The Cheapest and Best Homeowners Insurance in Glendale
The Cheapest Home Insurance Companies in Glendale
Since most home insurance companies in Glendale offer the same core coverages, price becomes a significant consideration while evaluating offerings from different providers.
For a policy with $250,000 in dwelling coverage, the cheapest home insurance companies in Glendale are:
- ASI: $1,013 per year
- USAA: $1,066 per year (only available to current and former military members and their families)
However, the cheapest options can depend on how much coverage you choose to purchase. For instance, in policies for expensive homes, those with dwelling coverage limits of $2,000,000, the two cheapest home insurance companies in Glendale are:
- USAA: $3,481 per year (only available to current and former military members and their families)
- American Family: $4,744 per year
The dwelling coverage limits have a significant impact on the monthly premium of your home insurance policy and certain insurers may be cheaper than others depending on the coverage level you choose. You can use the table below to see how prices change with changing dwelling coverage.
The Cheapest Home Insurance in Glendale, Ranked
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Our sample home insurance policies have an annual baseline dwelling coverage of $250,000 and personal property limits of $100,000. For policies with an increased dwelling coverage of $2,000,000, personal property limits increase to $800,000. Liability coverage remains set at $100,000 regardless of dwelling coverage limits.
The Average Cost of Homeowners Insurance in Glendale for 2021
The average cost of homeowners insurance in Glendale is $1,917 per year or around $160 per month. This is slightly lower than the statewide average for Arizona, which costs $1,982 per year. However, the national average cost of homeowners insurance is $2,103 per year.
Calculate the Cost of Home Insurance in Glendale
While location can influence the cost of your home insurance in Glendale, it is just one of many contributing factors. How much dwelling and personal property coverage you purchase and your credit standing can also affect your prices. You can use this home insurance calculator tool from MoneyGeek to compare home insurance quotes in Arizona.
Home Insurance Calculator
These are annual estimates. Get a personalized quote to determine your costs.
The Best Home Insurance Companies in Glendale
While cost can be an important factor while looking for home insurance in Glendale, you should also equally consider the quality of customer service experience. For example, you need to know that your provider will process your claim fast and objectively during a crisis. In addition, choosing a financially stable company enhances the chance of the company paying a legitimate claim.
According to MoneyGeek’s data, the companies with the best homeowners insurance in Glendale are:
- Best Overall: USAA (Only available for current and former military members and their families)
- Runner-up: Nationwide
This is based on MoneyGeek’s unique rating system that scores insurance providers based on three critical factors: affordability, customer satisfaction and financial stability.
USAA has several unique coverages and add-ons you can consider. For example, homeowners can become eligible for several attractive discounts by remaining claims-free or installing protective security equipment at home. Also, active service members are covered for a uniform loss under their policies with no applied deductible.
Our top pick for home insurance in Glendale is USAA, with excellent scores across the board and perfect customer experience and financial stability scores. It is important to note that USAA policies are only available for current and former military members and eligible family members.Read MoneyGeek's USAA home Insurance Review
In addition to standard coverage, Nationwide has several add-ons on offer. With their Better Roof Replacement add-on, your roof will be replaced if damaged with enhanced protective materials. While home insurance does not include flood insurance, Nationwide makes it easy for you to protect against flood damage by adding additional flood insurance to your policy. In addition, they also offer water backup coverage that takes care of other water-related crises.
A close second pick for home insurance in Glendale is Nationwide, with great scores across the board and a near-perfect affordability score. Nationwide offers replacement cost coverage for personal items, which means you can get replacement items of similar quality when you make a claim.Read MoneyGeek's Nationwide home Insurance Review
Cheapest Home Insurance Companies in Glendale for Newly Constructed Homes
Typically, newly constructed homes are less expensive to insure. This is because new homes use modern materials and construction techniques and are generally more resistant to damage. This results in a lower probability of a claim. Newer materials are also more easily replaceable by insurers. For example, for a newly constructed home in Glendale, the average cost is $1,367, while a house built in 2000 costs an average of $1,917 to insure.
For a homeowner with a newly built home with $250,000 dwelling coverage, the two providers with the cheapest home insurance in Glendale are:
- ASI: $722 per year
- USAA: $760 per year (only available to current and former military and eligible family members)
The Cheapest Home Insurance in Glendale for New Homes, Ranked
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Cheapest Home Insurance Companies in Glendale if You Have a Lot of Personal Property
Your home insurance policy covers any damage to your home and your personal property inside the house. The higher the amount of personal property coverage you purchase, the higher your monthly premiums. For a standard homeowners insurance policy in Glendale with personal property coverage limits of $100,000, the average cost is $1,917 per year. However, the same with a higher personal property coverage limit of $250,000 would cost $2,078 on average.
For Glendale homeowners opting for the standard $250,000 dwelling coverage but an enhanced $250,000 personal property coverage limit, the two most affordable home insurance providers are:
- ASI: $1,097 per year
- USAA: $1,155 per year (only available to current and former military and eligible families)
Cheap Companies in Glendale for Extra Personal Property Coverage
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Cheapest Home Insurance Companies in Glendale for High Deductibles
Every time your insurance provider pays a claim, you have to pay a certain amount out of pocket. This is the deductible. In Glendale, deductibles can impact insurance premium costs. Policies with higher deductibles generally have lower premiums.
For example, a policy with the usual $1,000 deductible costs $1,917 on average, while one with a $2,000 deductible has an average cost of $1,695 per year.
On average, the two companies offering the most affordable home insurance in Glendale for a $2,000 deductible policy are:
- ASI: $895 per year
- USAA: $942 per year (only available to current and former military and military families)
The Cheapest Companies in Glendale for High Deductibles, Ranked
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Cheapest Home Insurance Companies in Glendale if You Have Poor Credit
In Glendale, insurance providers take the credit scores of customers into account while calculating insurance premiums. This is because insurers find that customers with low credit scores are more likely to file claims. Therefore, your premiums will be higher if you have poor credit.
For example, a policy in Glendale costs an average of $1,917 if you have good credit standing. However, the same policy will cost $3,405 on average if you have poor credit.
If you have bad credit, the two home insurance providers in Glendale with the cheapest average premiums are:
- ASI: $1,790 per year
- Nationwide: $1,826 per year
The Cheapest Companies in Glendale for Poor Credit, Ranked
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Getting Online Homeowners Insurance Quotes in Glendale
To get an online quote for home insurance in Glendale, you will need to provide the following information:
- Personal information - You will need to share information like your address, insurance history and the number of household members.
- House details - This is information about your house, including its size, age and whether you have security and safety devices installed.
- Home replacement cost - This is the cost of rebuilding your home if it gets damaged using similar materials. This determines your dwelling coverage limits. It is best to hire a professional building contractor or an independent appraiser to get an accurate estimate.
- Personal property value - The value of your personal property will determine the personal property coverage limit included in your policy.
Homeowners Insurance in Glendale Analysis: Methodology
In this study, MoneyGeek used the base profile of an average homeowner with a 2,500 square-foot home built in 2000 with $250,000 in dwelling coverage, $100,000 in personal property coverage and $100,000 in liability coverage. All policies have a $1,000 deductible.
MoneyGeek analyzed homeowners insurance quotes from 13 companies in Glendale using data provided in partnership with Quadrant. Affordability ratings were calculated by analyzing quotes for a home with varying coverage levels while customer satisfaction ratings were sourced from J.D. Power. To ensure accurate information for various use cases, we sourced quotes from homeowners with newly built homes, increased dwelling or personal property coverage, higher deductibles and poor credit scores.
About Mark Fitzpatrick