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Average Cost of Homeowners Insurance in Wickenburg, AZ

As a Wickenburg, AZ, homeowner, you know that your home is one of your most valuable assets. Not only is it a place to raise your family and create memories, but it’s also a significant investment. In the event of a fire, severe weather, or other unexpected disasters, you could lose everything you’ve worked so hard for if you don’t have adequate homeowners insurance. A typical homeowners insurance policy will protect your home and belongings from damage or destruction caused by events like fire, wind, hail, lightning, theft, and vandalism. It will also provide liability coverage if someone is injured on your property. Most policies will also cover additional living expenses if you need to relocate temporarily due to damages to your home.

The average cost of homeowners insurance in Wickenburg, AZ, is $1449. The cost of homeowners insurance varies depending on the value of your home, the amount of coverage you need, and the location of your home. But even if it seems like a lot of money, keep in mind that the cost of rebuilding your home and replacing your belongings could be much higher.

Below are a few affordable home insurance providers in Wickenburg, AZ.

Factors Influencing Home insurance in Wickenburg, AZ:

1. Homeowners insurance rates by coverage levels

2. Homeowners insurance rates by deductibles

3. Homeowners insurance rates by materials used

4. Homeowners insurance rates by the number of claims

Homeowners Insurance in Wickenburg, AZ- Rates by Coverage Levels

Homeowners insurance is one of the most important types of insurance to have, as it can protect your home and possessions in the event of a natural disaster or other unforeseen events. However, the cost of homeowners insurance can vary greatly depending on the coverage levels you choose. The type of home you have, the value of your possessions, and the amount of risk in your area will all play a role in determining the cost of your homeowners insurance. However, the coverage levels you choose will impact the price you pay for your policy.

For instance, homeowners in Wickenburg, Arizona, who pay for coverage of $200K, can obtain home insurance for $650. Typically, homeowners choose $300,000 to $400,000 in coverage, with premiums of $1274 and $1658, respectively.

Homeowners Insurance in Wickenburg, AZ- Rates by Deductibles

Deductibles are one factor that affects the cost of homeowners insurance. A deductible is the amount of money the policyholder must pay out-of-pocket before the insurance company pays a claim. Deductibles can range from a few hundred dollars to a few thousand dollars. The higher the deductible, the lower the insurance policy's premium (monthly cost). That's because the policyholder assumes more risk by agreeing to pay more out-of-pocket before the insurance company pays a claim.

By choosing a deductible that suits them, homeowners in Wickenburg, Arizona, can personalize their homeowner's insurance coverage. In Wickenburg, Arizona, for instance, homeowners who choose a high deductible of 2500 pay $546 compared to homeowners who choose a deductible of 500, which costs $751.

Homeowners Insurance in Wickenburg, AZ- Rates by the Materials Used

The cost of homeowners insurance in Wickenburg, AZ, can be affected by the materials used to construct the home. For instance, a home built with all brick or stone exterior walls is likely to cost more to insure than a home with wood siding. This is because brick and stone are more durable materials that can withstand severe weather conditions better than wood. As a result, homes constructed with these materials are less likely to experience damage from wind, hail, or other elements and are, therefore, less risky to insure. For instance, homeowners in Wickenburg, Arizona, who build their homes with Masonry and Superior brick materials spend $722.45 and $692.03.

Homeowners Insurance in Wickenburg, AZ- Rates by the Number of Claims

As the number of claims against a homeowner's insurance policy in Wickenburg, AZ, rises, so does the cost of the policy. This is because each claim made against the policy raises the policyholder's risk profile, and the insurer must charge more to cover that risk. In Wickenburg, Arizona, homeowners with no claims can purchase their policy for as little as $654.01. Policyholders with one or two claims pay a higher premium and pay about $798.50 and $859.34 per year for their home insurance, respectively.

Top Home Insurance Companies in Wickenburg, AZ

Home Insurance Company A.M. Best Financial Strength Rating Homeowners Insurance Market share
State Farm A 17.97%
Liberty Mutual A 8.64%
Nationwide A+ 8%
Travelers A++ 4.13%
Erie A+ 3.5%

Top Nationwide Home Insurance Agents in Wickenburg, AZ

Homeowners Insurance Agents Agent Address Contact Details
Rick Gerety & Assoc Inc 21448 N 75th Ave Ste 10
(623) 825-1700
Cole Hixon Insurance Inc 5350 N 16th St Ste 100
Chris R. Demers 18434 N 99th Ave Ste 6
Jessica L Burick 42138 N MOUNTAIN COVE DR
Alan D Anderson Insurance Inc 17220 N Boswell Blvd Ste 109W
All About Insurance 13801 N 49th Ave
Cary-Wheeler & Associates Inc 9299 W Olive Ave Ste 212
Rick Galster Iii Insurance Agency Inc 701 W Deer Valley Rd Ste 6
(623) 869-8400
Rick Hamby Agency Inc 20616 N Cave Creek Rd Ste 112d
(602) 647-2771
Lazor Ins & Finc Services 18275 N 59TH AVE STE 160

Top State Farm Home Insurance Agents in Wickenburg, AZ

Homeowners Insurance Agents Agent Address Contact Details
Robin Brackett 211 E Osborn Rd # C 85012
(602) 274-2941
Chuck Kent 13825 N 7th St Ste G
John Bussey 15655 W ROOSEVELT ST STE 215 85338
Emmett Thompson 13845 W Test Dr 85338
(623) 932-1000
Al Nasiri 20325 N 51st Ave Ste 144 85308-4610
Bob Zakar 20542 N Lk Plsnt Rd Ste 103 85382-9749
Chris Regel 1625 N 51st Ave Ste 103 85035-3935
John C Bugg Iii 3060 N LITCHFIELD RD STE 120
Louie Olive 6751 N SUNSET BLVD STE 320
Cathy Yerkes 28212 N Tatum Blvd Ste D5 85331-2387

Top Travelers Home Insurance Agents in Wickenburg, AZ

Homeowners Insurance Agents Agent Address Contact Details
John C Greene Agency 2000 W WICKENBURG WAY STE 400
Lazarou Insurance & Financial Services 7357 N 72ND AVE 85303
Prime Coverage Corp 18001 N 79th Ave Ste A14
(623) 386-9968
Primax Insurance Agency Inc 17505 N 79th Ave Ste 114
(623) 412-8056
Pretorius Agency Inc 10320 W Mcdowell Rd Ste E5016
(623) 936-4962
Belmont Ins Inc 5350 N 16th St Ste 100 85016-3213
The Mitchell-Joseph Agency 5225 N Central Ave Ste 110
Deforest Group Incorporated 1500 S Watson Rd Ste C102 85326
(623) 932-3296
R L Milsner Inc Insurance Brokerage 250 N Litchfield Rd Ste 140
(623) 236-3131
Belk Insurance Agency Inc 3430 W Bethany Home Rd Ste 109

Top Erie Home Insurance Agents in Wickenburg, AZ

Homeowners Insurance Agents Agent Address Contact Details
Lazar Insurance 7440 W CACTUS RD A-8
Michael Sprague & Associates 21448 N. 75Th Ave. Suite 2
James B Murdoch Insurance Group Inc. 4046 E GREENWAY
Arnold / Kukuda Insurance Agency Llc 20325 N 51st Ave Ste 6-144
Burke & Byrne & Associates Inc. 111 E Monroe Ave Ste 101
Downs & Associates Inc 4001 E Bell Rd Ste 122
(602) 567-0209
Anderson & Baur Insurance Llc 751 E Union Hls Dr Ste A9
Jacqueline R Castillo 15610 N 35TH AVE 5
Ziemba Insurance Agency 15610 N 35Th Ave Ste 5
Pretak And Pagones Insurance Agency Inc. 9950 W Van Buren St Ste 102 85323
(623) 362-3663

Top Liberty Mutual Home Insurance Agents in Wickenburg, AZ

Homeowners Insurance Agents Agent Address Contact Details
Al Drago Lutcf 3040 E Cactus Rd Ste 2
Edith Ramirez 5418 NW Grand Ave
(623) 474-9300
Daisy Romero 7075 W Bell Road
Derek Maitz 28255 N Tatum Blvd Ste 7
(480) 368-9569
Preston Young 15609 W Bell Rd Ste 103
(623) 476-5607
Jessica Novak 1320 W CAVEDALE DR
Felice Iglesias Mba 13144 W Camelback Rd Ste 130
(623) 572-5135
Michael Sullivan 14815 West Bell Road Suite 106
Jessica Niemann 2336 W BARWICK DR
Elaine Irvin 23425 N 39th Dr Ste 104
(602) 765-4915

Homeowners Insurance Comparison for the Cheapest Premiums in Wickenburg, AZ

NationwideTravelersState Farm
Median Home Value ($) 215,470225,470235,470
Construction year 201119921997
Home Coverage ($) $300000-$350000$350000-$400000$300000-$350000
Total Premium ($) $910$1312$942

Wickenburg, AZ Multi Policy Discounts by Home Insurance Companies

Home Insurance Company Multi Policy Discount (%)
Nationwide upto 9%
Travelers upto 6%
Erie upto 18%
Liberty Mutual upto 19%