agencies 15809 S 6Th Dr
Rebecca Harding Agency 1237 S Val Vista Dr
(480) 461-1230
David S Buffamoyer Jr 3740 E Southern Ave Ste 201
(480) 830-4650
John G Rogers And Associates Inc 16220 N SCOTTSDALE RD STE 600
Mahan Insurance Services Inc 15020 N HAYDEN RD B202-2
Rebecca F. Parks 3303 E Baseline Rd Ste 5-109
(480) 659-2363
William M Olson 7165 E University Dr 7165 E University Dr
John G Rogers And Associates Inc 7502 E PINNACLE PEAK ROAD STE B 210
John G Rogers And Associates Inc 20865 N 90TH PL STE 120

Top Liberty Mutual Home Insurance Agents in Goodyear, AZ

Homeowners Insurance Agents Agent Address Contact Details
Rebecca Carr 1425 S Higley Rd Ste 107
(602) 616-7096
Rebecca Kossmann 3170 S Gilbert Rd Ste 5
(602) 625-2306
Dhwanika Patel 985 W Chandler Hghts Rd Ste 3
(480) 477-7511
Jessica Niemann 2336 W BARWICK DR
Michael Stuart Lutcf 1314 N Recker Rd Ste 103
Ana Vasquez 4645 E Chandler Blvd Ste 110
Daniel Quartararo 11344 E Apache Trail
Michael Sullivan 14815 West Bell Road Suite 106
Jessica Novak 1320 W CAVEDALE DR
Mark Mommsen 1500 E Bethany Home Rd STE 170
(602) 393-1338

Top GEICO Home Insurance Agents in Goodyear, AZ

Homeowners Insurance Agents Agent Address Contact Details
Graves Erskine 5055 W Ray Rd Ste 22
(480) 883-8798

Top State Farm Home Insurance Agents in Goodyear, AZ

Homeowners Insurance Agents Agent Address Contact Details
Noah Trueblood 310 W SONOMA DRIVE
(623) 742-3932
Liz Olivarez 20100 N 51ST AVE STE F-640 85308
Mark Mitchell 15170 W Bell Rd STE 100 85374
(602) 293-9520
Bill Cook 8075 E Morgan Trl Ste 6 85258-1294
Jim Martensen 3430 N MOUNTAIN RIDGE 50 85207
Robin Brown 4020 N 20th St Ste 101 85016
(602) 297-5175
Eric Lenahan 8660 W Bell Rd 85382
(623) 815-5690
Dave Russell 5616 E. McKellips Rd 85215-2783
Stewart Bohm 7425 E Stetson Dr 85251
Jim Matthews Iii 6065 E UNIVERSITY DR

Top Erie Home Insurance Agents in Goodyear, AZ

Homeowners Insurance Agents Agent Address Contact Details
Sticklen Insurance Agency 28 N Ironwood Dr Ste 1 Apache\u00a0Junction 85120
Michael Sprague & Associates 21448 N. 75Th Ave. Suite 2
Anderson & Baur Insurance Llc 751 E Union Hls Dr Ste A9
Corwin C Erdman Inc. 23858 S Power Rd
Carey Insurance Agency Inc 6836 E Brown Rd Ste 101
Isu Insurance & Investment Group 1418 N SCOTTSDALE RD STE 100
Downs & Associates Inc 4001 E Bell Rd Ste 122
(602) 567-0209
Gladwell Insurance Agency Inc 7842 E Gray Rd Ste 6
(480) 443-7325
Weaver Insurance & Financial 16844 E Avenue Of The Fountains Ste 202
Patrick Insurance Agency 8350 E RAINTREE DR STE 235
(480) 477-5245

Homeowners Insurance Comparison for the Cheapest Premiums in Goodyear, AZ

State FarmGEICOLiberty Mutual
Median Home Value ($) 251,210261,210231,210
Construction year 201220082013
Home Coverage ($) $400000-$500000$600000-$700000$500000-$600000
Total Premium ($) $994$1421$1425

Goodyear, AZ Multi Policy Discounts by Home Insurance Companies

Home Insurance Company Multi Policy Discount (%)
Nationwide upto 6%
Liberty Mutual upto 18%
GEICO upto 24%
Erie upto 22%