Home Home insurance Average home insurance cost Colorado Mesa, CO How much is homeowners insurance in Mesa, CO Homeowners insurance typically costs $2,796 annually in Mesa, according to Insure.com’s rate analysis. View Carriers Please enter valid zip Compare top carriers in your area Written by Shivani Gite Shivani Gite 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. | Reviewed by Nupur Gambhir Nupur Gambhir Nupur Gambhir is an insurance expert and managing editor of Insure.com. She specializes in life and health insurance content, and has experience as a marketing consultant. | Updated on: March 24, 2025 Why you can trust Insure.com Quality Verified At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry. 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. Key Takeaways The average cost of homeowners insurance in Mesa is $2,796 per year.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 just have to pay $707 more a year for home insurance. 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. Home insurance company Annual rate Allstate$1,711State Farm$1,829Nationwide$1,858American Family$2,038Farmers$3,143USAA*$3,473 TIPBundling your home insurance with other policies, such as auto insurance, can result in substantial savings. Many insurers offer discounts to policyholders who combine multiple policies. It will help you lower your premiums and simplify policy management. Common natural disasters in Colorado that may affect home insuranceNatural 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 disastersHome 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. How much is home insurance in other cities?ArvadaColorado SpringsShivani GiteContributing 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. In case you missed it What is HO-6 condo insurance and how much does it cost? Average homeowners insurance cost by ZIP code in 2025 What is dwelling coverage and how much do you need? Personal liability insurance: What it is and why you need it Hurricanes and home insurance: How hurricane insurance works How replacement cost coverage works when you file a claim How much do claims increase home insurance rates? Mobile home insurance cost and coverage in 2025 Homeowners insurance basics Home Insurance Advisor Cheapest homeowners insurance in 2025 How much flood insurance do I need? How to bundle home and auto insurance policies to save money The largest home insurance companies by market share Home insurance discounts for cheaper rates How much does dog liability insurance cost and do you need it? Do you have an emergency go-bag? Most Americans don’t 1/1 Related Articles Do I have to pay homeowners insurance through escrow? By Kat Tretina Cost of living calculator By Nupur Gambhir $400K home insurance cost calculator By Zack Sigel Hurricane season is here: What to know to protect your home By Maryalene LaPonsie Cost of living comparison by state By Chris Kissell Renters insurance calculator: How much renters insurance costs by state and city in 2025 By Shivani Gite On this page How much is homeowners insurance in Mesa per month How much is homeowners insurance for a $200,000 house in Mesa How much is homeowners insurance for a $300,000 house in Mesa How much is homeowners insurance in Mesa by companyCommon natural disasters in Colorado that may affect home insuranceHow home insurance protects you against natural disasters Methodology ZIP Code Please enter valid ZIP See rates (844)-761-9316