Gate Insurance Rates:

Gate, CA home insurance is approximately $522 to $709, about $43-$59/month. Our comprehensive analysis shows customers can save as much as $246 by comparing multiple quotes

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Gate Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
State Farm
Home Insurance Rate of $950/12 months for $500000-$600000 Coverage
Policy Holder Home Details :

Home Value : $550,000

4 Beds, 4 Bath 3360 sqft Seasonal Residence Constructed In 1943 with Hardwood Flooring, Membrane Roof, Slab Foundation, Stucco siding, Metal Frame Construction. Home Features Include Copper Water Pipes, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

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

Additional Details :
  • 25-50% Mortgage Paid off

  • 750-799 Credit Score

  • Guests at home

Home Insurance Rate of $370/4 months for $400000-$500000 Coverage
Policy Holder Home Details :

Home Value : $400,000

3 Beds, 3 Bath 2230 sqft Vacation Property Constructed In 1973 with Ceramic Tile Flooring, Composition Roof, Chainwall Foundation, Brick siding, Wood Frame. Home Features Include Fire Extinguisher, Copper Water Pipes, Fireplace, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

28 Years old Single Female who is a Freelancer with household income of less than $25,000 and has 3 Pets and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 750-799 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $620/6 months for $350000-$400000 Coverage
Policy Holder Home Details :

Home Value : $300,000

4 Beds, 4 Bath 2040 sqft Rental Property Constructed In 1946 with Ceramic Tile Flooring, Composition Roof, Crawl Space Foundation, Stone Siding, Metal Frame Construction. Home Features Include Swimming Pool, Copper Water Pipes, Fire Extinguisher, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

73 Years old Married Male who has a Part Time Job with household income of less than $25,000 and has More than 3 Pets at home and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 650-699 Credit Score

  • Guests at home

Home Insurance Rate of $290/9 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $160,000

2 Beds, 2 Bath 1230 sqft Vacation Property Constructed In 1944 with Ceramic Tile Flooring, Tile Roof, Chainwall Foundation, Fiber-Cement Siding, Metal Frame Construction. Home Features Include Copper Water Pipes, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

30 Years old Divorced Male 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

  • Guests at home

Home Insurance Rate of $340/9 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $200,000

2 Beds, 2 Bath 1610 sqft Primary Residence Constructed In 1975 with Hardwood Flooring, Composition Roof, Crawl Space Foundation, Wood siding, Metal Frame Construction. Home Features Include Swimming Pool, Deadbolt Locks, Fireplace, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

38 Years old Single Male who is Unemployed and has No Pets and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 650-699 Credit Score

Home Insurance Rate of $350/3 months for $500000-$600000 Coverage
Policy Holder Home Details :

Home Value : $565,000

4 Beds, 4 Baths 3200 sqft Rental Property Constructed In 1965 with Carpet Flooring, Slate Shingles Roof, Slab Foundation, Wood siding, Metal Frame Construction. Home Features Include Deadbolt Locks, Smoke Alarm, Copper Water Pipes, Fireplace, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

53 Years old Divorced Male who has a Full Time Job with household income of $50-$75,000 and has 2 Pets and is a Non-Smoker

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

  • 600-649 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $210/8 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $200,000

2 Beds, 2 Bath 1420 sqft Rental Property Constructed In 1956 with Hardwood Flooring, Shingles Roof, Crawl Space Foundation, Fiber-Cement Siding, Metal Frame Construction. Home Features Include Fireplace, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

24 Years old Married Male who has a Part Time Job with household income of less than $25,000 and has 2 Pets and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 800-850 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $690/7 months for $400000-$500000 Coverage
Policy Holder Home Details :

Home Value : $395,000

4 Beds, 4 Bath 2530 sqft Vacation Property Constructed In 1948 with Carpet Flooring, Tile Roof, Piers Foundation, Fiber-Cement Siding, Wood Frame. Home Features Include Indoor Sprinklers, Fireplace, Fire Extinguisher, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

26 Years old Married Female who is Unemployed with household income of less than $25,000 and has 3 Pets and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 500-549 Credit Score

  • Seniors staying at home

Home Insurance Rate of $180/5 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $180,000

2 Beds, 2 Bath 1140 sqft Vacation Property Constructed In 1945 with Carpet Flooring, Metal Roof, Slab Foundation, Brick siding, Stucco Construction. Home Features Include Smoke Alarm, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

60 Years old Divorced Male who has a Part Time Job with household income of $25-50,000 and has 2 Pets and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • Up to 499 Credit Score

  • Seniors staying at home

Home Insurance Rate of $80/3 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $175,000

2 Beds, 2 Bath 1180 sqft Primary Residence Constructed In 1974 with Carpet over wood flooring, Slate Shingles Roof, Piers Foundation, Brick siding, Wood Frame. Home Features Include Deadbolt Locks, Fireplace, Copper Water Pipes, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

60 Years old Married Female who has a Full Time Job with household income of more than $150,000 and has No Pets and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 800-850 Credit Score

  • Guests at home

Home Insurance Rate of $50/1 month for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $275,000

3 Beds, 3 Bath 1650 sqft Seasonal Residence Constructed In 1978 with Ceramic Tile Flooring, Tile Roof, Piers Foundation, Wood siding, Stucco Construction. Home Features Include Fire Extinguisher, Smoke Alarm, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

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

Additional Details :
  • 50-75% Mortgage Paid off

  • Up to 499 Credit Score

Home Insurance Rate of $720/8 months for $250,000-$300,000 Coverage
Policy Holder Home Details :

Home Value : $355,000

2 Beds, 2 Baths 1335 sqft Rental Property Constructed In 1933 with Ceramic Tile Flooring, Metal Roof, Crawl Space Foundation, Fiber-Cement Siding, Brick Frame. Home Features Include Swimming Pool, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

30 Years old Single Male who has a Full Time Job with household income of $25-50,000 and has More than 3 Pets and is a Smoker

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

  • 700-749 Credit Score

  • Seniors staying at home

  • Guests at home

Gate, CA Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
90280 $304,400 $620

Gate Rates & Quotes Analysis:

Gate Area Estimated House Insurance
Adella Ave, Tecumseh Ave, Poplar Pl, Mason St, Rayo Ave, Cherokee Ave, Sale Pl, Mason St, Ardine St, Cortland Ave$619
Duane Way, Firestone Pl, Tecumseh Ave, Commercial Pl, Cherokee Ave, Southgate Ave, Calden Ave, Katella Rd, Pinehurst Ave, Mallison Ave$613
Library Pl, Tope Ave, Duane Way, Garden View Ave, Montara Ave, Rheem Ave, Seminole Ave, Wright Pl, Cecelia St, Renoa Ave$609
Lee Ln, Burntwood St, Willow Pl, Orchard Pl, Vulcan St, Garwick Pl, Utah Ave, Patata St, Ruther Ave, Monroe Ave$614
Amery Ave, W Frontage Rd, Dr Glenn T Seaborg Way, Abbott Rd, Duncan Way, Garden View Ave, Industrial Ave, Truba Ave, Firestone Plz, Meadow Rd$610

Insurance rates are influenced by a number of factors including:

  • Year Built: 7,412 Homes (29% of total homes ) built between 1940 to 1949 in Gate are paying home insurance between $1,238-$1,248. Places close to Gate, CA such as Downey, Commerce, Bellflower are more expensive by $38, $10, $17 respectively while Cudahy and Willowbrook are cheaper by $31 and $23 respectively for similar homes.
  • Bedrooms: 9,401 2 bedrooms homes (39% of total homes ) in Gate are paying about $185. Areas near to Gate such as Downey-Norwalk, West Athens, Montebello are costlier by $4, $3, $5 respectively whereas Cudahy and Huntington Park are more economical by $5, $6 respectively for similar homes.
  • Auto Insurance Bundling: 3,835 Households (34% of all households) in Gate have 2 vehicles available and when it is bundled with home insurance you can save $123. Discounts for similar bundling in close by locations such as Lynwood, Cudahy, Walnut Park come to $122, $120, $122 respectively.
  • Senior Discounts: 4,752 seniors (more than 55 years) occupied housing units (43% of total) in Gate get discounts between $92 to $94. The comparative concessions in proximate regions such as Lynwood, Cudahy and Bell Gardens are $92, $90 and $91 respectively.
  • New Homes discounts: New homes such as the 6,511 homes built between 2000 to 2009 in Gate can save $123 and differs from Lynwood ($122), Cudahy ($120), Walnut Park ($122).

Gate Homeowners insurance Facts

  • Gate, CA has 11,040 owner occupied houses which is 46.1% of all units whereas Lynwood, Cudahy and Walnut Park have 46.88%, 18.23% and 52.09% respectively.
  • Gate, CA homeowners yearly insurance price at $616 is 0.2% of the typical house value of $304,400 which is in contrast with 0.21% in Lynwood, 0.3% at Cudahy & 0.21% in Walnut Park.
  • Homeowners in Gate, CA pay 1.12% of their income ($50,000 to $59,999) in insurance whereas homeowners in Lynwood, Cudahy and Walnut Park pay 1.12%, 1.09% and 1.12% respectively.
  • Gate, CA’s insurance is 2.7% of monthly housing costs of $1,884/month, for owners with a mortgage compared to 2.68% in Lynwood, 2.71% at Cudahy & 2.82% in Walnut Park. But, for households without a mortgage, insurance is 16.0% of costs ($321 in Gate, CA) in contrast with 13.68% in Lynwood, 12.32% at Cudahy & 15.09% in Walnut Park.

Gate, CA Home Values & Insurance rates

For example, insurance for 99 Homes (1.0% of total homes ) valued between $100,000 to $124,999 in Gate, CA is about $221. Rates in nearby areas in such as Huntington Park, Downey, Commerce are cheaper by $6, $62, $29 respectively while Lynwood and Walnut Park are costlier by $6 and $6 respectively for similar homes.

Gate, CA Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 180 2.0% $49
$100,000 to $124,999 99 1.0% $221
$150,000 to $174,999 360 4.0% $326
$175,000 to $199,999 300 3.0% $375
$200,000 to $249,999 1,666 18.0% $455
$250,000 to $299,999 2,580 29.0% $554
$300,000 to $399,999 3,506 39.0% $702

Renters Insurance in Gate

  • Average Renters Insurance in Gate :  $165($13/month)

  • Median Gross Rent in Gate :  $975

  • Gate Renters Insurance to Median Rent Ratio:  1.33%

  • Average household size of renter-occupied unit :  3.68

Gate Renters Insurance as a Percentage of Rent

Gate Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 355 2.0% $791
$300 to $499 202 1.0% $1241
$500 to $749 1,708 13.0% $1916
$750 to $999 4,586 36.0% $2666
$1,000 to $1,499 4,313 33.0% $3791
$1,500 or more 1,530 12.0% $5441

Rent Affordability in Gate:

Approximately 56.0% (7,230) of households are spending more than 35% of their income on gross rent in Gate

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 702 5.0%
15.0 to 19.9 percent 1,227 9.0%
20.0 to 24.9 percent 1,075 8.0%
25.0 to 29.9 percent 1,485 11.0%
30.0 to 34.9 percent 1,166 9.0%
35.0 percent or more 7,230 56.0%

Gate Renters Insurance Discounts:

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

Number of Vehicles in Gate, CA Number of Housing Units % of Total Renters Insurance Insurance Savings by Bundling Auto Insurance
1 vehicle available 5,557 43.0% $16.5
2 vehicles available 3,917 30.0% $24.75
3 or more vehicles available 1,674 12.0% $33.0

Protective device discount in Gate Up to :  $24

Claims-free discount in Gate Up to :  $33

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