Temecula Insurance Rates:

Temecula, CA home insurance is roughly $524 to $710, about $43-$59/month. Our thorough analysis shows customers can save upto $246 by getting many quotes

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Read Temecula, California Homeowners Insurance reviews & compare quotes to get the best deal from the most trustworthy providers

Temecula Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Travelers
Home Insurance Rate of $130/2 months for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $285,000

4 Beds, 4 Bath 1640 sqft Vacation Property Constructed In 2012 with Carpet over wood flooring, Shingles Roof, Crawl Space Foundation, Stucco siding, Metal Frame Construction. Home Features Include Fireplace, Central Air Conditioning, Indoor Sprinklers, Deadbolt Locks, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

23 Years old Single 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

  • 700-749 Credit Score

  • Guests at home

Home Insurance Rate of $490/6 months for $400000-$500000 Coverage
Policy Holder Home Details :

Home Value : $385,000

4 Beds, 4 Bath 2460 sqft Rental Property Constructed In 2004 with Linoleum, Wood Shake Roof, Chainwall Foundation, Vinyl siding, Brick Frame. Home Features Include Swimming Pool, Deadbolt Locks, Central Air Conditioning, Fire Extinguisher, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

73 Years old Divorced Female who is Retired and has No Pets and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 500-549 Credit Score

  • Guests at home

Home Insurance Rate of $450/3 months for $500000-$600000 Coverage
Policy Holder Home Details :

Home Value : $530,000

4 Beds, 4 Bath 3050 sqft Rental Property Constructed In 1999 with Hardwood Flooring, Tile Roof, Crawl Space Foundation, Stucco siding, Wood Frame. Home Features Include Smoke Alarm, Fireplace, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

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

Additional Details :
  • 75-100% Mortgage Paid off

  • 600-649 Credit Score

  • Seniors staying at home

Home Insurance Rate of $260/5 months for $350000-$400000 Coverage
Policy Holder Home Details :

Home Value : $335,000

4 Beds, 4 Bath 2340 sqft Vacation Property Constructed In 1996 with Hardwood Flooring, Tile Roof, Crawl Space Foundation, Stucco siding, Wood Frame. Home Features Include Deadbolt Locks, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

69 Years old Married Male who is a Freelancer with household income of more than $150,000 and has 3 Pets and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 750-799 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $570/6 months for $400000-$500000 Coverage
Policy Holder Home Details :

Home Value : $390,000

5 Beds, 5 Baths 2450 sqft Rental Property Constructed In 2011 with Carpet Flooring, Slate Shingles Roof, Piers Foundation, Vinyl siding, Metal Frame Construction. Home Features Include Central Air Conditioning, Deadbolt Locks, 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 $50-$75,000 and has 2 Pets and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 700-749 Credit Score

  • Seniors staying at home

Home Insurance Rate of $770/10 months for $250,000-$300,000 Coverage
Policy Holder Home Details :

Home Value : $250,000

2 Beds, 2 Baths 1409 sqft Primary Residence Constructed In 1992 with Carpet Flooring, Composition Roof, Slab Foundation, Stone Siding, Metal Frame Construction. Home Features Include Central Air Conditioning, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

44 Years old Married Female who is a Freelancer with household income of $75-$100,000 and has More than 3 Pets and is a Non-Smoker

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

  • 700-749 Credit Score

  • Guests at home

Temecula, CA Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
92590 $743,200 $690
92592 $333,700 $630
92591 $301,100 $620

Temecula Rates & Quotes Analysis:

Temecula Area Estimated House Insurance
Roshani Dr, Sonoma Ln, Pampas Rd, Estero St, Van Gaale Ln, Cajon Dr, Pechanga Dr, Linda Rosea Rd, la Sierra Rd, Grass Meadow Way$631
Frontage Rd, Corte de Los Santos, Cll Medusa, Casa Chata Pl, Cala Cerona, Cll de Vinedos, Cafera Ln, Trafalgar Way, Sandak Rd, Haywood Ct$641
Seawind Cir, Preece Ln, Potestas Dr, Sierra Ct, Cam Casana, Noel Cir, Iron Horse Dr, Rue Jadot, Lauriano Dr, Via Bonilla$628
Crown Ranch Rd, Emerald Creek Ct, Tournament Ln, Alcalde Ln, Valence Ct, Glick Ct, N General Kearny Rd, Matanzas Creek Ct, Yorba Rd, Corte Escobar$618
Mango Bay, Alton Ct, Seminole St, Twin Creek Dr, Maxine St, San Fermin Pl, Old US Hwy 395, Serrento Dr, la Paz Rd, Weibel Cir$619
Hudson Ct, Guadagno Dr, Cll Pantano, Royal Dornoch Ct, Cam Caliari, Grace Ct, Corte Cabello, Plymouth Way, Village Rd, Volare Rd$612
Winchester Creek Ave, Rock Bluff Ave, Corte Sparkman, Grapevine Ct, Amesbury Ln, Blanca Ct, Thyzel Ct, Carriage Cir, Murphy Rd, Rainbow Creek Dr$611
Riverton Ln, Boulder Way, Frankfort Ln, Avoyer Ave, Rising Hill Dr, Trentino Dr, Savoy Ln, Linda Ct, Puesta del Sol, Remington Ave$613
Ayer Ln, S General Kearny Rd, Via Perales, Grado Cir, Fetzer Cir, Twin Hills Way, Via Sierra, Tall Oak Ct, Via Puesta del Sol, Cloudburst Ln$624
Via Corsica, Cll Aragon, Rosewood St, Villa Helena St, Cam Estribo, Corte Chatada, Valone Ct, Sycamore St, New Meadow Dr, Berkswell Ln$613

Insurance rates are influenced by a number of factors including:

  • Year Built: 1,971 Homes (6% of total homes ) built between 1970 to 1979 in Temecula are paying home insurance between $1,000-$1,009. Places close to Temecula, CA such as Rainbow, Fallbrook, Pauma Valley are more expensive by $18, $39, $12 respectively while Wildomar and Menifee are cheaper by $19 and $27 respectively for similar homes.
  • Bedrooms: 5,177 2 bedrooms homes (15% of total homes ) in Temecula are paying about $179 and varies from Rainbow (+$10), French Valley (+$5), Fallbrook (+$14), Wildomar (-$3) and Winchester (-$5).
  • Auto Insurance Bundling: 7,257 Households (34% of all households) in Temecula have 3 or more vehicles available and when it is bundled with home insurance you can save $154 compared to Murrieta ($153), Rainbow ($157), French Valley ($153).
  • Senior Discounts: 7,090 seniors (more than 55 years) occupied housing units (34% of total) in Temecula get discounts between $92 to $94 in contrast with Murrieta ($92), Rainbow ($94), French Valley ($91).
  • New Homes discounts: New homes such as the 22,984 homes built between 2000 to 2009 in Temecula can save $123 and similar new home insurance discounts in nearby towns and cities like Murrieta, Rainbow and French Valley are $123, $125 and $122 respectively.

Temecula Homeowners insurance Facts

  • Temecula, CA has 20,750 owner occupied houses which is 67.2% of all units whereas Murrieta, Rainbow and French Valley have 71.87%, 77.67% and 80.3% respectively.
  • Temecula, CA homeowners yearly insurance price at $617 is 0.2% of the typical house value of $311,200 which is in contrast with 0.21% in Murrieta, 0.17% at Rainbow & 0.22% in French Valley.
  • Homeowners in Temecula, CA pay 1.07% of their income ($45,000 to $49,999) in insurance whereas homeowners in Murrieta, Rainbow and French Valley pay 1.07%, 1.09% and 1.06% respectively.
  • Temecula, CA’s insurance is 2.1% of monthly housing costs of $2,435/month, for owners with a mortgage compared to 2.08% in Murrieta, 2.2% at Rainbow & 1.98% in French Valley. But, for households without a mortgage, insurance is 9.5% of costs ($544 in Temecula, CA) in contrast with 9.63% in Murrieta, 8.83% at Rainbow & 8.85% in French Valley.

Temecula, CA Home Values & Insurance rates

For example, insurance for 7,149 Homes (42.0% of total homes ) valued between $300,000 to $399,999 in Temecula, CA is about $691. Rates in nearby areas in such as Rainbow, Fallbrook, Pauma Valley are cheaper by $114, $204, $74 respectively while Murrieta and French Valley are costlier by $22 and $67 respectively for similar homes.

Temecula, CA Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 348 2.0% $49
$100,000 to $124,999 256 1.0% $215
$125,000 to $149,999 307 1.0% $271
$150,000 to $174,999 587 3.0% $320
$175,000 to $199,999 624 3.0% $370
$200,000 to $249,999 3,641 21.0% $444
$250,000 to $299,999 3,683 22.0% $542
$300,000 to $399,999 7,149 42.0% $691

Renters Insurance in Temecula

  • Average Renters Insurance in Temecula :  $163($13/month)

  • Median Gross Rent in Temecula :  $1,490

  • Temecula Renters Insurance to Median Rent Ratio:  0.87%

  • Renter occupied housing units in Temecula :  10,130

Temecula Renters Insurance as a Percentage of Rent

Temecula Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$300 to $499 185 1.0% $1240
$500 to $749 360 3.0% $1915
$750 to $999 966 9.0% $2665
$1,000 to $1,499 3,512 35.0% $3790
$1,500 or more 4,935 49.0% $5440

Rent Affordability in Temecula:

Approximately 46.0% (4,746) of households are spending more than 35% of their income on gross rent in Temecula

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 693 6.0%
15.0 to 19.9 percent 967 9.0%
20.0 to 24.9 percent 1,346 13.0%
25.0 to 29.9 percent 1,289 12.0%
30.0 to 34.9 percent 1,089 10.0%
35.0 percent or more 4,746 46.0%

Temecula Renters Insurance Discounts:

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

Number of Vehicles in Temecula, CA Number of Housing Units % of Total Renters Insurance Insurance Savings by Bundling Auto Insurance
1 vehicle available 3,787 37.0% $16.3
2 vehicles available 4,314 42.0% $24.45
3 or more vehicles available 1,387 13.0% $32.6

Temecula Senior Citizen Discounts:

Age Senior Occupied Housing Units % of Total Discount offered
55 to 59 years 440 4.0% $149
60 to 64 years 380 3.0% $119
65 to 74 years 386 3.0% $96
75 years and over 456 4.0% $74

Protective device discount in Temecula Up to :  $24

Claims-free discount in Temecula Up to :  $32