Upland Insurance Rates:

Upland, CA home insurance is approximately $539 to $730, about $44-$60/month. Our thorough analysis reveals consumers can save upto $253 by getting different quotes

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Read Upland, California Homeowners Insurance Reviews & compare quotes to find the best & cheapest home insurance provider.

Upland Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
State Farm
Home Insurance Rate of $480/12 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $210,000

3 Beds, 3 Bath 1270 sqft Rental Property Constructed In 1970 with Linoleum, Wood Shake Roof, Crawl Space Foundation, Brick siding, Metal Frame Construction. Home Features Include Central Air Conditioning, Swimming Pool, Indoor Sprinklers, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

57 Years old Divorced Male who is a Freelancer with household income of $50-$75,000 and has 1 Pet and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • Up to 499 Credit Score

  • Guests at home

Home Insurance Rate of $440/6 months for $350000-$400000 Coverage
Policy Holder Home Details :

Home Value : $480,000

3 Beds, 3 Baths 2070 sqft Vacation Property Constructed In 1984 with Wood Flooring, Asphalt Shingles Roof, Chainwall Foundation, Vinyl siding, Wood Frame. Home Features Include Indoor Sprinklers, Copper Water Pipes, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

58 Years old Divorced Male who is Unemployed with household income of less than $25,000 and has No Pets and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 600-649 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $440/10 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $260,000

2 Beds, 2 Bath 1570 sqft Vacation Property Constructed In 1991 with Carpet Flooring, Membrane Roof, Piers Foundation, Stone Siding, Metal Frame Construction. Home Features Include Fire Extinguisher, Central Air Conditioning, Deadbolt Locks, Fireplace, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

71 Years old Divorced Male who is Retired with household income of $25-50,000 and has No Pets and is a Non-Smoker

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

  • 650-699 Credit Score

  • Seniors staying at home

Home Insurance Rate of $960/8 months for $600000-$700000 Coverage
Policy Holder Home Details :

Home Value : $670,000

5 Beds, 5 Baths 2870 sqft Rental Property Constructed In 1995 with Linoleum, Wood Shake Roof, Crawl Space Foundation, Wood siding, Wood Frame. Home Features Include Copper Water Pipes, Smoke Alarm, Central Air Conditioning, Fireplace, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

34 Years old Married Female who is a Freelancer with household income of $25-50,000 and has No Pets and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 500-549 Credit Score

Home Insurance Rate of $550/10 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $295,000

3 Beds, 3 Baths 1540 sqft Vacation Property Constructed In 1970 with Carpet Flooring, Asphalt Shingles Roof, Piers Foundation, Wood siding, Stucco Construction. Home Features Include Fireplace, Copper Water Pipes, Fire Extinguisher, Deadbolt Locks, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

39 Years old Single Female who is Unemployed and has 2 Pets and is a Smoker

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

  • 800-850 Credit Score

  • Seniors staying at home

Home Insurance Rate of $70/1 month for $350000-$400000 Coverage
Policy Holder Home Details :

Home Value : $355,000

3 Beds, 3 Baths 1910 sqft Seasonal Residence Constructed In 1988 with Linoleum, Asphalt Shingles Roof, Piers Foundation, Brick siding, Metal Frame Construction. Home Features Include Deadbolt Locks, Indoor Sprinklers, Smoke Alarm, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

27 Years old Married Female who has a Part Time Job with household income of $25-50,000 and has 2 Pets and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 550-599 Credit Score

  • Guests at home

Home Insurance Rate of $400/5 months for $400000-$500000 Coverage
Policy Holder Home Details :

Home Value : $495,000

4 Beds, 4 Baths 2730 sqft Rental Property Constructed In 1988 with Carpet Flooring, Asphalt Shingles Roof, Piers Foundation, Wood siding, Stucco Construction. Home Features Include Central Air Conditioning, Smoke Alarm, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

74 Years old Single Male who is a Freelancer with household income of $25-50,000 and has 1 Pet and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 550-599 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $50/1 month for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $220,000

2 Beds, 2 Bath 930 sqft Rental Property Constructed In 1983 with Ceramic Tile Flooring, Composition Roof, Piers Foundation, Stone Siding, Stucco Construction. Home Features Include Fireplace, Copper Water Pipes, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

71 Years old Single Female who has a Full Time Job with household income of $50-$75,000 and has More than 3 Pets at home and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 800-850 Credit Score

  • Seniors staying at home

Home Insurance Rate of $650/7 months for $400000-$500000 Coverage
Policy Holder Home Details :

Home Value : $410,000

4 Beds, 4 Baths 2300 sqft Primary Residence Constructed In 1964 with Hardwood Flooring, Asphalt Shingles Roof, Crawl Space Foundation, Wood siding, Brick Frame. Home Features Include Swimming Pool, Indoor Sprinklers, 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 1 Pet and is a Non-Smoker

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

  • Up to 499 Credit Score

  • Guests at home

Home Insurance Rate of $500/9 months for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $375,000

2 Beds, 2 Bath 1720 sqft Seasonal Residence Constructed In 1966 with Hardwood Flooring, Composition Roof, Chainwall Foundation, Brick siding, Wood Frame. Home Features Include Fire Extinguisher, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

56 Years old Divorced 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 :
  • 75-100% Mortgage Paid off

  • 600-649 Credit Score

  • Guests at home

Upland, CA Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
91784 $501,000 $660
91786 $340,800 $620

Upland Rates & Quotes Analysis:

Upland Area Estimated House Insurance
Camphor Way, Hervey Ave, Electric Ave, W Winn Dr, W Aster St, Van Ness Ct, E 22nd St, Starlight Ave, Rae Ct, Pansy St$641
S White Ave, Pineridge St, Mitzi Ct, Vigilant St, Wright Pl, W Sullivan St, Richards Pl, San Ysidro Dr, Bella Ave, Barbara Way$645
N Toledo Way, Tyler Ln, Venice Way, el Mirador, Opal Ct, W Harford Pl, N 11th Ave, Revere St, E Brantley Ct, Redwood Cir$640
S Tulare Way, Pinnacle Way, W Sandra Ct, Fernbrook Way, San Mateo Dr, Lilac Way, N 9th Ave, Palermo Ave, E Cabernet Ct, Purdue St$635
W Pine St, Sullivan St, Verbena Ave, Corte Blanco, Morningside Ave, Albright Ave, Armando St, Jeanna Pl, Via Serana, la Quinta Dr$643

Insurance rates are influenced by a number of factors including:

  • Year Built: 6,625 Homes (24% of total homes ) built between 1980 to 1989 in Upland are paying home insurance between $945-$955. Places close to Upland, CA such as San Antonio Heights, La Verne, Diamond Bar are more expensive by $33, $11, $27 respectively while Montclair and Ontario are cheaper by $35 and $14 respectively for similar homes.
  • Bedrooms: 8,105 2 bedrooms homes (30% of total homes ) in Upland are paying about $191. Areas near to Upland such as San Antonio Heights, Diamond Bar, Walnut are costlier by $6, $5, $3 respectively whereas Montclair and Ontario are more economical by $8, $3 respectively for similar homes.
  • Auto Insurance Bundling: 6,234 Households (41% of all households) in Upland have 2 vehicles available and when it is bundled with home insurance you can save $126 and differs from San Antonio Heights ($131), Claremont ($131), Montclair ($122).
  • Senior Discounts: 8,008 seniors (more than 55 years) occupied housing units (53% of total) in Upland get discounts between $94 to $97. The comparative concessions in proximate regions such as San Antonio Heights, Montclair and Ontario are $98, $91 and $93 respectively.
  • New Homes discounts: New homes such as the 6,459 homes built between 2000 to 2009 in Upland can save $126 and varies from San Antonio Heights ($131), Claremont ($131), Montclair ($122).

Upland Homeowners insurance Facts

  • Upland, CA has 14,878 owner occupied houses which is 58.2% of all units whereas San Antonio Heights, Claremont and Montclair have 80.21%, 64.69% and 60.81% respectively.
  • Upland, CA homeowners yearly insurance price at $634 is 0.15% of the typical house value of $419,200 which is in contrast with 0.12% in San Antonio Heights, 0.12% at Claremont & 0.23% in Montclair.
  • Homeowners in Upland, CA pay 3.62% of their income ($15,000 to $19,999) in insurance whereas homeowners in Claremont, Montclair and Ontario pay 3.75%, 3.49% and 3.57% respectively.
  • Upland, CA’s insurance is 2.3% of monthly housing costs of $2,325/month, for owners with a mortgage compared to 1.73% in San Antonio Heights, 1.94% at Claremont & 2.89% in Montclair. But, for households without a mortgage, insurance is 11.3% of costs ($468 in Upland, CA) in contrast with 10.8% in San Antonio Heights, 9.41% at Claremont & 15.84% in Montclair.

Upland, CA Home Values & Insurance rates

For example, insurance for 115 Homes (1.0% of total homes ) valued between $50,000 to $59,999 in Upland, CA is about $76. Rates in nearby areas in such as La Verne, Diamond Bar, Walnut are cheaper by $6, $18, $23 respectively while Montclair and Charter Oak are costlier by $39 and $11 respectively for similar homes.

Upland, CA Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 415 6.0% $31
$50,000 to $59,999 115 1.0% $76
$80,000 to $89,999 83 1.0% $126
$100,000 to $124,999 174 2.0% $164
$125,000 to $149,999 129 1.0% $202
$150,000 to $174,999 321 4.0% $240
$175,000 to $199,999 280 4.0% $278
$200,000 to $249,999 634 9.0% $336
$250,000 to $299,999 1,289 19.0% $412
$300,000 to $399,999 3,087 46.0% $526

Renters Insurance in Upland

  • Average Renters Insurance in Upland :  $126($10/month)

  • Median Gross Rent in Upland :  $1,179

  • Upland Renters Insurance to Median Rent Ratio:  0.85%

  • Average household size of renter-occupied unit :  2.9

Upland Renters Insurance as a Percentage of Rent

Upland Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 144 1.0% $781
$300 to $499 209 1.0% $1231
$500 to $749 282 2.0% $1906
$750 to $999 2,132 20.0% $2656
$1,000 to $1,499 5,240 49.0% $3781
$1,500 or more 2,493 23.0% $5431

Protective device discount in Upland Up to :  $18

Claims-free discount in Upland Up to :  $25