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Homeowners Insurance in 85296

For homeowners living in 85296, you want more affordable home insurance rates in Gilbert, right? Our rates are very competitive for homeowners living in the great city of Gilbert, AZ. Many homeowners living in the 85296 area have found it very easy to shop with GetHomeInsuranceQuotes.com. For example, we clearly showcase the top home insurance companies that we will shop for you all in one place. 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 which policy and coverage option is best for you and your family. Get the home insurance protection you need and start a free home insurance quote today, simply click the "Get Multiple Quotes Now" button. Your 85296 should appear in the zip code field ready to go. Comparing Gilbert, AZ Home Insurance Quotes in your area, we can review the best rates and coverage options with multiple carriers to choose from.

85296 Home Insurance Costs Are Considered: Very Low!

The overall cost of homeowners insurance on average for a standard HO-3 home insurance policy for homeowners living in Gilbert pay around $678 per year. For affordable homeowners insurance, we have the best prices when it comes to comparing Arizona home insurance rates. At GetHomeInsuranceQuotes.com, we compare the most competitive companies then we let you review the most affordable rates and coverage options. Homeowners living in the 85296 zip code usually have questions about which coverage option is best. Our process is spam and hassle free so you can get your questions answer quickly and review the best home insurance policy for you. Most of all, Gilbert homeowners enjoy saving up to 40% or even more when we apply all the discounts available. Let us help you shop and save on your Arizona home insurance premium today!

Get 85296 Homeowners Insurance Rates Now!

85296 Home Insurance Average Premiums

Local 85296 homeowners insurance quotes comparison

$428 /yr.

Shows Zip Code: 85296 lowest rates with discounts applied on average.

For the 85296, 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)
$428 /yr.
Average Coverage:$678 /yr.
2600 sq. ft. or higher
(all discounts applied)
$978 /yr.

What is the average home insurance cost for a home in 85296?

  • • The average homeowners insurance premium paid annually for a home in 85296 is around $678 per year.

What does it cost on average per month for home insurance in 85296?

  • • Homeowners in 85296 pay a monthly average cost per month around $57.00.

What kind of discount could I get if I combine my home and auto insurance together in 85296?

  • • Autoowners in 85296 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 Gilbert area, check out other zip codes nearby 85296.
Review average rates in another zip code:
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Home Replacement Cost Coverage in 85296

Average Building Cost Per Square Foot in 85296: $161

Location: Gilbert, Arizona (Maricopa County)

Average Square Footage in 85296: 2,261 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 85296 before you start any project. Gilbert 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 85296 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 85296 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 2,261 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 Gilbert 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$1612,261$364,100
Additional Upgrades & Added Features$2012,261$455,125
Major Home Updates or Advancements$2422,261$546,150

It's important to understand that when you estimate your replacement cost of your home in the 85296 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 85296

Allstate Insurance - Roger Moore

Address: 2487 S Gilbert Rd #107 Gilbert, AZ 85296
Phone: (480)963-0008
Website:

Allstate Insurance - Dave Stafford

Address: 3011 S Lindsay Rd Gilbert, AZ 85296
Phone: (480)325-6474
Website:

Allstate Insurance - Kathleen S. Tischer

Address: 633 E Ray Rd Suite #102 Gilbert, AZ 85296
Phone: (480)503-2656
Website:

Best Home & Auto Insurance Agencies in 85296

Allstate Auto Insurance

Address: 428 S Gilbert Rd Gilbert, AZ 85296
Phone:
Website:
Info:

Allstate Insurance

Address: 3501 E Morrison Ranch Pky Gilbert, AZ 85296
Phone:
Website: http://www.allstate.com
Info: Allstate Car Insurance Quotes, Home Insurance, Financial Products and More
Allstate auto insurance quotes and anonymous ballpark estimates to help protect you, your family and your automobile. Insurance and financial products include car insurance, home insurance, business insurance, life insurance, IRAs and annuities. car insurance, auto insurance quote, vehicle insurance, free online insurance quotes, rate quote, life insurance, annuities, mutual funds, IRAs, allstate insurance agent, allstate.com

Allstate Insurance - Kathleen S. Tischer

Address: 633 E Ray Rd, #102 Gilbert, AZ 85296
Phone:
Website:
Info:

American Family Insurance Everett Cook Agency Inc

Address: 633 E Ray Rd, #110b Gilbert, AZ 85296
Phone:
Website: http://www.amfam.com
Info: American Family Insurance | Auto Insurance, Car Insurance, Life, Homeowners & More
American Family Insurance offers affordable car insurance, homeowners insurance, life insurance, business insurance, annuities and more. auto insurance, car insurance, life insurance, homeowners insurance, business insurance, annuities

Allstate Insurance Companies

Address: 1094 S Gilbert Rd Gilbert, AZ 85296
Phone:
Website: http://www.allstateagencies.com
Info:

Housing Demographics for 85296

Population Review for 85296 Zip Code

For the city of Gilbert, the population within 85296 has increased to over 55,140 residents in population size. The current population total is 50,418. We have broken down the population based on race below. In 85296, there are over 24612 in male population and 25806 females.

PopulationValues
Total Population50,418
White Population36588
Black Population1984
Hispanic Population8555
Asian Population2993
Hawaiian Population100
Indian Population454
Other Population2185
Male Population24612
Female Population25806
Population Estimate55140

Household Data for 85296

The average number of homes in 85296 is around 16,694, there are an average of 3.00 per household. The average house value according to local real estate values is around $364,100. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode16,694
Persons Per Household3.00
Average House Value$364,100
Income Per Household$102398
Median Age34.4
Median Age Male33.2
Median Age Female35.4
85296 DetailsValues
StateAZ
State Full NameArizona
City TypeP
City Alias Abbreviation
Area Code480
CityGilbert
City Alias NameGILBERT
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 Businesses1221
Number Of Employees14289
Business First Quarter Payroll124737
Business Annual Payroll553739
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 District05
Congressional LandArea293.47
Delivery Residential18380
Delivery Business661
Delivery Total29304
Preferred Last Line KeyZ10548
Classification Code
Multi-County
CSA NamePhoenix-Mesa, AZ
CBSA_DIV_Name
City State KeyZ10548
Land Area11.669000
Water Area0.002000
City Alias Code
City Mixed CaseGilbert
City Alias Mixed CaseGilbert
Box Count0
SFDU2047
MFDU5963
State ANSI04
County ANSI013
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number033404
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

  • 2025 – Study Shows Home Insurance Market Stabilizing Posted on Wednesday 11th December, 2024

    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 […]