Glendale, AZ Homeowners Insurance

Explore how to save on home insurance in Glendale.

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Find cheap 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 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.

 
Glendale, Arizona, homeowners insurance — table of contents:
  1. Rates by insurance company
  2. Rates by coverage amount
  3. Rates by ZIP
  4. Rates by deductible amount
  5. Insurance bundle discounts

 

Homeowners insurance in Glendale by company

What you pay for homeowners insurance in Glendale will depend on the insurance company you get your policy through. CSAA offers the most affordable 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 cheapest companies in Glendale, Arizona, listed below.

 
AFFORDABLE HOME INSURANCE COMPANIES IN GLENDALE
CompanyAverage Annual Rate
CSAA$732
State Farm$926
Liberty Mutual$997
USAA$1,068
Iowa Farm Bureau$1,113

 

Average home insurance rates in Glendale 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.

 
HOMEOWNERS INSURANCE RATES IN GLENDALE — POPULAR COVERAGE LIMITS
Coverage LevelAverage Annual Rate
$100K Dwelling$717
$200K Dwelling$1,071
$250K Dwelling$1,307
$400K Dwelling$1,855

 

Glendale homeowners 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 NEIGHBORHOODS FOR HOMEOWNERS INSURANCE IN GLENDALE
ZIP CodeAverage 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 AREAS FOR HOMEOWNERS INSURANCE IN GLENDALE
ZIP CodeAverage Annual Home Insurance Rate
85305$1,430
85301$1,420
85303$1,404

 

Home insurance deductibles in Glendale

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 LevelAverage Annual Home Insurance Rate
$500$1,445
$1,000$1,307
$1,500$1,242
$2,000$1,169
$5,000$979

 

Money-saving tip for home and auto insurance in Glendale: bundling

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 AUTO INSURANCE RATES WITH A POLICY BUNDLE IN GLENDALE
CompanyAvg. Annual Auto Insurance Rate (With Bundle)
USAA$1,002
GEICO$1,017
State Farm$1,314
Progressive$1,334
American Family$1,343
 

A great way to save on insurance is to bundle your home and auto policies with the same insurance company.

 

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Kristine Lee LinkedIn

Kristine is a licensed insurance agent and one of The Zebra’s in-house content strategists. With a background in copywriting, she covers the ins and outs of the home and car insurance industries. She has contributed to numerous publications focused on the nuances of insurance, including BestCompany.com.