Chandler Homeowners Insurance

The Zebra
Aug. 26, 2019

How to find affordable homeowners insurance in Chandler


Home insurance is a critical element of homeownership. Homeowners insurance provides coverage against fire, wind damage, and theft for your home and the contents inside it. Given the relatively frequent occurrence of these incidents and the sizeable cost of replacing a home, homeowners coverage is a solid investment.

The cost of homeowners insurance coverage factors in variables such as the cost of building materials, the value of your personal belongings, and the overall value of the primary dwelling. Location also plays a role in determining the price of your homeowners insurance policy. In areas prone to perils likewindstorms, hail, fire, or even theft , home insurance policies may be more expensive to account for the extra risk. Discover more information about the specifics of home insurance coverage.

Finding affordable home insurance in Chandler starts with shopping around and comparing policies. Check out the below summary of average Chandler homeowners insurance premiums to ensure you start your search with as much background info as possible. One thing to note is that the yearly cost of homeowners coverage is determined based on your chosen coverage limits as well as a number of other rating factors.


Chandler, Arizona, homeowners insurance:
  1. Rates by company
  2. Rates by coverage level
  3. Rates by ZIP code
  4. Insurance bundle discounts

Homeowners insurance in Chandler by insurance company

Chandler homeowners insurance rates will vary depending on which insurance company you choose. The most inexpensive home insurance in Chandler comes from CSAA, which offers average annual rates of just $697 per year. This is more favorable than the city’s average home insurance premium of $1,255.

Start your search for a home insurance policy by reviewing the cheapest companies in Chandler, Arizona, listed below.


CHEAP HOMEOWNERS INSURANCE COMPANIES IN CHANDLER
CompanyAverage Annual Rate
CSAA$697
Iowa Farm Bureau$862
Liberty$923
State Farm$948
USAA$986

Average homeowners insurance costs in Chandler by coverage level

The amount of home coverage you select has an impact on your insurance premiums. In Chandler, carrying $200K dwelling coverage costs an average of $970, while carrying additional coverage up to $400K costs $1,595 per year.


HOMEOWNERS INSURANCE RATES IN CHANDLER — POPULAR COVERAGE LIMITS
Coverage LevelAverage Annual Rate
$200K Dwelling$970
$400K Dwelling$1,595

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Chandler home insurance prices by ZIP code

Homeowners insurance premiums can vary depending on what part of Chandler in which you live. One of the factors that insurers use when pricing your insurance policy is the number of claims filed in your surrounding area. As such, your neighborhood's location can dramatically impact your home insurance premium.

The cheapest home insurance rates in Chandler are available in 85249. In 85249, the typical home insurance policy costs $1,206 per year — $49 less than the citywide average in Chandler. The below table shows the best places to live in Chandler if you’re looking for affordable homeowners insurance.


AFFORDABLE ZIP CODES FOR HOMEOWNERS INSURANCE IN CHANDLER
ZIP CodeAverage Annual Home Insurance Rate
85249$1,206
85248$1,213
85212$1,248

On the other hand, some areas of Chandler face higher homeowners insurance costs, on average. These areas might face a higher probability of perils such as severe weather and fires. Similarly, they may also have a higher amount of crimes such as burglary or vandalism. With an annual average premium of $1,294, 85224 comes in as the most expensive ZIP code in Chandler for homeowners coverage.


EXPENSIVE AREAS FOR HOMEOWNERS INSURANCE IN CHANDLER
ZIP CodeAverage Annual Home Insurance Rate
85224$1,294
85142$1,282
85225$1,270



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Money-saving tip: bundle home and auto insurance in Chandler

You might want to consider bundling your auto and home insurance policies through the same company if you are looking to save on overall insurance costs . Bundling homeowners and auto insurance is one way to save substantially on your monthly car insurance premiums. Bundling policies in Chandler could, in fact, lead to average annual savings of 13%.


CHEAPEST AUTO INSURANCE RATES WITH HOME BUNDLE IN CHANDLER
CompanyAvg. Annual Auto Insurance Rate (Bundle)
USAA$820
State Farm$841
Southern Farm Bureau$937
Farmers$1,129
Shelter$1,183

A great way to save on insurance is to bundle your home and auto policies with the same insurance company. Call 855-493-9728 to speak with an insurance specialist today.


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