Sacaton, AZ Home Insurance Quotes!

Are you trying to find affordable homeowners insurance in Sacaton, AZ? Although cost analysis and savings is a common factor for Sacaton homeowners when it comes to looking for a new homeowners insurance policy, we also strive to help you find dependable coverage for your home and family. It's important to make sure your home insurance policy provides the protection you need for home related damages due to loss, weather, theft or fires. An enhanced coverage doesn't always have to be expensive, that is why we like to work with you to apply all the following home insurance discounts when comparing companies and the cost of each policy. You may realize that there are additional discounts available other than the common smoke detectors, burglar alarm (security), and deadbolts. All of these possible discount items can help you save up to 40% or more on your homeowners insurance policy. Call 855-976-2656 or get quotes online and let our local Sacaton home insurance agent help you today!

Sacaton Average Homeowners Insurance Premiums

Average home insurance rates for homeowners living in the Sacaton area pay around $655 per year. Smaller homes in the area with less risk and replacement cost coverage pay a little less than average, usually around $405 /yr. with discounts applied. For larger homes in this area over 2000 sq. ft in Sacaton, you may see higher rates in the $955 range due to much higher replacement cost and upgraded coverage options.

Interesting Facts About the City of Sacaton, Arizona

There are 4,543 people that happily call the wonderful city of Sacaton home. There are 1,125 housing units in town, making the average owner occupied household size roughly 4.

The average household income in Sacaton is an extremely respectable $17,963. One more great fact about Sacaton is the average cost of a house, which is $93,800 so housing is very affordable.

Review Coverage Types in Sacaton

Insurance for Sacaton homeowners comes in a variety of types. The following types are just a few of the specific home insurance types that are available:

HO-3: The HO-3 homeowners insurance policy is the most common policy being sold and most likely the one you already have or will be getting when you purchase a home. It will cover damage from everything except the perils that are excluded in the policy. Flood and earthquake damage are always excluded on a HO-3 policy.
HO-8: If you are purchasing an older home this is the policy for you. It is specially designed for older home and pays out on an actual cash value which means depreciation is subtracted from the replacement costs. Because the cost of original building materials, and fixing issues such as ancient wiring can be extremely expensive, a standard policy may not be available for older homes.
H0-4: This is more commonly referred to as renter's insurance and offers protection for all of the personal property that you keep in your apartment. A renter's policy also offers liability insurance, which will cover the medical costs if a person is injured in your apartment. Renters insurance is extremely affordable and if you live in an apartment you should absolutely have this coverage.

Compare Homeowners Insurance Rates in Sacaton, AZ!

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Average Rates Nearby Sacaton

Are you looking for homeowners insurance in a city near Sacaton? Review coverage options and average rates in your area by clicking your city below. We can help you shop home insurance rates!

Home Insurance Rates by Zipcode in Sacaton, AZ

Easily review average rates and get multiple homeowners insurance quotes by clicking your zip code below located in Sacaton.

85147,

Sacaton, AZ Home Insurance Average Premiums

Local Sacaton, AZ home insurance quotes comparison

$405 /yr.

Shows Sacaton's lowest average rates with discounts applied.

For the city of Sacaton, 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)	$405 /yr.
Average Coverage:	$655 /yr.
2600 sq. ft. or higher (all discounts applied)	$955 /yr.

What is the average home insurance cost for a home in Sacaton, AZ?

• The average homeowners insurance premium paid annually for a home in Sacaton is around $655 per year.

What does it cost on average per month for home insurance in Sacaton, AZ?

• Homeowners in Sacaton pay an average cost per month around $55.00 for insurance coverage.

Sacaton, AZ - 2023 Housing Information

Month	Current Home Value (2023)	Last Year Home Value (2022)
January	$0	$0
February	$0	$0
March	$0	$0
April	$0	$0

Homeowners insurance will help cover the cost to repair or replace your Sacaton home if it is damaged or destroyed by a covered peril, up to your coverage limits. A homeowners policy is made up of a few different coverages. Here are the most common coverages:

Dwelling: This coverage will pay to repair or replace the structure of your home if it is damaged or destroyed. Review and Calculate Replacement Cost Coverage in Sacaton
Liability: This coverage will help cover medical and legal bills if someone is injured in your home, slipping on an icy sidewalk for example. It also offers protection if you damage another person’s property, your child hitting a baseball through a neighbor’s window for example.
Contents: This covers the cost to replace your personal possessions that are destroyed by a covered peril. Furniture, electronics, clothing and household goods are excellent examples. Contents coverage is often capped at 50% to 70% of your dwelling coverage.
Other Structures: This coverage protects other structures on your property such as detached garages, outbuildings, barns, and sheds.
Loss of use: This covers everyday costs that you incur if you cannot live in your home while it is being repaired due to a claim. It will pay hotel and restaurant bills and even the cost of dry cleaning.

Get up to 12 competitive Sacaton, AZ homeowners insurance rates all in one place!

Saving Money Tips on Sacaton Home Insurance

A great way to save money on Sacaton homeowners insurance is to make sure you are getting all the discounts you are qualified to receive. Here are just a few of the most common discount’s insurers offer:

Bundling: If you purchase your home and auto (or any other insurance coverage) from the same insurer, you should get a bundling discount. Expect to save 20%-25%.
Secure your home: Adding a monitored security system, water leak sensors, deadbolts, and smoke detectors should result in a discount.
Impact resistant roof: If you are replacing your roof, consider impact resistant roofing materials which help prevent hail and impact damage as well as resulting in a significant discount.
Stay claim free: If you have been claim free for a number of years (five is a common requirement) your insurer should offer a claim free discount.

Are you shopping for the best rate near or wihin the Sacaton area? Check out what homeowners are paying on average for Arizona homeowners insurance.

Elevation Review for Coastal Wind or Flooding Risk

Elevation	Details	Homeowners Tips
1279 ft.	This is the average home elevation in Sacaton, AZ	Did you know that the elevation in which your home resides is crucial to a home insurance policy because it determines the risk factor related to your home being in a flood zone. It is important to understand that your home is not covered for floods under a standard homeowners policy. You will need to speak with a local Arizona flood insurance agent about a flood insurance policy, please give us a call now at 888-620-1954.

To get online quotes on your home and compare rates on home insurance premiums in Sacaton, enter your zip code above and easily complete our online quoting application. Remember, it's important to speak with us about additional home insurance discounts so you can get the best rate for your home in Pinal County.

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 […]
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 […]

Sacaton, AZ Dwelling Coverage Estimate

It is important to calculate your dwelling coverage for your home in Sacaton so you know what type of homeowners insurance coverage you need to cover your replacement cost. It is recommended to have enough dwelling coverage to rebuild your home if it was destroyed by a covered peril.

Please remember that replacement cost coverage does not include the cost of the land, only the price to rebuild your home, which is why we like to help customers by answering a few questions that you may have.

What is the average replacement cost coverage in Sacaton, AZ?

- The average square footage in Sacaton is around 583 Sq. Ft. which would cost you around $93,800 to replace the home if you base the home on the price to build per square foot of $161.

Minimum Replacement Cost Total: $93,800

Location: Sacaton, Arizona (Pinal County)

Average Building Cost Per Square Foot in Sacaton: $161 (low end)

Average Square Footage in Sacaton: 583 Sq. Ft.

Home Improvement Status	Price per Sq. Ft.	Dwelling Coverage
None or Very Minor Improvements	$161	$93,800
Some Additional Upgrades	$201	$117,250
Major Home Updates or Advancements	$242	$140,700

Calculate Your Sacaton, AZ Dwelling Coverage

The dwelling coverage is calculated by the average cost per square foot ($161) in Sacaton, Arizona times your heated square footage. Which would equal the cost to rebuild your home minus the cost of the property or land. Some homes will have a higher replacement cost due to home improvements like updated kitchens and bathrooms. Other upgrades may include: granite countertops, hardwood floors and stainless steel appliances. The national square foot average to build a brand new home is around 2500 square feet. So if you are looking to build, and your square footage of your new home is 2500, you are looking at a dwelling coverage premium of around $503,125 (Media price to build of $201 x 2500 sq. ft.) to cover the cost to rebuild your new home.

What is the difference between actual cash value and replacement cost value?

Homeowners insurance is available in both actual cash value (ACV) and replacement cost value (RCV). Knowing the difference is important:

Actual cash value: When valuing your personal possessions, an actual cash value policy will take depreciation into account. This means that your 10-year-old TV will be basically worthless according to your insurance company. While an ACV policy tends to be cheaper, if you have to make a claim you may be disappointed in your claim payout.

Replacement cost value: A RCV policy will replace your possessions with brand new items of similar quality regardless of how old they were at the time they were destroyed. While RCV policies are slightly more expensive, they are well worth the cost if you have to make a claim.