How much is homeowners insurance in Mesa, Colorado?

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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 $1000 deductible), based on Insure.com’s rate data analysis. It’s $214 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

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

Homeowners insurance costs $2,796 per year in Mesa.
At $1,711 per year, Allstate offers the cheapest homeowners insurance in Mesa.
Your home insurance rates increase by $707 more annually if you increase your dwelling coverage from $200,000 to $300,000.

How much is homeowners insurance in Mesa per month?

How much you pay for a homeowners insurance policy depends on the value of your home, your location, and the coverage options you select.

Homeowners in Mesa pay an average of $233 per month. It’s $108 less than the state average of $341 and $18 more than the national average for home insurance across the nation.

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

In Mesa, CO, homeowners pay an average of $2,089 annually for a $200,000 house. The amount you pay for home insurance each year depends on factors such as natural disasters or events within your locality.

Some regions are more at risk for natural disasters, like floods, hurricanes, or tornadoes, implying higher rebuilding rates in these areas, resulting in costlier insurance premiums. It’s essential to note that your insurance policy might not cover damages caused by floods or hurricanes. If you reside in an area prone to flooding, consider buying flood insurance.

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 comes with the possibility of natural disasters that can cause serious damage to your home and belongings. From costly repairs to large insurance claims, the financial impact can be significant. That’s why it’s important to know which types of disasters are most common in your area before selecting a home insurance policy.

Understanding your local risks allows you to customize your coverage – whether that means adjusting your policy limits, choosing a higher deductible, or adding protection for hazards like floods or earthquakes. Planning ahead helps ensure you’re fully covered when it matters most.

Colorado is commonly affected by Avalanche and Hail.

How home insurance protects you against natural disasters

Home insurance can provide valuable protection against the financial impact of natural disasters. Standard home insurance policies typically cover damages from fire, windstorms, hail and lightning. However, events such as floods, earthquakes or landslides are excluded and require purchasing additional policies or endorsements. For example, flood insurance must be purchased separately, as it is not typically covered by a standard home insurance policy.

Home insurance pays for home repairs, replacement belongings and temporary living expenses if your dwelling becomes uninhabitable due to damage. The protection offered by home insurance can significantly reduce the financial impact of natural disasters.

TIP

Many homeowners find out too late that their insurance doesn’t cover certain natural disasters. Be proactive – review your policy, ask your insurer about disaster-specific exclusions, and explore additional protection if you’re in a high-risk zone.

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.