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Cheapest Homeowners Insurance in Scottsdale, AZ

Scottsdale has become a popular choice for many homeowners. But with sunny skies and warm weather comes the risk of damage to your home due to storms and other natural disasters. That's why homeowners in Scottsdale need to be sure to have adequate homeowners insurance coverage. Homeowners insurance is a type of property insurance that helps protect your home and belongings from risks such as fire, theft, and liability for accidents and injuries on your property. It also provides financial protection in a natural disaster, like a flood or a storm.

The average cost of homeowners insurance in Scottsdale, AZ, is $1168. When shopping for homeowners insurance in Scottsdale, AZ, it is important to compare quotes from multiple providers. Rates vary depending on a variety of factors, including the age and condition of your home, its location, and the type of coverage you need. Your credit score and claims history can also impact the cost of your policy. In this article, we'll discuss the basics of homeowners insurance in Scottsdale, AZ and provide tips on finding the right policy for your needs.

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

The coverage level of a homeowners insurance policy can affect homeowners insurance rates in Scottsdale, AZ. The higher the coverage level, the higher the premium. This is because a higher coverage level typically provides more protection for the homeowner and their belongings, which can come with a higher cost. Additionally, homeowners in Scottsdale may receive discounts for increasing their coverage level, which can help to offset some of the higher costs. For instance, Scottsdale, Arizona residents choosing $200K coverage pay $557 for their home insurance. See the chart below for information on Scottsdale, Arizona, house insurance rates based on coverage levels.

Homeowners insurance in Scottsdale - Rates by deductibles

Your deductible is the amount of money you will disburse out of pocket before your insurance company steps in and pays the rest. Hence, the higher your deductible, the lower your monthly premiums. Since you are paying more out-of-pocket if you file a claim, it makes sense to get a high deductible. If, for example, you file homeowners claim for $1,000 and your deductible is $500, you'll be responsible for paying the first $500 of the repair while your insurer covers the remaining $500. Residents of Scottsdale, Arizona, who choose a $2000 deductible pay $892 for their house insurance. In Scottsdale, Arizona, homeowners who selected a $500 deductible pay $1154 for their house insurance.

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

The age of the home may affect homeowners insurance rates in Scottsdale, AZ. Generally, older homes are more likely to have outdated electrical, plumbing, and heating systems that may be more susceptible to damage and costly repairs. Therefore, insurers may charge higher rates for older homes, as they are more likely to incur higher costs. Additionally, some insurers may provide discounts for homes that have been recently renovated or updated, which may help to offset the higher rates associated with older homes. For instance, in Scottsdale, Arizona, homes that are 40 or 50 years old must pay a premium of $1198 and $1212, respectively. In Scottsdale, Arizona, newly constructed residences can get home insurance for $853.

Homeowners insurance in Scottsdale - Rates by the safety features

Installing safety features such as smoke, fire, and burglar alarms can help reduce insurance premiums. They reduce the risk of a home being damaged or destroyed by fire or burglary. Installing deadbolts and other security measures can also help reduce insurance premiums. Additionally, homes built with fire-resistant materials may qualify for discounts on insurance premiums. For instance, in Scottsdale, Arizona, homeowners insurance costs for houses with sprinkler systems and smoke detectors are $1039 and $1028, respectively.

Top Home Insurance Companies in Scottsdale, 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%
Travelers A++ 4.13%
GEICO A++ 3.95%

Top State Farm Home Insurance Agents in Scottsdale, AZ

Homeowners Insurance Agents Agent Address Contact Details
Mark Mitchell 15170 W Bell Rd STE 100
www.markismyagent.com 85374
(602) 293-9520
Jim Hockemeyer 955 W CHANDLER BLVD. STE 6
www.jimhockemeyer.com 85225
480-430-9806
Doug Prentice 33725 N Scottsdale Rd Ste H-120
www.dougprentice.com 85266
(480) 488-5729
Don Compton 5932 W Bell Rd Ste D106
www.donaldcompton.com 85308
(602) 843-3677
Alan Chan 610 N Gilbert Rd Ste 102
www.alanchansf.com 85234-4525
480-917-5933
Steve Holley Clu, Chfc 1225 W Houston Ave Ste 101
85233
Mack Barnhill 2201 S MCCLINTOCK DR STE 1
www.mackbarnhill.com 85282
480-968-0150
Ellis Johnson 18275 N 59th Ave Ste A-102
85308
(623) 214-6111
Jim Howard 773 W ESTRELLA DR
www.jimhowardinsurance.com 85233
480-336-2707
Ruth Lee 2150 E Highland Ave Ste 212
85016

Top GEICO Home Insurance Agents in Scottsdale, AZ

Homeowners Insurance Agents Agent Address Contact Details
Graves Erskine 5055 W Ray Rd Ste 22
85226
(480) 883-8798
Email:gerskine@geico.com

Top Nationwide Home Insurance Agents in Scottsdale, AZ

Homeowners Insurance Agents Agent Address Contact Details
Rick Gerety & Assoc Inc 21448 N 75th Ave Ste 10
85308
(623) 825-1700
Bob Putnam Agency Inc 6213 S Miller Rd Ste 106
85326-1253
623-386-4432
John C Dally 14985 W BELL RD STE 150
85374
623-535-7007
Alan D Anderson Insurance Inc 17220 N Boswell Blvd Ste 109W
85373-1985
602-942-7085
Lynch & Assoc Ins Services Llc 2949 W INDIAN SCHOOL RD
85017
602-705-5557
John G Rogers And Associates Inc 16220 N SCOTTSDALE RD STE 600
85254
602-787-6000
John C Siska 9299 W OLIVE AVENUE 304B
85345
602-748-1200
John G Rogers And Associates Inc 17470 N PACESETTER WAY
85255
480-657-2800
All About Insurance 20860 N Tatum Blvd Ste 280
85050-4282
480-473-7777
Michael T Alpaugh 4505 E. Chandler Blvd. Ste 145
85048
1-480-732-1491

Top Allstate Home Insurance Agents in Scottsdale, AZ

Homeowners Insurance Agents Agent Address Contact Details
Alsea River Insurance Agency 428 S Gilbert Rd Ste 103
85296-2261
480-832-9773
Rebecca Fairbanks 13034 N VERDE RIVER DR STE 102
85268
(480) 837-1111
Danny Mills 10814 N Scottsdale Road
85254-6166
480-905-1019
Nottoli Insurance Agency Inc 2531 W DUNLAP AVE
85021
(602) 870-1711
Wayne Enyart 5628 E Thomas Road Phoenix
85018
(623) 552-7649
Rebecca Chastain 1423 S Higley Rd Ste 125
85206
(602) 332-6200
Antoinette Bussetti 12689 W Bell Rd
85378-9511
623-583-8836
Ernest Session 1355 S Higley Rd # 5-112
85296
(480) 539-1260
Jessica Mcquaig 7206 E CAVECREEK RD
85377
480-488-2113
Wilbert Smith 2036 N Gilbert Rd
85203

Top Travelers Home Insurance Agents in Scottsdale, AZ

Homeowners Insurance Agents Agent Address Contact Details
Tc Wilson Insurance Group 7950 E Acoma Dr Ste 109
85260
R C Koenig Agency Inc 916 E Baseline Rd Ste 103
85204
(480) 382-1570
Upstate Agency Llc 20410 N 19Th Ave Ste 170
85027

Email:jeffbean@upstateagency.com
Romo Seguros B & R Inc 67 E Weldon Ave Ste 220
www.carinsurancekansascity.com 85012
(602) 279-3443
Email:ramiro_romo@kc.rr.com
Echols Insurance Agency 4350 E Camelback Rd Ste A240
85018
(480) 922-4663
Stone Creek Insurance Agency Inc 42104 N Venture Dr Ste B102
85086
Alternatives Ins Of Chesterfield Mo 4727 E Bell Rd Ste 63
85032-2312
602-992-9299
C O E Incorporated 835 N 43rd Ave Ste 104
www.coeinsonline.com 85009-7016
602-233-3930
Email:coeinsurance@verizon.net
John G King Insurance Agency Inc 7900 E THOMPSON PEAK PARKWAY STE 103
www.johngkinginsurance.com 85255
480-860-6453
Weaver Bros Ins Associates 4545 E Shea Blvd 4545 E Shea Blvd
85028

Homeowners Insurance Comparison for the Cheapest Premiums in Scottsdale, AZ

GEICOAllstateState Farm
Median Home Value ($) 400,150440,150450,150
Construction year 198219741980
Home Coverage ($) $500000-$600000$600000-$700000$500000-$600000
Total Premium ($) $1210$1638$1346

Scottsdale, AZ Multi Policy Discounts by Home Insurance Companies

Home Insurance Company Multi Policy Discount (%)
GEICO upto 17%
Nationwide upto 8%
Allstate upto 20%
Travelers upto 8%