Mesa Homeowners Insurance

Your Complete Guide to Mesa, AZ Homeowners Insurance

(How to find a reliable home insurance policy at an affordable price.)

Residents of Mesa, AZ need high-quality homeowners insurance to help protect their investment. If you own a home in Mesa, you'll benefit from talking with an independent insurance agent 

An independent agent can help you decide how much coverage you need and which types of home insurance policies may benefit you most. Find an insurance agent near you and start comparing customized quotes from multiple companies right away. 

How Much Does Homeowners Insurance Cost in Mesa, AZ?

You can expect to pay slightly less for home insurance in Mesa than the national average, but it's more expensive to insure your home in Mesa than Arizona's average. 

  • National average yearly premium: $1,173
  • Arizona average yearly premium: $810
  • Mesa, AZ average yearly premium: $1,079

Actual costs vary widely and depend on a number of factors. Averages are useful reference points, but your individual insurance rates depend on these factors: 

  • The age, value, and size of your house
  • The type of home you insure
  • Whether your home has a basement
  • Your zip code and crime rate
  • Weather statistics for Mesa
  • Your credit score
  • Your claims history
  • Whether you bundle home and auto coverage

The best way to know if you are getting a fair rate is to compare multiple quotes. A Mesa independent insurance agent can help you understand your home insurance options and get the best possible rates.

Does Mesa Homeowners Insurance Cover against Catastrophic Events?

A home insurance policy covers you for many common hazards faced by Mesa property owners. This includes catastrophes like fires and severe storms. Make sure you have enough coverage for the contents of your home to replace damaged items. 

Catastrophic Events in Arizona

  • Number of federally declared disasters in Arizona: 63
  • Most common reasons for disasters in AZ: Fire
  • Average number of tornadoes per year in Arizona: 4.6
  • 550,629,000 insured homes have a claim each year.

Residents of Mesa are most at risk for damage caused by fire. This type of hazard is included in your homeowners insurance policy. 

Flood damage isn't typically covered with a home insurance policy. If you have concerns about flooding, talk with your agent about supplementing your policy with coverage through the National Flood Insurance Program (NFIP).

Why Do Mesa Homeowners Need Liability Insurance?

Liability insurance is an important part of a homeowners insurance policy. Without it, you'll be vulnerable to lawsuits for a number of incidents that may be beyond your control. 

Homeowners liability insurance covers various problems, including: 

  • A visitor trips over your rug and breaks their arm
  • A child playing in your backyard falls and requires medical attention
  • Your dog bites someone walking their dog
  • You are sued because of something you posted online about a local business

Your agent can explain how homeowners liability insurance can protect Mesa residents. If you want higher liability limits, your agent can help you secure an umbrella policy to boost your coverage. 

Does Mesa Homeowners Insurance Cover against Burglaries?

The burglary rate in Arizona is higher than the national average, but it's much lower in Mesa.

  • Number of burglaries per 1,000 homes in the US: 4.69
  • Number of burglaries per 1,000 homes in Arizona: 5.44
  • Number of burglaries per 1,000 homes in Mesa: 2.23

Property crime can be expensive and stressful. Your homeowners insurance policy may cover stolen items as well as property damage. 

A home security system can help protect your property and it may also reduce your homeowners insurance premiums. Your agent can help you understand how to qualify for any available premium discounts. 

What about Second Home and Vacation Home Insurance in Mesa, AZ?

Many Mesa residents own a second home or vacation house. If you are among them, you'll need insurance for those residences, as well. 

Your second home or vacation home may have special risks that you don't face with your primary residence. There are special insurance policies that address these risks. 

Vacation homes may be unoccupied for long periods of time. Vacant home insurance can help protect you. 

Second homes occupied by tenants or operated as vacation rentals may be at greater risk for property damage. Landlord insurance may be necessary. 

Your agent will walk you through your options and help you design coverage to meet the needs of your secondary residence. 

Why Work with an Independent Insurance Agent in Mesa, AZ?

Finding the right homeowners policy is easy when you have an independent insurance agent on your side. They can get multiple quotes from insurance companies so you can find the coverage you need at a price that fits into your budget. 

Contact an insurance agent in Mesa today to start comparing your custom home insurance quotes, today. 

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