How much is homeowners insurance in Mesa, CO

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In Mesa, homeowners pay an average annual rate of $2,796 for a coverage level that includes $300,000 for dwelling, $100,000 for liability protection, and a $1,000 deductible, according to Insure.com’s rate analysis. This is $214 more than the national average of $2,582.

Homeowners insurance premiums can vary significantly from one property to another. In Mesa, the cost of home insurance is influenced by several factors, including:

• Size of your home
• Age of your home
• Amount of coverage required
• 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 this 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.

How much is homeowners insurance in Mesa per month

Mesa homeowners pay an average of $233 a month, based on our rate analysis. It’s $108 less than the state average of $341 and $18 more than the national average for home insurance across the United States. 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

In Mesa, CO, homeowners pay an average of $2,089 annually for a $200,000 home. The annual cost of home insurance is influenced by factors such as the risk of natural disasters in your area.

Regions more susceptible to natural disasters, such as floods, hurricanes, or tornadoes, typically face higher rebuilding costs, leading to increased insurance premiums. It is important to understand that standard insurance policies might not cover damages caused by floods or hurricanes. If you live in a flood-prone area, it is advisable to purchase flood insurance.

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

According to Insure.com’s rate analysis, homeowners in Mesa typically pay an average of $2,796 annually for a home insurance policy with $300,000 in dwelling coverage, $100,000 in liability protection, and a $1,000 deductible.

If you increase your dwelling coverage from $200,000 to $300,000, your home insurance rates will rise by $707. It is advisable to purchase enough insurance to cover the entire cost of rebuilding your home. The required amount of dwelling coverage can vary based on factors such as the size of your home, its features, and the cost of living in your area.

How much is homeowners insurance in Mesa by company

Among the carriers 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. Insure.com has meticulously reviewed all insurance companies operating in Mesa and compiled a list of the most affordable options.

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

Common natural disasters in Colorado that may affect home insurance

Natural disasters can happen unexpectedly and cause serious damage to your home and belongings. It’s important to know these risks so you can make sure your home insurance covers you properly if something happens.

Avalanche and Hail are some of the common natural disasters in Colorado that could affect your home insurance costs.

How home insurance protects you against natural disasters

Home insurance plays a crucial role in protecting your home and belongings in case of natural disasters. Events such as hurricanes, floods, earthquakes and wildfires can cause significant damage, and home insurance helps by covering the costs of repairs or replacement of your property. Depending on your policy, it may also provide coverage for temporary living expenses if your home becomes uninhabitable.

In addition to physical damage, home insurance typically covers liability costs if someone is injured on your property. This added protection gives homeowners peace of mind, knowing they have financial support during difficult times.

A standard home insurance policy may not cover all-natural disasters. Review your policy carefully to ensure you’re covered for the specific risks.

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.

Shivani Gite

Contributing Writer

 

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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.

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