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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 $848 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!
85296 Home Insurance Average Premiums
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) | $598 /yr. |
| Average Coverage: | $848 /yr. |
| 2600 sq. ft. or higher (all discounts applied) | $1148 /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 $848 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 $71.00.
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.
You can easily shop and compare home insurance rates within Gilbert, check out other zip codes nearby 85296.
To review average rates in another zip code, click on a zip code below:
85297 | 85233 | 85298 | 85296 | 85234 | 85295 |
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 Status | Price per Sq. Ft. | Square Feet | Dwelling Coverage |
|---|---|---|---|
| Basic Home Features | $161 | 2,261 | $364,100 |
| Additional Upgrades & Added Features | $201 | 2,261 | $455,125 |
| Major Home Updates or Advancements | $242 | 2,261 | $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 85296Phone: (480)963-0008
Website:
Allstate Insurance - Dave Stafford
Address: 3011 S Lindsay Rd Gilbert, AZ 85296Phone: (480)325-6474
Website:
Allstate Insurance - Kathleen S. Tischer
Address: 633 E Ray Rd Suite #102 Gilbert, AZ 85296Phone: (480)503-2656
Website:
Best Home & Auto Insurance Agencies in 85296
American Family Insurance Everett Cook Agency Inc
Address: 633 E Ray Rd, #110b Gilbert, AZ 85296Phone:
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 Auto Insurance
Address: 428 S Gilbert Rd Gilbert, AZ 85296Phone:
Website:
Info:
Allstate Insurance Companies
Address: 1094 S Gilbert Rd Gilbert, AZ 85296Phone:
Website: http://www.allstateagencies.com
Info:
Allstate Insurance
Address: 3501 E Morrison Ranch Pky Gilbert, AZ 85296Phone:
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 85296Phone:
Website:
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.
| Population | Values |
|---|---|
| Total Population | 50,418 |
| White Population | 36588 |
| Black Population | 1984 |
| Hispanic Population | 8555 |
| Asian Population | 2993 |
| Hawaiian Population | 100 |
| Indian Population | 454 |
| Other Population | 2185 |
| Male Population | 24612 |
| Female Population | 25806 |
| Population Estimate | 55140 |
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 Data | Values |
|---|---|
| Households Per Zipcode | 16,694 |
| Persons Per Household | 3.00 |
| Average House Value | $364,100 |
| Income Per Household | $102398 |
| Median Age | 34.4 |
| Median Age Male | 33.2 |
| Median Age Female | 35.4 |
| 85296 Details | Values |
|---|---|
| State | AZ |
| State Full Name | Arizona |
| City Type | P |
| City Alias Abbreviation | |
| Area Code | 480 |
| City | Gilbert |
| City Alias Name | GILBERT |
| County | Maricopa |
| County FIPS | 013 |
| State FIPS | 04 |
| Time Zone | 7 |
| Day Light Saving | N |
| MSA | 6200 |
| PMSA | |
| CSA | 429 |
| CBSA | 38060 |
| CBSA_DIV | |
| CBSA_Type | Metro |
| CBSA_Name | Phoenix-Mesa-Chandler, AZ |
| MSA_Name | Phoenix-Mesa, AZ MSA |
| PMSA_Name | |
| Region | West |
| Division | Mountain |
| MailingName | Y |
| Economic & Growth Review | Values |
|---|---|
| Number Of Businesses | 1221 |
| Number Of Employees | 14289 |
| Business First Quarter Payroll | 124737 |
| Business Annual Payroll | 553739 |
| Business Employment Flag | |
| Growth Rank | 0 |
| Growth Housing Units 2003 | |
| Growth Housing Units 2004 | |
| Growth Increase Number | 0 |
| Growth Increase Percentage | 0.0 |
| Metropolitan Details | Values |
|---|---|
| CBSA Population | 4192887 |
| CBSA Division Population | 0 |
| Congressional District | 05 |
| Congressional LandArea | 293.47 |
| Delivery Residential | 18380 |
| Delivery Business | 661 |
| Delivery Total | 29304 |
| Preferred Last Line Key | Z10548 |
| Classification Code | |
| Multi-County | |
| CSA Name | Phoenix-Mesa, AZ |
| CBSA_DIV_Name | |
| City State Key | Z10548 |
| Land Area | 11.669000 |
| Water Area | 0.002000 |
| City Alias Code | |
| City Mixed Case | Gilbert |
| City Alias Mixed Case | Gilbert |
| Box Count | 0 |
| SFDU | 2047 |
| MFDU | 5963 |
| State ANSI | 04 |
| County ANSI | 013 |
| ZIP Intro | |
| Alias Intro | |
| Facility Code | P |
| City Delivery Indicator | Y |
| Carrier Route Rate Sortation | D |
| Finance Number | 033404 |
| Unique ZIP Name | |
| SSA State County Code | 03060 |
| Medicare CBSA Code | 38060 |
| Medicare CBSA Name | Phoenix-Mesa-Chandler, AZ |
| Medicare CBSA Type | Metro |
| Market Rating Area ID | 4 |
| County Mixed Case | Maricopa |
Arizona Homeowners Insurance News & Information
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Compare 2026 Homeowners Insurance Rates in Every State Posted on Wednesday 11th February, 2026
Homeowners insurance rates continue to vary widely across the United States in 2026, influenced by severe weather risks, property damage costs, litigation environments, state insurance regulations, and the availability of local carriers. Some states still pay thousands more per year than others for the same amount of dwelling coverage. In this article, we compare average homeowners insurance […]
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Texas Homeowners Insurance: 2026 Market Update Posted on Monday 26th January, 2026
Texas homeowners are continuing to face one of the most challenging insurance markets in the country — driven by extreme weather risks, rising repair costs, and shifting insurer participation. Below is the latest overview of what buyers should know and how they can save on coverage. 1. Texas Insurance Market Landscape in 2026 Homeowners insurance […]
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Florida Homeowners Can Cut Insurance Bills —Here’s How, and Which Companies are Worth a Look Posted on Tuesday 11th November, 2025
Florida homeowners have spent years paying some of the highest homeowner-insurance premiums in the nation. But the market is slowly stabilizing and there are concrete, immediate steps homeowners can take to shrink premiums — from simple paperwork to Florida’s “My Safe Florida Home” program — while shopping smarter for companies that combine strong service with […]

