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85021 Homeowners Insurance Rate Quotes

Are you shopping for homeowners insurance quotes in 85021? Our rates are very competitive for homeowners living in Phoenix, AZ. Many homeowners based out of your 85021 area have found it very easy to shop with GetHomeInsuranceQuotes.com. For example, we clearly showcase the carriers that we will shop for you. Plus, our homeowners insurance quotes are free and our Arizona licensed agents can provide a free consultation service to you that allows you to ask questions about the rates and coverage options. To start a free home insurance quote, simply click the "Get Multiple Quotes Now" button. Your 85021 should appear in the zip code field ready to go. For Phoenix, AZ Home Insurance Rate Quotes click to review the best rates and service online!

85021 Average Premium is Rated: Very Low!

Homeowners living in 85021 can easily save up to 40% off the average home insurance premium of $617 a year by comparing rates with us at GetHomeInsuranceQuotes.com. You don't have to do the research to find the best company, rate and coverage options. We have already done this for you. We have 12 major carriers in Phoenix that are all very competitive and have the best rate and coverage option available. All you need to do is request quotes online for zip code 85021 and we will help you compare prices and apply all available discounts. If you want savings and also need help deciding which policy is best for you, than let us help you compare multiple rates today!

Get Multiple Home Insurance Rates in 85021!

85021 Home Insurance Average Premiums

Local 85021 homeowners insurance quotes comparison

$367 /yr.

Shows Zip Code: 85021 lowest rates with discounts applied on average.

For the 85021, homeowners insurance rates may vary on deductible, coverage amount and property details. Below is a list of the averages based on the cost of an annual home insurance premium.

Coverage Amount:Annual Premium
1800 sq. ft. or below
(discounts applied)
$367 /yr.
Average Coverage:$617 /yr.
2600 sq. ft. or higher
(all discounts applied)
$917 /yr.

What is the average home insurance cost for a home in 85021?

  • • The average homeowners insurance premium paid annually for a home in 85021 is around $617 per year.

What does it cost on average per month for home insurance in 85021?

  • • Homeowners in 85021 pay a monthly average cost per month around $51.00.

What kind of discount could I get if I combine my home and auto insurance together in 85021?

  • • Autoowners in 85021 can receive a 20% to 25% discount if they own a home and would like to group or bundle their car and home insurance together with one insurance company.

For shopping home insurance rates within the Phoenix area, check out other zip codes nearby 85021.
Review average rates in another zip code:
85016 homeowners insurance rates
85022 homeowners insurance rates
85003 homeowners insurance rates
85040 homeowners insurance rates
85014 homeowners insurance rates
85042 homeowners insurance rates
85017 homeowners insurance rates
85083 homeowners insurance rates
85034 homeowners insurance rates
85024 homeowners insurance rates

Home Replacement Cost Coverage in 85021

Average Building Cost Per Square Foot in 85021: $161

Location: Phoenix, Arizona (Maricopa County)

Average Square Footage in 85021: 2,057 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 85021 before you start any project. Phoenix homeowners pay on average around $161 per square foot to build a home. Another great reason to know the average cost to build is for your homeowners insurance policy. A standard homeowners policy will help you cover the replacement cost of your home due a fire or any other named perils on your policy. Calculating your dwelling coverage for your home in 85021 is extremely helpful when estimating how much replacement cost coverage you need. We highly recommend that you have enough dwelling coverage to rebuild your home if it was destroyed by a covered peril.

Here is how you determine your replacement cost. If we take an average home in 85021 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 2,057 sq. ft. and the average cost to rebuild the home in this area is around $161 per square foot would be considered a base estimate cost. These two numbers would allow us to generate the replacement cost needed for an average size home in the Phoenix area. If the home is new or has been upgraded, you will want to add $50 to $100 or more per square foot to equally cover the replacement cost to restore a home back to it's original condition.

Home Improvement StatusPrice per Sq. Ft.Square FeetDwelling Coverage
Basic Home Features$1612,057$331,100
Additional Upgrades & Added Features$2012,057$413,875
Major Home Updates or Advancements$2422,057$496,650

It's important to understand that when you estimate your replacement cost of your home in the 85021 zip code area, it will be the cost to replace the structure of your home, not the additional value of the property that is factored in when purchasing a new home.

Best Homeowners Insurance Agencies in 85021

Hilb Rogal & Hamilton Co

Address: PO Box 38400 Phoenix, AZ 85021
Phone: (602)347-8770
Website:

Best Home & Auto Insurance Agencies in 85021

Blue Cross Blue Shield of AZ

Address: 2444 W Las Palmaritas Dr Phoenix, AZ 85021
Phone:
Website:
Info:

Stahler- Wesley W

Address: 1820 W Northern Ave Phoenix, AZ 85021
Phone:
Website: http://www.wesstahler.com
Info:

Blue Cross Blue Shield

Address: 2612 W Townley Ave Phoenix, AZ 85021
Phone:
Website:
Info:

State Farm Insurance

Address: 1820 W Northern Ave, #100 Phoenix, AZ 85021
Phone:
Website: http://www.phoenix.citysearch.com/profile/1642714/phoenix_az/state_farm_insurance.html
Info:

Housing Demographics for 85021

Population Review for 85021 Zip Code

For the city of Phoenix, the population within 85021 has increased to over 42,889 residents in population size. The current population total is 40,943. We have broken down the population based on race below. In 85021, there are over 20342 in male population and 20601 females.

PopulationValues
Total Population40,943
White Population20365
Black Population4540
Hispanic Population14131
Asian Population1312
Hawaiian Population55
Indian Population1723
Other Population6997
Male Population20342
Female Population20601
Population Estimate42889

Household Data for 85021

The average number of homes in 85021 is around 16,391, there are an average of 2.47 per household. The average house value according to local real estate values is around $331,100. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode16,391
Persons Per Household2.47
Average House Value$331,100
Income Per Household$51193
Median Age35.0
Median Age Male34.1
Median Age Female35.8
85021 DetailsValues
StateAZ
State Full NameArizona
City TypeP
City Alias Abbreviation
Area Code602/480/623
CityPhoenix
City Alias NamePHOENIX
CountyMaricopa
County FIPS013
State FIPS04
Time Zone7
Day Light SavingN
MSA6200
PMSA
CSA429
CBSA38060
CBSA_DIV
CBSA_TypeMetro
CBSA_NamePhoenix-Mesa-Chandler, AZ
MSA_NamePhoenix-Mesa, AZ MSA
PMSA_Name
RegionWest
DivisionMountain
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses943
Number Of Employees21921
Business First Quarter Payroll276418
Business Annual Payroll1177231
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population4192887
CBSA Division Population0
Congressional District01|08
Congressional LandArea55039.61|539.66
Delivery Residential17364
Delivery Business1138
Delivery Total20734
Preferred Last Line KeyZ10747
Classification Code
Multi-County
CSA NamePhoenix-Mesa, AZ
CBSA_DIV_Name
City State KeyZ10747
Land Area6.942000
Water Area0.030000
City Alias Code
City Mixed CasePhoenix
City Alias Mixed CasePhoenix
Box Count0
SFDU7411
MFDU8852
State ANSI04
County ANSI013
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number036364
Unique ZIP Name
SSA State County Code03060
Medicare CBSA Code38060
Medicare CBSA NamePhoenix-Mesa-Chandler, AZ
Medicare CBSA TypeMetro
Market Rating Area ID4
County Mixed CaseMaricopa

Arizona Homeowners Insurance News & Information

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    According to a new report from Matic, the homeowner’s insurance market has shown signs of stabilizing roughly two years after major premium hikes and coverage challenges.  Even though premiums are high, trends in the insurance industry show that a slowdown in premium growth may be coming. Here is a brief overview of the report and […]

  • What’s the average home insurance rate for a $300K home in 2024? Posted on Monday 9th December, 2024

    A recent report from Insurance.com found that the average homeowners insurance rate for a $300,000 in homeowners coverage hit $2,777 per year which breaks down to $231 monthly.  The cost of homeowners insurance in some states can be extremely expensive, for years Florida has been know to have the highest premiums in the nation. When […]

  • $4.5B Estimated In Insured Losses After 2024 Florida Hurricanes Posted on Wednesday 13th November, 2024

    According to the Florida Office of Insurance Regulation, the three hurricanes that made landfall this year have caused more than $4.5 billion in estimated insured losses. Hurricane Debby, Helene and Milton all hit the state within two months of each other Helene and Milton struck just two weeks apart. State data show that over 269,000 […]