Home Insurance in Mesa, AZ
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Hang Your Hat in Mesa
Mesa, Arizona, is home to over half a million people. making it the third-largest in the state and the second-largest in the Greater Phoenix metropolitan area. Calling Mesa home means close access to the Arizona Museum of Natural History, Usery Mountain Regional Park and the Mesa Arts Center, which hosts plays, musicals and concerts throughout the year.
Mesa is noted for being an affordable place to live. especially on an average salary. The median home value in this area is around $269,000, nearly four times the median household income in the area. Over 60% of Mesa residents are homeowners. Whether you're a young professional living in a townhome in Dobson Ranch or a retiree enjoying the golf and tennis in Las Sendas, having home insurance in Mesa, AZ, can protect you from the financial burden of repairing major damage to your residence.
Protect Your Mesa Residence
Most people don't have several hundreds of dollars in cash to repair or replace a home that has experienced significant or catastrophic damage. Most mortgage lenders usually require borrowers to carry home insurance in Mesa to protect against losses due to fire, theft, vandalism and certain weather events. Mesa homes face these area-specific risks:
- Wildfires: Extremely hot summers, dry conditions and high winds are the perfect recipe for wildfires that can destroy homes.
- Termites: Arizona contains subterranean termites which threaten the structural integrity of wood used in buildings, including houses.
- Hail: Mesa experiences hailstorms, causing damage to roofs and windows.
Even without a mortgage, home insurance gives you the peace of mind of knowing that you're covered.
Find the Best Policy
Home insurance in Mesa, AZ, costs, on average, about $3,800 annually. exceeding the state average and the national average of $2,417. Various factors influence what you pay for coverage:
- Location: Proximity to fire stations and police stations can lower your premium.
- Replacement cost: The more expensive your home is to replace, the more it costs to insure.
- Age and condition: Homes that are older and in poorer condition tend to be more expensive to cover.
- Claims history: Having a history of claims results in higher rates.
- Credit score: Many insurers look at your credit history as a risk indicator when determining rates.
Additional factors such as dog ownership, renovations and available discounts also factor into your premium. You can pay a lower premium by raising your deductible. VIU by HUB helps you compare your options to find the best policy for your property.
Knowing What's Covered
While there are various types of coverages out there, a typical plan for home insurance in Mesa, AZ, should include the following protections:
- Dwelling: This covers the cost of repairing or rebuilding your home if it is damaged or destroyed by a covered event.
- Personal property: This covers the cost of replacing most personal belongings, such as furniture, apparel and appliances, if they are stolen or damaged by a covered event.
- Personal liability: This protects you from financial losses if you are sued for someone else's injuries or property damage.
- Medical payments: This pays for the medical expenses of others injured on your property, even if you are not found to be legally liable.
- Additional living expenses: This pays for your living expenses if you are unable to live in your home due to a covered event.
Events such as flooding and earthquakes usually require a separate policy. VIU by HUB helps take the confusion out of finding the best rates and policies for home insurance in Mesa, AZ. Get started with a quote today.
This information is intended for general informational purposes only and is not intended to constitute legal advice.