Home Insurance in Yuma, AZ
Enjoy peace of mind while protecting your investment by comparing rates for home insurance in Yuma, AZ, with VIU by HUB.
Yuma was one of the first places in what is now the United States that Europeans visited, and current residents can spend days enjoying historic attractions in the surrounding area. The area also boasts family-friendly attractions like West Wetlands Park, home to Yuma's annual balloon festival and the awesomely accessible Stewart Vincent Wolfe Memorial Playground.
Just over 98,000 people call Yuma home, and about 63.8% of the city's houses are owner-occupied. The average home value in the city is $157,300. which is substantially less than the national average. That makes Yuma an attractive and affordable place to call home. Its title as the sunniest place in the U.S. doesn't hurt, either.
The mighty Colorado River welcomes visitors and residents to Yuma, but it doesn't create much of a flood risk. In fact, several dam projects create ample opportunities for recreation, and irrigation systems divert the river's water to create fertile cropland for large-scale agricultural operations. What can be dangerous, however, is the flash floods that pop up during intense monsoon storms.
The average cost of home insurance in Yuma, AZ, is $1,370 per year or $114 per month. That is generally lower than both Arizona and national averages, making it an affordable place to insure a home. Average rates assume a homeowner with good credit and a clean claims history. You may pay more or less depending on several factors, including:
Most Yuma homeowners will find that a standard home policy offers sufficient coverage. In general, these policies cover losses such as fire, theft, vandalism and severe weather risks. They also provide liability insurance that pays for legal and medical costs if someone suffers an injury or property damage on your property.
As with other cities in the far southwest United States, Yuma has a higher-than-average risk of wildfires. More than half of the city's homes are at risk of fire damage in the next 30 years. Special building materials, including concrete construction and fire-resistant roofing, can help reduce the impact of these events on your home. Because of the high risk of fire in the area, it is important to check your policy to ensure coverage for that peril.
VIU by HUB can help you compare quotes to ensure you have affordable home insurance in Yuma, AZ, that includes coverage for the most likely risks.
This information is intended for general informational purposes only and is not intended to constitute legal advice.
