Big Bear Lake, CA Home Insurance - Analysis On Quotes, Rates & Agents
Big Bear Lake Insurance Rates:
Big Bear Lake, CA homeowners insurance is roughly $524 to $718, about $43-$59/month. Our in depth analysis reveals consumers can save as much as $248 by getting many quotes. Enter your zipcode below and click “GO” to get multiple free quotes.
Cheap Homeowners Insurance Big Bear Lake, CA
Big Bear Lake is a small city in California where around 5,085 residents relish terrain parks, mountain biking, and snowboarding. But Big Bear Lake is also famous for frequent thefts and burglaries. Do you think your home and belongings are safe in a city like Big Bear Lake, California? Apart from that, the chances of earthquake damage, thunderstorms, wind, and flood damage in Big Bear Lake are higher than the national average. Do you think you can financially fund a huge amount to rebuild the house during such a catastrophic loss?
Therefore, homeowners insurance in Big Bear Lake is a wise investment to protect your family and home. The average cost of home insurance in Big Bear Lake is $1021. Most homeowners find this amount a little overwhelming, but here are a few ways that will help you save a few dollars.
Ways to reduce your home insurance in Big Bear Lake, CA is:
a. By installing safety features to protect your home
Most residents install safety features like fire alarm systems or home monitoring systems to cut down on homeowners insurance in Big Bear Lake, CA. This reduces the risk of disaster or theft, hence allowing insurance providers to lower your Big Bear Lake home insurance.
For instance, homes with deadbolts will block all the major entry points for the burglar to breakthrough into the house. It will reduce the chances of theft. Homes with deadbolts in Big Bear Lake pay $908.69 on home insurance. With more advanced features, the premium on home insurance will reduce.
Homeowners can further reduce the cost of insurance by installing more advanced features in their homes. Refer to the chart below to know the cost of insurance based on the safety features.
b. By using study materials to construct your home
Big Bear Lake California home insurance can be reduced by using sturdy and damage-free materials while building your home. Adding upgrades such as impact-resistant roofing, storm shutters, and fire-resistive brick can get you a discount on the insurance cost. Homeowners in Big Bear Lake who have used masonry and fire-resistive brick to build their homes pay $969.95 and $888.27, respectively.
c. By maintaining zero claims history
Residents can reduce their home insurance in Big Bear Lake by displaying a zero claims history. Therefore, homeowners should be mindful while making claims for minor repairs. It is advised that homeowners pay out of their pocket for small expenses. Homeowners with zero claims pay $878.06 in Big Blue Lake, whereas homeowners with one or two claims pay $1102.68 and $1143.52, respectively.
Big Bear Lake, CA Homeowners Insurance By Home Value
| Big Bear Lake, CA Home Value | Total Homes | % of Total | Average Big Bear Lake, CA Homeowners Insurance |
|---|---|---|---|
| Less than $50,000 | 171 | 19.0% | $43 |
| $80,000 to $89,999 | 12 | 1.0% | $155 |
| $100,000 to $124,999 | 52 | 5.0% | $198 |
| $125,000 to $149,999 | 12 | 1.0% | $248 |
| $150,000 to $174,999 | 71 | 8.0% | $298 |
| $175,000 to $199,999 | 40 | 4.0% | $341 |
| $200,000 to $249,999 | 69 | 7.0% | $409 |
| $250,000 to $299,999 | 154 | 17.0% | $503 |
| $300,000 to $399,999 | 301 | 34.0% | $639 |
Top Home Insurance Agents Near Big Bear Lake, CA
| Home Insurance Company Near Big Bear Lake, CA | Homeowners Insurance Agency Near Big Bear Lake, CA | Address |
|---|---|---|
| State Farm | Fred Hanrahan | 3158 W Ramsey St Ste A, Banning, CA, 92220-3740 |
| Travelers | J F Welch Insurance Services Inc | 6560 VAN BUREN BLVD STE B, RIVERSIDE, CA, 92503 |
| State Farm | Joe Ruiz | 27194 Baseline St Ste C, Highland, CA, 92346-3197 |
| State Farm | Peggy Ames | 44740 Monterey Ave, Palm Desert, CA, 92260-3326 |
| Liberty Mutual Independent | The Empire Company | 10201 TRADEMARK ST STE D, RANCHO CUCAMONGA, CA, 91730 |
Cost Of Homeowners Insurance By Street Near Big Bear Lake, CA
| Streets in Big Bear Lake Area | Homeowners Insurance Cost |
|---|---|
| Mountain Lake Rd, Blue Bird Ln, Panamint Mtn Dr, Stone Bridge Rd, N Division Dr, Wendy Ave, Scandia Ct, Esterly Ln, Primrose Ct, N Olympic Rd | $631 |
| Jenks Lake Rd W, High Line Aqueduct Rd, Short Ln, Clarks Grd, Knickerbocker Rd, Knight Ave, Baker Rd, Tinker Bell Ave, Oriole Dr, 3N09 | $620 |
| Snowbird Ct, Balboa Ln, Golden Oak Rd, Pine Bench Rd, Prevost Pl, Gibralter Ln, Snake Dance, Cinderella Dr, Coffey Rd, Spruce Rd | $610 |
| Ruben Way, Old Mill Creek Rd, Lakeview, Oriole Dr, W Alpenweg Dr, 2N68, Sugarpine Rd, Bayview Rd, Cedar-Dell, Garden Pl | $611 |
| Stanfield Cutoff, St Moritz Dr, Mapleleaf Dr, Rockspray Dr, Orchard Ln, Hideaway Ln, 3N93 Forest Svc Rd, Sylvan Glen, Yucaipa Ridge Truck Trl, N 13 | $622 |
Big Bear Lake, CA Home Insurance Savings For Senior Occupied Homes
| Place | Savings For Senior Occupied Homes |
|---|---|
| Big Bear Lake | $92 to $95 |
| Big Bear | $91 |
| Big Bear City | $90 |
| Lucerne Valley | $87 |
Big Bear Lake, CA Auto & Homeowners Insurance Bundling Discounts
| Place | 1 Car Bundle Savings On Insurance | 2 Car Bundle Savings On Insurance | 3 Car Bundle Savings On Insurance |
|---|---|---|---|
| Big Bear CCD, San Bernardino County, California | $91 | $121 | $182 |
| Big Bear City CDP, California | $90 | $120 | $180 |
| Running Springs CDP, California | $90 | $120 | $180 |
Big Bear Lake, CA Area Home Insurance as a % of Housing Cost
| Place | Home insurance as a % of housing cost for homes with mortgage | Home insurance as a % of housing cost for homes without mortgage |
|---|---|---|
| Big Bear Lake, CA | 2.9% | 9.3% |
| Big Bear | 3.11% | 10.06% |
| Big Bear City | 3.37% | 10.01% |
| Running Springs | 3.36% | 13.06% |
Big Bear Lake Renters Insurance as a Percentage of Rent
| Big Bear Lake Home By Monthly Rent | Total Homes | % of Total | Estimated Monthly Income To Afford Rented House Including Renters Insurance |
|---|---|---|---|
| $200 to $299 | 12 | 1.0% | $788 |
| $500 to $749 | 265 | 28.0% | $1913 |
| $750 to $999 | 203 | 22.0% | $2663 |
| $1,000 to $1,499 | 279 | 30.0% | $3788 |
| $1,500 or more | 147 | 16.0% | $5438 |
Average Cost Of Home Insurance By Company In Areas Nearby Big Bear Lake For Different Scenarios
| Coverage ($) | Deductible ($) | Age of home | Company | Average homeowners insurance premium ($) |
|---|---|---|---|---|
| 150000 | 250 | New | Metropolitan Direct | 736 |
| 150000 | 500 | New | Universal North America | 338 |
| 200000 | 500 | New | General Ins | 362 |
| 250000 | 1000 | New | Western Mutual/Residence | 790 |
| 500000 | 2500 | New | Century National | 835 |
| 150000 | 250 | 1-3 Years | Homesite | 712 |
| 200000 | 500 | 1-3 Years | Horace Mann | 438 |
| 200000 | 500 | 1-3 Years | Universal North America | 462 |
| 250000 | 1000 | 1-3 Years | American Modern | 748 |
| 250000 | 1000 | 1-3 Years | USAA | 544 |
| 250000 | 500 | 1-3 Years | Stillwater Ins Co | 889 |
| 300000 | 500 | 1-3 Years | American Reliable | 801 |
| 300000 | 500 | 1-3 Years | First American Ins | 834 |
| 400000 | 1000 | 1-3 Years | Amco | 978 |
| 500000 | 1000 | 1-3 Years | Farmers (Fire Ins) | 1878 |
| 750000 | 2500 | 1-3 Years | Mercury Ins Group | 750 |
| 150000 | 250 | 4-6 Years | Century National | 467 |
| 150000 | 500 | 4-6 Years | American Reliable | 463 |
| 150000 | 500 | 4-6 Years | American Security | 366 |
| 150000 | 500 | 4-6 Years | Safeco | 672 |
| 200000 | 500 | 4-6 Years | Century National | 551 |
| 250000 | 500 | 4-6 Years | General Ins | 536 |
| 300000 | 500 | 4-6 Years | Century National | 810 |
| 400000 | 1000 | 4-6 Years | American Security | 930 |
Big Bear Lake, CA Home Insurance Costs With Deductible Scenario
| Low Deductible | High Deductible | |
|---|---|---|
| Deductible | $1,900 | $2,900 |
| Yearly Big Bear Lake Homeowner Insurance Premium Example | $900 | $700 |
| Out of Pocket Expense During Claim | $1,900 | $2,900 |
| Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim | $9,100 | $8,500 |
| Net Savings to Big Bear Lake Home Owner from High Deductible Plan | $600 | |
Big Bear Lake, CA Home Insurance Costs With Home Replacement Value Scenarios
| Scenario | Big Bear Lake, CA Home Replacement Value MORE than Home Value | Big Bear Lake, CA Home Replacement Value LESS than Home Value |
|---|---|---|
| Replacement Value | $427,000 | $307,500 |
| Insurance Premium based on Replacement Value | $1,075 | $775 |
| Risk Exposure from Under Insuring Coverage | Unnecessary Home Insurance Coverage of $54,500 | Risk Exposure from Under Insuring Coverage is $65,000 |
| Premium Impact | Insurance cheaper by $175/year | Insurance costlier by $125/year |
Example Big Bear Lake Homeowners Insurance Comparison Table to Compare The Cheapest Quotes
| Insurance Company | Liberty Mutual | State Farm | Nationwide Insurance |
| Monthly Premium | 36 | 106 | 135 |
| Year Built | 1979 | 1999 | 2000 |
| Home Details | 2 Beds, 1 Baths | 3 Beds, 1 Baths | 4 Beds, 3 Baths |
| Coverage Amount | $200000-$250000 | $350000-$400000 | $500000-$600000 |
| Deductible | $2500-$5000 Deductible | $500 Deductible | $1000-$2500 Deductible |
Sample Home Insurance Rates for Big Bear Lake, CA from Consumer Reviews & Surveys
| Year Built | Home Value | Roof Type | Sqft | Number of Bedrooms | Deductible | Premium | Premium Months | Siding Type | Smoker/Non Smoker |
|---|---|---|---|---|---|---|---|---|---|
| 1966 | 340,000 | Slate Shingles Roof | 1,700 | 2 | > $10,000 Deductible | 90 | 2 | Wood siding | yes |
| 1997 | 455,000 | Membrane Roof | 3,130 | 4 | $2500-$5000 Deductible | 70 | 1 | Wood siding | No |
| 1975 | 130,000 | Metal Roof | 940 | 2 | $500- $1000 Deductible | 300 | 12 | Brick siding | No |
| 1990 | 555,000 | Wood Shake Roof | 3,360 | 4 | $5000 to $10,000 Deductible | 80 | 1 | Vinyl siding | No |
| 1997 | 305,000 | Metal Roof | 1,530 | 3 | > $10,000 Deductible | 450 | 10 | Fiber-Cement Siding | No |
| 1971 | 320,000 | Membrane Roof | 2,360 | 3 | > $10,000 Deductible | 300 | 10 | Vinyl siding | No |
| 1981 | 295,000 | Composition Roof | 1,830 | 3 | $500- $1000 Deductible | 130 | 2 | Brick siding | yes |
| 1968 | 250,000 | Composition Roof | 1,620 | 3 | > $10,000 Deductible | 300 | 8 | Stucco siding | No |
| 1977 | 450,000 | Shingles Roof | 2,420 | 4 | $500 Deductible | 1260 | 12 | Wood siding | yes |
| 2005 | 240,000 | Membrane Roof | 1,400 | 3 | > $10,000 Deductible | 70 | 3 | Wood siding | yes |
| 2002 | 305,000 | Slate Shingles Roof | 1,640 | 3 | $2500-$5000 Deductible | 340 | 6 | Stucco siding | yes |
| 1982 | 505,000 | Membrane Roof | 2,580 | 4 | > $10,000 Deductible | 590 | 9 | Vinyl siding | yes |
| 1993 | 265,000 | Shingles Roof | 1,600 | 3 | > $10,000 Deductible | 340 | 8 | Vinyl siding | yes |
| 1975 | 240,000 | Shingles Roof | 1,740 | 2 | $5000 to $10,000 Deductible | 300 | 6 | Wood siding | No |
| 1960 | 140,000 | Slate Shingles Roof | 1,010 | 2 | $500- $1000 Deductible | 140 | 4 | Stone Siding | yes |
| 1983 | 230,000 | Composition Roof | 1,240 | 3 | $1000-$2500 Deductible | 790 | 12 | Vinyl siding | No |
| 1994 | 470,000 | Slate Shingles Roof | 3,100 | 4 | > $10,000 Deductible | 410 | 9 | Vinyl siding | yes |
| 1989 | 270,000 | Membrane Roof | 1,460 | 2 | > $10,000 Deductible | 30 | 1 | Stucco siding | yes |
| 1986 | 295,000 | Tile Roof | 2,050 | 4 | > $10,000 Deductible | 60 | 2 | Wood siding | yes |
| 1967 | 380,000 | Shingles Roof | 2,280 | 3 | $500- $1000 Deductible | 820 | 12 | Vinyl siding | No |
| 1969 | 490,000 | Slate Shingles Roof | 2,940 | 4 | $5000 to $10,000 Deductible | 720 | 7 | Stone Siding | yes |
| 2007 | 380,000 | Asphalt Shingles Roof | 2,120 | 3 | $500- $1000 Deductible | 580 | 9 | Brick siding | yes |
| 1999 | 550,000 | Slate Shingles Roof | 3,050 | 4 | $5000 to $10,000 Deductible | 1100 | 10 | Fiber-Cement Siding | No |
| 2000 | 255,000 | Slate Shingles Roof | 1,480 | 3 | > $10,000 Deductible | 220 | 8 | Wood siding | yes |
| 2006 | 320,000 | Shingles Roof | 2,220 | 3 | > $10,000 Deductible | 210 | 5 | Stucco siding | No |
| 1988 | 230,000 | Shingles Roof | 1,190 | 2 | > $10,000 Deductible | 30 | 1 | Brick siding | yes |
| 2008 | 500,000 | Metal Roof | 2,710 | 4 | $5000 to $10,000 Deductible | 650 | 8 | Fiber-Cement Siding | yes |
| 1973 | 165,000 | Membrane Roof | 900 | 2 | $500- $1000 Deductible | 220 | 6 | Stucco siding | No |
| 1972 | 270,000 | Wood Shake Roof | 1,350 | 2 | $5000 to $10,000 Deductible | 180 | 5 | Stone Siding | yes |
| 1976 | 260,000 | Composition Roof | 1,570 | 3 | $1000-$2500 Deductible | 540 | 9 | Wood siding | yes |
| 1979 | 475,000 | Membrane Roof | 3,160 | 4 | $2500-$5000 Deductible | 190 | 2 | Wood siding | No |
| 1964 | 610,000 | Membrane Roof | 2,990 | 4 | $2500-$5000 Deductible | 750 | 5 | Stucco siding | No |
| 1992 | 625,000 | Composition Roof | 3,080 | 4 | $1000-$2500 Deductible | 850 | 7 | Stone Siding | yes |
Latest Home Insurance Reviews
GeicoI am satisfied with the offerings. I feel like i have good coverage at a reasonable cost. I dont think i could do a whole lot better