Home Insurance in Mesa, AZ

How to find affordable homeowners insurance in Mesa

Home insurance is an important investment for any homeowner. Along with your personal property, homeowners insurance covers your dwelling in the event of many perils, including theft, fire, wind damage, and vandalism. Given the relatively frequent occurrence of these incidents and the significant cost of replacing a home, insurance coverage is a solid investment. The average homeowners policy costs $110 per month in Mesa, Arizona. This is less than what the average American pays for home insurance.

The cost of homeowners insurance 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 home can also influence how much you pay for homeowners insurance. Some areas are more susceptible to perils like fire, hail, frozen pipes, volcanoes, or other hazards. These can make your insurance policy even more expensive.

If you want to find inexpensive home insurance in Mesa, start with looking around and comparing a variety of different policies. Take a look at the summary below showing average home insurance premiums in Mesa to begin your homeowners insurance search with as much information as you can. 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.

 

Table of contents:

1. Rates by insurer
2. Rates by coverage amount
3. Rates by ZIP code
4. Rates by deductible amount
5. Policy bundling savings

 

Mesa home insurance by company

Mesa homeowners insurance rates vary, depending on the insurance company you choose. CSAA offers the most affordable home insurance in Mesa, at just $895 per year. This compares favorably to the city’s average homeowners premium of $1,328.

Begin your search for a home insurance policy by reviewing the cheapest companies in Mesa, Arizona, listed below.  Then, see our list of which home insurance carriers ranked best for customer satisfaction. 

AFFORDABLE HOME INSURERS IN MESA

Company	Average Annual Rate
CSAA	$895
Liberty Mutual	$911
State Farm	$934
Iowa Farm Bureau	$970
USAA	$1,058

 

Mesa homeowners insurance prices by coverage level

The level of home coverage you select has an impact on the insurance premiums you pay. Homeowners in Mesa who carry $200K in dwelling coverage pay an average of $1,079 per year, while those with coverage up to $400K pay around $1,780 per year.

POPULAR COVERAGE LIMITS IN MESA

Coverage Level	Average Annual Rate
$100K Dwelling	$695
$200K Dwelling	$1,079
$250K Dwelling	$1,258
$400K Dwelling	$1,780

 

Mesa home insurance rates by ZIP code

Depending on the part of Mesa you live in, you could see a dramatic difference in your home insurance costs. One of the factors that insurers use when pricing your coverage is the number of claims filed in your surrounding area. As such, the neighborhood you live in can drastically impact your home insurance rates.

If you're looking for the most affordable home insurance premiums in Mesa, take a look at the 85209 ZIP code. In the 85209 area, policies typically cost just $1,242 per year on average — a full $86 less than the Mesa average. The below table shows the best places to live in Mesa if you’re looking for affordable insurance.

AFFORDABLE HOME INSURANCE AREAS IN MESA

ZIP Code	Average Annual Home Insurance Rate
85209	$1,242
85212	$1,248
85207	$1,258

Other parts of Mesa, however, are prone to homeowners insurance costs that are higher on average. Such areas might face a higher danger of perils such as fires or severe weather events. Similarly, they may also have a higher rate of crimes such as burglary or vandalism. With an annual average premium of $1,433, 85201 comes in as the costliest ZIP code in Mesa for homeowners insurance.

EXPENSIVE HOME INSURANCE AREAS IN MESA

ZIP Code	Average Annual Home Insurance Rate
85201	$1,433
85202	$1,401
85204	$1,396

 

Mesa homeowners insurance deductibles

Among the many decisions homeowners face when shopping for homeowners insurance is how high or low to set the deductible. A homeowners deductible is how much your insurance requires you to pay out of pocket toward a claim. Choosing your deductible can have a major impact on how much you pay for your home policy.

Put simply, a higher deductible means cheaper insurance costs. This means that those looking for lower insurance costs will want to seriously consider a higher homeowners deductible. Your deductible should not be so high that you would struggle to pay it in the event of a loss.

Below you'll find some common deductible options offered on most home policies with the corresponding average insurance costs.

HOME INSURANCE PREMIUMS BY DEDUCTIBLE LEVEL IN MESA

Deductible Level	Average Annual Homeowners Insurance Rate
$500	$1,390
$1,000	$1,258
$1,500	$1,189
$2,000	$1,116
$5,000	$927

 

Home and auto insurance bundling in Mesa

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. By bundling policies, a Mesa homeowner could see annual savings of 16% on average.

CHEAPEST CAR INSURANCE RATES WITH HOME BUNDLE IN MESA

Company	Avg. Annual Auto Insurance Rate (With Bundle)
GEICO	$919
USAA	$1,092
State Farm	$1,191
Progressive	$1,206
American Family	$1,244