How Can I Make My Lake Havasu City, AZ Home Insurance Cheaper
Gavop's guide to buying homeowners insurance in Lake Havasu City, AZ covers how to get the right coverage, optimize deductibles, identify the best agents, understand claim requirements, avail discount options, compare cheap quotes and research reviews.
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Estimate Appropriate Lake Havasu City, AZ Home Insurance Coverage Levels | Back to Top
| Lake Havasu City, AZ - Neighbourhoods, Census Blocks & Streets | 3 Bedroom | 2 Bedroom | ||||
|---|---|---|---|---|---|---|
| Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | |
| Sea Ace Ln, Avalon Ave, Melody Dr, Caliente Ln, Vega Plz, Broadwater Dr, Black Hill Pl, Havasu Heights Rd, Lasser Ln, Trimaran Pl E | $262,500 | $220,000 | $250,000-$300,000 | $214,000 | $190,000 | $200,000-$250,000 |
| Chalon Dr, Swordfish Dr, Palm Grove Way, Marauder Dr, U Bay Rd, Sloop Dr, Autumn Dr, Bennie Rd, Durango Dr, Southwind Ave | $187,500 | $160,000 | $200,000-$250,000 | $96,500 | $90,000 | $75,000-$100,000 |
| Ute Dr, Arena Dr, Roll Rd, Churchill Bay, Mimosa Dr, Dayna Dr, Dw Ranch Rd, Garnet Cir, Bert Ave, Kashmir Rd | $195,500 | $160,000 | $150,000-$175,000 | $110,500 | $100,000 | $100,000-$125,000 |
| S Concho Rd, Date Palm Dr, Atlantic Dr, Empress Dr, Empress Ln, Ponderosa Rd, Pepperwood Cir, Patio Simpatico, Hualapai Mtn Rd, Winterhaven Dr | $172,500 | $160,000 | $175,000-$200,000 | $134,000 | $130,000 | $125,000-$150,000 |
| Papago Dr, Silver Arrow Cir, Sonoita Dr, Kiowa Pl, Willow Ave, Diane Dr, Appaloosa Dr, Strait Rd, Kaibab Ln, Bali Dr | $163,000 | $130,000 | $125,000-$150,000 | $152,500 | $130,000 | $125,000-$150,000 |
| Arabian Cir, Halite Rd, Dogwood Ct, Silver King Dr, Desert Rose Ln, Knobhill Ln, Tee Dr, Azalea Ave, Aloha Way, Hughes Ln | $173,500 | $160,000 | $175,000-$200,000 | $152,500 | $140,000 | $125,000-$150,000 |
| Quartz Ln, Comet Dr, Pso Dorado, Bryce Ln, Maverick Cir N, Ramon Dr, E Deacon Dr, Flying Eagle Rd, Snead Cir, Ganado Rd | $152,000 | $130,000 | $150,000-$175,000 | $127,000 | $110,000 | $100,000-$125,000 |
| Voss Rd, Fortune Dr, Douglas Dr, Reef Blvd, N Smoketree Ave, Suzette Rd, Aqua Dr, Empire Dr, Avalon Bay, E Blake Ranch Rd | $199,500 | $170,000 | $200,000-$250,000 | $95,500 | $80,000 | $75,000-$100,000 |
| Indian Pipe Dr, Chip Dr, Prospect Dr, Edgewood Dr, Alichuck Rd, Corte Teresa, Kiowa Blvd S, Purple Rose Ln, Lobo Dr, San Juan Ln | $210,000 | $180,000 | $175,000-$200,000 | $143,500 | $120,000 | $100,000-$125,000 |
| Hillside Dr, S Manzanita Ln, Hound Dr, Whitecap Ct, Cala Rosa, Wren Ln, E Old Hwy 93, Boulder Dr, Fathom Dr, Sombrero Dr | $202,000 | $180,000 | $175,000-$200,000 | $123,000 | $100,000 | $125,000-$150,000 |
Estimate your Savings with Home Insurance Discounts in Lake Havasu City, AZ | Back to Top
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$119 | $624 |
| Superior Protection Discount | -$74 | $669 |
| Fire & Security Discount | -$59 | $684 |
| Hail Resistant Roof Discount | -$22 | $721 |
| Newly Constructed Home Discount | -$201 | $542 |
Choose the Right Deductible for your Lake Havasu City, AZ Home | Back to Top
| Low Deductible ($500) | High Deductible ($2500) | |||||
|---|---|---|---|---|---|---|
| Place | Example Claim Amount | Yearly Premium | Total Yearly Cost | Yearly Premium | Total Yearly Cost | Net Savings for High Deductible Plan |
| Mohave County | $1,500 | $628 | $2,128 | $456 | $1,956 | $172 |
| Lake Havasu City, AZ | $1,500 | $734 | $2,234 | $533 | $2,033 | $201 |
| Wikieup, AZ | $500 | $384 | $884 | $279 | $779 | $105 |
| Yucca, AZ | $1,500 | $599 | $2,099 | $435 | $1,935 | $164 |
| Pinion Pines, AZ | $200 | $796 | $996 | $579 | $779 | $218 |
| Walnut Creek, AZ | $1,000 | $675 | $1,675 | $490 | $1,490 | $184 |
| Crystal Beach, AZ | $100 | $495 | $595 | $360 | $460 | $135 |
| Arizona Village, AZ | $400 | $477 | $877 | $347 | $747 | $130 |
| Valle Vista, AZ | $2,000 | $626 | $2,626 | $455 | $2,455 | $171 |
Identify Top Home Insurance Agents near Lake Havasu City, AZ | Back to Top
| Home Insurance Company Lake Havasu City, AZ | Homeowners Insurance Agency Lake Havasu City, AZ | Address | Popularity Score | Distance from Lake Havasu City (miles) |
|---|---|---|---|---|
| State Farm | Deana Nelson | 3880 Stockton Hill Rd Ste 106, Kingman, AZ, 86409-0595 | 33.4 | |
| Travelers | The Southwest Financial Center | 1854 Hwy 95, Bullhead City, AZ, 86442 | 47.4 | |
| Travelers | Absolute Advantage Insurance Services Llc | 1971 N Mcculloch Blvd Ste 102, Lake Havasu City, AZ, 86403 | 33.0 | |
| Allstate | Angie Whitesides | 701 N Stockton Hill Rd Ste O, Kingman, AZ, 86401 | 30.7 | |
| Farmers | Lisa Sweet | 3317 Highway 95 N, Lake Havasu City, AZ, 86404 | 31.6 | |
| Farmers | Brian Dunigan | 500 Lake Havasu Ave N Ste A100, Lake Havasu City, AZ, 86403 | 33.2 | |
| Farmers | Denise Barron | 1916 Lucille Ave Ste A, Kingman, AZ, 86401 | 31.2 | |
| State Farm | Sasha Ross | 820 S California Ave Ste 101, Parker, AZ, 85344-5051 | 48.7 | |
| State Farm | Kitty Carling | 1395 Hancock Rd, Bullhead City, AZ, 86442-5900 | 47.3 | |
| Travelers | Wickersham Insurance Agency Inc | 2160 Highway 95 Ste 2, Bullhead City, AZ, 86442 | 47.3 |
Compare Rates for Lake Havasu City, AZ Home Insurance Providers | Back to Top
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Arizona | $193,200 | $743 | $500 | $1,030 | $530 |
| Mohave County, AZ | $138,700 | $635 | $450 | $880 | $430 |
| Lake Havasu City, AZ | $212,700 | $743 | $530 | $1,060 | $530 |
| Wikieup, AZ | $52,200 | $389 | $280 | $550 | $270 |
| Yucca, AZ | $116,700 | $606 | $410 | $840 | $430 |
| Pinion Pines, AZ | $248,300 | $806 | $570 | $1,120 | $550 |
| Walnut Creek, AZ | $153,500 | $683 | $480 | $950 | $470 |
| Crystal Beach, AZ | $80,800 | $501 | $360 | $720 | $360 |
| Arizona Village, AZ | $75,700 | $483 | $350 | $690 | $340 |
| Valle Vista, AZ | $128,800 | $634 | $420 | $890 | $470 |
Research Home Insurance Companies Reviews in Lake Havasu City, AZ Before Buying | Back to Top
Share a review on your home insurance company
USAA Home Insurance Reviews
Date: January 28, 2019 Age: 40 to 49 Gender: Male Marital Status: Unmarried
Policy Offerings
I am only familiar with what USAA offers, but from everything I've ever needed to have insurance for USAA has provided.
Date: January 25, 2019 Age: 30 to 39 Gender: Male Marital Status: Unmarried
Policy Offerings
I'm Ok. I did research before purchasing and since I had a lot of questions, I have to talk with local agent, who knows specific information about Austin and Texas. I was surprised, but service phone lines provide general information and in many cases aren't able to provide of contact of local agent.
Farm Bureau Home Insurance Reviews
Date: November 20, 2018 Age: 30 to 39 Gender: Male Marital Status: Married
Policy Offerings
I am satisfied with everything my insurance offers me. They make sure to ask me about life events to make sure I am covered in all aspects.
Progressive Home Insurance Reviews
Date: July 11, 2019 Age: 40 to 49 Gender: Male Marital Status: Married
Policy Offerings
my insurance provider is competitive with other companies as far as rates and policy offerings. i dont feel like im missing out.
Allstate Home Insurance Reviews
Date: October 30, 2018 Age: 30 to 39 Gender: Male Marital Status: Married
Premium
It is on the average to high end. I trust them to be financially solid and, as such, I am willing to pay a bit more for that peace of mind.
The Hartford Home Insurance Reviews
Date: November 07, 2018 Age: 20 to 29 Gender: Female Marital Status: Unmarried
Communication
Good customer service, I do not have a single complaint about that company