Home Insurance Rates in 86326

For homeowners shopping online in 86326, our insurance rates are very competitive for homeowners living in Cottonwood, AZ. Many homeowners based out of the great city of Cottonwood have found it very easy to shop with GetHomeInsuranceQuotes.com. The reason is because we clearly showcase the carriers that we will shop for you. Plus, our home 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 rates and coverage options are best suited for you and your family. To get free home insurance quotes in 86326, simply click the "Get Multiple Quotes Now" button. Your 86326 should appear in the zip code field ready to go. We only need some basic home information to start running multiple quotes for you. Cottonwood, AZ Home Insurance Rate Quotes are available for you, we easily review and compare multiple coverage and rate options.

86326 Home Insurance Rating is: Very Low!

If you live in 86326, you can easily save up to 40% off the average home insurance premium of $653 a year by letting us help you compare the best rate and coverage option for your home. We can compare up to 12 major top rated home insurance companies all at once. We also will do a professional analysis to determine which coverage is best suited to cover the risk that you need. Home insurance in Cottonwood can come in a variety of different packages, it's important to understand which homeowners policy is best. Let us help you compare home insurance rates in 86326 today!

Get Multiple Home Insurance Rates in 86326!

Average Building Cost Per Square Foot in 86326: $161

Average Square Footage in 86326: 1,450 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 86326 before you start any project. Cottonwood 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 86326 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 86326 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,450 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 Cottonwood 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.

It's important to understand that when you estimate your replacement cost of your home in the 86326 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.

Allstate Insurance - Yvonne Buckner Biondi

Allstate Insurance - Yvonne Buckner Biondi

All Price Insurance

DeGeer- Robert J - State Farm Insurance Agent

Allstate Insurance Companies

Rosenow- Neil D - State Farm Insurance Agent

Household Data for 86326

The average number of homes in 86326 is around 10,609, there are an average of 2.28 per household. The average house value according to local real estate values is around $233,500. Please review the following demographics below for average income and media age.

• $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 […]

• I can’t afford my home insurance, what do I do? Posted on Saturday 9th November, 2024

  According to data from the National Association of Realtors (NAR), the average U.S. insurance rate is $2,377 a year. The data also suggest that homeowners could see a 6% rise in rates by the end of the year which is in addition to the 20% increase over the two previous years. As climate change pushes […]

• How to Get the Best Homeowners Insurance Policy for Your Needs Posted on Wednesday 6th November, 2024

  Having the proper insurance coverages in place is a critical part of owning a home, it protects your investment and finances in the event your home is destroyed by an unexpected disaster such as a fire, flood or severe storm.  Understanding the different coverages that are available to homeowners is key to making sure you […]