How Can I Make My Yuma, AZ Home Insurance Cheaper

Gavop tells you how to get the best homeowners insurance in Yuma, AZ by getting the correct coverage, picking the right deductible, showing the best agents, comparing the cheapest rates, showing real customer reviews, etc.

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Select the Suitable Coverage Value for your Yuma, AZ Home | Back to Top

Bedrooms Average Home Value Estimated Replacement Value Recommended Home Insurance Coverage
1 Bedroom $48,500 $40,000 $25,000-$50,000
2 Bedroom $98,000 $80,000 $100,000-$125,000
3 Bedroom $150,500 $140,000 $125,000-$150,000
4 Bedroom $176,500 $160,000 $175,000-$200,000
5 Bedroom $402,500 $350,000 $350,000-$400,000

Estimate your Savings with Home Insurance Discounts in Yuma, AZ | Back to Top

Type Discount ($) Premium After Discount ($)
Multipolicy Discount -$131 $690
Superior Protection Discount -$74 $748
Fire & Security Discount -$58 $764
Hail Resistant Roof Discount -$25 $797
Newly Constructed Home Discount -$222 $600

Choose the Right Deductible for your Yuma, 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
Yuma County $1,000 $819 $1,819 $595 $1,595 $224
Yuma, AZ $2,000 $812 $2,812 $590 $2,590 $222
Rancho Mesa Verde, AZ $200 $466 $666 $339 $539 $127
Somerton, AZ $1,500 $826 $2,326 $600 $2,100 $226
Tacna, AZ $2,000 $481 $2,481 $350 $2,350 $131
Yuma County, AZ $100 $819 $919 $595 $695 $224
Wellton, AZ $2,500 $709 $3,209 $515 $3,015 $194
Cibola, AZ $300 $545 $845 $396 $696 $149
East Imperial, CA $1,500 $348 $1,848 $253 $1,753 $95

Identify Top Home Insurance Agents near Yuma, AZ | Back to Top

Home Insurance Company Yuma, AZ Homeowners Insurance Agency Yuma, AZ Address Popularity Score Distance from Yuma (miles)
State Farm Katie Figueroa 360 W 20th St Ste C, Yuma, AZ, 85364-5637
6.0
Allstate Blake Doten 2241 S Avenue A Ste 5, Yuma, AZ, 85364
6.6
Allstate Randal Mcclure 2589 E 24th St Ste 1, Yuma, AZ, 85365
4.5
Travelers Desert Insurance 2589 E 24th St Ste 4, Yuma, AZ, 85365
4.5
Allstate Christina Padilla 689 N Main St Ste 3a, San Luis, AZ, 85349
21.8
Allstate Arnold F. Duarte 1355 W 16th St Ste 2, Yuma, AZ, 85364
6.6
Allstate Jeanne A. Weatherly 11611 S Foothills Blvd Ste F, Yuma, AZ, 85367
8.0
Allstate Anna Vargas-Hopper 3939 S Avenue 3 E Ste 111, Yuma, AZ, 85365
5.5
State Farm Martin Armijo 720 N Main #B, San Luis, AZ, 85349
21.8
State Farm Martin Armijo 708 E 32nd St, Yuma, AZ, 85365-3435
6.2

Compare Rates for Yuma, AZ Home Insurance Providers | Back to Top

Compare Quotes from Top Providers and Save now!

Place Typical Home Value Typical Home Insurance Costs 25th Percentile 75th Percentile Potential Savings & Difference between 25th & 75th Percentile
Arizona $193,200 $743 $540 $1,060 $520
Yuma County, AZ $117,000 $829 $610 $1,150 $540
Yuma, AZ $119,200 $822 $600 $1,160 $560
Rancho Mesa Verde, AZ $72,700 $472 $340 $650 $310
Somerton, AZ $117,000 $836 $610 $1,180 $570
Tacna, AZ $76,900 $487 $340 $680 $340
Yuma County, AZ $117,000 $829 $610 $1,170 $560
Wellton, AZ $76,900 $718 $520 $1,010 $490
Cibola, AZ $96,700 $552 $400 $770 $370
East Imperial, CA $35,900 $352 $260 $480 $220

Research Home Insurance Companies Reviews in Yuma, AZ Before Buying | Back to Top

Share a review on your home insurance company


State Farm Home Insurance Reviews

Date: February 12, 2019    Age: 50 to 59    Gender: Male    Marital Status: Married

Policy Offerings
State Farm's rate for home insurance has been bundled with our car insurance so the premiums have been just fine.


Date: December 07, 2018    Age: 30 to 39    Gender: Male    Marital Status: Married

Policy Offerings
This insurance company offers many policies to our customers.it is very useful to our customers.


Date: October 24, 2018    Age: 20 to 29    Gender: Male    Marital Status: Married

Website/App
The State Farm website is relatively easy to use, navigating isn't too difficult. I give it 4/5 because it's not the absolute easiest website I've ever come across and has room for improvement, but certainly is manageable and does what we need.

Date: September 25, 2018    Age: 40 to 49    Gender: Female    Marital Status: Unmarried

Communication
The insurance agent we met with was extremely helpful in nailing down what we wanted coverage for and what we did not want coverage for. He helped us craft a quote that reflected our wants and needs while keeping the premium as low as possible.

Date: September 13, 2018    Age: 30 to 39    Gender: Male    Marital Status: Married

Website/App
They don't have an app that I have found, at least. So all my interactions are via their website, which isn't always convenient if I'm out and about and need to take care of something.

Date: September 10, 2018    Age: 20 to 29    Gender: Female    Marital Status: Married

Customer Service
It is very easy to speak to an insurance agent and we originally signed up for our policy through the agent. We also feel the premiums are fair and do not change significantly at renewal time.

Date: September 07, 2018    Age: 20 to 29    Gender: Male    Marital Status: Married

Communication
I wish there was better communication. They call me a lot, but I can't always answer the phone, so alternative methods of communication would be preferable.

Date: August 26, 2018    Age: 40 to 49    Gender: Male    Marital Status: Married

Policy Offerings
The house itself and any damage that may happen from external and internal sources, any vehicles on the property, personal damage, loss of use, medical bills for personal injury on the property.


Date: August 23, 2018    Age: 30 to 39    Gender: Female    Marital Status: Married

Customer Service
An agent was supposed to send me information on combining home and auto insurance and they never did, which left a bad taste in my mouth.

Date: August 15, 2018    Age: 30 to 39    Gender: Female    Marital Status: Married

Premium
I can't really speak to the value compared to other insurance companies, but I feel like it is a decent price for what we're covered for.

Date: May 11, 2018    Age: 40 to 49    Gender: Male    Marital Status: Unmarried

Policy Offerings
We have a basic policy covering non-flooding damage from nature, theft, vandalism, and damage from cars, planes, and civil unrest. We also have coverage for some items in the home.


Date: May 10, 2018    Age: 20 to 29    Gender: Female    Marital Status: Unmarried

Premium
The premium for State Farm is lower than all competitors when we shopped around, including Geico (who offered a discount because we purchase car insurance through them, but still came in with a higher premium), Progressive, and Allstate.

Date: December 01, 2017    Age: 40 to 49    Gender: Male    Marital Status: Unmarried

Website/App
The website is perfectly functional and useful. It does everything that it needs to do. However, the look and feel of the site could be updated somewhat to reflect more modern trends in web design, but it is perfectly fine as it is. Checking our policy is easy and simple.

Farmer's Insurance Home Insurance Reviews

Date: October 15, 2019    Age: 30 to 39    Gender: Female    Marital Status: Married

Premium
Our deductible is a bit higher than what most people pay because we wanted to keep the annual cost a bit lower. Over all the premium and deductible is lower than other insurance companies in the area.

Date: March 27, 2019    Age: 30 to 39    Gender: Male    Marital Status: Unmarried

Policy Offerings
the policy offerings is more friendly than other insurance providers, its manageable compare to other insurance providers, their policy is awesome.


Date: September 18, 2018    Age: 50 to 59    Gender: Female    Marital Status: Married

Premium
I think the premium is comparable to other companies, but overall it seems the best for us at this point in time.

Date: September 15, 2018    Age: 40 to 49    Gender: Male    Marital Status: Unmarried

Website/App
We have tried using the website, but it never seems to work right, so is more frustration than we need. It seems easiest over the phone.

Date: September 11, 2018    Age: 20 to 29    Gender: Male    Marital Status: Unmarried

Communication
The agents are always pleasant, always polite,and helpful. If the local office is closed, we have actually been able to reach him by phone. we were impressed by that. We have all our insurance through the same company, so we do need to meet sometimes.

Date: August 03, 2018    Age: 30 to 39    Gender: Male    Marital Status: Married

Policy Offerings
We have the basic homeowner's insurance required by our mortgage company. The policy covers fire, theft, "natural disasters" , such as hail damage. We do not have flood insurance coverage. The policy covers also repairs .


Date: November 19, 2017    Age: 30 to 39    Gender: Female    Marital Status: Married

Customer Service
Although I do not like using the website, we really do like the personal customer service we have received. This includes by telephone. Calls are returned promptly, pleasantly, and efficiently. There is a local office nearby with our agent almost always available.

American Home Shield Home Insurance Reviews

Date: October 01, 2018    Age: 30 to 39    Gender: Female    Marital Status: Married

Policy Offerings
I am covered by fire, and weather events that cause structural damage. I am also covered by issues that arise inside the home. Should something fail due to old age I can pay a $75 fee and someone is dispatched to fix it. This also includes appliances, plumbing, electrical, etc.


Date: September 15, 2018    Age: 40 to 49    Gender: Male    Marital Status: Unmarried

Premium
Other insurance companies would have charged me much more but it is still a significant amount of money to pay. The insurance company I use is exclusively for veterans so I feel special being able to use this service.

Date: August 10, 2018    Age: 20 to 29    Gender: Male    Marital Status: Married

Customer Service
Every time I have had an issue everyone was courteous, non-combative, and someone was promptly sent to correct the issue. Very pleasant customer service experiences so far.

Date: August 03, 2018    Age: Above 60    Gender: Female    Marital Status: Unmarried

Communication
Any time I have spoken with someone on the phone they were very warm and friendly. The people that have been sent to work on my home, while not professionally trained in customer service specifically, were always friendly and got straight to work. Awesome company!

Date: August 01, 2018    Age: Above 60    Gender: Male    Marital Status: Married

Website/App
It is easily accessible and has the information I am looking for whenever I have an issue or am curious about something related to my policy. Easy to navigate and intuitive in design.

USAA Home Insurance Reviews

Date: June 05, 2019    Age: 50 to 59    Gender: Married    Marital Status: Male

Premium
I am satisfied with the premium that we pay. I do not feel that it is too high. We did compare this to other insurances,when we factored in the benefits which includes factors other than price.

Date: January 27, 2019    Age: 30 to 39    Gender: Female    Marital Status: Unmarried

Customer Service
USAA has some of the best customer service overall in my experience. When you contact them you are able to speak with someone immediately who is well trained in their job, is able to help you, and is actually pleasant to talk to.

Date: January 25, 2019    Age: 20 to 29    Gender: Female    Marital Status: Unmarried

Policy Offerings
I haven't compared to many other insurance providers, but from what others have told me, USAA is either just about average when it comes to offerings compared to others. I feel personally satisfied with all the offerings I have seen.


Farm Bureau Home Insurance Reviews

Date: January 02, 2019    Age: 30 to 39    Gender: Female    Marital Status: Married

Premium
Again, I have had no need to explore other companies rates when it comes to premium and deductible. I feel that what I pay and what I receive are very fair in price.

Date: December 21, 2018    Age: 20 to 29    Gender: Female    Marital Status: Married

Policy Offerings
Due to the type of home, my offerings are high, but it fully encompasses my needs and my mortgage companies needs.


Progressive Home Insurance Reviews

Date: July 29, 2019    Age: 20 to 29    Gender: Female    Marital Status: Unmarried

Premium
I am totally satisfied with the premium. Higher premium and lowest going rate I can find. Compared to Allstate when I received a quote with lowest premium and the rate was still $2000 more then Progressive

Allied Insurance Home Insurance Reviews

Date: November 18, 2018    Age: 30 to 39    Gender: Male    Marital Status: Married

Premium
Their rate were lower and had better deductibles from my previous one.

GEICO Home Insurance Reviews

Date: January 14, 2019    Age: 20 to 29    Gender: Male    Marital Status: Unmarried

Premium
The premium and deductible of the policy is usually better or average from what I've found as compared to other home insurance providers.

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