Check out the most popular Home Insurance agencies & companies in Prescott Valley, AZ & compare the best quotes from them.
In Prescott Valley, Arizona, the average cost of homeowner's insurance is $719.74. Homeowner's insurance is important in Prescott Valley, AZ, because it helps protect your home and belongings in case of a covered loss. It can also help cover temporary living expenses if your home is damaged or destroyed. A typical homeowner's policy in Prescott Valley, AZ, includes coverage for your home's structure, personal belongings, liability, and more. You can customize your policy to fit your needs and budget. Homeowner's insurance is essential because it helps give you peace of mind, knowing you're protected can help you relax and enjoy your home.
Home insurance policies can be customized to meet the demands and financial capabilities of the policyholders. The cost of insurance is affected by several variables, including the kind of coverage, the deductible, the age of the home, safety features, the neighborhood where you live, the weather, and many more. Therefore, before obtaining home insurance in Prescott Valley, Arizona, homeowners must research the quotations and advantages provided by the providers. The top home insurance companies in Prescott Valley, AZ, offering home insurance at competitive rates, are listed below.
Factors affecting home insurance in Prescott Valley, 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
1. Homeowners Insurance Rates based on Coverage Level in Prescott Valley, AZ
Homeowners insurance rates are usually based on the amount of coverage you need. The more coverage you need, the higher your premium will be. The amount of coverage you choose will also affect your rate. The coverage you need depends on the value of your home and your personal belongings. But you can choose to insure for more or less. Remember that if you insure for less, you will be responsible for paying the difference if your home and possessions are damaged or destroyed. For example, you would pay $360 for home insurance in Prescott Valley, Arizona, if you choose coverage of $100K for your property.
Here is a graph showing the level of coverage and relevant house insurance premiums in Prescott Valley, Arizona.
2. Homeowners Insurance Rates based on Deductibles in Prescott Valley, AZ
As a homeowner, it's important to understand how your insurance rates are determined to ensure you're getting the best possible deal on your policy. One of the biggest factors in your rate is your deductible amount. A deductible is an amount you have to pay out-of-pocket before your insurance company starts covering a claim. The higher your deductible, the lower your rates will be. That's because you're shouldering more risk, so the insurance company doesn't have to. Of course, this means that you'll have to pay more out-of-pocket if you do have to file a claim. For example, homeowners in Prescott Valley, Arizona, who selected a deductible of $1500 pay $605 toward their home insurance, while those who selected a deductible of $500 pay $711 in Prescott Valley, AZ.
3. Homeowners Insurance Rates based on the Age of the Home in Prescott Valley, AZ
The average cost of homeowners insurance will vary depending on the age of the home. Older homes will typically cost more to insure than newer homes. This is because of the fact that an older home requires more care to be maintained and protected. Due to outdated security measures and technological capabilities, older properties are more vulnerable to burglary and fire damage. As a result, homeowners insurance companies charge older homes higher premiums for coverage than they do for newly built homes. For example, in Prescott Valley, Arizona, newly constructed homes pay $539 in premiums, while homes 40 years old or older pay $738 on homeowners insurance.
4. Homeowners Insurance Rates based on the Safety Features in Prescott Valley, AZ
Making your home as safe as possible is one of the most important things you can do to earn cheaper homeowners insurance premiums. Adding safety features like smoke detectors, burglar alarms, deadbolts, fire extinguishers, and security systems can significantly lower your rates. For instance, homeowners in Prescott Valley, Arizona, with a fire extinguisher and a deadbolt in their house, pay $669 and $654 for home insurance, respectively.
Home Insurance Company | A.M. Best Financial Strength Rating | Homeowners Insurance Market share |
---|---|---|
State Farm | A | 17.97% |
Liberty Mutual | A | 8.64% |
Allstate | A+ | 8.64% |
Nationwide | A+ | 8% |
Travelers | A++ | 4.13% |
Homeowners Insurance Agents | Agent Address | Contact Details | |
---|---|---|---|
Cg Ins Group Llc | 150 S St Rte 69 Ste 9E www.cginsurancegroup.com 86327-9502 |
928-775-4080 | |
Bollinger Inc-Patterson | 2485 N Grt Wstrn Dr Ste G www.pmacares.com 86314-2526 |
928-772-8338 | |
Charles F Kaiser Assoc Inc | 1725 W State Route 89A Ste A 86336-5579 |
928-282-1242 | |
Child-Genovese Insurance Agency | 37 N Jefferson St www.cgiins.com 85390-1243 |
928-684-2868 | |
Lovinger Insurance Inc | 1965 COMMERCE CTR CIR STE B 86301 |
928-777-0767 Email:llovinger@lovingerinsurance.com |
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Xl Brokerage Of Shirley Inc | 1965 Commerce Center Cir Ste B 86301 |
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Conner & Duffer Insurance Agency | 37 N Jefferson Street 85390-1243 |
928-684-2868 Email:cduffercdi@valornet.com |
|
Minuteman Insurance Llc | 400 WHITE SPAR RD 86303 |
928-778-4949 Email:rparker@minutemaninsurance.com |
|
Flag Insurance Group | 1301 E Gurley St Ste B 86301 |
(928) 776-0976 | |
Crockett Insurance Service | 400 W Finney Flat Road www.crockettinsurance.com 86322-7265 |
928-567-3374 Email:carlton.jones@crockettinsurance.com |
Homeowners Insurance Agents | Agent Address | Contact Details | |
---|---|---|---|
Robert B Johnson | 339 Butterfield Rd 86323 |
(928) 636-2700 | |
Rick Hamby Agency Inc | 325 W Railroad Ave 86046 |
(928) 635-2523 |
Homeowners Insurance Agents | Agent Address | Contact Details | |
---|---|---|---|
Terry Sminchak | 830 S Main St 830 S Main St 86326 |
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Ed Zinschlag | 2301 W Highway 89A Ste 103 www.edzinschlag.com 86336 |
(928) 282-9226 | |
Alex Bowden | 3298 N Glassford Hl Rd Ste 103 86314-1294 |
928-772-7100 | |
Jessica Kelly | 617 W MINGUS AVE www.jessicakelly.biz 86326 |
928-634-2331 | |
Steve Mcdonald | 1785 W State Route 89A 1785 W State Route 89A 86336 |
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Rick Duran | 525 E Gurley St www.insuringjersey.com 86301 |
(928) 778-9399 | |
Jim Wurbel | 701 W Mesquite Dr 86326 |
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Jessica Hogan | 8141 E FLORENTINE RD STE A www.jessicamonroehogan.com 86314 |
928-772-6654 | |
Rick Emerson Jr. | 70 Tortilla Dr www.rickemersonjr.com 86336 |
(928) 282-6052 | |
Jessica O'Neill | 3190 W SR 89A STE 1000 www.jessicaoneill.com 86336 |
928-282-0710 |
Homeowners Insurance Agents | Agent Address | Contact Details | |
---|---|---|---|
Jessica Peege | 1120 WEST STATE RT 89A STE B-3 86336 |
928-282-6500 | |
Jessica Ivey | 701 W MESQUITE DR 86326 |
928-649-2255 | |
Jessica Inman | 222 W GURLEY STE 111 86301 |
928-771-9893 | |
Michael Spells | 201 N. Montezuma Street Suite 101 86301 |
1-928-227-9001 |
Homeowners Insurance Agents | Agent Address | Contact Details | |
---|---|---|---|
Billy Kemp | 360 N State Route 89 Unit B 86323-4134 |
928-636-3377 | |
Jessica J. Hernandez | 830 SOUTH MAIN STE 1C 86326 |
928-634-6422 | |
Varney Ins South | 3700 N Robert Rd Ste 2 86314 |
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Daniel Shuck | 3298 N Glassford Hill Rd 86314 |
928-772-7100 | |
The Ins Center Inc | 400 White Spar Rd 86303 |
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Evella A Feldhacker | 116 S 1st St 86046 |
(928) 433-4090 | |
Jessica Hong | 3767 KARICIO LANE 85013 |
602-274-1116 | |
Douglas Sharp | 493 S Main St Ste 2 86322 |
(928) 567-5911 |
Liberty Mutual | Allstate | State Farm | |
Median Home Value ($) | 203,160 | 173,160 | 173,160 |
Construction year | 2013 | 1996 | 2002 |
Home Coverage ($) | $250000-$300000 | $200000-$250000 | $250000-$300000 |
Total Premium ($) | $852 | $810 | $770 |
Home Insurance Company | Multi Policy Discount (%) |
---|---|
Travelers | upto 8% |
Nationwide | upto 5% |
Liberty Mutual | upto 15% |
Allstate | upto 21% |