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2024

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Best Homeowners Insurance Agencies in Avondale, AZ

Our Recommended Top 7

We did the research for you!

  • Licensing
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Our goal is to connect people with the best local professionals. We scored Avondale 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.

52Reviewed

34Curated

7Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

12725 West Indian School Road, Avondale, AZ 85392

Expertise.com Rating

Review Sources

Google
4.9 (33)

Why choose this provider?

Insurance Pros AZ, LLC, is an Avondale-based independent agency that provides access to multiple companies that carry insurance products. They write insurance policies for houses or condos owned by the client. These policies protect both the exterior of the house and the contents inside the property from damages and theft. Most natural disasters are covered. For other disasters, like earthquake, the company's agents can provide additional specific coverages. The agents also gather multiple quotes from top-rated carriers to help clients compare different policy options.

  • Multiple Policy Types

11335 West Buckeye Road, Avondale, AZ 85323

Expertise.com Rating

Review Sources

Google
4.9 (9)
Facebook
5.0 (7)

Why choose this provider?

Cactus State Insurance LLC is an independent insurance agency serving Avondale and nearby communities. It helps homeowners financially protect their homes and personal belongings against disasters, accidents, and other unfortunate events with a homeowners' insurance policy. Its agents represent several insurance carriers providing various coverage options, including physical home structures, personal property, and liability protection. They also assist clients in determining monthly premiums and filing claims for damages and lost or stolen items. Other offerings include renters', auto, boat, bonds, small business, and commercial insurance.

  • Multiple Policy Types
  • Personal Property Insurance

103 West Grant Road, Avondale, AZ 85705
WebsiteLicense: 1800004347

Expertise.com Rating

Review Sources

Yelp
5.0 (1)

Why choose this provider?

Budget Insurance - West/Central is a provider of affordable insurance policies for families in Avondale and the surrounding areas. The company helps families get A-rated and accessible insurance quotes through its partner insurance companies. Budget Insurance has been operating since 1973. It also offers other kinds of insurance, including personal insurance, car insurance, business insurance, travel insurance, and pet insurance. Its partners include Bristol West Insurance Group, Infinity Auto Insurance, and Mercury Insurance Group.

  • Renter's Insurance
  • Homeowners

12409 West Indian School Road, Avondale, AZ 85392

Expertise.com Rating

Review Sources

Google
5.0 (6)
Yelp
4.0 (5)

Why choose this provider?

A1 Insurance LLC is an independent agency in Avondale that offers property damage coverage to homeowners. Beyond securing repairs costs for a client's dwelling, its offered policies also cover select possessions damaged by common hazards such as fires and personal liability protection against injury claims. A1 Insurance also counsels clients on factors that affect their coverage costs, such as the scope of their policy–whether they are covered on a name-perils or all-risk basis–and the quality of their insurer.

  • Multiple Policy Types

1440 North Dysart Road, Avondale, AZ 85323

Expertise.com Rating

Review Sources

Google
4.6 (120)

Why choose this provider?

AALL Insurance & Taxes is a local and family-focused insurance agency in Avondale that has been serving the community since 1983. It represents dozens of companies, providing a variety of home insurance coverage options. This agency's professionals can assist clients who are planning to buy a home or want to compare the existing rate with the latest insurance quotes. It has already helped over 500,000 family members and individual clients obtain financial protection for their homes and assets.

  • Multiple Policy Types

111 Monroe Avenue, Buckeye, AZ 85326

Expertise.com Rating

Review Sources

Google
5.0 (65)
Facebook
5.0 (1)
Yelp
5.0 (1)

Why choose this provider?

Jeremy Dudleston - State Farm Insurance Agent helps customers in Avondale and the neighboring communities understand home insurance options and coverage. As an Arizona resident for more than four decades, Mr. Dudleston prides himself on knowing the local community and its needs. He offers insurance policies that protect homes and gardens as well as most personal property from natural disasters, fire, theft, vandalism, and other incidents, such as plumbing system malfunctions.

  • Multiple Policy Types

13166 West McDowell Road, Goodyear, AZ 85395

Expertise.com Rating

Review Sources

Facebook
5.0 (4)
Google
3.7 (3)

Why choose this provider?

Powers-Leavitt Insurance Agency, Inc. provides personal and business insurance options for clients in Avondale and the rest of the region. The team of agents advises clients on the right homeowners insurance policy to choose, depending on their specific needs and budget. The clients can choose from a list of quotes from more than 10 insurance carriers that the agency represents. The company has been in the insurance business for more than 50 years.

  • Personal Property Insurance
  • Multiple Policy Types

Compare our Top Homeowners Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
Insurance Pros AZ, LLC
12725 West Indian School Road, Avondale, AZ 85392
Cactus State Insurance
11335 West Buckeye Road, Avondale, AZ 85323
Budget Insurance - West / Central
103 West Grant Road, Avondale, AZ 85705
A1 Insurance LLC
12409 West Indian School Road, Avondale, AZ 85392
AALL Insurance & Taxes
1440 North Dysart Road, Avondale, AZ 85323
Jeremy Dudleston - State Farm Insurance Agent
111 Monroe Avenue, Buckeye, AZ 85326
Powers-Leavitt Insurance Agency, Inc.
13166 West McDowell Road, Goodyear, AZ 85395

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 are typical homeowners' insurance claims in Avondale?

    Homes in Avondale and the rest of the state are vulnerable to damage from wildfires and severe temperatures. On the other hand, Arizona may be in close proximity to California, but earthquakes are rarely an issue in Avondale. If certain types of extreme weather damage your house and belongings, you may be able to claim those losses under your homeowners' insurance policy.

  • Is it required to conduct a home inspection when buying a homeowners' insurance policy in Avondale?

    A house inspection is not usually required by Avondale insurance companies. However, if you own a property that is more than a few years old, hasn't been examined in quite some time, or is located in a region prone to natural disasters like windstorms, your insurance provider may request an inspection. You may decline your insurer's request for a home inspection, but doing so could result in your application being refused or your premiums being raised.

  • How much coverage do Avondale residents have for their belongings under their homeowners' insurance?

    Homeowners' insurance providers in Avondale typically offer coverage for up to 75% of your home's structure. This translates to $75,000 for every $100,000 of structural protection, although the specific amount may vary depending on the provider. The required amount depends on your specific needs. If your personal items are worth less than 75% of the market value of your house, it's unnecessary to have that much insurance. In the event of a loss, you will get compensation based on the amount of the loss, not the policy maximum.

  • How do homeowners' insurance providers in Avondale determine a client's premium?

    The first factor to consider is the insurance coverage you select. A complete inventory of all personal belongings, knowledge of your home's market value, and your preferred liability coverage levels are required to calculate this amount. Insurers also consider your zip code when determining costs, as areas with high crime rates are seen as having an increased insurance risk. Furthermore, insurers take into account your credit history, the distance between your house and a fire hydrant, the property's claims history, and the general condition of the house, specifically its plumbing, electrical, and heating systems.

  • What disqualifies a home in Avondale from obtaining homeowners' insurance?

    If a house in Avondale is vulnerable to too many hazards — for example, frequent and severe floods — it may not be eligible for homeowners' insurance. A home may be unable to obtain insurance if it is not in a habitable state and would require too many expensive repairs to be worth the cost. If your home is in any of these conditions, consider speaking with a homeowners' insurance provider to discuss your option.

  • 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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