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Cost of homeowners insurance on average in Prescott Valley, Arizona

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.

Top Home Insurance Companies in Prescott Valley, AZ

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%

Top Travelers Home Insurance Agents in Prescott Valley, AZ

Homeowners Insurance Agents Agent Address Contact Details
Cg Ins Group Llc 150 S St Rte 69 Ste 9E 86327-9502
Bollinger Inc-Patterson 2485 N Grt Wstrn Dr Ste G 86314-2526
Charles F Kaiser Assoc Inc 1725 W State Route 89A Ste A
Child-Genovese Insurance Agency 37 N Jefferson St 85390-1243
Lovinger Insurance Inc 1965 COMMERCE CTR CIR STE B
Xl Brokerage Of Shirley Inc 1965 Commerce Center Cir Ste B
Conner & Duffer Insurance Agency 37 N Jefferson Street
Minuteman Insurance Llc 400 WHITE SPAR RD
Flag Insurance Group 1301 E Gurley St Ste B
(928) 776-0976
Crockett Insurance Service 400 W Finney Flat Road 86322-7265

Top Nationwide Home Insurance Agents in Prescott Valley, AZ

Homeowners Insurance Agents Agent Address Contact Details
Robert B Johnson 339 Butterfield Rd
(928) 636-2700
Rick Hamby Agency Inc 325 W Railroad Ave
(928) 635-2523

Top State Farm Home Insurance Agents in Prescott Valley, AZ

Homeowners Insurance Agents Agent Address Contact Details
Terry Sminchak 830 S Main St 830 S Main St
Ed Zinschlag 2301 W Highway 89A Ste 103 86336
(928) 282-9226
Alex Bowden 3298 N Glassford Hl Rd Ste 103
Jessica Kelly 617 W MINGUS AVE 86326
Steve Mcdonald 1785 W State Route 89A 1785 W State Route 89A
Rick Duran 525 E Gurley St 86301
(928) 778-9399
Jim Wurbel 701 W Mesquite Dr
Jessica Hogan 8141 E FLORENTINE RD STE A 86314
Rick Emerson Jr. 70 Tortilla Dr 86336
(928) 282-6052
Jessica O'Neill 3190 W SR 89A STE 1000 86336

Top Liberty Mutual Home Insurance Agents in Prescott Valley, AZ

Homeowners Insurance Agents Agent Address Contact Details
Jessica Peege 1120 WEST STATE RT 89A STE B-3
Jessica Ivey 701 W MESQUITE DR
Jessica Inman 222 W GURLEY STE 111
Michael Spells 201 N. Montezuma Street Suite 101

Top Allstate Home Insurance Agents in Prescott Valley, AZ

Homeowners Insurance Agents Agent Address Contact Details
Billy Kemp 360 N State Route 89 Unit B
Jessica J. Hernandez 830 SOUTH MAIN STE 1C
Varney Ins South 3700 N Robert Rd Ste 2
Daniel Shuck 3298 N Glassford Hill Rd
The Ins Center Inc 400 White Spar Rd
Evella A Feldhacker 116 S 1st St
(928) 433-4090
Jessica Hong 3767 KARICIO LANE
Douglas Sharp 493 S Main St Ste 2
(928) 567-5911

Homeowners Insurance Comparison for the Cheapest Premiums in Prescott Valley, AZ

Liberty MutualAllstateState Farm
Median Home Value ($) 203,160173,160173,160
Construction year 201319962002
Home Coverage ($) $250000-$300000$200000-$250000$250000-$300000
Total Premium ($) $852$810$770

Prescott Valley, AZ Multi Policy Discounts by Home Insurance Companies

Home Insurance Company Multi Policy Discount (%)
Travelers upto 8%
Nationwide upto 5%
Liberty Mutual upto 15%
Allstate upto 21%