Average homeowners insurance cost in Chandler, AZ

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As per Insure.com’s rate data analysis, the average cost of homeowners insurance in Chandler is $2,483 per year (for the coverage level of $300,000 for dwelling, $100,000 for liability protection and $1000 deductible), It’s $99 less than the national average of $2,582.

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

Size of your home
Age of your home
Amount of coverage you need
Location
Your credit score

State Farm is the cheapest homeowners insurance company in Chandler with an average annual premium of $2,483 per year.

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

Key takeaways

The average cost of homeowners insurance in Chandler is $2,483 per year.
State Farm is the cheapest homeowners insurance company in Chandler with an average annual premium of $1,643.
If you increase your dwelling coverage from $200,000 to $300,000, you will just have to pay $577 more a year for home insurance.

Average homeowners insurance cost in Chandler per month

Residents of Chandler pay an average of $207 a month for homeowners insurance, as per Insure.com’s rate analysis. It’s $1 more than the state average of $206 and $8 less than the national average for home insurance across the United States.

The cost of your homeowners insurance policy in Chandler may change based on location, property value, and selected coverage options.

Average homeowners insurance cost for a $200,000 house in Chandler

In Chandler, AZ, homeowners pay an average of $1,906 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.

Average homeowners insurance cost for a $300,000 house in Chandler

As per rate analysis by Insure.com, homeowners residing in Chandler typically pay an average of $2,483 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 $577 if you increase your dwelling coverage from $200,000 to $300,000. It is advisable to buy enough insurance sufficient 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.

Average homeowners insurance cost in Chandler by company

Among the carriers analyzed, State Farm is the most affordable homeowners insurance company in Chandler. It’s average annual rate for homeowners in Chandler is $1,643.

American Family, ranks second and Nationwide makes it to the third spot with an average annual home insurance rate of $1,788.

Research on the company is essential before selecting a homeowners insurance policy. Insure.com has thoroughly examined all insurance companies operating in Chandler and compiled a list of the most affordable home insurance companies.

Below are details of Chandler home insurance companies and their average annual premiums.

Home Insurance Company	Annual rate
State Farm	$1,643
American Family	$1,763
Nationwide	$1,788
Farmers	$3,153
Travelers	$5,921
Allstate	$1,862
USAA*	$2,014

Methodology

Insure.com, with the help of Quadrant Information Services, gathered data for homeowners insurance rates in Chandler 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.