Glendale, AZ Homeowners Insurance
Explore expert tips on how to find affordable home insurance in Glendale, Arizona.
Explore expert tips on how to find affordable home insurance in Glendale, Arizona.
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.
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.
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.
| Company | Average Annual Rate |
| CSAA | $732 |
| State Farm | $926 |
| Liberty Mutual | $997 |
| USAA | $1,068 |
| Iowa Farm Bureau | $1,113 |
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.
| Coverage Level | Average Annual Rate |
| $100K Dwelling | $717 |
| $200K Dwelling | $1,071 |
| $250K Dwelling | $1,307 |
| $400K Dwelling | $1,855 |
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.
| 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.
| ZIP Code | Average Annual Home Insurance Rate |
| 85305 | $1,430 |
| 85301 | $1,420 |
| 85303 | $1,404 |
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.
| 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 |
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%.
| 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 |
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.
The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.
