Check out the most popular Home Insurance agencies & companies in Scottsdale, AZ & compare the best quotes from them.
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.
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% |
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 |
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 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 |
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 |
Homeowners Insurance Agents | Agent Address | Contact Details | |
---|---|---|---|
Tc Wilson Insurance Group | 7950 E Acoma Dr Ste 109 85260 |
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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 |
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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 |
GEICO | Allstate | State Farm | |
Median Home Value ($) | 400,150 | 440,150 | 450,150 |
Construction year | 1982 | 1974 | 1980 |
Home Coverage ($) | $500000-$600000 | $600000-$700000 | $500000-$600000 |
Total Premium ($) | $1210 | $1638 | $1346 |
Home Insurance Company | Multi Policy Discount (%) |
---|---|
GEICO | upto 17% |
Nationwide | upto 8% |
Allstate | upto 20% |
Travelers | upto 8% |