Expertise.com Homepage

2024

Last updated:

Best Homeowners Insurance Agencies in Surprise, AZ

Our Recommended Top 6

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Surprise 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.

78Reviewed

49Curated

6Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

12751 West Bell Road, Surprise, AZ 85378

Expertise.com Rating

Review Sources

Google
4.7 (132)
Facebook
5.0 (1)
Yelp
5.0 (1)

Why choose this provider?

Oasis Insurance is an independent insurance agency with access to multiple insurance providers. The business represents over 40 insurance carriers, including Safeway Insurance, Gainsco Insurance, Mercury Insurance, Progressive Insurance, AAA Insurance, and Bristol West Insurance. Agents address clients' insurance needs by shopping for insurance coverages to protect their homes and other assets. Homeowners' insurance covers losses from weather, non-weather, and sudden or accidental destructive events. The house insurance policy also pays for the damages in the house and other structures, hotel expenses, lawsuits, and personal belongings.

  • Fire
  • Personal Property Insurance

9200 West Union Hills Drive, Peoria, AZ 85382

Expertise.com Rating

Review Sources

Google
4.9 (73)
Facebook
4.8 (17)
Yelp
5.0 (1)

Why choose this provider?

Katie Campbell - State Farm Insurance Agent has been serving homeowners in the Surprise area since 1997. She caters to their insurance needs by providing the coverage that allows them to repair or replace homes and valued items. She helps clients recover from unexpected occurrences, such as lightning, wind or hail damage, and random acts of vandalism. In addition, Ms. Campbell provides insurance and financial reviews, business insurance evaluations, and retirement planning. She doesn't charge for initial quotes.

  • Multiple Policy Types

15331 West Bell Road, Surprise, AZ 85374

Expertise.com Rating

Why choose this provider?

Professional Insurance Strategies is a family-owned and operated company that's been dedicated to serving the insurance needs of clients around Surprise since 2006. Backed by leading insurance carriers, the company is uniquely positioned to offer comprehensive homeowners' insurance policies that protect the property owner against personal liability and personal property damage. The policies also include loss-of-use and dwelling coverage as well as flood and earthquake insurance plans. Additional coverage options are available for other structures built around the home.

  • Flood
  • Earthquake
  • Personal Property Insurance

15270 West Brookside Lane, Surprise, AZ 85374

Expertise.com Rating

Review Sources

Google
4.8 (140)
Facebook
4.7 (42)
Yelp
3.0 (2)

Why choose this provider?

Opened in 2000, InsuranceBeacon.com has been partnering with reputable insurance providers to offer reliable solutions to clients in the Surprise area. Its experienced agents provide condo, townhouse, manufactured home, renters, mobile home, and concrete block structure homeowners with reliable insurance plans. The home insurance products guarantee protection against financial setbacks that result from storm and fire damage or dog bite liability and septic backups. Clients can also work with the agents on staff to secure flood insurance options.

  • Multiple Carriers
  • Multiple Policy Types

15027 West Bell Road, Surprise, AZ 85374

Expertise.com Rating

Review Sources

Google
4.9 (35)

Why choose this provider?

Aabar Insurance Services is an independent agency catering to the needs of residents in the Surprise metro and nearby areas. Its team of agents assists clients in selecting homeowners insurance products from a wide variety of network that suits their protection needs and budgets. These agents explain the financial coverage of policies for different insurance products such as life, motorcycle, RV, and commercial insurance products. The agency is a family-owned and family-operated business established in 1995.

  • Fire
  • Personal Property Insurance
  • Multiple Policy Types

14239 West Bell Road, Surprise, AZ 85374

Expertise.com Rating

Review Sources

Google
4.9 (113)

Why choose this provider?

Ideal Insurance Agency, a full-service insurance solutions provider in Surprise, has served families and businesses since 1983. The company's agents handle clients' various insurance needs, including homeowners' insurance, which covers property insurance, liability protection, replacement costs, personal injury, and more. The agents customize the policies to suit the clients' budget as well as financially protect the policyholders from unexpected circumstances. Ideal Insurance Agency is an independent agency connected with several insurance carriers.

  • Condos
  • Renter's Insurance

Compare our Top Homeowners Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
Oasis Insurance
12751 West Bell Road, Surprise, AZ 85378
Katie Campbell - State Farm Insurance Agent
9200 West Union Hills Drive, Peoria, AZ 85382
Professional Insurance Strategies
15331 West Bell Road, Surprise, AZ 85374
InsuranceBeacon.com
15270 West Brookside Lane, Surprise, AZ 85374
Aabar Insurance Services
15027 West Bell Road, Surprise, AZ 85374
Ideal Insurance Agency
14239 West Bell Road, Surprise, AZ 85374

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 does a resident insurance policy in Surprise mean when it refers to "increased cost to changes in building ordinances"?

    For a property in Surprise where changes to the building code need new and sometimes expensive modifications, such as sprinkler systems, updated plumbing or electrical codes, and other building requirements, Increased Cost to Changes in Building Ordinances insurance typically applies. The new regulation might then make it more expensive to replace a damaged home.

  • What aspects determine the cost of your homeowners insurance in Surprise?

    Insurance companies in Surprise may consider a property's location, local claims history, construction materials utilized, age, and replacement cost when calculating insurance premiums. Your liability insurance may also be increased if you own a pool to cover potential accidents. Lastly, your premium may rise if you operate a home-based business in order to pay for the necessary inventory, machinery, and supplies.

  • Is it advisable from an insurance standpoint to have any of your personal property or household items in Surprise appraised?

    An assessment performed by a qualified appraiser in Surprise aids in keeping a record of the existence and replacement cost of the item, so if the cost of an appraisal is out of your price range, you should, at the very least, keep a list and brief description of your household items. Do note that after a loss, it might be difficult to track household items such as artworks, pieces of jewelry, electronic devices, and firearms.

  • What is the average cost of homeowners insurance in Surprise?

    In Surprise and the rest of Arizona, the cost of homeowner's insurance is lower than the national average; the premium in Surprise is often only $825 as opposed to the $1,211 national average. The particular qualities of your property, such as its size, location, age, and value, as well as other risk variables, such as the likelihood of severe weather and the crime rate, may still cause this premium to rise or fall.

  • What are the standard named perils in a homeowners insurance policy in Surprise?

    A named-peril policy, which exclusively covers specified losses in Surprise, may cover damages from fire and lightning, wind or hail, volcanic eruption, and the weight of ice, snow, or sleet. Depending on your policy, it may also include coverage for losses caused by an explosion, civil commotion, smoke, malicious mischief, theft, and falling objects. Damage from artificially generated electrical current, sudden and accidental tearing apart of water heater, and accidental discharge of water may also be included.

  • 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.

Related Articles

FeaturedState Farm home insurance reviews

State Farm Home Insurance Review 2024

Expertise ranks State Farm as the fifth-best homeowners insurance based on its affordable coverage and customizable policies....

FeaturedHomeowners insurance featured image

7 Best Homeowners Insurance Companies of 2024

Expertise analyzed the top home insurance providers in the country and found that Amica is the best insurer overall.