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Home Insurance Rates in 85286

For homeowners shopping online in 85286, our insurance rates are very competitive for homeowners living in Chandler, AZ. Many homeowners based out of the great city of Chandler have found it very easy to shop with GetHomeInsuranceQuotes.com. The reason is because we clearly showcase the carriers that we will shop for you. Plus, our home insurance quotes are free and our Arizona licensed agents can provide a free consultation service to you that allows you to ask questions about which rates and coverage options are best suited for you and your family. To get free home insurance quotes in 85286, simply click the "Get Multiple Quotes Now" button. Your 85286 should appear in the zip code field ready to go. We only need some basic home information to start running multiple quotes for you. Chandler, AZ Home Insurance Rate Quotes are available for you, we easily review and compare multiple coverage and rate options.

85286 Home Insurance Rating is: Very Low!

If you live in 85286, you can easily save up to 40% off the average home insurance premium of $575 a year by letting us help you compare the best rate and coverage option for your home. We can compare up to 12 major top rated home insurance companies all at once. We also will do a professional analysis to determine which coverage is best suited to cover the risk that you need. Home insurance in Chandler can come in a variety of different packages, it's important to understand which homeowners policy is best. Let us help you compare home insurance rates in 85286 today!

Get Multiple Home Insurance Rates in 85286!

85286 Home Insurance Average Premiums

Local 85286 homeowners insurance quotes comparison

$325 /yr.

Shows Zip Code: 85286 lowest rates with discounts applied on average.

For the 85286, homeowners insurance rates may vary on deductible, coverage amount and property details. Below is a list of the averages based on the cost of an annual home insurance premium.

Coverage Amount:Annual Premium
1800 sq. ft. or below
(discounts applied)
$325 /yr.
Average Coverage:$575 /yr.
2600 sq. ft. or higher
(all discounts applied)
$875 /yr.

What is the average home insurance cost for a home in 85286?

  • • The average homeowners insurance premium paid annually for a home in 85286 is around $575 per year.

What does it cost on average per month for home insurance in 85286?

  • • Homeowners in 85286 pay a monthly average cost per month around $48.00.

What kind of discount could I get if I combine my home and auto insurance together in 85286?

  • • Autoowners in 85286 can receive a 20% to 25% discount if they own a home and would like to group or bundle their car and home insurance together with one insurance company.

For shopping home insurance rates within the Chandler area, check out other zip codes nearby 85286.
Review average rates in another zip code:
85249 homeowners insurance rates
85226 homeowners insurance rates
85286 homeowners insurance rates
85225 homeowners insurance rates
85224 homeowners insurance rates
85248 homeowners insurance rates

Home Replacement Cost Coverage in 85286

Average Building Cost Per Square Foot in 85286: $161

Location: Chandler, Arizona (Maricopa County)

Average Square Footage in 85286: 2,557 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 85286 before you start any project. Chandler 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 85286 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 85286 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 2,557 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 Chandler 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.

Home Improvement StatusPrice per Sq. Ft.Square FeetDwelling Coverage
Basic Home Features$1612,557$411,600
Additional Upgrades & Added Features$2012,557$514,500
Major Home Updates or Advancements$2422,557$617,400

It's important to understand that when you estimate your replacement cost of your home in the 85286 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.

Best Homeowners Insurance Agencies in 85286

Best Home & Auto Insurance Agencies in 85286

Morsch- Roger Dean

Address: 2040 S Alma School Rd, #19 Chandler, AZ 85286
Phone:
Website:
Info:

Kenneth Dan Snyder Agency - Nationwide Insurance

Address: 1005 S Arizona Ave, #7 Chandler, AZ 85286
Phone:
Website: http://www.phoenix.citysearch.com/profile/external/43204655/chandler_az/kenneth_dan_snyder_agency_nationwide_insurance.html
Info:

Housing Demographics for 85286

Population Review for 85286 Zip Code

For the city of Chandler, the population within 85286 has increased to over 54,493 residents in population size. The current population total is 49,407. We have broken down the population based on race below. In 85286, there are over 24418 in male population and 24989 females.

PopulationValues
Total Population49,407
White Population28030
Black Population2995
Hispanic Population8587
Asian Population8786
Hawaiian Population103
Indian Population599
Other Population2611
Male Population24418
Female Population24989
Population Estimate54493

Household Data for 85286

The average number of homes in 85286 is around 16,887, there are an average of 2.92 per household. The average house value according to local real estate values is around $411,600. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode16,887
Persons Per Household2.92
Average House Value$411,600
Income Per Household$106053
Median Age36.0
Median Age Male35.4
Median Age Female36.5
85286 DetailsValues
StateAZ
State Full NameArizona
City TypeP
City Alias Abbreviation
Area Code480/520
CityChandler
City Alias NameCHANDLER
CountyMaricopa
County FIPS013
State FIPS04
Time Zone7
Day Light SavingN
MSA6200
PMSA
CSA429
CBSA38060
CBSA_DIV
CBSA_TypeMetro
CBSA_NamePhoenix-Mesa-Chandler, AZ
MSA_NamePhoenix-Mesa, AZ MSA
PMSA_Name
RegionWest
DivisionMountain
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses1145
Number Of Employees25904
Business First Quarter Payroll445014
Business Annual Payroll1672795
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population4192887
CBSA Division Population0
Congressional District04|05
Congressional LandArea33199.45|293.47
Delivery Residential18662
Delivery Business763
Delivery Total19306
Preferred Last Line KeyZ10433
Classification Code
Multi-County
CSA NamePhoenix-Mesa, AZ
CBSA_DIV_Name
City State KeyZ10433
Land Area15.910000
Water Area0.012000
City Alias Code
City Mixed CaseChandler
City Alias Mixed CaseChandler
Box Count0
SFDU370
MFDU10666
State ANSI04
County ANSI013
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number031480
Unique ZIP Name
SSA State County Code03060
Medicare CBSA Code38060
Medicare CBSA NamePhoenix-Mesa-Chandler, AZ
Medicare CBSA TypeMetro
Market Rating Area ID4
County Mixed CaseMaricopa

Arizona Homeowners Insurance News & Information

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    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 […]

  • Texas is Seeing Major Increases in the Cost of Homeowners Insurance Posted on Tuesday 7th May, 2024

    Like much of the rest of the country, Texas is seeing major increases in the cost of homeowners insurance. According to an article in Austin American-Stateman, residents of Texas have seen their insurance rates go up 50.9% on average which is the largest increase in the country for that time period. Unfortunately, experts are predicting […]