Scottsdale is known for its expensive houses. However, this has not prevented people from buying property. Scottsdale’s homeownership rate is 65.9%. This is higher than the 63.9% national average rate. Scottsdale homeowners insurance is $1,235 annually for policies with $250K coverage.
There are many home insurance companies that serve Scottsdale and the surrounding area. We compared the top home insurance providers in Scottsdale using criteria such as average price, coverage options, and discounts.
Scottsdale’s best home insurance company
Our in-depth provider comparison revealed that USAA, Progressive and Nationwide have the best homeowners’ insurance in Scottsdale. These insurance companies are distinguished by their low premiums, reliable coverages, strong financial ratings, and generous discounts.
USAA
USAA offers home insurance to eligible military personnel and their immediate families. Scottsdale residents who are eligible for USAA will be able to take advantage of their low rates, excellent customer service, and comprehensive coverage. The standard home insurance policy from USAA covers the basic needs, as well as earthquake damage and uniforms. Scottsdale homeowners can save money by using USAA’s discount. This includes savings on bundling policies, claims-free, and a home security system.
Progressive
Progressive is a popular home insurance company. Scottsdale residents can save money and get low coverage with discount. This includes getting a quote ahead, installing a security system, insuring their new home, and paying in full. You can also bundle a home and an auto policy. Progressive also offers useful online resources like the HomeQuote Explorer tool that allows you to compare Progressive’s rates with other providers. Progressive’s coverage is limited.
All over the country
Scottsdale homeowners looking to customize their coverage using endorsements should choose Nationwide. For additional protection, you can add flood insurance, earthquake insurance, replacement cost plus coverage or better roof replacement coverage. Nationwide’s home insurance policies can be affordable. You may also be eligible for discounts if you have no claims, have a new roof, are insuring a new home, or live in a gated community.
AAA
While most people are familiar with AAA’s roadside assistance program and other insurance products, the company also offers home insurance. AAA home insurance is affordable and offers tons of discount. These include savings for AAA members, retired homeowners, not having any insurance claims, bundling policies and insuring a new home or roof. AAA offers all the standard coverage options plus endorsements for earthquake flood, umbrella, and scheduled personal property.
Auto-Owners
We found that Auto-Owners was the most expensive provider in Scottsdale. However, some people may find the higher premium worth it. Auto-Owners has an excellent rating for customer satisfaction and a large list of endorsements. You can personalize your policy by adding ordinance/law coverage, water backup/sump pumps coverage, equipment breakdown insurance and guaranteed replacement cost coverage. Auto-Owners offers discounts. This includes potential savings such as being completely claims-free, enrolled in paperless statements, and having an automated backup generator.
Scottsdale insurance options
Scottsdale homeowners don’t have to purchase home insurance. However, your mortgage lender will require it as part your loan agreement. It is worth making the smart investment of purchasing home insurance. You are financially responsible for the repair or reconstruction of your home following a major accident without home insurance. These are the coverages Scottsdale homeowners should look into:
- Scheduled personal property coverage is useful if you have valuable items such as jewelry, art, money or collections. The policy will increase your coverage limit for certain valuable items and pay for their repair or replacement in the event that they are damaged.
- Earthquake insurance. Because earthquakes can occur in Scottsdale, it is worth purchasing earthquake insurance. A separate earthquake insurance policy will cover your personal property and home in the event that an earthquake occurs.
- Flood insurance: Even though Scottsdale is at the edge of desert, flooding can still occur. Flood damage is not covered by standard home insurance. A separate flood insurance policy may be added to provide additional protection in the event that a major storm or flash flooding occurs.
Scottsdale home insurance discounts
You can find affordable insurance companies in Scottsdale that offer low-cost home insurance. You can save more on your premium if you take advantage of as many discounts as possible. These are some Scottsdale home insurance discounts:
- Homeowners who have just purchased or renovated a house can get a discount on their home insurance.
- You can save money if you pay your annual premium in full and upfront.
- Discounts for homeowners who don’t have any insurance claims are eligible for a discount.
- Retired homeowner discount – Some home insurance companies offer a reduced rate for those who are retired homeowners and meet certain criteria.
Questions frequently asked
Which is the best company for home insurance?
Every homeowner will find the best home insurer different. You can only find the best home insurer for you if you shop around and compare rates from several providers.
What is the cost of Scottsdale home insurance?
For a policy that covers $250K of dwelling coverage, the average home insurance cost in Scottsdale is $1235 per annum. Home insurance rates vary by homeowner’s credit history, age and claims history.