Gavop's guide to buying homeowners insurance in Maricopa County, 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.
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $59,000 | $50,000 | $50,000-$75,000 |
| 2 Bedroom | $117,500 | $100,000 | $125,000-$150,000 |
| 3 Bedroom | $181,000 | $170,000 | $175,000-$200,000 |
| 4 Bedroom | $235,500 | $220,000 | $250,000-$300,000 |
| 5 Bedroom | $452,000 | $390,000 | $400,000-$500,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$113 | $643 |
| Superior Protection Discount | -$68 | $689 |
| Fire & Security Discount | -$61 | $696 |
| Hail Resistant Roof Discount | -$15 | $741 |
| Newly Constructed Home Discount | -$182 | $575 |
| 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 |
| Maricopa County | $1,500 | $748 | $2,248 | $543 | $2,043 | $204 |
| Maricopa County, AZ | $1,500 | $748 | $2,248 | $543 | $2,043 | $204 |
| Citrus Park, AZ | $400 | $1,026 | $1,426 | $745 | $1,145 | $280 |
| Litchfield Park, AZ | $2,000 | $687 | $2,687 | $499 | $2,499 | $188 |
| Paradise Valley, AZ | $300 | $631 | $931 | $459 | $759 | $173 |
| Wickenburg, AZ | $300 | $751 | $1,051 | $546 | $846 | $205 |
| Deer Valley, AZ | $1,500 | $744 | $2,244 | $541 | $2,041 | $203 |
| Scottsdale, AZ | $200 | $1,154 | $1,354 | $839 | $1,039 | $315 |
| Gilbert, AZ | $2,500 | $817 | $3,317 | $593 | $3,093 | $223 |
| Stanfield, AZ | $500 | $412 | $912 | $299 | $799 | $113 |
| Queen Creek, AZ | $1,000 | $739 | $1,739 | $537 | $1,537 | $202 |
| Home Insurance Company Maricopa County, AZ | Homeowners Insurance Agency Maricopa County, AZ | Address | Popularity Score | Distance from Maricopa County (miles) |
|---|---|---|---|---|
| Liberty Mutual Independent | Low & Johnson Inc | 10645 N Tatum Blvd # 200-618, Phoenix, AZ, 85028 | 34.1 | |
| State Farm | Jeremy Dudleston | 111 E Monroe Ave Ste 101, Buckeye, AZ, 85326-2709 | 5.7 | |
| Travelers | Jvan Financial Group Pllc | 6751 Sunset Blvd N Ste 320, Glendale, AZ, 85305 | 18.7 | |
| Liberty Mutual Independent | The Houston Taylor Group Llc | 10211 N 32nd St Ste F2, Phoenix, AZ, 85028 | 32.2 | |
| State Farm | John Lang | 4902 E Warner Rd Ste 12, Phoenix, AZ, 85044-3317 | 29.9 | |
| Farmers | Fernando Gonzalez | 1423 S Higley Rd Ste 125, Mesa, AZ, 85206 | 45.0 | |
| Allstate | Stan W Strege | 10221 N 32nd St, Phoenix, AZ, 85028 | 32.2 | |
| State Farm | Jared Fink | 650 N Estrella Pkwy Ste A4, Goodyear, AZ, 85338-9283 | 5.6 | |
| Allstate | Tom Hessler | 4830 N Litchfield Rd Ste 102, Litchfield Park, AZ, 85340 | 13.6 | |
| State Farm | Lisa Ross | 6213 S Miller Rd Ste 106, Buckeye, AZ, 85326-1253 | 6.3 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Arizona | $193,200 | $743 | $530 | $1,030 | $500 |
| Maricopa County, AZ | $225,000 | $757 | $550 | $1,070 | $520 |
| Maricopa County, AZ | $225,000 | $757 | $520 | $1,080 | $560 |
| Citrus Park, AZ | $377,400 | $1,038 | $750 | $1,480 | $730 |
| Litchfield Park, AZ | $267,200 | $696 | $500 | $950 | $450 |
| Paradise Valley, AZ | $1,406,700 | $639 | $440 | $880 | $440 |
| Wickenburg, AZ | $228,300 | $760 | $520 | $1,060 | $540 |
| Deer Valley, AZ | $316,200 | $753 | $500 | $1,050 | $550 |
| Scottsdale, AZ | $433,500 | $1,168 | $850 | $1,620 | $770 |
| Gilbert, AZ | $286,400 | $826 | $600 | $1,140 | $540 |
| Stanfield, AZ | $58,700 | $417 | $300 | $590 | $290 |
| Queen Creek, AZ | $312,000 | $748 | $520 | $1,050 | $530 |