How to find affordable homeowners insurance in Glendale
A critical consideration for every homeowner should be home insurance. Homeowners coverage protects you against fire, wind damage, and theft for your home and the contents inside it. Incidents like this occur regularly. When paired with the high cost of repairing or rebuilding a house, purchasing an expansive homeowners policy can seem like a great idea. The average homeowners policy costs $113 per month in Glendale, Arizona. This is slightly less than the national average.
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. 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. Find out more info about what your homeowners insurance policy covers.
If you want to find cheap home insurance in Glendale, start with shopping around and comparing a variety of different policies. Check out the below summary of average Glendale homeowners insurance rates to ensure you start your search with as much background info as possible. Remember: your homeowners insurance premiums may vary based on your coverage limits and other factors.
Table of contents:
- Rates by insurer
- Rates by coverage amount
- Rates by ZIP code
- Rates by deductible amount
- Policy bundling savings
Glendale home insurance by company
What you pay for homeowners insurance in Glendale will depend on the insurance company you get your policy through. CSAA offers the cheapest home insurance in Glendale, at just $732 per year. This compares favorably to the city’s average homeowners premium of $1,351.
Begin your search for a home insurance policy by reviewing the most affordable companies in Glendale, Arizona, listed below. Then, see our guide ranking the best home insurance companies by customer satisfaction, third-party ratings, and other factors.
AFFORDABLE HOME INSURERS IN GLENDALE
| Company | Average Annual Rate |
| CSAA | $732 |
| State Farm | $926 |
| Liberty Mutual | $997 |
| USAA | $1,068 |
| Iowa Farm Bureau | $1,113 |
Glendale homeowners insurance prices by coverage level
Your chosen level of homeowners coverage impacts the insurance premiums you pay . In Glendale, carrying $200K dwelling coverage costs an average of $1,071, while carrying additional coverage up to $400K costs $1,855 per year.
POPULAR COVERAGE LIMITS IN GLENDALE
| Coverage Level | Average Annual Rate |
| $100K Dwelling | $717 |
| $200K Dwelling | $1,071 |
| $250K Dwelling | $1,307 |
| $400K Dwelling | $1,855 |
Glendale home insurance rates by ZIP code
Not every area of Glendale has equal home insurance premiums. The number 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 coverage.
If you're looking for the cheapest homeowners insurance premiums in Glendale, take a look at the 85382 ZIP code. In the 85382 area, homeowners coverage usually costs just $1,211 a year — a full $139 less than the Glendale average. If you’re looking for the areas with the most affordable homeowners premiums in Glendale, have a look at the table below.
AFFORDABLE HOME INSURANCE AREAS IN GLENDALE
| ZIP Code | Average Annual Home Insurance Rate |
| 85382 | $1,211 |
| 85340 | $1,245 |
| 85310 | $1,268 |
On the other hand, some areas of Glendale face higher homeowners insurance costs, on average. Crime rates, fire risk, and even your how close you are to emergency services such as fire and police stations could impact rates the risk level of certain parts of the city, which has the potential to drive up area rates. An average annual rate of $1,430 makes 85305 the most expensive ZIP code in Glendale for homeowners insurance.
EXPENSIVE HOME INSURANCE AREAS IN GLENDALE
| ZIP Code | Average Annual Home Insurance Rate |
| 85305 | $1,430 |
| 85301 | $1,420 |
| 85303 | $1,404 |
Glendale homeowners insurance deductibles
One of the many choices to be made when looking at home insurance policies is how high to set your deductible. A homeowners deductible is how much your insurance requires you to pay out of pocket toward a claim. Where you choose to set your homeowners deductible is directly related to how much you will pay for insurance.
In general, choosing a lower deductible means that your insurance premiums will be higher. Therefore, you may want to think about setting a higher deductible if you aim to secure lower premiums. Remember that your deductible should only be as high as you can reasonably afford in the event of a covered loss.
The chart below displays the average premium costs associated with deductibles offered by most home insurers.
HOME INSURANCE PREMIUMS BY DEDUCTIBLE LEVEL IN GLENDALE
| Deductible Level | Average Annual Homeowners Insurance Rate |
| $500 | $1,445 |
| $1,000 | $1,307 |
| $1,500 | $1,242 |
| $2,000 | $1,169 |
| $5,000 | $979 |
Home and auto insurance bundling in Glendale
One way to save on insurance costs is to consider bundling your homeowners and auto insurance policies through the same company. Bundling homeowners and auto insurance is one way to save substantially on your monthly car insurance premiums. In fact, bundling policies in Glendale lead to average annual savings of 16%.
CHEAPEST CAR INSURANCE RATES WITH HOME BUNDLE IN GLENDALE
| Company | Avg. Annual Auto Insurance Rate (With Bundle) |
| USAA | $1,002 |
| GEICO | $1,017 |
| State Farm | $1,314 |
| Progressive | $1,334 |
| American Family | $1,343 |
