How much is homeowners insurance in Mesa,CO

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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

To make sure you are getting the best deal on home insurance, it is important to get quotes from multiple insurers to find the right coverage for your needs. Read this guide to know how much homeowners insurance cost per month in Mesa, home insurance cost for different dwelling coverage, also know which companies offer cheap home insurance in Mesa.

In this guide, we will explain everything from what coverage options are available to which companies have the cheapest rates for homeowners 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

According to our rate analysis, 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 United States.

In Mesa, the cost of your homeowners insurance policy depends on the value of your home, location, and the coverage options you select.

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 are higher, resulting in higher 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

Based on a rate analysis conducted by Insure.com, Mesa residents pay an average of $2,796 per year to insure a home for coverage limits of $300,000 dwelling, $100,000 liability with a $1,000 deductible. If you plan to increase your dwelling coverage from $200,000 to $300,000, you must pay an additional $707 per year for home insurance.

Buying adequate insurance to cover the entire expense of rebuilding your home is best advisable. However, the amount of dwelling coverage you need may vary depending on your home’s size, amenities, 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.

State Farm ranks second, while Nationwide holds the third spot with an average annual rate of $1,858.

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	$1,711
State Farm	$1,829
Nationwide	$1,858
American Family	$2,038
Farmers	$3,143
USAA*	$3,473

Methodology

Insure.com, with the help of Quadrant Information Services, gathered data for homeowners insurance rates in Mesa for $300,000 dwelling coverage, $100,000 liability coverage with a $1,000 deductible. The data presented are those with a good credit tier alignment.