Mesa Homeowners Insurance

The Zebra
Aug. 26, 2019

Find cheap homeowners insurance in Mesa


Homeowners insurance is a critical element of homeownership. It covers your dwelling — and the personal property within it — against a variety of perils, including fire, theft, vandalism, or wind damage. Given the relatively frequent occurrence of these incidents and the substantial cost of replacing a home, homeowners coverage is a solid investment.

The cost of homeowners insurance coverage depends on many factors. This can include the overall value of your house, the value of your personal belongings, and the materials that were used when building your home. Your home's location can also impact how much you pay, as some locations are more prone to destructive hazards. If your area is at risk of being affected by hail, strong winds, fire, frozen pipes, or volcanic activity, then your premiums could be substantially higher than average. Find out more info about the specifics of home insurance coverage.

Finding cheap home insurance in Mesa starts with shopping around and comparing policies. Have a look at the summary below comparing average home insurance rates in Mesa to begin your homeowners insurance search with as much knowledge as possible. Remember: your homeowners insurance costs may vary based on your coverage limits and other factors.


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

Home insurance in Mesa by insurance company

Homeowners insurance rates in Mesa vary from one insurance company to another. The most inexpensive home insurance in Mesa comes from CSAA, which offers average annual rates of just $895 per year. This is more favorable than the city’s average home insurance premium of $1,328.

To get started with your homeowners insurance policy search, take a look at this list of the cheapest companies in Mesa, Arizona.


AFFORDABLE HOMEOWNERS INSURANCE COMPANIES IN MESA
CompanyAverage Annual Rate
CSAA$895
Liberty$911
State Farm$934
Iowa Farm Bureau$970
USAA$1,058

Average homeowners insurance costs in Mesa by coverage level

How much you spend on home insurance coverage is greatly impacted by the level of coverage you choose. In Mesa, carrying $200K dwelling coverage costs an average of $1,079, while carrying additional coverage up to $400K costs $1,788/year.


HOMEOWNERS INSURANCE RATES IN MESA — POPULAR COVERAGE LIMITS
Coverage LevelAverage Annual Rate
$200K Dwelling$1,079
$400K Dwelling$1,788

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Mesa home insurance rates by ZIP code

Not every area of Mesa has equal home insurance costs. The amount of claims filed in your local area can be a factor in determining the price of your policy. Put simply, the neighborhood you live in could have a huge impact in what you pay for homeowners insurance.

If you're looking for the cheapest homeowners insurance premiums in Mesa, take at look at the 85209 ZIP code. In the 85209 area, homeowners policies typically cost just $1,242 on average — a full $86 less than the overall average for Mesa. Find the best places to live in Mesa for cheap home insurance by looking at the following table.


AFFORDABLE AREAS FOR HOMEOWNERS INSURANCE IN MESA
ZIP CodeAverage Annual Home Insurance Rate
85209$1,242
85212$1,248
85207$1,258

On the other hand, some areas of Mesa face higher homeowners insurance costs, on average. These areas might face a higher risk of perils such as severe weather and fires. Similarly, they may also have a higher rate of crimes such as burglary or vandalism. An average annual rate of $1,433 makes 85201 the most expensive ZIP code in Mesa for homeowners coverage.


EXPENSIVE AREAS FOR HOMEOWNERS INSURANCE IN MESA
ZIP CodeAverage Annual Home Insurance Rate
85201$1,433
85202$1,401
85204$1,396



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

If you’re searching for ways to save on your overall insurance costs, consider purchasing your home and auto policies from the same insurance company. Bundling your homeowners and auto insurance can save you a substantial sum each month on your auto insurance bill. Bundling policies in Mesa could, in fact, lead to average annual savings of 16%.


CHEAPEST AUTO INSURANCE RATES WITH HOME BUNDLE IN MESA
CompanyAvg. Annual Auto Insurance Rate (Bundle)
GEICO$919
USAA$1,092
State Farm$1,191
Progressive$1,206
American Family$1,244

It's definitely worth considering bundling both your auto and home policies as a potential way of saving money. To speak with an insurance professional, reach out to us at 855-493-9728 today.


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