The Best Cheap Homeowners Insurance in Mesa, Arizona for 2024: Quotes and Reviews

When comparing quotes from different companies, you will notice that the majority of them have similar core coverages. Cost is an important aspect to consider when selecting a home insurance policy in Mesa.

For a home insurance policy with $250,000 dwelling coverage, the two cheapest home insurance companies in Mesa are:

• ASI: $981 per year
• Nationwide: $1,064 per year

The cheapest insurance providers for expensive homes covered by a $2 million dwelling coverage are:

• USAA: $3,515 per year (only serving current and former military members and their families)
• American Family: $4,816 per year

The dwelling coverage limits you choose also help determine your home insurance rates. Check out the table below to see how changing your dwelling coverage limit affects your insurance rates.

The insurance plans considered for the study have an initial baseline dwelling coverage of $250,000 and personal property coverage of $100,000. The personal property limit increases to $800,000 for plans with a $2 million dwelling coverage limit. Regardless of the dwelling coverage amounts, the liability limit on all policies is $100,000. You can also compare statewide home insurance rates with various companies if you live in another part of Arizona.

Home insurance in Mesa costs an average of $1,944 per year or $162 per month. This is lower than Arizona's yearly state average of $1,982 and the national average of $2,103.

While your location impacts the cost of your home insurance policy, other factors, such as the amount of dwelling and personal property coverage you buy and your credit score, also play a role. MoneyGeek's home insurance calculator will assist you in comparing rates from various Arizona insurers.

When it comes to choosing a homeowners insurance company in Mesa, price is a critical factor. But you should also consider the customer service experience and financial stability ratings of the companies you’re comparing. Since you're more likely to file a claim during a difficult period, a financially secure insurer will be able to cover your valid claim reasonably and quickly, providing you with peace of mind.

According to a MoneyGeek analysis, the best home insurance companies in Mesa are:

• Best Overall: USAA (only serving current and former military members and their families)
• Runner-up: Nationwide

MoneyGeek ranked the best homeowners insurance companies in Mesa based on customer satisfaction, affordability and financial stability.

In Mesa, newly built homes are significantly less expensive to insure than older homes. Since they are constructed from new and modern materials, new homes are more resistant to damages. Since those who own new homes are less likely to file claims, and because it is easier to replace newer products, insurers provide them with lower-cost home insurance.

The average cost of home insurance in Mesa for a newly constructed home is $1,252 per year, compared to $1,944 for a home built in 2000.

The following are the two cheapest homeowners insurance providers in Mesa that have $250,000 in dwelling coverage for newly built homes:

• ASI: $533 per year
• Nationwide: $638 per year

The home insurance policy you purchase will cover both your home’s structure and the personal property you want to insure. The more personal property you insure, the higher the premium. A standard home insurance policy with personal property limits of $250,000 will cost Mesa residents an average of $2,151 per year. A $100,000 personal property coverage limit, on the other hand, will cost you $1,944 per year on average.

For homes with a $250,000 dwelling coverage and high personal property limits, the two cheapest home insurance providers in Mesa are:

• USAA: $1,110 per year (only for military personnel and their families)
• ASI: $1,115 per year

The deductible on your homeowners insurance policy is the amount of money you must spend out of pocket before your insurer will pay your claim. The policy deductible also helps determine the cost of your homeowners insurance premium. The insurance premium will be lower if you choose a higher deductible.

A home insurance policy with a $2,000 deductible costs $1,704 on average in Mesa, while a policy with a $1,000 deductible costs $1,944, a difference of $240.

For homes with a $2,000 deductible in their insurance policies, the following two companies provide the cheapest homeowners insurance in Mesa:

• ASI: $836 per year
• USAA: $910 per year (only serving current and former military members and their families)

To calculate the insurance quotes for your home, insurance companies in Mesa also consider your credit score. An individual with a low credit score is considered highly likely to file a claim.

If you have a poor credit history, a standard home insurance policy in Mesa would cost you an average of $3,420 per year. On the other hand, those with good credit will pay $1,296 less per year for the same policy, at $1,944.

The following are the most affordable homeowners insurance providers in Mesa for those with a poor credit rating:

• ASI: $1,723 per year
• Nationwide: $1,768 per year

To obtain online home insurance quotes in Mesa, homeowners must provide a few specifics, including the items mentioned below.

• Home replacement cost: This is an estimation of the cost of returning your home to its best state after being damaged by a covered peril. Insurers also use this estimate to evaluate the dwelling coverage for your home insurance policy.
• Personal property value: The value of the personal possessions you want to insure determines the personal property coverage limit for your home insurance policy.
• Personal information: To receive online home insurance quotes, you must provide personal information, such as your home address, insurance claim history, credit score and the number of people residing in your home.
• Home details: To present you with a more accurate home insurance quote, insurers will need to know the age of your home, its size and any built-in safety features, among other items.

MoneyGeek used Quadrant data to perform this analysis on 13 insurance companies from Mesa. For the affordability ratings, we considered a home with varying amounts of coverage. We also used J.D. Power's surveys to determine each company's level of customer satisfaction.

The baseline profile was an average homeowner with a 2,500-square-foot home built in 2000. The home was insured for $250,000 in dwelling coverage, $100,000 in personal property coverage and $100,000 in liability coverage. Regardless of coverage level, all plans under consideration had a $1,000 deductible.

Profiles of homeowners with newly built houses, higher deductibles, poor credit and increased dwelling or personal property coverage were also used.