Scottsdale Homeowners Insurance

The Zebra
Aug. 26, 2019

Find cheap homeowners insurance in Scottsdale


A critical consideration for every homeowner should be home insurance. Along with your personal belongings, homeowners insurance covers your dwelling against many different perils, including fire, wind damage, vandalism, and theft. With the relative frequency of such incidents -- and the high cost of rebuilding or repairing damages to a home -- obtaining homeowners insurance is a wise investment.

What you pay for homeowners insurance is dependent on a number of factors. These include the following: dwelling value, value of your personal belongings, and the cost of the materials used to build 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. Learn more info about what a home insurance policy covers.

If you want to find cheap home insurance coverage in Scottsdale, start with shopping around and comparing different policies. Take a look at the summary below showing average homeowners insurance premiums in Scottsdale to help you get as much information as possible when you start your search for homeowners insurance. 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.


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

Home insurance in Scottsdale by insurance company

Homeowners insurance rates in Scottsdale vary from one insurance company to another. The most inexpensive home insurance in Scottsdale comes from CSAA, which offers average annual rates of just $799 per year. This is more favorable than the city’s average homeowners premium of $1,030.

Below you'll find a list of the cheapest home insurance companies in Scottsdale, Arizona to help you start your search.


CHEAP HOME INSURANCE COMPANIES IN SCOTTSDALE
CompanyAverage Annual Rate
CSAA$799
Liberty$962
State Farm$997
Iowa Farm Bureau$1,032
USAA$1,082

Average homeowners insurance costs in Scottsdale by coverage level

The level of home coverage you select has an impact on your insurance premiums. Homeowners in Scottsdale who carry $200K in dwelling coverage pay an average of $735 per year, while those with coverage up to $400K pay around $1,247 per year.


HOMEOWNERS INSURANCE RATES IN SCOTTSDALE — POPULAR COVERAGE LIMITS
Coverage LevelAverage Annual Rate
$200K Dwelling$735
$400K Dwelling$1,247

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Scottsdale home insurance rates by ZIP code

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

To find the cheapest home insurance rates in Scottsdale, look no further than 85262. In the 85262 area, homeowners coverage usually costs just $1,246 per year — a full $-217 less than the Scottsdale average. If you’re looking for the areas with the least costly homeowners premiums in Scottsdale, have a look at the table below.


AFFORDABLE ZIP CODES FOR HOMEOWNERS INSURANCE IN SCOTTSDALE
ZIP CodeAverage Annual Home Insurance Rate
85262$1,246
85255$1,266
85266$1,276

Some parts of Scottsdale, however, have home insurance costs that are higher 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 could drive up area rates. One of the costliest ZIP codes for homeowners insurance in Scottsdale is 85251, with an annual average rate of $1,464.


EXPENSIVE AREAS FOR HOMEOWNERS INSURANCE IN SCOTTSDALE
ZIP CodeAverage Annual Home Insurance Rate
85251$1,464
85250$1,439
85257$1,428



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

You might want to consider bundling your auto and home insurance policies through the same company if saving money is one of your concerns. Bundling your homeowners and auto insurance can save you a substantial sum each month on your auto insurance bill. Bundling policies in Scottsdale could, in fact, lead to average annual savings of 16%.


CHEAPEST AUTO INSURANCE RATES WITH HOME BUNDLE IN SCOTTSDALE
CompanyAvg. Annual Auto Insurance Rate (Bundle)
GEICO$905
State Farm$1,174
American Family$1,179
Progressive$1,184
USAA$1,202

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


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