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Average Cost of Homeowners Insurance in Lake Havasu City, AZ

The average cost of homeowners insurance in Lake Havasu City, AZ, is $743.02. Home insurance is an assortment of two covers that includes the protection of the home and its content. Home insurance in Lake Havasu City, AZ, will safeguard your home against perils like burglary, theft, fire, lightning, and natural disasters. It offers liability protection to cover guests and family members in case of a mishap on your property or within your house.

Home insurance plans are customizable, and the insurance cost may change as per the needs and budget of the homeowners. The cost of insurance depends on multiple factors such as coverage type, deductible amount, age of the house, safety features, area of residence, geographical conditions, and many more. Therefore, homeowners must conduct thorough research on the quotes and benefits offered by the providers before purchasing home insurance in Lake Havasu City, AZ. The top home insurance companies in Lake Havasu City, AZ, offering home insurance at competitive rates are listed below.

Average_Cost_of_Homeowners_Insurance_in_Lake_Havasu_City_AZ

Factors affecting home insurance in Lake Havasu City, AZ:

1. Homeowners insurance rates by coverage levels 

2. Homeowners insurance rates by deductibles

3. Homeowners insurance rates by the age of the home

4. Homeowners insurance rates by the safety features

Homeowners Insurance Lake Havasu City, AZ - Rates by coverage level

Homeowners insurance covers damages related to the structure of your homes. You can choose separate limits for your home, other structures such as sheds and garages, and personal items. For example, if you select coverage of $100K to insure your home, you pay $329 towards home insurance in Lake Havasu City, AZ.

Here is a chart representing the coverage level and the applicable home insurance rates in Lake Havasu City, AZ.

Average_Cost_of_Homeowners_Insurance_in_Lake_Havasu_City_AZ

Homeowners Insurance Lake Havasu City, AZ - Rates by deductibles

A home insurance deductible is the amount of money you have to pay towards a loss before your insurance company pays the claim. For example, if a disaster strikes, your home insurance deductible is the amount you’ll pay towards a claim before your home insurance provider kicks in to cover the rest. Homeowners must select their deductible amount meticulously, considering their financial position. For example, homeowners who opted for a deductible of $1500 pay $626 towards their home insurance in Lake Havasu City, AZ. Homeowners who opted for a deductible of 500 pay $735 towards their home insurance in Lake Havasu City, AZ. Therefore, the higher the deductible, the lower the home insurance in Lake Havasu City, AZ.

Average_Cost_of_Homeowners_Insurance_in_Lake_Havasu_City_AZ

Homeowners Insurance Lake Havasu City, AZ - Rates by the age of the home

The older the age of the house, the more attention it needs to be maintained and protected. This is because old homes are not equipped with the latest technologies or security features, making the house more vulnerable to theft or fire damage. Therefore, homeowners insurance providers charge high home insurance rates to old homes compared to newly constructed homes. For example, homes that are 40 years old pay a premium of $763 in Lake Havasu City, AZ, whereas newly built homes pay $595 on homeowners insurance in Lake Havasu City, AZ.

Homeowners Insurance Lake Havasu City, AZ - Rates by the safety features

Home security is one of the essential elements of your home. Homeowners can avail of discounts on home insurance by installing advanced security features at homes such as storm shutters, burglary alarms, fire extinguishers, smoke alarms, and deadbolt locks. For example, homes equipped with fire extinguishers pay $662 on home insurance in Lake Havasu City, AZ.

Top Home Insurance Companies in Lake Havasu City, AZ

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

Top GEICO Home Insurance Agents in Lake Havasu City, AZ

Homeowners Insurance Agents Agent Address Contact Details
Brian Schroeder 2616 N Stcktn Hl Rd
86401-4181
928-753-7900
Email:bschroeder@geico.com

Top Nationwide Home Insurance Agents in Lake Havasu City, AZ

Homeowners Insurance Agents Agent Address Contact Details
Cynthia C Green 1711 Highway 95
86442
928-763-5557

Top Allstate Home Insurance Agents in Lake Havasu City, AZ

Homeowners Insurance Agents Agent Address Contact Details
Roberts Ins Keystone 500 Lake Havasu Ave N Ste A100
86403
(928) 505-1566
Kunle Olumide 5025 LAKEWOOD RD STE A
86426
928-768-4211
Andrea Zmenyak-Liberno 2425 Hualapai Mnt Rd Ste A
86401-8331
928-718-9500
Mark Taylor 1410 W Broadway St STE A
92363
(760) 326-5335
Fleming And Conway 3651 Hway 95 Ste B
86442
(928) 763-3999
Roberts Insurance & Financial Services Inc. 3509 Mcculloch Blvd N Ste 102
86406
(928) 855-5565

Top State Farm Home Insurance Agents in Lake Havasu City, AZ

Homeowners Insurance Agents Agent Address Contact Details
Doug Nichols 1335 Hancock Rd Ste 5
www.dougnichols247.com 86442
(928) 763-1144
Brandon Meyer 1915 McCullch Blvd N Ste 108
www.hutchsf.com 86403-5738
928-453-2244
Tim Reed 1690 Mcculloch Blvd N Ste 102 Lake\u00a0Havasu\u00a0City
www.timreed.net 86403
Claudia Davila 820 S California Ave Ste 101
www.agentclaudiadavila.com 85344-5051
928-669-2171
Suzan Hahnfeldt 1875 Robinson Ave
86401

Top Liberty Mutual Home Insurance Agents in Lake Havasu City, AZ

Homeowners Insurance Agents Agent Address Contact Details
Cecy Serrano 3880 Stockton Hill Rd Ste 106
86409-0595
928-681-8000

Homeowners Insurance Comparison for the Cheapest Premiums in Lake Havasu City, AZ

Liberty MutualState FarmGEICO
Median Home Value ($) 201,430211,430191,430
Construction year 199319841997
Home Coverage ($) $350000-$400000$350000-$400000$400000-$500000
Total Premium ($) $855$1126$1053

Lake Havasu City, AZ Multi Policy Discounts by Home Insurance Companies

Home Insurance Company Multi Policy Discount (%)
GEICO upto 23%
Nationwide upto 9%
Allstate upto 23%
Liberty Mutual upto 15%