Gardena Insurance Rates:

Gardena, CA home insurance is about $529 to $718, about $44-$59/month. Our detailed analysis indicates shoppers can save upto $249 by getting multiple quotes

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Gardena Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Travelers
Home Insurance Rate of $540/9 months for $350000-$400000 Coverage
Policy Holder Home Details :

Home Value : $425,000

4 Beds, 4 Bath 2080 sqft Rental Property Constructed In 1962 with Wood Flooring, Tile Roof, Chainwall Foundation, Wood siding, Wood Frame. Home Features Include Swimming Pool, Deadbolt Locks, Fire Extinguisher, Fireplace, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

25 Years old Single Female who has a Part Time Job with household income of $25-50,000 and has More than 3 Pets at home and is a Non-Smoker

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

  • 750-799 Credit Score

  • Seniors staying at home

Home Insurance Rate of $160/4 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $300,000

2 Beds, 2 Bath 1430 sqft Primary Residence Constructed In 1982 with Carpet Flooring, Tile Roof, Slab Foundation, Stone Siding, Metal Frame Construction. Home Features Include Central Air Conditioning, Copper Water Pipes, Indoor Sprinklers, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

42 Years old Single Female who has a Full Time Job with household income of $25-50,000 and has More than 3 Pets at home and is a Non-Smoker

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

  • 500-549 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $50/1 month for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $305,000

3 Beds, 3 Bath 1940 sqft Vacation Property Constructed In 1974 with Carpet Flooring, Metal Roof, Chainwall Foundation, Vinyl siding, Wood Frame. Home Features Include Smoke Alarm, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

34 Years old Single Male who has a Full 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

  • 500-549 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $440/9 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $285,000

2 Beds, 2 Bath 1410 sqft Primary Residence Constructed In 1985 with Carpet over wood flooring, Composition Roof, Piers Foundation, Stucco siding, Stucco Construction. Home Features Include Smoke Alarm, Deadbolt Locks, Indoor Sprinklers, Fire Extinguisher, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

62 Years old Divorced Male who is a Freelancer with household income of $50-$75,000 and has 2 Pets and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 800-850 Credit Score

  • Seniors staying at home

Home Insurance Rate of $740/9 months for $500000-$600000 Coverage
Policy Holder Home Details :

Home Value : $470,000

4 Beds, 4 Baths 3020 sqft Primary Residence Constructed In 1988 with Carpet Flooring, Membrane Roof, Piers Foundation, Brick siding, Metal Frame Construction. Home Features Include Indoor Sprinklers, Smoke Alarm, Central Air Conditioning, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

50 Years old Single Female who is Unemployed with household income of less than $25,000 and has 1 Pet and is a Smoker

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

  • 600-649 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $210/4 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $285,000

3 Beds, 3 Baths 1990 sqft Rental Property Constructed In 1951 with Ceramic Tile Flooring, Metal Roof, Piers Foundation, Brick siding, Wood Frame. Home Features Include Deadbolt Locks, Swimming Pool, Fire Extinguisher, Copper Water Pipes, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

39 Years old Divorced Male who has a Full Time Job with household income of $100-$150,000 and has 3 Pets and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 550-599 Credit Score

  • Seniors staying at home

Home Insurance Rate of $190/3 months for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $305,000

3 Beds, 3 Bath 1460 sqft Primary Residence Constructed In 1966 with Linoleum, Wood Shake Roof, Crawl Space Foundation, Fiber-Cement Siding, Metal Frame Construction. Home Features Include Central Air Conditioning, Indoor Sprinklers, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

36 Years old Single Male 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

  • 650-699 Credit Score

  • Guests at home

Home Insurance Rate of $430/12 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $165,000

2 Beds, 2 Bath 970 sqft Primary Residence Constructed In 1991 with Ceramic Tile Flooring, Asphalt Shingles Roof, Slab Foundation, Brick siding, Brick Frame. Home Features Include Swimming Pool, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

66 Years old Married Female who is Retired with household income of less than $25,000 and has No Pets and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 500-549 Credit Score

  • Seniors staying at home

Gardena, CA Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
90248 $382,600 $640
90249 $377,600 $630
90247 $349,500 $630

Gardena Rates & Quotes Analysis:

Gardena Area Estimated House Insurance
Galaxy Pl, Nuanu Dr, Apollo Pl, S Dalton Ave, 141st Pl, W 172nd St, 155th Ct, W 186th St, W 146th Pl, Sutro Ave$623
Pebblecreek Way, Van Buren Ct, W 154th Pl, W 185th St, Arcturus Ave, Stonecreek Ln, Amethyst Cir, Dublin Ave, Opal Way, Komori Cir$622
Cobblestone Ln, W 165th Pl, Arcturus Ave, W 150th St, W 141st Pl, Wadkins Ave, 141st Pl, 156th Ct, Harvard Pl, 172nd Pl$617
W 183rd St, Venus Pl, W 143rd Pl, Jupiter Pl, W 167th St, W 180th St, W 145th Pl, W 150th St, Daleside Ave, Electric St$622
Saint Andrews Pl, Merit Park Dr, W 170th St, Ruthelen Ave, W 165th Pl, Kingsley Dr, S Dalton Ave, Garnet Ln, W 150th St, 144th Pl$618

Insurance rates are influenced by a number of factors including:

  • Year Built: 6,816 Homes (30% of total homes ) built between 1950 to 1959 in Gardena are paying home insurance between $1,174-$1,183. Places close to Gardena, CA such as Alondra Park, Hawthorne, Del Aire are more expensive by $20, $16, $31 respectively while West Rancho Dominguez and Westmont are cheaper by $27 and $11 respectively for similar homes.
  • Bedrooms: 3,975 1 bedroom homes (18% of total homes ) in Gardena are paying about $175. Areas near to Gardena such as Alondra Park, Inglewood, Hawthorne are costlier by $4, $7, $3 respectively whereas West Rancho Dominguez and Willowbrook are more economical by $4, $5 respectively for similar homes.
  • Auto Insurance Bundling: 3,793 Households (37% of all households) in Gardena 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 Alondra Park, West Athens, West Rancho Dominguez come to $127, $125, $122 respectively.
  • Senior Discounts: 5,397 seniors (more than 55 years) occupied housing units (53% of total) in Gardena get discounts between $93 to $95 and differs from Alondra Park ($95), West Athens ($93), West Rancho Dominguez ($91).
  • New Homes discounts: New homes such as the 9,024 homes built between 2000 to 2009 in Gardena can save $124 and varies from Alondra Park ($127), West Athens ($125), West Rancho Dominguez ($122).

Gardena Homeowners insurance Facts

  • Gardena, CA has 10,107 owner occupied houses which is 48.2% of all units whereas Alondra Park, West Athens and West Rancho Dominguez have 52.83%, 46.53% and 60.08% respectively.
  • Gardena, CA homeowners yearly insurance price at $624 is 0.18% of the typical house value of $354,600 which is in contrast with 0.15% in Alondra Park, 0.17% at West Athens & 0.22% in West Rancho Dominguez.
  • Homeowners in Gardena, CA pay 1.66% of their income ($35,000 to $39,999) in insurance whereas homeowners in Alondra Park, West Athens and West Rancho Dominguez pay 1.7%, 1.67% and 1.63% respectively.
  • Gardena, CA’s insurance is 2.6% of monthly housing costs of $2,032/month, for owners with a mortgage compared to 2.44% in Alondra Park, 2.52% at West Athens & 2.91% in West Rancho Dominguez. But, for households without a mortgage, insurance is 13.8% of costs ($377 in Gardena, CA) in contrast with 13.18% in Alondra Park, 13.95% at West Athens & 15.74% in West Rancho Dominguez.

Gardena, CA Home Values & Insurance rates

For example, insurance for 222 Homes (3.0% of total homes ) valued between $175,000 to $199,999 in Gardena, CA is about $324. Rates in nearby areas in such as Alondra Park, West Athens, Inglewood are cheaper by $51, $5, $5 respectively while West Rancho Dominguez and Westmont are costlier by $90 and $35 respectively for similar homes.

Gardena, CA Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 843 12.0% $43
$50,000 to $59,999 72 1.0% $87
$100,000 to $124,999 74 1.0% $193
$150,000 to $174,999 196 3.0% $280
$175,000 to $199,999 222 3.0% $324
$200,000 to $249,999 626 9.0% $393
$250,000 to $299,999 1,040 15.0% $480
$300,000 to $399,999 3,239 49.0% $611

Renters Insurance in Gardena

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

  • Median Gross Rent in Gardena :  $1,085

  • Gardena Renters Insurance to Median Rent Ratio:  1.11%

  • Average household size of renter-occupied unit :  2.62

Gardena Renters Insurance as a Percentage of Rent

Gardena Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$300 to $499 199 1.0% $1237
$500 to $749 1,055 9.0% $1912
$750 to $999 2,775 26.0% $2662
$1,000 to $1,499 4,763 44.0% $3787
$1,500 or more 1,657 15.0% $5437

Rent Affordability in Gardena:

Approximately 50.0% (5,433) of households are spending more than 35% of their income on gross rent in Gardena

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 956 8.0%
15.0 to 19.9 percent 1,407 12.0%
20.0 to 24.9 percent 808 7.0%
25.0 to 29.9 percent 1,476 13.0%
30.0 to 34.9 percent 784 7.0%
35.0 percent or more 5,433 50.0%

Gardena Renters Insurance Discounts:

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

Number of Vehicles in Gardena, CA Number of Housing Units % of Total Renters Insurance Insurance Savings by Bundling Auto Insurance
1 vehicle available 5,534 50.0% $14.9
2 vehicles available 3,038 27.0% $22.35
3 or more vehicles available 901 8.0% $29.8

Gardena Senior Citizen Discounts:

Age Senior Occupied Housing Units % of Total Discount offered
55 to 59 years 832 7.0% $108
60 to 64 years 791 7.0% $86
65 to 74 years 848 7.0% $70
75 years and over 817 7.0% $54

Protective device discount in Gardena Up to :  $22

Claims-free discount in Gardena Up to :  $29

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