Mission Viejo Insurance Rates:

Mission Viejo, CA home insurance is nearly $560 to $759, about $46-$63/month. Our complete analysis indicates shoppers can save upto $264 by getting different quotes

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Mission Viejo, California Homeowners Insurance Reviews separate truth from fantasy. Compare realistic quotes from the most best home insurance providers.

Mission Viejo Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Travelers
Home Insurance Rate of $540/5 months for $500000-$600000 Coverage
Policy Holder Home Details :

Home Value : $425,000

3 Beds, 3 Bath 1560 sqft Vacation Property Constructed In 1982 with Linoleum, Metal Roof, Crawl Space Foundation, Fiber-Cement Siding, Wood Frame. Home Features Include Fire Extinguisher, Fireplace, Swimming Pool, Copper Water Pipes, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

52 Years old Divorced Male who has a Full Time Job with household income of $100-$150,000 and has No 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 $800/8 months for $600000-$700000 Coverage
Policy Holder Home Details :

Home Value : $520,000

3 Beds, 3 Baths 1970 sqft Vacation Property Constructed In 2000 with Carpet over wood flooring, Metal Roof, Slab Foundation, Stucco siding, Stucco Construction. Home Features Include Deadbolt Locks, Fire Extinguisher, Swimming Pool, Indoor Sprinklers, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

31 Years old Married Male who is Unemployed and has 2 Pets and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 650-699 Credit Score

  • Guests at home

Home Insurance Rate of $920/7 months for $500000-$600000 Coverage
Policy Holder Home Details :

Home Value : $470,000

3 Beds, 3 Bath 1970 sqft Seasonal Residence Constructed In 2003 with Carpet over wood flooring, Tile Roof, Chainwall Foundation, Fiber-Cement Siding, Wood Frame. Home Features Include Fireplace, Copper Water Pipes, Smoke Alarm, Indoor Sprinklers, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

47 Years old Divorced Male who has a Full Time Job with household income of $100-$150,000 and has 1 Pet and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 650-699 Credit Score

Home Insurance Rate of $170/1 month for $600000-$700000 Coverage
Policy Holder Home Details :

Home Value : $805,000

5 Beds, 5 Baths 3660 sqft Vacation Property Constructed In 2011 with Wood Flooring, Wood Shake Roof, Piers Foundation, Brick siding, Stucco Construction. Home Features Include Central Air Conditioning, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

54 Years old Divorced Female who is a Freelancer with household income of less than $25,000 and has 3 Pets and is a Smoker

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

  • 700-749 Credit Score

Home Insurance Rate of $480/10 months for $400000-$500000 Coverage
Policy Holder Home Details :

Home Value : $515,000

4 Beds, 4 Baths 1690 sqft Seasonal Residence Constructed In 2004 with Linoleum, Asphalt Shingles Roof, Crawl Space Foundation, Brick siding, Stucco Construction. Home Features Include Swimming Pool, Fire Extinguisher, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

54 Years old Married 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 :
  • 50-75% Mortgage Paid off

  • Up to 499 Credit Score

  • Guests at home

Home Insurance Rate of $640/4 months for $700000-$800000 Coverage
Policy Holder Home Details :

Home Value : $900,000

5 Beds, 5 Baths 2920 sqft Vacation Property Constructed In 1987 with Carpet Flooring, Asphalt Shingles Roof, Crawl Space Foundation, Vinyl siding, Wood Frame. Home Features Include Central Air Conditioning, Smoke Alarm, Deadbolt Locks, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

49 Years old Married Male who is a Freelancer with household income of $25-50,000 and has 3 Pets 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 $1250/10 months for $500000-$600000 Coverage
Policy Holder Home Details :

Home Value : $570,000

4 Beds, 4 Baths 2210 sqft Vacation Property Constructed In 2011 with Carpet over wood flooring, Slate Shingles Roof, Chainwall Foundation, Stucco siding, Stucco Construction. Home Features Include Deadbolt Locks, Smoke Alarm, Indoor Sprinklers, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

34 Years old Married Female who is Unemployed with household income of less than $25,000 and has 2 Pets and is a Non-Smoker

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

  • 500-549 Credit Score

  • Guests at home

Home Insurance Rate of $260/2 months for $500,000-$600,000 Coverage
Policy Holder Home Details :

Home Value : $595,000

3 Beds, 3 Baths 1805 sqft Primary Residence Constructed In 1981 with Linoleum, Asphalt Shingles Roof, Chainwall Foundation, Stone Siding, Brick Frame. Home Features Include Copper Water Pipes, Smoke Alarm, Deadbolt Locks, Fireplace, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

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

Additional Details :
  • 50-75% Mortgage Paid off

  • Up to 499 Credit Score

Mission Viejo, CA Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
92692 $585,900 $670
92675 $560,700 $660
92691 $534,600 $670

Mission Viejo Rates & Quotes Analysis:

Mission Viejo Area Estimated House Insurance
Malaga Ln, Cenajo, Via Cristobal, Joshua Dr, Papagayo Dr, Begonia Pl, Tomahawk St, Wheaton Ter, Esquina, Via Plumaso$696
Medra, Patina Ln, Palmetto Pl, Livington Pl, Daylily, Westover Cir, Bosque, Portola, Pisano St, Cordova Rd$650
Cll Estilo Nuevo, Labrusca, Village Rd, Songview, Marquette, Rosenbaum Rd, Palisades, Chestnut, Via Homes, Lanuza$668
Evening Canyon Rd, Corte Aljibe, Roneo, St Annes, Carnation, Lobelia, Patina Ln, la Roda, Lewiston Ct, Cambridge Rd$640
Perales, Santa Fe, Verdura Cir, Briarwood Ln, Strawberry Ln, Via Cancion, Lagrima, Via Nuez, Via Latigo, Raintree Ln$660
Devonshire, Dellwood, Galeria, Valpariso Dr, Rocinante, Outpost Rd, Ali Ln, Via Pamplona, Via San Gil, Evergreen Rd$657
Marino, Ganso, Tradition Ln, Ameno, Orangewood Rd, Via Clemente, Via Balsa, Michael Rd, Silverbay Dr, Minford Cir$656
Carmenita Ln, el Balazo, Valmont Way, Alcott St, Pso Nicole, Via el Rocio, Castletree, Belleza Cir, Garage Aly, Via Falda$652
Cornelius Dr, Via Rodrigo, Amurro Dr, Legacy Way, Morningstar, Ferrensby Way, Via Pimiento, Baronet, Dove Canyon Dr, Poco Pl$595
Via Halcon, Prothero, Ave de Las Banderas, Puerta de Luz, Harmony Hall Ct, Islay, Formentor, Bellogente, Sugarcane Ln, Las Nieves$605

Insurance rates are influenced by a number of factors including:

  • Year Built: 18,797 Homes (23% of total) built between 1980 to 1989 in Mission Viejo are paying home insurance between $985-$995 and varies from Coto de Caza (+$75), Ladera Ranch (+$10), Laguna Niguel (+$23), Rancho Santa Margarita (-$13) and Aliso Viejo (-$26).
  • Bedrooms: 24,550 3 bedrooms homes (31% of total homes ) in Mission Viejo are paying about $245 compared to Las Flores (+$8), Coto de Caza (+$19), Ladera Ranch (+$9), Lake Forest (-$5) and Laguna Woods (-$17).
  • Auto Insurance Bundling: 28,466 Households (49% of all households) in Mission Viejo have 2 vehicles available and when it is bundled with home insurance you can save $132. Discounts for similar bundling in close by locations such as Las Flores, Coto de Caza, Ladera Ranch come to $133, $142, $133 respectively.
  • Senior Discounts: 22,461 seniors (more than 55 years) occupied housing units (39% of total) in Mission Viejo get discounts between $98 to $101. The comparative concessions in proximate regions such as Las Flores, Coto de Caza and Ladera Ranch are $99, $106 and $100 respectively.
  • New Homes discounts: New homes such as the 35,505 homes built between 2000 to 2009 in Mission Viejo can save $132 and varies from Las Flores ($133), Coto de Caza ($142), Ladera Ranch ($133).

Mission Viejo Homeowners insurance Facts

  • Mission Viejo, CA has 57,391 owner occupied houses which is 76.1% of all units whereas Las Flores, Coto de Caza and Ladera Ranch have 76.82%, 91.65% and 71.9% respectively.
  • Mission Viejo, CA homeowners yearly insurance price at $660 is 0.11% of the typical house value of $579,000 which is in contrast with 0.11% in Las Flores, 0.08% at Coto de Caza & 0.11% in Ladera Ranch.
  • Homeowners in Mission Viejo, CA pay 2.03% of their income ($30,000 to $34,999) in insurance whereas homeowners in Coto de Caza, Ladera Ranch and Rancho Santa Margarita pay 2.19%, 2.05% and 2.01% respectively.
  • Mission Viejo, CA’s insurance is 1.8% of monthly housing costs of $3,010/month, for owners with a mortgage compared to 1.65% in Las Flores, 1.48% at Coto de Caza & 1.41% in Ladera Ranch. But, for households without a mortgage, insurance is 9.7% of costs ($568 in Mission Viejo, CA) in contrast with 5.73% in Las Flores, 6.45% at Coto de Caza & 5.55% in Ladera Ranch.

Mission Viejo, CA Home Values & Insurance rates

For example, insurance for 1,628 Homes (13.0% of total homes ) valued between $250,000 to $299,999 in Mission Viejo, CA is about $310. Rates in nearby areas in such as Coto de Caza, Ladera Ranch, Laguna Niguel are cheaper by $97, $17, $40 respectively while Rancho Santa Margarita and San Juan Capistrano are costlier by $22 and $11 respectively for similar homes.

Mission Viejo, CA Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 403 3.0% $26
$50,000 to $59,999 152 1.0% $59
$60,000 to $69,999 193 1.0% $72
$90,000 to $99,999 161 1.0% $105
$100,000 to $124,999 439 3.0% $118
$125,000 to $149,999 313 2.0% $151
$150,000 to $174,999 333 2.0% $184
$175,000 to $199,999 488 4.0% $211
$200,000 to $249,999 1,513 12.0% $250
$250,000 to $299,999 1,628 13.0% $310
$300,000 to $399,999 6,045 51.0% $396

Renters Insurance in Mission Viejo

  • Average Renters Insurance in Mission Viejo :  $72($6/month)

  • Median Gross Rent in Mission Viejo :  $1,764

  • Mission Viejo Renters Insurance to Median Rent Ratio:  0.34%

  • Average household size of renter-occupied unit :  2.79

Mission Viejo Renters Insurance as a Percentage of Rent

Mission Viejo Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$500 to $749 271 1.0% $1893
$750 to $999 561 3.0% $2643
$1,000 to $1,499 4,679 26.0% $3768
$1,500 or more 11,916 67.0% $5418

Rent Affordability in Mission Viejo:

Approximately 46.0% (8,426) of households are spending more than 35% of their income on gross rent in Mission Viejo

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 1,057 5.0%
15.0 to 19.9 percent 2,010 11.0%
20.0 to 24.9 percent 2,171 12.0%
25.0 to 29.9 percent 2,446 13.0%
30.0 to 34.9 percent 1,936 10.0%
35.0 percent or more 8,426 46.0%

Mission Viejo Renters Insurance Discounts:

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

Number of Vehicles in Mission Viejo, CA Number of Housing Units % of Total Renters Insurance Insurance Savings by Bundling Auto Insurance
1 vehicle available 6,366 35.0% $7.2
2 vehicles available 7,809 43.0% $10.8
3 or more vehicles available 2,423 13.0% $14.4

Mission Viejo Senior Citizen Discounts:

Age Senior Occupied Housing Units % of Total Discount offered
55 to 59 years 1,167 6.0% $176
60 to 64 years 931 5.0% $141
65 to 74 years 977 5.0% $114
75 years and over 1,673 9.0% $88

Protective device discount in Mission Viejo Up to :  $10

Claims-free discount in Mission Viejo Up to :  $14