Arcadia, CA Home Insurance - Analysis On Quotes, Rates & Agents

Arcadia, CA Insurance Rates:

Homeowners need to compare different quotes to find the best home insurer suitable for their needs. The following analysis by vHome Insurance in Arcadia, CA helps consumers in making better choices. Enter your Zip Code in the banner below to get home insurance quotes. vHome Insurance undertook a detailed analysis of the cost of insurance inArcadia, CA.

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Average Home Insurance Premium in Arcadia, CA

National Average Premium State Average Premium Arcadia Average Premium
$1,438 $1,291 $1,345.222

Top Home Insurance Companies in Arcadia, CA | Back to Top

It is essential to find home insurers that provide the best insurance quotes. vHomeInsurance has rounded up the top home insurance companies in Arcadia, CA.

Company Name Coverage $70,000 Coverage $150,000 Coverage $200,000 Coverage $350,000
Safeco $547 $755 $1,009 $1,345
Farmers $962 $1,317 $1,424 $1,917
Mapfre Insurance $624 $843 $959 $1,307
Horace Mann $548 $1,015 $1,359 $1,807
Nationwide $648 $829 $1,040 $1,531

Arcadia, CA Homeowners Insurance for Different Coverages | Back to Top

Coverage Type Home Insurance Cost($)
$100,000 To $124,999 140.52
$150,000 To $174,999 184.61
$175,000 To $199,999 234.55
$200,000 To $249,999 275.58
$250,000 To $299,999 382.35
$300,000 To $399,999 529.08
$400,000 To $499,999 689.91
$500,000 To $749,999 883.09
$750,000 To $999,999 1,021.07
$1000,000 To $1499,999 1,124.56
$1500,000 To $2000,000 1,207.35

Visual Guide for Arcadia, CA Home Insurance Buyers on Insurance Companies and Rates

Top Home Insurance Agents Near Arcadia, CA | Back to Top

Home Insurance Company Near Arcadia, CA Homeowners Insurance Agency Near Arcadia, CA Address
Travelers Ahtky Insurance Agency Llc 1451 W ARTESIA BLVD-STE A, GARDENA, CA, 90248
State Farm Cia Harris 26302 Western Ave Ste 1B, Lomita, CA, 90717-3534
Allstate Jeanny Chu 2528 W Olympic Blvd Ste 201, Los Angeles, CA, 90006
Travelers Mills Insurance Services 4281 Katella Avenue, Suite 128 Los Alamitos, Stanton, CA, 90720
Allstate Tram Ly 13571 Beach Blvd, Westminster, CA, 92683

List of Arcadia, CA Home Insurance Agents by Companies


Arcadia, CA Homeowners Insurance Rates Based on Claims Filed | Back to Top

Arcadia, CA homeowners who have no previous history of filing for claims are eligible for a discount of $161.422. Arcadia, CA homeowners who have filed one claim previously have to pay an additional home insurance premium of $81, while homeowners who have filed 2 claims previously have to pay an additional $188 on their home insurance rate.

Type of Claim Homeowners Insurance Cost Increase/Decrease($) Homeowners Insurance Cost($)
No Claim Discount -161 1,184
One Claim +81 1,426
Two Claim +188 1,534


Arcadia, CA Homeowners Insurance by Zip Code | Back to Top

Zip Code Median Home Value($) Home Insurance Cost($)
91007 744,200 1,364
91006 686,800 1,364

Factors Affecting Home Insurance Premiums in Arcadia, CA

The average home insurance premium in Arcadia, CA is $1345.222. There are multiple factors that affect home insurance rates in Arcadia, CA. vHome Insurance lists the factors that could help homeowners in Arcadia, CA reduce their homeowners insurance rates.

Arcadia, CA Home Insurance Premium Based on the Number of Bedrooms | Back to Top

Bedroom Size Average Homeowners Insurance Cost($)
2 Bedroom 486
3 Bedroom 1,336
4 Bedroom 1,943
5 Bedroom 2,732

Arcadia, CA Home Insurance Premiums for Different Deductibles | Back to Top

Homeowners in Arcadia, CA who pay a low deductible of $500 pay a higher rate on their home insurance premium, while Arcadia, CA homeowners who pay a deductible rate as high as $2500 pay a lower rate on their home insurance premium, as seen in the table below.

Deductible Type Average Homeowners Insurance Cost($)
$500 Deductible 1,329
$1000 Deductible 1,202
$1500 Deductible 1,132
$2000 Deductible 1,027
$2500 Deductible 966

Arcadia, CA Homeowners Insurance Premium Based on the Age of the Home | Back to Top

Homeowners in Arcadia, CA pay a much lower home insurance rate if their homes are newly constructed. Homeowners with homes that are older than 50 years pay a much higher rate on their home insurance premium as seen in the table below.

Home Age Homeowners Insurance Cost($)
Newly Constructed Home 969
Year 30 Old 1,365
Year 40 Old 1,380
Year 50 Old 1,396
Above Year 50 1,410

Arcadia, CA Homeowners Insurance Cost Based on the Construction Type of the Home | Back to Top

Construction Type Home Insurance Cost Savings($) Home Insurance Cost($)
Fire Resistive 161 1,184
Masonry 67 1,278
Brick 67 1,278
Superior 135 1,211
Hail Resistant Roof 40 1,305

Top Saving Tips on Arcadia, CA Homeowners Insurance | Back to Top

Home insurance companies tend to provide discounts to homeowners based on the construction type of the home. Arcadia, CA homes that are resistant to damage attract more discounts from home insurers. Arcadia, CA homeowners who have bundled their auto insurance and home insurance policies pay lower home insurance premiums. Senior citizens also receive additional discounts from home insurers, in addition to standard discounts. Arcadia, CA homes equipped with safety devices earn substantial discounts, as they are less prone to burglaries.

The tables below contain the complete list of discounts that Arcadia, CA homeowners can take advantage of to increase their savings.

Arcadia, CA Auto & Homeowners Insurance Bundling Discounts and Senior Citizen Discounts

Discount Type Home Insurance Cost Savings($) Home Insurance Cost($)
Bundle Discount 229 1,117
Retiree Discount (Senior Citizen Discount) 188 1,534
Newly Constructed Home 377 969

Arcadia, CA Home Insurance Discounts for Home Safety Devices | Back to Top

Home Safety Devices Home Insurance Cost Savings($) Home Insurance Cost($)
Deadbolts 135 1,211
Fire Extinguishers 94 1,251
Smoke Detectors 148 1,197
Sprinkler System 108 1,238
Fire Alarm 108 1,238
Burglar Alarm 121 1,224
Lightning Protection 54 1,291

Latest Home Insurance Reviews

Allstate
I would recommend this company. They are easy to work with, friendly, they offer what is necessary for people to have insurance coverage on their homes.
Allied Insurance
Another positive trait of my insurance company is they are large, responsive and well staffed. i have always had good service from them whether that is shifting an auto policy to a new car or changing coverage to a new house.
Geico
I would recommend the prices are decent and the customer service is good. There is room for improvement with every company but I trust them to provide me with the services I need.
Farmer's Insurance
Yes, I would recommend just because it is cheaper to start off. It covers the basic of damages and for new homeowners it is a nice way to start.
State Farm
I have no problem with State Farm's home owners policy offerings. I have no special needs. What they suggest and what I buy are completely adequate for my property.
Progressive
They have very good coverage. the pricing was competitive. the customer service was very helpful. i had prompt, kind service every time.
State Farm
It is expensive. i pay about $35 a month more than the cheapest and $10 a month more than the competitors.
State Farm
I LIKE THE CUSTOMER SERVICE OF MY INSURANCE COMPANY. BECAUSE THEY GIVE INSTANT FEEDBACK TO ME. WHENEVER I CALL THEM WITHIN NEXT DAY THEY SEND THEIR COMPANY AGENT TO OVERCOME MY PROBLEM RELATED MY QUERY.
State Farm
The only thing I dislike is the occasional crashing or freezing of the website and the time I have to wait sometimes for it to be functional again.
Allstate
My home insurance, Allstate, is the friendliest company. I would recommend them to anyone looking for home insurance. The deductible and premiums are reasonable.