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Average Cost of Homeowners Insurance in Somerton, AZ

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.

Top Home Insurance Companies in Somerton, 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%
Travelers A++ 4.13%
Erie A+ 3.5%

Top Liberty Mutual Home Insurance Agents in Somerton, AZ

Homeowners Insurance Agents Agent Address Contact Details
Rozelle Vanzant 1840 S 4th Ave Ste 3
85364
(928) 783-1000

Top Travelers Home Insurance Agents in Somerton, AZ

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

Top Allstate Home Insurance Agents in Somerton, AZ

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

Top State Farm Home Insurance Agents in Somerton, AZ

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

Top Erie Home Insurance Agents in Somerton, AZ

Homeowners Insurance Agents Agent Address Contact Details
The Rowan Group Inc 2180 S 4Th Ave
www.rowaninsurance.com 85364

Email:scott.rowan@rowaninsurance.com

Homeowners Insurance Comparison for the Cheapest Premiums in Somerton, AZ

AllstateState FarmErie
Median Home Value ($) 125,300115,300115,300
Construction year 201119862008
Home Coverage ($) $125000-$150000$200000-$250000$150000-$175000
Total Premium ($) $924$1037$971

Somerton, AZ Multi Policy Discounts by Home Insurance Companies

Home Insurance Company Multi Policy Discount (%)
Liberty Mutual upto 19%
Travelers upto 11%
Allstate upto 15%
Erie upto 24%