Chandler, AZ Homeowners Insurance

How to find affordable home insurance in Chandler


Home insurance should be a critical consideration for every homeowner. Along with personal property, homeowners insurance covers your dwelling against many perils, including wind damage, fire, and vandalism. Given the relatively frequent occurrence of these incidents and the sizeable cost of replacing a home, homeowners coverage is a solid investment.

The price of a homeowners insurance policy depends on myriad factors, including the value of the dwelling, the value of your personal items, and the materials used to construct the home. The location of your dwelling can also play a large role in how much you pay for home insurance. Some geographic areas are susceptible to perils such as hail, wildfires, pipe freezes, volcanoes, and other hazards. These perils can lead to more expensive homeowners insurance rates. Discover more information about what is covered by a homeowners insurance policy.

If you want to find cheap home insurance coverage in Chandler, start with shopping around and comparing what different companies offer. Have a look at the summary below comparing average home insurance rates in Chandler to help you get as much information as possible when you start your search for homeowners insurance. One thing to note is that the yearly cost of home coverage is determined based on your chosen coverage limits as well as a number of other rating factors.


Chandler, Arizona, homeowners insurance — table of contents:
  1. Rates by insurance company
  2. Rates by coverage level
  3. Rates by ZIP code
  4. Rates by deductible level
  5. Bundling discounts

Home insurance in Chandler by insurance company

What you pay for homeowners insurance in Chandler will depend on the insurance company you get your policy through. 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 homeowners premium of $1,255.

To get started with your homeowners insurance policy search, take a look at this list of the cheapest companies in Chandler, Arizona.


AFFORDABLE HOME INSURERS IN CHANDLER
CompanyAverage Annual Rate
CSAA$697
Iowa Farm Bureau$862
Liberty$923
State Farm$948
USAA$986

Average homeowners insurance prices in Chandler by coverage levels

Your chosen amount of homeowners coverage determines the insurance premiums you pay . In Chandler, carrying $200K dwelling coverage costs an average of $970, while carrying additional coverage up to $400K costs $1,662/year.


HOMEOWNERS INSURANCE RATES IN CHANDLER — POPULAR COVERAGE LIMITS
Coverage LevelAverage Annual Rate
$100K Dwelling$654
$200K Dwelling$970
$250K Dwelling$1,177
$400K Dwelling$1,662

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Chandler homeowners insurance rates by ZIP code

Depending on which part of Chandler you live in, you might see a dramatic difference in your home insurance costs. The amount of claims filed in your local area can be a factor in determining the price of your policy. Put simply, your home's location could have a huge impact in what you pay for homeowners insurance.

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. Find the best places to live in Chandler for cheap home insurance by looking at the table below.


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

Some parts of Chandler, however, are prone to homeowners insurance costs that are higher on average. These areas might face a higher danger of perils such as severe weather and fires. Similarly, they may also have a higher amount of crimes such as burglary or vandalism. An average annual rate of $1,294 makes 85224 the most expensive ZIP code in Chandler for homeowners insurance.


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

Homeowners insurance deductibles in Chandler

Among the many choices homeowners face when buying homeowners insurance is where to set the deductible. A homeowners deductible is the amount you are responsible for paying toward a covered loss. Choosing your deductible impacts how much you pay for your home policy.

When picking a deductible, keep in mind that the higher your deductible is, the lower your premiums will be. As such, if you want your insurance rates to stay low, aim for a higher deductible. Remember that your homeowners deductible should not be set at an amount that you would have difficulty paying in the event of a loss.

The table below reveals the typical premiums associated with most deductibles.


HOME INSURANCE RATES BY DEDUCTIBLE TIER IN CHANDLER
Deductible LevelAverage Annual Home Insurance Rate
$500$1,298
$1,000$1,177
$1,500$1,114
$2,000$1,046
$5,000$870

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

If you’re seeking savings on your overall insurance costs, consider purchasing your home and auto policies from the same insurance company. Bundling home and auto insurance is one way to save substantially on your monthly car insurance premiums. By bundling your policies, Chandler homeowners could see annual savings of 13% on average.


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

It's definitely worth considering bundling both your auto and home policies as a potential way of saving money.


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Ava Lynch LinkedIn

Based in Austin, TX, Ava has been in the insurance industry as a licensed agent for 4-plus years. Ava is currently one of The Zebra’s resident property insurance experts and has been featured in publications such as US News Report, GasBuddy, and Yahoo! Finance.