Mesa, a bustling suburb of Phoenix, is one of Arizona’s fastest-growing cities. Known for its hot summers and desert climate, homeowners in Mesa need comprehensive home insurance to protect against extreme weather events and other risks.
The national average for home insurance is $1,400 per year, but Mesa homeowners pay an average of $1,250 per year, benefiting from fewer severe weather risks compared to other parts of the country.
| Home Age | Average Annual Premium |
|---|---|
| 0-10 years | $1,200 |
| 10-20 years | $1,250 |
| 20-30 years | $1,300 |
| 30+ years | $1,400 |
Older homes in Mesa are more expensive to insure, as they may have outdated systems that pose a higher risk for damage. Conversely, newer homes are built to withstand local weather conditions, which lowers their insurance premiums.
Your credit score can significantly affect your homeowners insurance premium in Mesa.
Poor Credit (Below 650): $1,550/year
Excellent Credit (750+): $1,100/year
Good Credit (700-749): $1,200/year
Fair Credit (650-699): $1,300/year
Here’s a list of the cheapest home insurance providers in Mesa, along with their average annual premiums:
These companies offer competitive rates and are among the most trusted home insurance providers in Arizona. Make sure to get personalized quotes, as premiums can vary based on your home’s specific features, age, and other factors.
Your deductible amount can greatly influence your annual home insurance premium. The higher the deductible, the lower your monthly or yearly payments will be. Here’s an overview of how different deductibles affect home insurance rates in Mesa:
Choosing a higher deductible can reduce your premium, but make sure you have enough savings to cover the higher out-of-pocket cost in case of a claim.
There are several types of homeowners insurance policies available in Mesa, each tailored to meet different needs:
Mesa homeowners benefit from competitive home insurance rates, especially for newer homes. By comparing quotes from different providers, adjusting your deductible, and considering your credit score, you can find the most affordable and comprehensive coverage for your home.
