West Covina Insurance Rates:

West Covina, CA home insurance is nearly $535 to $724, about $44-$60/month. Our thorough guide shows customers can save upto $251 by getting different quotes

Compare Quotes from Top Providers and Save now!

Compare & get the cheapest West Covina, California home insurance quote while also getting the best customer & claims service.

West Covina Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
GEICO Insurance
Home Insurance Rate of $880/7 months for $700000-$800000 Coverage
Policy Holder Home Details :

Home Value : $825,000

5 Beds, 5 Baths 3810 sqft Seasonal Residence Constructed In 1988 with Hardwood Flooring, Metal Roof, Chainwall Foundation, Fiber-Cement Siding, Metal Frame Construction. Home Features Include Indoor Sprinklers, Central Air Conditioning, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

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

Additional Details :
  • 25-50% Mortgage Paid off

  • 500-549 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $800/9 months for $400000-$500000 Coverage
Policy Holder Home Details :

Home Value : $405,000

3 Beds, 3 Baths 2220 sqft Primary Residence Constructed In 1962 with Carpet Flooring, Slate Shingles Roof, Chainwall Foundation, Stucco siding, Stucco Construction. Home Features Include Copper Water Pipes, Swimming Pool, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

24 Years old Divorced Male 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 :
  • 25-50% Mortgage Paid off

  • Up to 499 Credit Score

  • Guests at home

Home Insurance Rate of $860/12 months for $500000-$600000 Coverage
Policy Holder Home Details :

Home Value : $535,000

4 Beds, 4 Baths 2440 sqft Vacation Property Constructed In 1980 with Stone Flooring, Shingles Roof, Chainwall Foundation, Brick siding, Brick Frame. Home Features Include Fireplace, Central Air Conditioning, Indoor Sprinklers, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

71 Years old Divorced Female who is Unemployed with household income of less than $25,000 and has 3 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 $200/4 months for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $285,000

3 Beds, 3 Baths 1580 sqft Rental Property Constructed In 1960 with Ceramic Tile Flooring, Tile Roof, Crawl Space Foundation, Fiber-Cement Siding, Wood Frame. Home Features Include Indoor Sprinklers, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

44 Years old Married Male who is a Freelancer with household income of $25-50,000 and has No Pets 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 $340/4 months for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $295,000

3 Beds, 3 Baths 1640 sqft Rental Property Constructed In 1984 with Wood Flooring, Membrane Roof, Piers Foundation, Vinyl siding, Brick Frame. Home Features Include Central Air Conditioning, Smoke Alarm, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

50 Years old Married Female who has a Part Time Job with household income of less than $25,000 and has No Pets and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 750-799 Credit Score

  • Seniors staying at home

Home Insurance Rate of $840/7 months for $500000-$600000 Coverage
Policy Holder Home Details :

Home Value : $505,000

5 Beds, 5 Baths 2500 sqft Primary Residence Constructed In 1974 with Hardwood Flooring, Wood Shake Roof, Chainwall Foundation, Wood siding, Brick Frame. Home Features Include Indoor Sprinklers, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

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

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

  • 700-749 Credit Score

  • Seniors staying at home

Home Insurance Rate of $470/4 months for $400,000-$500,000 Coverage
Policy Holder Home Details :

Home Value : $335,000

3 Beds, 3 Baths 1165 sqft Rental Property Constructed In 1960 with Carpet over wood flooring, Membrane Roof, Piers Foundation, Brick siding, Brick Frame. Home Features Include Copper Water Pipes, Smoke Alarm, Fireplace, Central Air Conditioning, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

37 Years old Divorced Female who has a Part Time Job with household income of $25-50,000 and has 3 Pets and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 500-549 Credit Score

West Covina, CA Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
91791 $450,300 $650
91790 $377,400 $640
91792 $363,600 $630

West Covina Rates & Quotes Analysis:

West Covina Area Estimated House Insurance
Borrego Dr, W Adams Dr, S Juniper St, N Bromley Ave, S Grandview Ln, E Crocus Dr, S Fircroft St, S Shadydale Ave, S Flemington Dr, S Forestdale Ave$625
W Fairgrove Ave, Dalark St, S Meeker Ave, Lainie St, S Shadydale Ave, N Cameron Ave, E Service Ave, Molokai, S Saint Malo St, E Cameo Vista Dr$622
Jacaranda Dr, S Valinda Ave, E Marcella Ave, Cll Taxco, S Holly Oak Pl, Whittlers Ln, E Rosemary Dr, S Cabana Ave, E Temple Way, E Cecelia St$629
W Leewood St, E Nanette Ave, W Cedarwood St, Hollenbeck Ave, Loggers Ln, N Puente Ave, W Alwood St, Ginger Ct, W Windsor St, S Larimore Ave$623
E Alwood St, S Blue Dr, Peachtree Ln, E Michelle St, Glenhurst Pl, Mahogany, E Cedarbrook St, N Chalburn Ave, S Hidden Valley Dr, Iva Ln$629
E Virginia Ave, Mahogany St, S Armel Dr, Samgerry Dr, Cam de Teodora, Galleano St, Grassmere Ave, S Shasta St, E Hollencrest Cir, S Walnut Ave$611
E Peachtree Ct, N Bixby Ave, Grand View Ln, Pso Cancum, Seattle Ave, N Meadow Rd, E Swanee Ln, S Conlon Ave, Barrydale St, N Nora Ave$627
Glendale St, Dee Ln, E Casad Ave, W Louisa Ave, S Fenimore Ave, N Leland Ave, S Primeaux Ave, Gemini St, E Greenville Dr, Phoebe Ct$631
Colorado St, Colston Ave, Gabriella St, W Foster Ave, Los Lomitas Way, W Greendale St, Joshua Tree Way, S Alpine Dr, S Queen Summit Dr, Sienna Crst$668
Level St, Pam Pl, Tamar Dr, S Marcella Ave, Highcastle St, S Heathdale Ave, S Serenade Ave, W Barbara Ave, Hillsborough Pl, W Sherway St$630

Insurance rates are influenced by a number of factors including:

  • Year Built: 7,511 Homes (23% of total homes ) built between 1970 to 1979 in West Covina are paying home insurance between $1,019-$1,029. Places close to West Covina, CA such as Industry, Walnut, Hacienda Heights are more expensive by $160, $62, $20 respectively while Valinda and La Puente are cheaper by $12 and $23 respectively for similar homes.
  • Bedrooms: 14,689 3 bedrooms homes (46% of total homes ) in West Covina are paying about $240. Areas near to West Covina such as Industry, Walnut, Rowland Heights are costlier by $37, $7, $6 respectively whereas Valinda and Covina are more economical by $10, $7 respectively for similar homes.
  • Auto Insurance Bundling: 8,305 Households (41% of all households) in West Covina have 3 or more vehicles available and when it is bundled with home insurance you can save $157 compared to Valinda ($155), Covina ($157), East San Gabriel Valley ($157).
  • Senior Discounts: 9,307 seniors (more than 55 years) occupied housing units (46% of total) in West Covina get discounts between $94 to $96. The comparative concessions in proximate regions such as Valinda, Industry and Covina are $93, $109 and $94 respectively.
  • New Homes discounts: New homes such as the 14,842 homes built between 2000 to 2009 in West Covina can save $125 and differs from Valinda ($124), Industry ($145), Covina ($125).

West Covina Homeowners insurance Facts

  • West Covina, CA has 19,827 owner occupied houses which is 64.5% of all units whereas Valinda, Industry and Covina have 79.92%, 3.66% and 59.26% respectively.
  • West Covina, CA homeowners yearly insurance price at $629 is 0.16% of the typical house value of $389,100 which is in contrast with 0.19% in Valinda, 0.07% at Industry & 0.16% in Covina.
  • Homeowners in West Covina, CA pay 0.93% of their income ($60,000 to $74,999) in insurance whereas homeowners in Valinda, Industry and Covina pay 0.92%, 1.08% and 0.93% respectively.
  • West Covina, CA’s insurance is 2.3% of monthly housing costs of $2,261/month, for owners with a mortgage compared to 2.59% in Valinda, 2.26% at Covina & 2.36% in East San Gabriel Valley. But, for households without a mortgage, insurance is 12.6% of costs ($415 in West Covina, CA) in contrast with 13.76% in Valinda, 12.54% at Covina & 11.59% in East San Gabriel Valley.

West Covina, CA Home Values & Insurance rates

For example, insurance for 200 Homes (1.0% of total homes ) valued between $175,000 to $199,999 in West Covina, CA is about $301. Rates in nearby areas in such as East San Gabriel Valley, Hacienda Heights, Rowland Heights are cheaper by $5, $45, $56 respectively while Valinda and La Puente are costlier by $40 and $80 respectively for similar homes.

West Covina, CA Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 313 2.0% $37
$50,000 to $59,999 135 1.0% $81
$100,000 to $124,999 108 1.0% $176
$150,000 to $174,999 211 1.0% $257
$175,000 to $199,999 200 1.0% $301
$200,000 to $249,999 1,117 10.0% $358
$250,000 to $299,999 1,146 10.0% $440
$300,000 to $399,999 7,395 68.0% $559

Renters Insurance in West Covina

  • Average Renters Insurance in West Covina :  $136($11/month)

  • Median Gross Rent in West Covina :  $1,379

  • West Covina Renters Insurance to Median Rent Ratio:  0.8%

  • Renter occupied housing units in West Covina :  10,933

West Covina Renters Insurance as a Percentage of Rent

West Covina Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 191 1.0% $784
$300 to $499 200 1.0% $1234
$500 to $749 275 2.0% $1909
$750 to $999 1,148 10.0% $2659
$1,000 to $1,499 4,723 44.0% $3784
$1,500 or more 4,030 38.0% $5434

Rent Affordability in West Covina:

Approximately 49.0% (5,370) of households are spending more than 35% of their income on gross rent in West Covina

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 568 5.0%
15.0 to 19.9 percent 905 8.0%
20.0 to 24.9 percent 1,181 10.0%
25.0 to 29.9 percent 1,529 13.0%
30.0 to 34.9 percent 1,380 12.0%
35.0 percent or more 5,370 49.0%

West Covina Renters Insurance Discounts:

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

Number of Vehicles in West Covina, CA Number of Housing Units % of Total Renters Insurance Insurance Savings by Bundling Auto Insurance
1 vehicle available 3,731 34.0% $13.6
2 vehicles available 4,174 38.0% $20.4
3 or more vehicles available 1,993 18.0% $27.2

Protective device discount in West Covina Up to :  $20

Claims-free discount in West Covina Up to :  $27