How much is homeowners insurance in Mesa, Colorado?

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Our data shows that the average cost of homeowners insurance in Mesa is $2,796 per year (for the coverage level of $300,000 for dwelling, $100,000 for liability protection and $1,000 deductible). It’s $214 more than the national average of $2,582 .

Homeowners insurance rates differ significantly from one home to another. Home insurance rates in Mesa depend on several factors, including:

Size of your home
Age of your home
Amount of coverage required
Location
Your credit score

Allstate is the cheapest homeowners insurance company in Mesa with an average annual premium of $1,711 per year.

This guide covers everything from available coverage options to companies with the cheapest homeowners insurance rates in Mesa. Keep reading to learn about the monthly cost of homeowners insurance in Mesa, the cost for different dwelling coverage levels, and which companies provide the most affordable home insurance in Mesa.

Key Takeaways

The cost of your homeowners insurance policy in Mesa can vary based on factors such as your location, the value of your home, and the coverage options you select.
Allstate is the cheapest homeowners insurance company in Mesa with an average annual premium of $1,711 .
If you increase your dwelling coverage from $200,000 to $300,000, you will pay $707 more annually for home insurance.

How much is homeowners insurance in Mesa per month

Mesa homeowners pay an average of $233 a month. It’s $108 less than the state average of $341 and $18 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.

How much is homeowners insurance for a $200,000 house in Mesa

The average cost of homeowners insurance in Mesa, CO is $2,089 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.

How much is homeowners insurance for a $300,000 house in Mesa

As per rate analysis by Insure.com, homeowners residing in Mesa typically pay an average of $2,796 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 $707 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.

How much is homeowners insurance in Mesa by company

Among the carriers we analyzed, Allstate is the most affordable homeowners insurance company in Mesa, offering an average annual rate of $1,711 , while State Farm ranks second.

Researching a company thoroughly before selecting a homeowners insurance policy is essential – and we can help with that. We took a close look at all the insurance companies serving Mesa and put together a list of the most affordable ones.

Here’s a look at the top home insurance companies in Mesa and what you can expect to pay with each one on average.

Home insurance company	Annual rate
Allstate	$1,711
State Farm	$1,829
Nationwide	$1,858
American Family	$2,038
Farmers	$3,143
USAA*	$3,473

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

Many insurance companies offer discounts to customers who bundle their policies. By combining your home insurance policy with other policies, such as auto insurance, you can lower your premiums and simplify your insurance management with one provider.

Natural disasters in Colorado that can impact your home insurance

Living in Colorado means facing the risk of natural disasters that can seriously damage your home and belongings. These events can lead to expensive repairs and major 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.

Being aware of your local risks helps you choose the right level of protection, from setting appropriate coverage limits to deciding on deductibles or adding extra coverage. Taking the time to tailor your policy to those risks can help you avoid being underinsured and give you peace of mind if you’re impacted by a natural disaster.

Colorado is commonly affected by Avalanche and Hail.

How home insurance protects you against natural disasters

Home insurance protects your property and belongings from the financial impact of natural disasters. Home insurance can help pay for structural damage repairs, replace lost or damaged items, and provide funds for temporary housing if you can’t live in your home. This coverage provides financial relief, making it easier for homeowners to recover quickly from the effects of natural disasters.

While standard policies generally cover damage from windstorms, hail and lightning, additional coverage is required for disasters like floods, earthquakes and wildfires.

These types of damage are usually not covered by homeowners insurance, so homeowners need to buy separate flood or earthquake insurance to ensure complete protection.

TIP

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 $1000 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.