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Most Reasonable Homeowners Insurance in Maricopa, Arizona

The average cost of homeowners insurance in Maricopa, AZ, is $690. Homeownership is a significant investment, and protecting your home with the right insurance is crucial. However, finding the most appropriate homeowners insurance can be daunting, particularly in a state like Arizona, which experiences extreme weather conditions like monsoons and wildfires. In Maricopa, Arizona, homeowners need to be aware of their insurance options and coverage levels to protect their property from unforeseen events. This article explores some of the most reasonable homeowners insurance options in Maricopa, Arizona, and provides insights into how homeowners can choose the best coverage for their needs.

Factors affecting home insurance in Maricopa, 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 Maricopa - Rates by coverage level

In Maricopa, Arizona, homeowners insurance rates can vary depending on the coverage level. A higher coverage level means that the insurance provider will pay out more in the event of a claim, and as a result, the monthly premiums will be higher. Homeowners should consider their individual needs and risks when deciding on a coverage level. A higher coverage level may be necessary for those with more valuable assets or higher risks. A lower coverage level may suit those with fewer assets or lower risks. For instance, in Maricopa, Arizona homeowners who select $200,000 coverage pay $830 for their home insurance. The following chart details Maricopa, Arizona, home insurance rates corresponding to various coverage levels.

Homeowners insurance in Maricopa - Rates by deductibles

Your deductible is your initial payment before your insurance provider covers the remaining cost. As a result, if you opt for a higher deductible, your monthly premiums will be lower. If you make a claim, you must pay more out of your pocket. Choosing a higher deductible is wise as it will save you money on your premiums. For example, if you file a claim for $1,000 with a deductible of $500, you will have to pay the initial $500 for the repairs while the insurance company covers the remaining $500. For example, in Maricopa, Arizona, homeowners who choose a $2,000 deductible to pay $527 for their house insurance, while those who select a $500 deductible pay $681 in Maricopa, Arizona.

Homeowners insurance in Maricopa - Rates by the age of the home

Homeowners insurance rates in Maricopa can vary depending on the age of the home. Generally, newer homes are less expensive to insure since they have modern construction and safety features. On the other hand, older homes may be more expensive to insure due to their increased likelihood of having outdated systems or potential structural issues. Homeowners should speak with their insurance provider to determine how the age of their home impacts their coverage and rates and if any adjustments need to be made to ensure adequate protection. For instance, in Maricopa, Arizona, homes that are either 40 or 50 years old must pay a premium of $708 or $716, respectively. Meanwhile, newly constructed homes in Maricopa, Arizona, are eligible for home insurance at $503.

Homeowners insurance in Maricopa - Rates by the safety features

The safety features installed in a home can significantly impact the cost of homeowners insurance in Maricopa, Arizona. Houses equipped with security systems, smoke detectors, and fire extinguishers are less risky to insure and can therefore qualify for lower insurance premiums. Insurance providers also offer discounts for other safety features such as deadbolts, storm shutters, and reinforced roofs. For instance, in Maricopa, Arizona, homeowners insurance costs for houses with sprinkler systems and smoke detectors are $621 and $614, respectively. Homeowners in Maricopa can save on their insurance costs by ensuring that their homes have adequate safety features and discussing potential discounts with their insurance agent.

Top Home Insurance Companies in Maricopa, AZ

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

Top GEICO Home Insurance Agents in Maricopa, 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 Maricopa, AZ

Homeowners Insurance Agents Agent Address Contact Details
Rick Franklin 7420 E Pinnacle Peak Rd Ste 120 85255
(480) 922-0000
Jim Hilliard 2040 S ALMA SCHOOL RD STE 1-189 85286
Jim Harber 17933 E SANOQUE BLVD 85298
Paul Rohrbaugh 5950 S Cooper Rd Ste 2b 85249
(480) 308-1498
Yvonne Burton 2201 S Mcclintock Dr Ste 1
Paul Hultgren 7549 W Cactus Rd Ste 101 85381
(623) 878-9400
Chris Ciraulo 270 E Hunt Hwy Ste 11 85143-4963
Mike Bryant 2375 E Camelback Rd Ste 250 85016
(602) 395-9111
Steve Holley Clu, Chfc 1225 W Houston Ave Ste 101
Jim Hockemeyer 955 W CHANDLER BLVD. STE 6 85225

Top Allstate Home Insurance Agents in Maricopa, AZ

Homeowners Insurance Agents Agent Address Contact Details
R Bryan Torrence 1010 E Main St Ste B
(602) 330-8489
John Burroughs 311 E ROOSEVELT
David B. Watters 1969 W Ray Road
Jones Ins Agency 3333 N HAYDEN RD
Todd Cameron 18631 N 19Th Ave 18631 N 19Th Ave
Prewett Insurance Group 10451 W Palmeras Dr Ste 154
(623) 582-6500
Andrew Ribaudo Ranch Rd Ste 110 10401 E McDowell Mountain
Simler Insur. Agncy 1262 E Louis Way
Jim Harper 520 N CAMINO MERCADO 8
Troyer Insurance 5304 E Southern Ave Ste 102
(623) 552-7747

Top Nationwide Home Insurance Agents in Maricopa, AZ

Homeowners Insurance Agents Agent Address Contact Details
Brian J. Eikenberg 2820 N Pinal Ave Ste 11
Rebecca Harding Agency 1237 S Val Vista Dr
(480) 461-1230
Rebecca A Myers 22249 S Ellsworth Rd
(480) 633-7263
David S Buffamoyer Jr 3740 E Southern Ave Ste 201
(480) 830-4650
John G Rogers And Associates Inc 20865 N 90TH PL STE 120
Stilwell Ins & Fin Srvs Inc 16674 N 91St St 16674 N 91St St
John G Rogers And Associates Inc 16220 N SCOTTSDALE RD STE 600
Harold R. Wyatt Inc. 18001 N 79Th Ave Ste A9
(623) 242-5705
Akin & Associates Inc. 300 N Gila Sprgs Blvd
Rebecca F. Parks 3303 E Baseline Rd Ste 5-109
(480) 659-2363

Top Erie Home Insurance Agents in Maricopa, AZ

Homeowners Insurance Agents Agent Address Contact Details
Weaver Insurance & Financial 16844 E Avenue Of The Fountains Ste 202
Jacqueline R Castillo 15610 N 35TH AVE 5
Powell Insurance Agency 287 E Frye Rd Ste 3 85225
(480) 351-0629
Skyrmes Insurance Agency Inc. 3420 E Shea Blvd 3420 E Shea Blvd
Downs & Associates Inc 4001 E Bell Rd Ste 122
(602) 567-0209
Corwin C Erdman Inc. 23858 S Power Rd
Michael Sprague & Associates 21448 N. 75Th Ave. Suite 2
R C Insurance Services Inc. 916 E Baseline Rd Ste 103 85204
(480) 382-1570
Macias Insurance Agency 2101 E BROADWAY RD STE 6 85282
Acosta Insurance Agency Inc. 7050 W Chndlr Blvd Ste 4

Homeowners Insurance Comparison for the Cheapest Premiums in Maricopa, AZ

Median Home Value ($) 183,270183,270163,270
Construction year 201420102012
Home Coverage ($) $200000-$250000$200000-$250000$250000-$300000
Total Premium ($) $726$1261$800

Maricopa, AZ Multi Policy Discounts by Home Insurance Companies

Home Insurance Company Multi Policy Discount (%)
GEICO upto 18%
Allstate upto 22%
Nationwide upto 6%
Erie upto 23%