El Monte Insurance Rates:

El Monte, CA home insurance is roughly $529 to $717, about $44-$59/month. Our thorough research reveals consumers can save as much as $249 by getting many quotes

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El Monte Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Nationwide Insurance
Home Insurance Rate of $100/1 month for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $375,000

3 Beds, 3 Bath 1930 sqft Rental Property Constructed In 1974 with Hardwood Flooring, Slate Shingles Roof, Piers Foundation, Vinyl siding, Stucco Construction. Home Features Include Fireplace, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

49 Years old Married Female who has a Full Time Job with household income of $75-$100,000 and has More than 3 Pets at home and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 600-649 Credit Score

  • Seniors staying at home

Home Insurance Rate of $330/7 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $220,000

3 Beds, 3 Bath 1280 sqft Rental Property Constructed In 1973 with Stone Flooring, Tile Roof, Piers Foundation, Stone Siding, Metal Frame Construction. Home Features Include Copper Water Pipes, Swimming Pool, Indoor Sprinklers, Central Air Conditioning, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

27 Years old Divorced Female who is Unemployed with household income of less than $25,000 and has More than 3 Pets at home and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 650-699 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $350/3 months for $400000-$500000 Coverage
Policy Holder Home Details :

Home Value : $355,000

3 Beds, 3 Bath 2170 sqft Rental Property Constructed In 1973 with Wood Flooring, Composition Roof, Slab Foundation, Stucco siding, Brick Frame. Home Features Include Fire Extinguisher, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

60 Years old Married Male who has a Full Time Job with household income of less than $25,000 and has 3 Pets and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 550-599 Credit Score

  • Seniors staying at home

Home Insurance Rate of $350/10 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $235,000

2 Beds, 2 Bath 1600 sqft Primary Residence Constructed In 1996 with Wood Flooring, Tile Roof, Slab Foundation, Fiber-Cement Siding, Wood Frame. Home Features Include Copper Water Pipes, Fireplace, Indoor Sprinklers, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

54 Years old Single Male who has a Part Time Job with household income of less than $25,000 and has 3 Pets and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 650-699 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $210/2 months for $250,000-$300,000 Coverage
Policy Holder Home Details :

Home Value : $390,000

3 Beds, 3 Baths 1536 sqft Primary Residence Constructed In 1955 with Ceramic Tile Flooring, Shingles Roof, Piers Foundation, Brick siding, Stucco Construction. Home Features Include Deadbolt Locks, Fireplace, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

68 Years old Married Male who is Retired and has 3 Pets and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 650-699 Credit Score

  • Seniors staying at home

El Monte, CA Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
91731 $355,300 $630
91732 $346,700 $630

El Monte Rates & Quotes Analysis:

El Monte Area Estimated House Insurance
Basye St, Prestwick St, Adelia Ave, Silverbay Ave, Lexham Ave, Key West St, Richwood Ave, Maxson Pl, Sitka St, Conference St$622
Fratus Dr, Felipe St, Fineview St, Ellis Ln, Aerojet Ave, Harnett Ave, Coffield Ave, Encanto Way, Federal Dr, Fineview St$654
Bunker Ave, Landseer St, Cortada St, Freer St, Weaver Ave, San Rio St, Allgeyer Ave, Apollo Ave, Civic St, Monte Vis$643
The Wye St, Hammill Rd, Concert St, Esto Ave, Lee Ln, Hoyt Park Pl, Halifax Rd, Kale St, Burkett Rd, Bodger St$621
Luder Ave, Marybeth Ave, Baseball Ave, Cedar Cir, Brockway St, Silverbay Ave, Edwards Ave, Exline St, Zadell Dr, Abilene St$641

Insurance rates are influenced by a number of factors including:

  • Year Built: 7,544 Homes (25% of total) built between 1950 to 1959 in El Monte are paying home insurance between $1,174-$1,183 and varies from North El Monte (+$30), Temple City (+$62), Upper San Gabriel Valley (+$39), Baldwin Park (-$21) and West Puente Valley (-$13).
  • Bedrooms: 10,739 2 bedrooms homes (37% of total homes ) in El Monte are paying about $188. Areas near to El Monte such as Temple City, Rosemead, Arcadia are costlier by $3, $4, $13 respectively whereas South El Monte and Avocado Heights are more economical by $7, $5 respectively for similar homes.
  • Auto Insurance Bundling: 4,469 Households (38% of all households) in El Monte have 2 vehicles available and when it is bundled with home insurance you can save $124 and varies from North El Monte ($128), South El Monte ($124), Temple City ($131).
  • Senior Discounts: 5,443 seniors (more than 55 years) occupied housing units (47% of total) in El Monte get discounts between $93 to $95 and differs from North El Monte ($96), South El Monte ($93), Temple City ($98).
  • New Homes discounts: New homes such as the 11,957 homes built between 2000 to 2009 in El Monte can save $124 and similar new home insurance discounts in nearby towns and cities like North El Monte, South El Monte and Temple City are $128, $124 and $131 respectively.

El Monte Homeowners insurance Facts

  • El Monte, CA has 11,510 owner occupied houses which is 40.8% of all units whereas North El Monte, South El Monte and Temple City have 70.33%, 52.23% and 63.76% respectively.
  • El Monte, CA homeowners yearly insurance price at $624 is 0.18% of the typical house value of $352,800 which is in contrast with 0.14% in North El Monte, 0.18% at South El Monte & 0.12% in Temple City.
  • Homeowners in El Monte, CA pay 2.27% of their income ($25,000 to $29,999) in insurance whereas homeowners in North El Monte, South El Monte and Temple City pay 2.33%, 2.26% and 2.39% respectively.
  • El Monte, CA’s insurance is 2.8% of monthly housing costs of $1,880/month, for owners with a mortgage compared to 2.26% in North El Monte, 2.87% at South El Monte & 2.3% in Temple City. But, for households without a mortgage, insurance is 13.3% of costs ($392 in El Monte, CA) in contrast with 18.58% in North El Monte, 17.28% at South El Monte & 11.35% in Temple City.

El Monte, CA Home Values & Insurance rates

For example, insurance for 3,965 Homes (51.0% of total homes ) valued between $300,000 to $399,999 in El Monte, CA is about $617. Rates in nearby areas in such as North El Monte, Temple City, Upper San Gabriel Valley are cheaper by $131, $216, $165 respectively while South El Monte and Baldwin Park are costlier by $17 and $113 respectively for similar homes.

El Monte, CA Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 709 9.0% $43
$150,000 to $174,999 181 2.0% $287
$200,000 to $249,999 974 12.0% $393
$250,000 to $299,999 1,425 18.0% $486
$300,000 to $399,999 3,965 51.0% $617

Renters Insurance in El Monte

  • Average Renters Insurance in El Monte :  $149($12/month)

  • Median Gross Rent in El Monte :  $1,064

  • El Monte Renters Insurance to Median Rent Ratio:  1.13%

  • Average household size of renter-occupied unit :  3.94

El Monte Renters Insurance as a Percentage of Rent

El Monte Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 186 1.0% $787
$300 to $499 447 2.0% $1237
$500 to $749 1,676 10.0% $1912
$750 to $999 4,620 28.0% $2662
$1,000 to $1,499 6,832 42.0% $3787
$1,500 or more 2,434 14.0% $5437

Rent Affordability in El Monte:

Approximately 56.0% (9,350) of households are spending more than 35% of their income on gross rent in El Monte

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 1,138 6.0%
15.0 to 19.9 percent 1,201 7.0%
20.0 to 24.9 percent 1,650 9.0%
25.0 to 29.9 percent 1,769 10.0%
30.0 to 34.9 percent 1,568 9.0%
35.0 percent or more 9,350 56.0%

El Monte Renters Insurance Discounts:

El Monte Renters Insurance Discounts by Number of Vehicles in Renter Occupied Housing Units

Number of Vehicles in El Monte, CA Number of Housing Units % of Total Renters Insurance Insurance Savings by Bundling Auto Insurance
1 vehicle available 7,025 42.0% $14.9
2 vehicles available 4,981 29.0% $22.35
3 or more vehicles available 2,514 15.0% $29.8

Protective device discount in El Monte Up to :  $22

Claims-free discount in El Monte Up to :  $29