Average homeowners insurance cost in Chandler, Arizona

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In Chandler, homeowners pay an average annual rate of $2,483 (for the coverage level of $300,000 for dwelling, $100,000 for liability protection, and $1,000 deductible). It’s $99 less than the national average of $2,582 .

Homeowners insurance rates change from one home to another. The home insurance premium in Chandler depends on various factors, such as:

The size of your home
The age of your home
The amount of coverage you need
Where you live
Your credit score

To ensure you secure the best homeowners insurance policy, compare quotes from multiple insurers. This will enable you to find the coverage that aligns with your specific requirements.

Read this guide to learn how much homeowners insurance costs monthly in Chandler, what home insurance costs for different dwelling coverage, and which companies offer cheap home insurance in Chandler.

Key Takeaways

In Chandler, homeowners insurance costs $2,483 annually.
State Farm offers the most affordable homeowners insurance in Chandler with an average annual premium of $1,643 .
If you increase your dwelling coverage from $200,000 to $300,000, your annual home insurance premium will be $577 higher.

Average homeowners insurance cost in Chandler per month

Chandler homeowners pay an average of $207 a month. It’s just $1 more than the state average of $206 and $8 less than the national average for home insurance across the nation. The price of your homeowners insurance policy in Chandler may vary depending on where you live, the value of your home, and the coverage you choose.

Average homeowners insurance cost for a $200,000 house

Homeowners insurance with $200,000 in dwelling coverage and $100,000 in liability protection costs about $1,906 per year in Chandler. Your rate can vary based on a number of factors, especially the risk of natural disasters in your area. Places more prone to floods, hurricanes, or tornadoes often face higher rebuilding costs, which leads to higher insurance premiums.

It is important to note that your insurance plan may not cover flood or hurricane damage. So, if you live in an area prone to flooding, consider buying flood insurance coverage.

Average homeowners insurance cost for a $300,000 house

Chandler residents pay an average of $2,483 per year to insure a home for coverage limits of $300,000 dwelling, $100,000 liability with a $1,000 deductible. To increase your dwelling coverage from $200,000 to $300,000, you’ll pay an additional $577 per year.

The smartest approach is to carry enough insurance to cover the full cost of rebuilding your home.

Average homeowners insurance cost in Chandler by company

Among the carriers we analyzed, State Farm is the most affordable homeowners insurance company in Chandler. Its average annual rate for homeowners in Chandler is $1,643 , while American Family ranks second.

Research on the company is essential before selecting a homeowners insurance policy. Insure.com has thoroughly examined all insurance companies operating in Chandler and compiled a list of the most affordable home insurance companies.

Below are details of Chandler home insurance companies and their average annual premiums.

Home Insurance Company	Annual rate
State Farm	$1,643
American Family	$1,763
Nationwide	$1,788
Farmers	$3,153
Travelers	$5,921
Allstate	$1,862
USAA*	$2,014

*USAA is only available to military community members and their families.

Combining your home insurance with other policies, like auto insurance, can result in significant savings. Insurers often provide discounts to policyholders who bundle their policies, helping you reduce premiums. Bundling lowers your premiums and simplifies managing your insurance with one company.

Natural disasters in Arizona that can impact your home insurance

Natural disasters are a part of life in Arizona, often leading to expensive insurance claims. That’s why it’s so important to understand which disasters are most likely in your area before choosing a home insurance policy.

When you’re aware of the specific risks in your region, you can tailor your coverage to match – whether that means increasing your policy limits, choosing a deductible you’re comfortable with, or adding extra protection for uncovered events. Taking these steps now can help you avoid being underinsured and give you more financial security if a natural disaster hits your area.

Arizona is commonly affected by Drought, Heat wave and Wildfire.

How home insurance protects you against natural disasters

If your home is hit by a covered event, your insurance can help pay for repairs, replace your belongings, and even cover temporary housing if you can’t live in your home. Having the right coverage in place can make it a lot easier to get back on your feet after a disaster.

That said, not everything is automatically included. While most standard policies cover things like wind, hail, and lightning, you’ll usually need extra coverage for disasters like floods, earthquakes, or wildfires. It’s worth taking the time to understand exactly what your policy includes so there are no surprises when you need it most.

Keep in mind: Standard policies may not cover everything

While homeowners insurance typically protects against common hazards, some natural disasters – like floods and earthquakes – require separate policies. Don’t assume you’re fully covered. Check your policy details and consider endorsements or supplemental coverage if you live in a high-risk area.

Methodology

Insure.com, with the help of Quadrant Information Services, gathered data for homeowners insurance rates in Chandler for $300,000 dwelling coverage, $100,000 liability coverage with a $1,000 deductible. The data presented are those with a good credit tier alignment.

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Shivani Gite

Contributing Writer

Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions.