Top 5 Home Insurance Companies in Maricopa, AZ
Check out the most popular Home Insurance agencies & companies in Maricopa, AZ & compare the best quotes from them.
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 85226 |
(480) 883-8798 Email:gerskine@geico.com |
| Homeowners Insurance Agents | Agent Address | Contact Details | |
|---|---|---|---|
| Rick Franklin | 7420 E Pinnacle Peak Rd Ste 120 www.rickfranklin.net 85255 |
(480) 922-0000 | |
| Jim Hilliard | 2040 S ALMA SCHOOL RD STE 1-189 www.jimhilliard.com 85286 |
480-822-7100 | |
| Jim Harber | 17933 E SANOQUE BLVD www.jimharber.com 85298 |
480-474-0334 | |
| Paul Rohrbaugh | 5950 S Cooper Rd Ste 2b www.paulrohrbaugh.com 85249 |
(480) 308-1498 | |
| Yvonne Burton | 2201 S Mcclintock Dr Ste 1 85282 |
||
| Paul Hultgren | 7549 W Cactus Rd Ste 101 www.paulhultgren.com 85381 |
(623) 878-9400 | |
| Chris Ciraulo | 270 E Hunt Hwy Ste 11 www.chrisciraulo.com 85143-4963 |
480-882-2155 | |
| Mike Bryant | 2375 E Camelback Rd Ste 250 www.mikebryantinsurance.com 85016 |
(602) 395-9111 | |
| Steve Holley Clu, Chfc | 1225 W Houston Ave Ste 101 85233 |
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| Jim Hockemeyer | 955 W CHANDLER BLVD. STE 6 www.jimhockemeyer.com 85225 |
480-430-9806 |
| Homeowners Insurance Agents | Agent Address | Contact Details | |
|---|---|---|---|
| R Bryan Torrence | 1010 E Main St Ste B 85203 |
(602) 330-8489 | |
| John Burroughs | 311 E ROOSEVELT 85326 |
626-386-4452 | |
| David B. Watters | 1969 W Ray Road 85224-4042 |
480-892-4100 | |
| Jones Ins Agency | 3333 N HAYDEN RD 85251 |
480-941-4895 | |
| Todd Cameron | 18631 N 19Th Ave 18631 N 19Th Ave 85027 |
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| Prewett Insurance Group | 10451 W Palmeras Dr Ste 154 85373 |
(623) 582-6500 | |
| Andrew Ribaudo | Ranch Rd Ste 110 10401 E McDowell Mountain 85255-7524 |
480-860-2121 | |
| Simler Insur. Agncy | 1262 E Louis Way 85284 |
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| Jim Harper | 520 N CAMINO MERCADO 8 85122 |
520-421-9231 | |
| Troyer Insurance | 5304 E Southern Ave Ste 102 85206 |
(623) 552-7747 |
| Homeowners Insurance Agents | Agent Address | Contact Details | |
|---|---|---|---|
| Brian J. Eikenberg | 2820 N Pinal Ave Ste 11 85122-7927 |
520-876-5600 | |
| Rebecca Harding Agency | 1237 S Val Vista Dr 85204 |
(480) 461-1230 | |
| Rebecca A Myers | 22249 S Ellsworth Rd 85142 |
(480) 633-7263 | |
| David S Buffamoyer Jr | 3740 E Southern Ave Ste 201 85206 |
(480) 830-4650 | |
| John G Rogers And Associates Inc | 20865 N 90TH PL STE 120 85255 |
480-585-9725 | |
| Stilwell Ins & Fin Srvs Inc | 16674 N 91St St 16674 N 91St St 85260 |
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| John G Rogers And Associates Inc | 16220 N SCOTTSDALE RD STE 600 85254 |
602-787-6000 | |
| Harold R. Wyatt Inc. | 18001 N 79Th Ave Ste A9 85308 |
(623) 242-5705 | |
| Akin & Associates Inc. | 300 N Gila Sprgs Blvd 85226-2727 |
480-659-5263 | |
| Rebecca F. Parks | 3303 E Baseline Rd Ste 5-109 85234 |
(480) 659-2363 |
| Homeowners Insurance Agents | Agent Address | Contact Details | |
|---|---|---|---|
| Weaver Insurance & Financial | 16844 E Avenue Of The Fountains Ste 202 85268 |
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| Jacqueline R Castillo | 15610 N 35TH AVE 5 85053 |
602-375-9100 | |
| Powell Insurance Agency | 287 E Frye Rd Ste 3 www.powell-insurance.com 85225 |
(480) 351-0629 Email:joanne@Powell-Insurance.com |
|
| Skyrmes Insurance Agency Inc. | 3420 E Shea Blvd 3420 E Shea Blvd 85028 |
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| Downs & Associates Inc | 4001 E Bell Rd Ste 122 85032 |
(602) 567-0209 | |
| Corwin C Erdman Inc. | 23858 S Power Rd 85142-6153 |
480-279-0105 | |
| Michael Sprague & Associates | 21448 N. 75Th Ave. Suite 2 85308 |
1-623-572-4440 | |
| R C Insurance Services Inc. | 916 E Baseline Rd Ste 103 www.rcinsure.com 85204 |
(480) 382-1570 | |
| Macias Insurance Agency | 2101 E BROADWAY RD STE 6 www.maciasinsurance.com 85282 |
480-656-1036 | |
| Acosta Insurance Agency Inc. | 7050 W Chndlr Blvd Ste 4 85226-3242 |
480-961-4884 |
| Erie | GEICO | Nationwide | |
| Median Home Value ($) | 183,270 | 183,270 | 163,270 |
| Construction year | 2014 | 2010 | 2012 |
| 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% |