Escondido Insurance Rates:

Escondido, CA home insurance is about $527 to $714, about $43-$59/month. Our detailed research shows customers can save upto $248 by comparing different quotes

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Escondido Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Travelers
Home Insurance Rate of $230/3 months for $350000-$400000 Coverage
Policy Holder Home Details :

Home Value : $330,000

4 Beds, 4 Baths 1960 sqft Primary Residence Constructed In 2002 with Linoleum, Composition Roof, Chainwall Foundation, Fiber-Cement Siding, Stucco Construction. Home Features Include Swimming Pool, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

23 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 :
  • 75-100% Mortgage Paid off

  • 600-649 Credit Score

  • Guests at home

Home Insurance Rate of $520/10 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $185,000

2 Beds, 2 Bath 920 sqft Rental Property Constructed In 2009 with Wood Flooring, Metal Roof, Slab Foundation, Stucco siding, Brick Frame. Home Features Include Indoor Sprinklers, Swimming Pool, Copper Water Pipes, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

30 Years old Divorced Male who is a Freelancer with household income of more than $150,000 and has 1 Pet and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 700-749 Credit Score

  • Guests at home

Home Insurance Rate of $110/3 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $210,000

3 Beds, 3 Bath 1400 sqft Seasonal Residence Constructed In 1974 with Linoleum, Asphalt Shingles Roof, Slab Foundation, Fiber-Cement Siding, Brick Frame. Home Features Include Fireplace, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

47 Years old Single Male who is Unemployed and has More than 3 Pets at home and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 750-799 Credit Score

  • Guests at home

Home Insurance Rate of $200/3 months for $600000-$700000 Coverage
Policy Holder Home Details :

Home Value : $630,000

5 Beds, 5 Baths 3830 sqft Rental Property Constructed In 1981 with Stone Flooring, Asphalt Shingles Roof, Slab Foundation, Wood siding, Stucco Construction. Home Features Include Deadbolt Locks, Swimming Pool, Central Air Conditioning, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

40 Years old Divorced Male who has a Full Time Job with household income of more than $150,000 and has 2 Pets and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 600-649 Credit Score

  • Seniors staying at home

Home Insurance Rate of $110/3 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $165,000

2 Beds, 2 Bath 980 sqft Primary Residence Constructed In 1986 with Carpet over wood flooring, Shingles Roof, Crawl Space Foundation, Brick siding, Brick Frame. Home Features Include Fire Extinguisher, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

27 Years old Single Female who has a Part Time Job 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

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $820/9 months for $350,000-$400,000 Coverage
Policy Holder Home Details :

Home Value : $320,000

3 Beds, 3 Baths 1222 sqft Primary Residence Constructed In 1994 with Hardwood Flooring, Slate Shingles Roof, Chainwall Foundation, Stone Siding, Metal Frame Construction. Home Features Include Fireplace, Swimming Pool, Fire Extinguisher, Copper Water Pipes, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

44 Years old Married Female who has a Part Time Job with household income of $25-50,000 and has 3 Pets and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 600-649 Credit Score

  • Seniors staying at home

  • Guests at home

Escondido, CA Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
92029 $503,900 $660
92025 $412,600 $630
92026 $368,300 $640
92027 $320,400 $620

Escondido Rates & Quotes Analysis:

Escondido Area Estimated House Insurance
Hidden Meadows Rd, Jacks Creek Pl, Burned Oak Ter, Graham Pl, Darling Dr, Summit Ln, San Roque Dr, Windyridge Glen, Kiwi Meadow Ln, W 13th Ave$656
3rd Pl, Grand Ct, Singingwood Pl, W 2nd Ave, Saint Sava Pl, Normandy Glen, Rhea Glen, Miller Ave, Alps Ter, Hidden Oaks Ln$636
Seven Oakes Rd, W 2nd Ave, Pickett Glen, Largo Ln, Linsay Pl, Moody Dr, E 14th Ave, E 4th Ave, Foxfire Ct, Tierra de Dios$623
Ave Amorosa, Wyndemere Ct, Las Villas Way, Cherry Pl, Owl Glen, Felicita Ln, Cll Ladera, Norway Ct, Cerveza Dr, Chandler Ct$640
Sprucewood Ln, N Escondido Blvd, Cloverdale Rd, Aspen Glen, Seco Glen, Brookhollow Glen, Oakwood Creek Pl, Erica St, Cmt A Casa, Charise St$639
Anka Ln, Lake Dr, Angeles Glen, Craigmore Ave, el Cielo Ln, Morning View Dr, Alexander Dr, Douglaston Gln, Gabler Dr, Morning Mist Glen$627
Johnston Glen, Bracero Pl, Excitation Glen, Venice Glen, Don Lee Pl, Ginger Way, Camellia St, High Mountain Dr, Pamoosa Ln, Century Way$622
Tanglewood Ln, Cam Hermosa, Conifer Glen, Borra Pl, Ontario St, Cedar Way, Double K Rd, Industrial St, Aliso Pl, la Mirada Way$622
Crestwind Dr, Pear Blossom Pl, E 17th Ave, Stone Valley Pl, Queenston Dr, Prairiestone Way, Trijullo Trl, Via Ramon, High Vista Dr, S Elm St$641
Colley Ln, Superior St, Cerveza Baja Dr, Bancroft Glen, Center Stage Glen, Idaho Ter, Aero Way, Viletta Dr, Woodglen Pl, Wynwood Ct$612

Insurance rates are influenced by a number of factors including:

  • Year Built: 14,892 Homes (31% of total homes ) built between 1970 to 1979 in Escondido are paying home insurance between $1,007-$1,016. Places close to Escondido, CA such as Oceanside-Escondido, Hidden Meadows, Lake San Marcos are more expensive by $16, $55, $29 respectively while Winter Gardens and Aguanga are cheaper by $12 and $48 respectively for similar homes.
  • Bedrooms: 16,588 2 bedrooms homes (35% of total homes ) in Escondido are paying about $181 and varies from San Marcos (+$8), Oceanside-Escondido (+$9), Hidden Meadows (+$16), Aguanga (-$3) and Wildomar (-$5).
  • Auto Insurance Bundling: 10,120 Households (43% of all households) in Escondido have 2 vehicles available and when it is bundled with home insurance you can save $124. Discounts for similar bundling in close by locations such as San Marcos, Oceanside-Escondido, Hidden Meadows come to $125, $126, $131 respectively.
  • Senior Discounts: 10,631 seniors (more than 55 years) occupied housing units (46% of total) in Escondido get discounts between $92 to $95 in contrast with San Marcos ($94), Hidden Meadows ($98), Lake San Marcos ($95).
  • New Homes discounts: New homes such as the 11,984 homes built between 2000 to 2009 in Escondido can save $124 and similar new home insurance discounts in nearby towns and cities like San Marcos, Oceanside-Escondido and Hidden Meadows are $125, $126 and $131 respectively.

Escondido Homeowners insurance Facts

  • Escondido, CA has 23,091 owner occupied houses which is 51.9% of all units whereas San Marcos, Oceanside-Escondido and Hidden Meadows have 61.19%, 59.04% and 94.83% respectively.
  • Escondido, CA homeowners yearly insurance price at $621 is 0.19% of the typical house value of $335,200 which is in contrast with 0.17% in San Marcos, 0.16% at Oceanside-Escondido & 0.12% in Hidden Meadows.
  • Homeowners in Escondido, CA pay 2.76% of their income ($20,000 to $24,999) in insurance whereas homeowners in San Marcos, Oceanside-Escondido and Lake San Marcos pay 2.79%, 2.8% and 2.84% respectively.
  • Escondido, CA’s insurance is 2.4% of monthly housing costs of $2,195/month, for owners with a mortgage compared to 2.03% in San Marcos, 2.16% at Oceanside-Escondido & 1.96% in Hidden Meadows. But, for households without a mortgage, insurance is 11.4% of costs ($456 in Escondido, CA) in contrast with 12.24% in San Marcos, 10.52% at Oceanside-Escondido & 8.2% in Hidden Meadows.

Escondido, CA Home Values & Insurance rates

For example, insurance for 807 Homes (5.0% of total homes ) valued between $150,000 to $174,999 in Escondido, CA is about $298. Rates in nearby areas in such as San Marcos, Oceanside-Escondido, Hidden Meadows are cheaper by $29, $40, $109 respectively while Santee and Lakeside are costlier by $5 and $5 respectively for similar homes.

Escondido, CA Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 1,246 8.0% $43
$60,000 to $69,999 178 1.0% $117
$70,000 to $79,999 153 1.0% $136
$80,000 to $89,999 236 1.0% $155
$90,000 to $99,999 241 1.0% $173
$100,000 to $124,999 460 3.0% $198
$125,000 to $149,999 316 2.0% $254
$150,000 to $174,999 807 5.0% $298
$175,000 to $199,999 798 5.0% $341
$200,000 to $249,999 2,059 13.0% $416
$250,000 to $299,999 3,029 20.0% $509
$300,000 to $399,999 5,357 35.0% $645

Renters Insurance in Escondido

  • Average Renters Insurance in Escondido :  $155($12/month)

  • Median Gross Rent in Escondido :  $1,171

  • Escondido Renters Insurance to Median Rent Ratio:  1.02%

  • Renter occupied housing units in Escondido :  21,383

Escondido Renters Insurance as a Percentage of Rent

Escondido Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 315 1.0% $788
$300 to $499 596 2.0% $1238
$500 to $749 870 4.0% $1913
$750 to $999 4,226 20.0% $2663
$1,000 to $1,499 10,461 49.0% $3788
$1,500 or more 4,563 21.0% $5438

Protective device discount in Escondido Up to :  $23

Claims-free discount in Escondido Up to :  $31

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