Gilbert Homeowners Insurance

The Zebra
Aug. 26, 2019

How to find affordable homeowners insurance in Gilbert


A critical consideration for every homeowner should be their home insurance coverage. Fire, vandalism, theft, and wind damage are only a few of the perils for which home insurance can protect your dwelling and personal property. Given the relatively frequent occurrence of these incidents and the significant cost of replacing a home, a homeowners insurance policy is a solid investment.

What you pay for homeowners insurance 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 likefrozen pipes, hail, windstorms, or wildfires, home insurance policies may be more expensive to account for the extra risk. Find out more about what is covered by a homeowners insurance policy.

If you want to find cheap home insurance coverage in Gilbert, start with looking around and comparing a variety of different policies. . Check out the below summary of average home insurance premiums in Gilbert to help you get as much information as possible when you start your search for homeowners insurance. It's important to remember that the cost of your homeowners insurance is often based on the coverage limits you choose as well as a variety of other factors.


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

Homeowners insurance in Gilbert by insurance company

What you pay for homeowners insurance in Gilbert will depend on the insurance company you get your policy through. The most affordable home insurance in Gilbert is CSAA offering average annual rates at just $743 per year. This is considerably cheaper than the city’s average homeowners premium of $1,224.

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


AFFORDABLE HOMEOWNERS INSURANCE COMPANIES IN GILBERT
CompanyAverage Annual Rate
CSAA$743
Iowa Farm Bureau$874
USAA$884
Liberty$926
State Farm$952

Average homeowners insurance costs in Gilbert by coverage level

How much you spend on home insurance coverage is greatly affected by the level of coverage you choose. In Gilbert, carrying $200K dwelling coverage costs an average of $912, while carrying additional coverage up to $400K costs $1,504 per year.


HOMEOWNERS INSURANCE RATES IN GILBERT — POPULAR COVERAGE LIMITS
Coverage LevelAverage Annual Rate
$200K Dwelling$912
$400K Dwelling$1,504

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Gilbert home insurance rates by ZIP code

Not every area of Gilbert has equal home insurance premiums. One of the factors that insurers use when pricing your coverage is the number of claims filed in your surrounding area. As such, the location of your house can drastically affect your home insurance rates.

To find the most affordable homeowners coverage in Gilbert, look no further than 85296. In the 85296 area, homeowners policies typically cost just $1,196 per year — a full $28 less than the Gilbert average. Find the best places to live in Gilbert for cheap home insurance by looking at the table below.


AFFORDABLE ZIP CODES FOR HOMEOWNERS INSURANCE IN GILBERT
ZIP CodeAverage Annual Home Insurance Rate
85296$1,196
85297$1,203
85142$1,208

Some parts of Gilbert, however, have homeowners insurance rates that are higher on average. Such areas might face a higher risk of perils such as severe weather and fires. Similarly, they may also have a higher amount of crimes such as burglary or vandalism. The most expensive ZIP code for homeowners insurance in Gilbert is 85206, where the average annual rate is $1,300.


EXPENSIVE AREAS FOR HOMEOWNERS INSURANCE IN GILBERT
ZIP CodeAverage Annual Home Insurance Rate
85206$1,300
85233$1,236
85295$1,226



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Looking for a money-saving tip for insurance in Gilbert? Try bundling

If saving money is something you are worried about, you might purchase insurance for your home and auto through the same insurance company. Bundling homeowners and auto insurance can save you a substantial sum each month on your auto insurance bill. In fact, bundling policies in Gilbert leads to average annual savings of 16%.


CHEAPEST AUTO INSURANCE RATES WITH HOME BUNDLE IN GILBERT
CompanyAvg. Annual Auto Insurance Rate (Bundle)
GEICO$911
USAA$1,055
Progressive$1,137
State Farm$1,158
American Family$1,179

It's definitely worth considering bundling both your auto and home policies as a potential way of saving money. Call 855-493-9728 to speak with an expert today.


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