Expertise.com

2024

Last updated:

Best Homeowners Insurance Agencies in Yuma

Our Recommended Top 6

We did the research for you!

  • Licensing
  • User Reviews
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Our goal is to connect people with the best local professionals. We scored Yuma Homeowners Insurance Agencies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

59Reviewed

37Curated

6Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

390 West Catalina Drive, Yuma, AZ 85364

Expertise.com Rating

Review Sources

Google
4.7 (30)

Why choose this provider?

Established in 1985, Fogle Insurance Agency is an independent insurance agency providing a host of insurance options through its office in Yuma. The insurance policy options of the agency include homeowners' insurance and auto insurance. Its homeowners' insurance policy protects its clients' properties against fire, vandalism, theft, and storm damage. The policy may also include a loss-of-use coverage that allows its clients to live somewhere else temporarily while their home is going through repairs.

  • Multiple Policy Types

350 West 16th Street, Yuma, AZ 85364

Expertise.com Rating

Review Sources

Facebook
5.0 (1)

Why choose this provider?

Established in 1923, A.T. Pancrazi Insurance Agency is a family business based in Yuma. The insurance agency offers a host of commercial and personal insurance, including homeowners' insurance. Its homeowners' insurance policy covers damage due to windstorms, fire, smoke, and theft. The policy also covers claims against its clients for property damage and injuries to other people within their homes. Additionally, the insurance policy may include identity theft protection and dwelling replacement coverage.

  • Multiple Policy Types

992 West 16th Street, Yuma, AZ 85364

Expertise.com Rating

Review Sources

Google
4.8 (6)
Yelp
5.0 (1)

Why choose this provider?

RL Sullivan Insurance Agency helps Yuma area residents protect their homes against costs associated with damages and losses resulting from covered catastrophes including fires and windstorms. The agency assists homeowners in identifying insurance policies that best fit their needs in terms of coverage and limits. RL Sullivan also helps clients identify insurance needs for liabilities, medical expenses, additional living fees, and high-value personal items. The firm has been handling the insurance needs of communities across Arizona since 1976.

  • Condos
  • Renter's Insurance
  • Multiple Policy Types

2691 South 4th Avenue, Yuma, AZ 85364

Expertise.com Rating

Review Sources

Google
4.5 (21)

Why choose this provider?

Yuma Insurance, Inc., is a local independent insurance agency established in 1947 to help the community with its insurance needs. The agency has a wide range of services including homeowners' insurance, which it offers along with auto insurance for more benefits. This combined policy also provides the agency's clients extra coverage, such as accidental death benefits, airbag replacement, emergency lockout coverage, and single deductibles if in case both their house and car are damaged by one event.

  • Multiple Policy Types

720 N Main Street, B, San Luis, AZ 85349

Expertise.com Rating

Review Sources

Google
4.8 (49)
Facebook
5.0 (9)
Yelp
5.0 (2)

Why choose this provider?

Martin Armijo, State Farm Insurance Agent, is an insurance agency that serves clients in the Yuma metro area and helps them by providing a complete range of services. Mr. Armijo has been a State Farm agent since 1994 and continues to provide price quotes and assistance with the policy shopping experience. He and his fellow agents consult clients to find out their circumstances and help them to purchase the right policies for their needs. Martin Armijo, State Farm Insurance Agent, also offers car insurance.

  • Personal Property Insurance
  • Multiple Policy Types

220 East 16th Street, Yuma, AZ 85364

Expertise.com Rating

Review Sources

Google
4.8 (126)

Why choose this provider?

Yuma Risk Management Group, LLC, is a locally-owned and -operated insurance company that offers homeowners' policies to clients in the metro. With more than 40 years of its team's combined expertise, the company provides coverage for common hazards such as extreme weather, fires, and theft. It offers homeowners' liability that secures claims of property damage or injury to others, defense costs, and medical expenses for the injured party. Other home insurance options include renters', condo, mobile home, and in-home business coverage.

  • Multiple Policy Types

FAQs

  • Introduction

    Homeowners' insurance is a type of property insurance used by private property owners to protect their home and property from a range of risks and liabilities. It is also called home insurance.

    All homeowners' insurance policies cover the primary home on a property, meaning that most damage from weather, accidents, vandalism, and other events will be at least partially paid for by the insurance company. Many policies also include coverage for other structures, personal property, and some premises liability.

    It is not required by law that a homeowner purchases insurance for their property. However, if you have a mortgage, the lender will usually make purchasing a homeowners' policy a mandatory part of the loan process. Since the mortgage lender is essentially selling you the home, they require you to protect the investment.
  • What is the median home value and the average cost of homeowners’ insurance in Yuma?

    In Yuma, the typical homeowners' insurance cost stands at $847.02, while the median home value hovers at $119,200. Insurance rates differ based on certain factors. Newly constructed homes carry an average insurance cost of $601, whereas older residences exceeding 50 years command an insurance rate of $888. Additionally, homes equipped with a swimming pool typically incur an insurance expense of $864.

  • What factors determine the cost of a home insurance policy in Yuma?

    The cost of a home insurance policy in Yuma is determined by several factors, including the amount and types of coverage Yuman residents choose. More comprehensive coverage with higher limits will result in higher premiums. Another common determinant of insurance policy cost is the deductible, which refers to the amount to be paid by policyholders before their insurance coverage kicks in. The maximum coverage amounts for various components of a home insurance policy also affect the cost of a homeowners’ insurance policy.

  • What home maintenance tips are crucial for maintaining home insurance coverage in Yuma?

    Important home maintenance tips that can help Yuma residents maintain their homeowners’ insurance coverage include regular roof inspections and maintenance. Promptly addressing plumbing problems to prevent water damage is another key factor in maintaining coverage. Additionally, it is crucial to engage a qualified electrician to assess the condition of electrical wiring and other components for potential hazards.

  • What lesser-known aspects of homeowners' insurance should be considered by Yuma residents?

    Among the lesser-known facts about homeowners’ insurance that may be particularly relevant to Yuma residents is the exclusion of sewer backup coverage from most policies unless a special endorsement is purchased. In addition, standard homeowners' policies generally do not provide coverage for floods. When it comes to jewelry, a standard policy only offers protection up to specified limits if the loss is linked to one of the perils explicitly listed in the policy.

  • Can Yuma residents insure their parents’ homes on their behalf?

    Yes, Yuma residents can assist in securing insurance coverage for their parents' home. However, parental consent is a prerequisite for the inclusion of additional individuals as named insureds in a homeowners' policy. Additional factors that warrant consideration include primary residence ownership, potential home liens, and whether the home is listed within a trust. The process may entail the submission of legal documents such as a power of attorney and changes to the property title.

  • What determines the price of homeowners insurance premium?

    The premium, or monthly cost, of your homeowners' insurance policy depends on several factors, including the value of your home and amount of coverage you choose. Your credit history and whether the property is in a higher risk area also play a role.

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