Home Insurance in Avondale

Avondale, Arizona, is a beautiful place to live, but homeowners should be aware of ownership risks and purchase proper insurance.
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Looking for Home Insurance in Avondale, Arizona

Avondale, Arizona, is a beautiful and vibrant city in Maricopa County. It is a prime destination for NASCAR racing, arts, education, festivals, family entertainment and wildlife watching. As of 2021, the population of the city was 88,065. with a median resident age of 31 years.

The median household income in the city is $69,241, and the median property value is $252,400. The city is young, and many households have children.

Avondale has a typical desert climate: hot and arid. Homeowners can expect to face minimal risks of tornados or severe storm winds. Also, Avondale residents face minor threats of floods. The risks that are more concerning for homeowners are heat and fire.

Heat presents a severe threat to property and residents. As the climate continues to change, Avondale will experience more days where it feels like 100 degrees Fahrenheit or hotter. Also, over the next 30 years, 459 properties in the city might be affected by wildfires. Many affected homes will be residential properties.

The climate risks alone represent a need for home insurance in Avondale. Still, beyond those risks, mortgage lenders are likely to require homeowners to have coverage. Check out VIU by HUB to compare several home insurance policies and coverages.

Other Considerations for Homeowners

When it comes to purchasing home insurance in any neighborhood, it is essential to understand all risks, even those beyond weather. Avondale is only safer than 5% of U.S. neighborhoods. While violent crime rates are comparable to the national average, property crime rates are significantly higher. The national median for property crime is about 19, and Avondale's median is 36.86. The chance of being a victim of a property crime in the city is 1 in 27.

Home insurance in Avondale can help protect homeowners against known and expected perils. VIU by HUB allows you to review several insurance policies to find the one that fits your needs and budget.

Assessing Home Insurance Costs

When looking for home insurance, it is necessary to understand some of the factors that influence premium costs. Population and crime rates are two significant factors.

Avondale is a small city with fewer than 90,000 residents. Low population can sometimes lead to lower insurance premiums because, generally, a smaller population presents fewer risks to the insurer. Unfortunately, Avondale also has a high property crime rate, which may increase premiums.

The average annual rate for home insurance in Avondale is $1,550, a monthly premium of $129, which is about average compared to the state. Check out VIU by HUB to find more specific pricing and estimates from several insurers.

Understanding Home Insurance and Covered Perils

As you review different insurance policies, you will come across the term "covered peril." In the simplest terms, a covered peril is something your insurer provides financial protection against, such as vandalism and theft. The amount of protection you receive for each peril depends on the policy and coverage limit you choose.

Most insurers cover similar property risks and damages. The most common risks include:

  • Fire and smoke damage
  • Malicious mischief
  • Some water damage
  • Windstorms or hail
  • Falling objects

Choosing Home Insurance in Avondale With VIU by HUB

You have many home insurance policies to choose from in Arizona. VIU by HUB can help narrow your options for home insurance in Avondale by allowing you to compare different insurers and offers.


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