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Josh Terranova
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Homeowners insurance suggestions

Josh Terranova
Posted Mar 22 2023, 14:00

Hey guys! Does anyone have any suggestions on homeowners insurance? Just started shopping around and the policies i've seen are a little high 1900-2000 annual. 

Any suggestions would help!

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Ryan Mancuso
  • Real Estate Agent
  • Prescott, AZ
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Ryan Mancuso
  • Real Estate Agent
  • Prescott, AZ
Replied Mar 22 2023, 14:09

I would start with who you use for car insurance. If you don't like their rates, then I would move to an independant insurance broker local to your area.

I would also talk to other people who own homes in the area (neighbors, friends, family, etc) and see what they pay. Maybe it's more in your area because of the heightened risk of natural disaster.

If it's your primary residence, it shouldn't be more than $100 a month. I have a 1500 sf home and its about $60 a month. It also depends on the cost to rebuild it, and any upgrades to the plan you have.

It will be more expensive if it is a rental home, but $1900 annually still sounds high.