Homeowners Insurance coverage in 85255

If you are a homeowner in 85255 or Scottsdale, AZ you can now easily shop for homeowners insurance from the comfort of your own home. Check out GetHomeInsuranceQuotes.com and we will provide you with up to 12 insurance rate quotes from a variety of national insurance companies, making sure that you get the best premium quotes in Scottsdale.

Our service is always free so join the thousands of homeowners who have shopped for coverage, compared a variety of quotes and purchased a great policy using our site. Enter your zip code now and start shopping for a brand new homeowners policy.

Compare rates and find the best homeowners policy in 85255.

Learn more about our homeowners insurance shopping service by selecting the best Scottsdale, AZ Home Insurance Quotes Online.

What is the Average Home Insurance Rates in 85255?

Residents of Scottsdale have found that shopping online for homeowners insurance coverage saves them not only time but money as well. So what is the average rate for homeowners insurance in Arizona? While Arizona is not the cheapest state in the country when it comes to homeowners insurance, it does rank fairly well. According to industry data, Arizona comes in at 46 in the country for homeowners insurance premiums.

If you are living in 85255 zipcode, expect to pay around $685 for homeowners coverage compared to the national average of $1,249. It’s important to remember that these figures are averages and your own premium may be higher or lower depending on your personal factors.

Average rates listed here are based on a standard homeowners insurance policy, which protects your home, personal possessions, liability protection, loss of use and even medical payments. As with most standard homeowner insurance policies, coverage in Scottsdale does not offer protection against flood damage. If you live within a flood zone, a separate flood insurance policy may be required.

Get started now and our agents will help you determine what coverages your need and the ideal coverage levels for your particular situation.

Average Building Cost Per Square Foot in 85255: $161

Average Square Footage in 85255: 4,565 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 85255 before you start any project. Scottsdale homeowners pay on average around $161 per square foot to build a home. Another great reason to know the average cost to build is for your homeowners insurance policy. A standard homeowners policy will help you cover the replacement cost of your home due a fire or any other named perils on your policy. Calculating your dwelling coverage for your home in 85255 is extremely helpful when estimating how much replacement cost coverage you need. We highly recommend that you have enough dwelling coverage to rebuild your home if it was destroyed by a covered peril.

Here is how you determine your replacement cost. If we take an average home in 85255 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 4,565 sq. ft. and the average cost to rebuild the home in this area is around $161 per square foot would be considered a base estimate cost. These two numbers would allow us to generate the replacement cost needed for an average size home in the Scottsdale area. If the home is new or has been upgraded, you will want to add $50 to $100 or more per square foot to equally cover the replacement cost to restore a home back to it's original condition.

It's important to understand that when you estimate your replacement cost of your home in the 85255 zip code area, it will be the cost to replace the structure of your home, not the additional value of the property that is factored in when purchasing a new home.

Allstate Insurance - Tika Pratap Thapa

Allstate Insurance - Frank M Schubert

Lloyd S Chambers Ins Agcy Inc - State Farm Insurance Agent

Mueller- Jeremy R

Michael G Bucca Ins Agcy Inc - State Farm Insurance Agent

Allstate Insurance Companies

Newman- Eric R - State Farm Insurance Agent

Household Data for 85255

The average number of homes in 85255 is around 19,556, there are an average of 2.28 per household. The average house value according to local real estate values is around $734,900. Please review the following demographics below for average income and media age.

• Largest Insurer in California – Travelers Announces Home Insurance Rates Going Up 15% Posted on Monday 20th May, 2024

  Travelers Insurance, which is one of the largest insurers in California, recently announced that they will be raising premiums by an average of 15% in the Golden State. This is just the latest rate increase or policy limitation by major insurance companies who blame the increases on spreading wildfire risks, inflation, and the cost of […]

• Should I raise my deductible to $10,000 to help offset the cost of rising premiums? Posted on Wednesday 15th May, 2024

  According to industry reports, homeowners are raising their deductibles to $5,000 to $10,000 to help offset the cost of rising premiums.  While raising a deductible into the stratosphere will absolutely lower your homeowner insurance premium, it does mean that you will have to cover your deductible amount in the event you have to make a […]

• Should I choose the minimum or maximum homeowners insurance coverage? Posted on Monday 13th May, 2024

  As homeowner insurance rates rise across the country, some homeowners are opting for policies that offer minimal coverage to keep their premiums affordable. Unfortunately, this choice will leave them at higher risk and in a position where they may have to pay more out of pocket if they have to make a claim on their […]