Top 5 Home Insurance Companies in Goodyear, AZ
Check out the most popular Home Insurance agencies & companies in Goodyear, AZ & compare the best quotes from them.
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 85016-3213 |
602-992-0540 | |
| The Sig Insurance Agencies | 15809 S 6Th Dr 85045 |
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| Rebecca Harding Agency | 1237 S Val Vista Dr 85204 |
(480) 461-1230 | |
| David S Buffamoyer Jr | 3740 E Southern Ave Ste 201 85206 |
(480) 830-4650 | |
| John G Rogers And Associates Inc | 16220 N SCOTTSDALE RD STE 600 85254 |
602-787-6000 | |
| Mahan Insurance Services Inc | 15020 N HAYDEN RD B202-2 85260 |
480-948-3571 | |
| Rebecca F. Parks | 3303 E Baseline Rd Ste 5-109 85234 |
(480) 659-2363 | |
| William M Olson | 7165 E University Dr 7165 E University Dr 85207 |
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| John G Rogers And Associates Inc | 7502 E PINNACLE PEAK ROAD STE B 210 85255 |
480-998-1001 | |
| John G Rogers And Associates Inc | 20865 N 90TH PL STE 120 85255 |
480-585-9725 |
| Homeowners Insurance Agents | Agent Address | Contact Details | |
|---|---|---|---|
| Rebecca Carr | 1425 S Higley Rd Ste 107 85296 |
(602) 616-7096 | |
| Rebecca Kossmann | 3170 S Gilbert Rd Ste 5 85286 |
(602) 625-2306 | |
| Dhwanika Patel | 985 W Chandler Hghts Rd Ste 3 85248 |
(480) 477-7511 | |
| Jessica Niemann | 2336 W BARWICK DR 85085 |
623-760-9096 | |
| Michael Stuart Lutcf | 1314 N Recker Rd Ste 103 85205 |
1-480-337-0250 | |
| Ana Vasquez | 4645 E Chandler Blvd Ste 110 85048-0432 |
480-759-0203 | |
| Daniel Quartararo | 11344 E Apache Trail 85120-3527 |
480-986-4488 | |
| Michael Sullivan | 14815 West Bell Road Suite 106 85374 |
1-623-584-3100 | |
| Jessica Novak | 1320 W CAVEDALE DR 85085 |
480-575-7250 | |
| Mark Mommsen | 1500 E Bethany Home Rd STE 170 85014-2444 |
(602) 393-1338 |
| Homeowners Insurance Agents | Agent Address | Contact Details | |
|---|---|---|---|
| Graves Erskine | 5055 W Ray Rd Ste 22 85226 |
(480) 883-8798 Email:gerskine@geico.com |
| Homeowners Insurance Agents | Agent Address | Contact Details | |
|---|---|---|---|
| Noah Trueblood | 310 W SONOMA DRIVE 85340 |
(623) 742-3932 | |
| Liz Olivarez | 20100 N 51ST AVE STE F-640 www.lizolivarez.com 85308 |
623-584-9600 | |
| Mark Mitchell | 15170 W Bell Rd STE 100 www.markismyagent.com 85374 |
(602) 293-9520 | |
| Bill Cook | 8075 E Morgan Trl Ste 6 www.billcookinsurance.com 85258-1294 |
480-998-9477 | |
| Jim Martensen | 3430 N MOUNTAIN RIDGE 50 www.jimmartensen.com 85207 |
480-854-3913 | |
| Robin Brown | 4020 N 20th St Ste 101 www.robinbrowninsurance.com 85016 |
(602) 297-5175 | |
| Eric Lenahan | 8660 W Bell Rd www.ericlenahan.com 85382 |
(623) 815-5690 | |
| Dave Russell | 5616 E. McKellips Rd www.russellagency.org 85215-2783 |
480-839-5050 | |
| Stewart Bohm | 7425 E Stetson Dr www.stewartbohm.com 85251 |
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| Jim Matthews Iii | 6065 E UNIVERSITY DR 85205 |
480-832-6520 |
| Homeowners Insurance Agents | Agent Address | Contact Details | |
|---|---|---|---|
| Sticklen Insurance Agency | 28 N Ironwood Dr Ste 1 Apache\u00a0Junction www.sticklen-ins.com 85120 |
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| Michael Sprague & Associates | 21448 N. 75Th Ave. Suite 2 85308 |
1-623-572-4440 | |
| Anderson & Baur Insurance Llc | 751 E Union Hls Dr Ste A9 85024-2979 |
602-788-6700 | |
| Corwin C Erdman Inc. | 23858 S Power Rd 85142-6153 |
480-279-0105 | |
| Carey Insurance Agency Inc | 6836 E Brown Rd Ste 101 85207-3756 |
480-396-2140 | |
| Isu Insurance & Investment Group | 1418 N SCOTTSDALE RD STE 100 85257 |
602-635-4848 | |
| Downs & Associates Inc | 4001 E Bell Rd Ste 122 85032 |
(602) 567-0209 | |
| Gladwell Insurance Agency Inc | 7842 E Gray Rd Ste 6 85260 |
(480) 443-7325 | |
| Weaver Insurance & Financial | 16844 E Avenue Of The Fountains Ste 202 85268 |
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| Patrick Insurance Agency | 8350 E RAINTREE DR STE 235 85260 |
(480) 477-5245 |
| State Farm | GEICO | Liberty Mutual | |
| Median Home Value ($) | 251,210 | 261,210 | 231,210 |
| Construction year | 2012 | 2008 | 2013 |
| 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% |