Get Willcox, AZ Home Insurance Rates!

Did you know that comparing home insurance near Willcox, AZ just got easier? At GetHomeInsuranceQuotes.com, we provide excellent quoting services when it comes to getting cheaper rates with enhanced coverage options and lower prices. Our carriers are rated "A+" by A.M. Best and most of all they are brand names you can trust like Nationwide, Safeco Insurance, Liberty Mutual, Progressive Insurance and so many more.

The good news is that lower rates are available for homeowners living in Arizona so it's important to work with a specialized Willcox insurance agent that knows the best carrier that's right for you and your family.

Great Facts About Willcox, AZ

Willcox has now reached over 3,757 residents in population size with 1421 homes within the city of Willcox. The average family size in Willcox is around 938. With the local population increasing in Willcox, it's important to make sure your home has the proper coverage and protection you need for your family. Please visit the links below to help you find out better ways to save on your insurance:

Demographic	Values
Population	3,757
Total Occupied Households	1421
Family Households (families)	938
Average Owner Occupied Household Size	2.65
Average Family Size	3.20
Total Housing Units	1659

Homeowners Insurance in Willcox: What You Need To Know!

When reviewing home insurance locally, Willcox homeowners are finding ways to save up to 40% or more when they shop and compare rates online.

A frequently asked question that we get from homeowners based out of Willcox, usually have to do with comparing premium payments, monthly and annually for residents living in COCHISE County. Did you know that Arizona may not be the cheapest state in the country to purchase a homeowners policy, however it does rank lower than average at a national rank of 46. Residents of Willcox, AZ are currently paying $866 per year for home insurance coverage on average, where the majority of the United States premiums are around $1311 per year. These average home insurance rates reflect the cost of a standard home insurance policy which includes the coverage of your home, your contents, loss of use, medical payments and homeowner liability coverage.

Compare Homeowners Insurance Rates in Willcox, AZ!

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Average Rates Nearby Willcox

Are you looking for homeowners insurance in a city near Willcox? Review coverage options and average rates in your area by clicking your city below. We can help you shop home insurance rates!

Home Insurance Rates by Zipcode in Willcox, AZ

Easily review average rates and get multiple homeowners insurance quotes by clicking your zip code below located in Willcox.

85643,

Willcox, AZ Home Insurance Average Premiums

Local Willcox, AZ home insurance quotes comparison

$413 /yr.

Shows Willcox's lowest average rates with discounts applied.

For the city of Willcox, 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)	$413 /yr.
Average Coverage:	$663 /yr.
2600 sq. ft. or higher (all discounts applied)	$963 /yr.

What is the average home insurance cost for a home in Willcox, AZ?

• The average homeowners insurance premium paid annually for a home in Willcox is around $663 per year.

What does it cost on average per month for home insurance in Willcox, AZ?

• Homeowners in Willcox pay an average cost per month around $55.00 for insurance coverage.

Willcox, AZ - 2023 Housing Information

Month	Current Home Value (2023)	Last Year Home Value (2022)
January	$167,299	$152,231
February	$168,652	$154,344
March	$170,235	$156,823
April	$170,319	$159,507

Homeowners insurance will help cover the cost to repair or replace your Willcox home if it is damaged or destroyed by a covered peril, up to your coverage limits. A homeowners policy is made up of a few different coverages. Here are the most common coverages:

Dwelling: This coverage will pay to repair or replace the structure of your home if it is damaged or destroyed. Review and Calculate Replacement Cost Coverage in Willcox
Liability: This coverage will help cover medical and legal bills if someone is injured in your home, slipping on an icy sidewalk for example. It also offers protection if you damage another person’s property, your child hitting a baseball through a neighbor’s window for example.
Contents: This covers the cost to replace your personal possessions that are destroyed by a covered peril. Furniture, electronics, clothing and household goods are excellent examples. Contents coverage is often capped at 50% to 70% of your dwelling coverage.
Other Structures: This coverage protects other structures on your property such as detached garages, outbuildings, barns, and sheds.
Loss of use: This covers everyday costs that you incur if you cannot live in your home while it is being repaired due to a claim. It will pay hotel and restaurant bills and even the cost of dry cleaning.

Get up to 12 competitive Willcox, AZ homeowners insurance rates all in one place!

Saving Money Tips on Willcox Home Insurance

A great way to save money on Willcox homeowners insurance is to make sure you are getting all the discounts you are qualified to receive. Here are just a few of the most common discount’s insurers offer:

Bundling: If you purchase your home and auto (or any other insurance coverage) from the same insurer, you should get a bundling discount. Expect to save 20%-25%.
Secure your home: Adding a monitored security system, water leak sensors, deadbolts, and smoke detectors should result in a discount.
Impact resistant roof: If you are replacing your roof, consider impact resistant roofing materials which help prevent hail and impact damage as well as resulting in a significant discount.
Stay claim free: If you have been claim free for a number of years (five is a common requirement) your insurer should offer a claim free discount.

Are you shopping for the best rate near or wihin the Willcox area? Check out what homeowners are paying on average for Arizona homeowners insurance.

Elevation Review for Coastal Wind or Flooding Risk

Elevation	Details	Homeowners Tips
4912 ft.	This is the average home elevation in Willcox, AZ	Did you know that the elevation in which your home resides is crucial to a home insurance policy because it determines the risk factor related to your home being in a flood zone. It is important to understand that your home is not covered for floods under a standard homeowners policy. You will need to speak with a local Arizona flood insurance agent about a flood insurance policy, please give us a call now at 888-620-1954.

To get online quotes on your home and compare rates on home insurance premiums in Willcox, enter your zip code above and easily complete our online quoting application. Remember, it's important to speak with us about additional home insurance discounts so you can get the best rate for your home in Cochise County.

Arizona Homeowners Insurance News & Information

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 […]
Homeowners Below a 580 Credit Score Pay 35% More for Home Insurance Posted on Monday 15th April, 2024
While the odds of a major disaster hitting a specific home is the same regardless of whether the owner has a great credit score or one that puts them in a subprime category, their credit score will impact their rate in many states. In most states, insurers are allowed to consider credit scores when setting […]
The Best Way to Check the Financial Strength of Home Insurance Companies Posted on Wednesday 3rd April, 2024
If you are switching insurance companies, you should always check the financial strength of any insurer you are seriously considering. While an affordable premium is always a plus, if your insurance company cannot afford to pay when you file a claim, the savings will certainly not be worth it. A.M. Best is a credit rating […]
Florida’s Broward Commissioner is Asking Congress to Lower Insurance Rates Posted on Monday 1st April, 2024
A bill in the U.S. House called the Natural Disaster Reinsurance Plan, hopes to lower insurance costs for policyholders in states that opt-in to the program which will scale back the requirements regarding the amount of reinsurance that insurance companies need to purchase. Currently, a Broward commissioner is asking Congress to pass legislation he claims […]
North Carolina Coastal Home Insurance Rates Posted on Friday 29th March, 2024
North Carolina is a fantastic place to live with plenty of cultural activities, beautiful beaches, world-class cities as well as great restaurants and shopping. The only disadvantage to living in North Carolina, particularly if your home is located in coastal area is the cost of homeowners insurance. The average premium for a standard homeowners insurance […]

Willcox, AZ Dwelling Coverage Estimate

It is important to calculate your dwelling coverage for your home in Willcox so you know what type of homeowners insurance coverage you need to cover your replacement cost. It is recommended to have enough dwelling coverage to rebuild your home if it was destroyed by a covered peril.

Please remember that replacement cost coverage does not include the cost of the land, only the price to rebuild your home, which is why we like to help customers by answering a few questions that you may have.

What is the average replacement cost coverage in Willcox, AZ?

- The average square footage in Willcox is around 631 Sq. Ft. which would cost you around $101,600 to replace the home if you base the home on the price to build per square foot of $161.

Minimum Replacement Cost Total: $101,600

Location: Willcox, Arizona (Cochise County)

Average Building Cost Per Square Foot in Willcox: $161 (low end)

Average Square Footage in Willcox: 631 Sq. Ft.

Home Improvement Status	Price per Sq. Ft.	Dwelling Coverage
None or Very Minor Improvements	$161	$101,600
Some Additional Upgrades	$201	$127,000
Major Home Updates or Advancements	$242	$152,400

Calculate Your Willcox, AZ Dwelling Coverage

The dwelling coverage is calculated by the average cost per square foot ($161) in Willcox, Arizona times your heated square footage. Which would equal the cost to rebuild your home minus the cost of the property or land. Some homes will have a higher replacement cost due to home improvements like updated kitchens and bathrooms. Other upgrades may include: granite countertops, hardwood floors and stainless steel appliances. The national square foot average to build a brand new home is around 2500 square feet. So if you are looking to build, and your square footage of your new home is 2500, you are looking at a dwelling coverage premium of around $503,125 (Media price to build of $201 x 2500 sq. ft.) to cover the cost to rebuild your new home.

What is the difference between actual cash value and replacement cost value?

Homeowners insurance is available in both actual cash value (ACV) and replacement cost value (RCV). Knowing the difference is important:

Actual cash value: When valuing your personal possessions, an actual cash value policy will take depreciation into account. This means that your 10-year-old TV will be basically worthless according to your insurance company. While an ACV policy tends to be cheaper, if you have to make a claim you may be disappointed in your claim payout.

Replacement cost value: A RCV policy will replace your possessions with brand new items of similar quality regardless of how old they were at the time they were destroyed. While RCV policies are slightly more expensive, they are well worth the cost if you have to make a claim.