Check out the most popular Home Insurance agencies & companies in Somerton, AZ & compare the best quotes from them.
The average cost of homeowners insurance in Somerton, AZ, is $836. Homeowners insurance is essential for protecting your home and personal belongings from unexpected damages or losses. However, the cost of homeowners insurance can vary significantly depending on several factors, including the property's location. If you own a home in Somerton, AZ, it's crucial to understand the average cost of homeowners insurance in the area to make informed decisions about coverage and budgeting. In this article, we will explore the factors that affect homeowners insurance costs in Somerton, AZ, and provide insights into the average cost of insurance premiums in the area.
See the chart below for information on the best insurance companies and rates in Somerton, AZ.
Factors affecting home insurance in Somerton, AZ:
1. Home insurance rates by coverage levels
2. Home insurance rates by deductibles
3. Home insurance rates by materials used
4. Home insurance rates by the number of claims
Homeowners Insurance Costs by Coverage Level
If you increase your coverage level on your homeowner's insurance in Somerton, Arizona, your insurance rate will also increase. The reason is that the insurance provider is taking on more risk by insuring your property for a higher amount, so they will charge you a higher premium to compensate for this risk. It's important to balance the protection you need and what you can afford when choosing your coverage level. If you need assistance determining how much coverage is appropriate for you, it's recommended that you speak with an insurance agent or company representative. They can help you evaluate risks and choose a policy that fits your requirements. For example, in Somerton, Arizona homeowners who select $100K coverage will pay $629 for home insurance.
Rates for Home Insurance by Deductibles
Homeowners insurance deductibles are essential because they determine the amount a policyholder must pay out-of-pocket before the insurance company covers any damages. A higher deductible usually leads to a lower premium, but ensuring the deductible amount is affordable for the policyholder is crucial. For example, in Somerton, Arizona, if a homeowner chooses a $1,500 deductible, they will pay a lower premium of $703. Consequently, selecting a higher deductible results in lower monthly premiums for homeowners in Somerton, Arizona.
Homeowners Insurance Rates by Materials Used
The materials used to construct your home can considerably affect your homeowner's insurance rates. If your home is built with fire-resistant materials, the insurance premiums are generally lower than homes made of wood or other flammable materials. Similarly, homes made of brick or stone are typically less expensive to insure than homes constructed with wood or vinyl siding. For example, in Somerton, AZ, homeowners pay different rates for homeowner insurance depending on the roofing materials. The rates are $794 for hail-resistant roofs and $811 for fire-resistant roofs.
Homeowners Insurance Rates Based on the Number of Claims
Homeowners insurance rates in Somerton, AZ, are affected by the number of claims filed in the city. The higher the number of claims filed, the higher the insurance rates. Insurance companies consider Somerton a high-risk area for claims because they believe there is a greater likelihood of claims being filed in this city than in other parts of the state. To compensate for this risk, they charge higher rates. For example, policyholders in Somerton, Arizona, who have never filed a claim can get their coverage for $727 annually. However, policyholders who have filed one or two claims can expect to pay between $886 and $936 per year for their homeowner's insurance.
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% |
Travelers | A++ | 4.13% |
Erie | A+ | 3.5% |
Homeowners Insurance Agents | Agent Address | Contact Details | |
---|---|---|---|
Rozelle Vanzant | 1840 S 4th Ave Ste 3 85364 |
(928) 783-1000 |
Homeowners Insurance Agents | Agent Address | Contact Details | |
---|---|---|---|
Luc V Tran | 2160 W RANCHO DEL SOL ST 85350 |
928-627-1135 | |
Emil Crockett Agency Inc | 906 S Imperial Ave www.emilcrockettins.com 92231 |
(760) 357-7774 Email:emilcrockett@qwestoffice.net |
|
Brown & Brown Of New York Inc | 2811 S 4th Ave Ste C www.bbnys.com 85364-8257 |
928-344-1727 Email:david.carello@bbnys.com |
|
Young Ins Agency Group Inc | 2951 S Pacific Ave Ste A 85365 |
||
Lubowicki Insurance Agency | 2435 S 8TH AVE 85364 |
928-783-3345 | |
Smith Insurance Group Inc | 220 E 16Th St Ste C 85364 |
Email:denise@dsmithins.com |
|
Brown & Brown Of Fl Inc-Ft Lauderdale | 2750 S Pacific Ave Ste B www.brown-n-brown.com 85365-3547 |
928-344-8050 | |
Diamondback Financial Group Llc | 689 N Main St Ste 3A 85349 |
(928) 627-5202 | |
Boyd Insurance & Investment Services Inc | 408 E 16th St Ste A www.boydinsurance.com 85364-4700 |
928-782-1879 Email:info@boydinsurance.com |
|
Fitzgerald Clayton James & Kas | 2589 E 24th St Ste 1 www.fcjk.com 85365 |
(928) 782-7596 |
Homeowners Insurance Agents | Agent Address | Contact Details | |
---|---|---|---|
Allen Insurance | 360 W 20th St Ste C 85364-5637 |
928-782-FARM | |
Luann T. Bird | 2589 E 24TH ST STE 4 85365 |
928-317-0001 | |
Denis Ricker & Brown | 2451 Rockwood Ave Ste 113 www.drbinsurance.com 92231 |
(760) 357-9092 Email:info@drbinsurance.com |
Homeowners Insurance Agents | Agent Address | Contact Details | |
---|---|---|---|
Ed Lape | 2241 S Avenue A Ste 5 www.edlape.com 85364 |
(928) 376-6515 | |
Oliver Latil Iii | 2680 E 24TH ST 85365 |
928-726-9620 | |
Tony Demichele | 350 W 16Th St Ste 103 www.insuremetony.com 85364 |
||
Tom Breidenstein | 564 Holt Ave www.tombreidenstein.com 92250 |
||
Luanne Cameron | 1045 S 4TH AVE www.luannecameron110.com 85364 |
520-783-3339 | |
Kelly Cloyd | 992 W 16Th St 85364 |
||
Yara Parada | 2589 E 24Th St Ste 4 85365 |
||
Doug Cornelius | 3939 S Avenue 3 E Ste 111 www.dougcornelius.net 85365 |
(928) 314-4155 | |
Steven Kunkle | 2691 S 4Th Ave www.stevenkunkle.com 85364 |
||
Roz Bankston | 1210 W 24th St Ste 1 www.rozbankston.com 85364 |
(928) 343-2466 |
Homeowners Insurance Agents | Agent Address | Contact Details | |
---|---|---|---|
The Rowan Group Inc | 2180 S 4Th Ave www.rowaninsurance.com 85364 |
Email:scott.rowan@rowaninsurance.com |
Allstate | State Farm | Erie | |
Median Home Value ($) | 125,300 | 115,300 | 115,300 |
Construction year | 2011 | 1986 | 2008 |
Home Coverage ($) | $125000-$150000 | $200000-$250000 | $150000-$175000 |
Total Premium ($) | $924 | $1037 | $971 |
Home Insurance Company | Multi Policy Discount (%) |
---|---|
Liberty Mutual | upto 19% |
Travelers | upto 11% |
Allstate | upto 15% |
Erie | upto 24% |