Average homeowners insurance cost in Mesa, Arizona

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The average cost of homeowners insurance in Mesa is $2,642 per year (for the coverage level of $300,000 for dwelling, $100,000 for liability protection and $1000 deductible), based on Insure.com’s rate data analysis. It’s $60 more than the national average of $2,582 .

However, homeowners insurance rates can vary drastically from one home to another. Home insurance rates in Mesa depend on a number of factors, including:

Size of your home
Age of your home
Amount of coverage you need
Location
Your credit score

It’s crucial to compare quotes from multiple insurers to ensure you get the best homeowners insurance policy. This allows you to find the coverage that meets your specific needs.

Read our guide to discover the monthly homeowners insurance cost in Mesa, explore the insurance costs for different dwelling coverage, and find out which companies offer affordable home insurance in Mesa.

Key Takeaways

Homeowners insurance costs $2,642 per year in Mesa.
At $1,596 per year, State Farm offers the cheapest homeowners insurance in Mesa.
Your home insurance rates increase by $617 more annually if you increase your dwelling coverage from $200,000 to $300,000.

Average homeowners insurance cost in Mesa per month

Mesa homeowners pay an average of $220 a month. It’s $14 more than the state average of $206 and $5 more than the national average for home insurance across the nation. The price of your homeowners insurance policy in Mesa 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 in Mesa

The average cost of homeowners insurance in Mesa, AZ is $2,025 annually for the dwelling coverage of $200,000 and the liability protection of $100,000. The cost of your home insurance each year depends on several factors – including the risk of natural disasters in your area. If your city is prone to events like hurricanes, wildfires, or floods, you’ll likely pay more for coverage.

Some places are more prone to natural disasters, like floods, hurricanes, or tornadoes. That makes rebuilding after a major event more expensive, which is why home insurance tends to cost more in those areas. And keep in mind, your standard policy probably doesn’t cover flood or hurricane damage. If you live in a high-risk zone, it’s definitely worth looking into separate flood insurance for extra protection.

Average homeowners insurance cost for a $300,000 house

As per rate analysis by Insure.com, homeowners residing in Mesa typically pay an average of $2,642 annually to insure a home for coverage limits of $300,000 dwelling, $100,000 liability protection with a $1,000 deductible.

Your home insurance rates will be increased by $617 if you increase your dwelling coverage from $200,000 to $300,000. It is advisable to buy enough insurance to cover the entire cost of rebuilding your home. However, the amount of dwelling coverage you need may vary depending on the size of your home, the features in your home, and the cost of living in your area.

Average homeowners insurance cost in Mesa by company

Among the carriers we analyzed, State Farm is the most affordable homeowners insurance company in Mesa. Its average annual rate for homeowners in Mesa is $1,596 , 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 Mesa and compiled a list of the most affordable home insurance companies.

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

Home Insurance Company	Annual rate
State Farm	$1,596
American Family	$1,819
Allstate	$2,070
Farmers	$3,339
Travelers	$6,178
Nationwide	$1,869
USAA*	$2,233

*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

Home insurance is an essential safeguard for your financial well-being, offering protection if you’re affected by a natural disaster. Natural disasters can lead to costly damage, but the right policy can help cover the cost of repairs, sparing you from major out-of-pocket costs. In many cases, home insurance also pays for temporary living expenses if you can’t live in your home.

However, not all natural disasters are covered under a standard home insurance policy. For example, flood and earthquake damage are excluded and require separate coverage. That’s why it’s so important to understand the specific natural disaster risks in your area. By doing so, you can choose a policy that truly protects your home – and your finances – from the threats that are most likely to affect you.

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 Mesa for $300,000 dwelling coverage and $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.