Castaic Insurance Rates:

Castaic, CA home insurance is nearly $539 to $731, about $44-$60/month. Our comprehensive analysis indicates shoppers can save as much as $254 by comparing multiple quotes

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Castaic Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
State Farm
Home Insurance Rate of $460/7 months for $350000-$400000 Coverage
Policy Holder Home Details :

Home Value : $410,000

4 Beds, 4 Baths 1970 sqft Primary Residence Constructed In 2003 with Carpet Flooring, Slate Shingles Roof, Chainwall Foundation, Wood siding, Metal Frame Construction. Home Features Include Fire Extinguisher, Swimming Pool, Smoke Alarm, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

64 Years old Single Male who is Retired with household income of $25-50,000 and has 1 Pet and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 650-699 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $100/3 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $265,000

3 Beds, 3 Baths 1520 sqft Rental Property Constructed In 1999 with Stone Flooring, Membrane Roof, Crawl Space Foundation, Fiber-Cement Siding, Metal Frame Construction. Home Features Include Indoor Sprinklers, Fire Extinguisher, Fireplace, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

44 Years old Single Male who has a Full Time Job with household income of more than $150,000 and has No Pets and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 550-599 Credit Score

  • Guests at home

Home Insurance Rate of $450/4 months for $400000-$500000 Coverage
Policy Holder Home Details :

Home Value : $530,000

4 Beds, 4 Baths 2630 sqft Vacation Property Constructed In 1995 with Carpet Flooring, Slate Shingles Roof, Chainwall Foundation, Brick siding, Stucco Construction. Home Features Include Fire Extinguisher, Copper Water Pipes, Central Air Conditioning, Fireplace, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

69 Years old Divorced Male who is Unemployed with household income of less than $25,000 and has No Pets and is a Non-Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 750-799 Credit Score

  • Guests at home

Home Insurance Rate of $530/3 months for $700000-$800000 Coverage
Policy Holder Home Details :

Home Value : $675,000

5 Beds, 5 Baths 3520 sqft Vacation Property Constructed In 2002 with Stone Flooring, Wood Shake Roof, Slab Foundation, Fiber-Cement Siding, Wood Frame. Home Features Include Swimming Pool, Central Air Conditioning, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

47 Years old Married Female who is Unemployed and has 1 Pet and is a Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 500-549 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $910/12 months for $400000-$500000 Coverage
Policy Holder Home Details :

Home Value : $550,000

5 Beds, 5 Baths 2720 sqft Seasonal Residence Constructed In 2013 with Ceramic Tile Flooring, Slate Shingles Roof, Crawl Space Foundation, Stone Siding, Brick Frame. Home Features Include Copper Water Pipes, Indoor Sprinklers, Fire Extinguisher, Fireplace, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

66 Years old Single Female who has a Full Time Job with household income of $50-$75,000 and has 3 Pets and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 750-799 Credit Score

Home Insurance Rate of $240/4 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $275,000

3 Beds, 3 Bath 1480 sqft Seasonal Residence Constructed In 2006 with Linoleum, Wood Shake Roof, Chainwall Foundation, Stone Siding, Stucco Construction. Home Features Include Central Air Conditioning, Fire Extinguisher, Indoor Sprinklers, Copper Water Pipes, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

68 Years old Married Female who is Retired with household income of $25-50,000 and has 3 Pets and is a Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 750-799 Credit Score

  • Guests at home

Home Insurance Rate of $700/10 months for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $350,000

3 Beds, 3 Baths 1800 sqft Primary Residence Constructed In 1994 with Carpet over wood flooring, Asphalt Shingles Roof, Slab Foundation, Vinyl siding, Brick Frame. Home Features Include Fire Extinguisher, Deadbolt Locks, Copper Water Pipes, Indoor Sprinklers, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

50 Years old Single Male who is Unemployed with household income of less than $25,000 and has 3 Pets and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 700-749 Credit Score

  • Seniors staying at home

Home Insurance Rate of $550/2 months for More than 10000000 Coverage
Policy Holder Home Details :

Home Value : $920,000

5 Beds, 5 Baths 4650 sqft Rental Property Constructed In 2012 with Stone Flooring, Metal Roof, Piers Foundation, Wood siding, Stucco Construction. Home Features Include Indoor Sprinklers, Copper Water Pipes, Fire Extinguisher, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

73 Years old Married Female who is a Freelancer with household income of $75-$100,000 and has 2 Pets and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 700-749 Credit Score

  • Guests at home

Home Insurance Rate of $250/2 months for $500000-$600000 Coverage
Policy Holder Home Details :

Home Value : $550,000

5 Beds, 5 Baths 3180 sqft Seasonal Residence Constructed In 2001 with Linoleum, Asphalt Shingles Roof, Piers Foundation, Stucco siding, Metal Frame Construction. Home Features Include Fireplace, Indoor Sprinklers, Swimming Pool, Deadbolt Locks, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

31 Years old Married Male who has a Full Time Job with household income of $75-$100,000 and has No Pets and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • Up to 499 Credit Score

  • Seniors staying at home

  • Guests at home

Castaic, CA Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
91384 $419,900 $650

Castaic Rates & Quotes Analysis:

Castaic Area Estimated House Insurance
Green Hill Dr, N Quail Trl, Gilmour St, W Marion Way, Muledeer Ln, 8N04, Co Hwy N2, Hunter Ln, Liverpool Ct, Shadow Pl$616
Villa Canyon Rd, Rangewood Rd, Cedar Oak Ln, Quartz Ln, Stage Coach Way, N Vista Point Pl, Remington Rd, Oakhorn Ave, Ruby Ln, Burlwood Dr$622
Park Vista Dr, N Alamo Way, W Dakota Dr, Millbrook Pl, Gibraltar Ln, Trl M, Hillcrest Pkwy, Big Oak Ln, N Cowboy Ct, Appalachian$622
Byron Pl, Mallorca Pl, Mohican Dr, Bancroft Pl, Gibraltar Ln, Rainier Rd, Crawford Pl, Skyline Ct, Morning Glory Pl, Albyn Ct$631
Romero-Sloan Cutoff, Elkwood Ln, Cambridge Ave, Pinecliff St, Cartagena Pl, Arrow Point Dr, Sloan Mtwy, Joey Rd, Pso Feliz, Victoria Rd$623

Insurance rates are influenced by a number of factors including:

  • Year Built: 318 Homes (5% of total) built between 1970 to 1979 in Castaic are paying home insurance between $1,029-$1,038 and differs from Hasley Canyon (+$55), Stevenson Ranch (+$42), Moorpark (+$33), Val Verde (-$31) and Santa Clarita (-$10).
  • Bedrooms: 769 2 bedrooms homes (12% of total homes ) in Castaic are paying about $191 and differs from Hasley Canyon (+$10), Santa Susana (+$3), Moorpark (+$6), Val Verde (-$12) and Santa Clarita (-$8).
  • Auto Insurance Bundling: 1,842 Households (38% of all households) in Castaic have 3 or more vehicles available and when it is bundled with home insurance you can save $158. Discounts for similar bundling in close by locations such as Hasley Canyon, Val Verde, Newhall come to $167, $154, $158 respectively.
  • Senior Discounts: 1,324 seniors (more than 55 years) occupied housing units (27% of total) in Castaic get discounts between $94 to $97. The comparative concessions in proximate regions such as Hasley Canyon, Val Verde and Newhall are $100, $92 and $95 respectively.
  • New Homes discounts: New homes such as the 3,466 homes built between 2000 to 2009 in Castaic can save $127 compared to Hasley Canyon ($133), Val Verde ($123), Newhall ($126).

Castaic Homeowners insurance Facts

  • Castaic, CA has 4,726 owner occupied houses which is 81.7% of all units whereas Hasley Canyon, Val Verde and Newhall have 70.52%, 71.27% and 69.91% respectively.
  • Castaic, CA homeowners yearly insurance price at $635 is 0.15% of the typical house value of $424,900 which is in contrast with 0.1% in Hasley Canyon, 0.2% at Val Verde & 0.15% in Newhall.
  • Homeowners in Castaic, CA pay 5.08% of their income ($10,000 to $14,999) in insurance whereas homeowners in Hasley Canyon, Val Verde and Newhall pay 5.35%, 4.93% and 5.07% respectively.
  • Castaic, CA’s insurance is 1.9% of monthly housing costs of $2,826/month, for owners with a mortgage compared to 1.52% in Hasley Canyon, 2.88% at Val Verde & 1.93% in Newhall. But, for households without a mortgage, insurance is 9.7% of costs ($548 in Castaic, CA) in contrast with 7.43% in Hasley Canyon, 13.8% at Val Verde & 8.79% in Newhall.

Castaic, CA Home Values & Insurance rates

For example, insurance for 42 Homes (2.0% of total homes ) valued between $100,000 to $124,999 in Castaic, CA is about $158. Rates in nearby areas in such as Stevenson Ranch, Simi Valley, Santa Susana are cheaper by $40, $5, $16 respectively while Val Verde and Newhall are costlier by $63 and $6 respectively for similar homes.

Castaic, CA Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 37 1.0% $31
$80,000 to $89,999 42 2.0% $127
$100,000 to $124,999 42 2.0% $158
$150,000 to $174,999 44 2.0% $241
$175,000 to $199,999 91 4.0% $279
$200,000 to $249,999 145 7.0% $336
$250,000 to $299,999 423 21.0% $406
$300,000 to $399,999 1,117 56.0% $520

Renters Insurance in Castaic

  • Average Renters Insurance in Castaic :  $124($10/month)

  • Median Gross Rent in Castaic :  $1,400

  • Castaic Renters Insurance to Median Rent Ratio:  0.71%

  • Renter occupied housing units in Castaic :  1,056

Castaic Renters Insurance as a Percentage of Rent

Castaic Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$500 to $749 24 2.0% $1906
$750 to $999 163 15.0% $2656
$1,000 to $1,499 397 37.0% $3781
$1,500 or more 459 43.0% $5431

Protective device discount in Castaic Up to :  $18

Claims-free discount in Castaic Up to :  $24