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.

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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.

Cheap_Homeowners_Insurance_Big_Bear_Lake_CA

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

PlaceSavings 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

PlaceHome insurance as a % of housing cost for homes with mortgageHome insurance as a % of housing cost for homes without mortgage
Big Bear Lake, CA2.9%9.3%
Big Bear3.11%10.06%
Big Bear City3.37%10.01%
Running Springs3.36%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 ($)
150000250NewMetropolitan Direct736
150000500NewUniversal North America338
200000500NewGeneral Ins362
2500001000NewWestern Mutual/Residence790
5000002500NewCentury National835
1500002501-3 YearsHomesite712
2000005001-3 YearsHorace Mann438
2000005001-3 YearsUniversal North America462
25000010001-3 YearsAmerican Modern748
25000010001-3 YearsUSAA544
2500005001-3 YearsStillwater Ins Co889
3000005001-3 YearsAmerican Reliable801
3000005001-3 YearsFirst American Ins834
40000010001-3 YearsAmco978
50000010001-3 YearsFarmers (Fire Ins)1878
75000025001-3 YearsMercury Ins Group750
1500002504-6 YearsCentury National467
1500005004-6 YearsAmerican Reliable463
1500005004-6 YearsAmerican Security366
1500005004-6 YearsSafeco672
2000005004-6 YearsCentury National551
2500005004-6 YearsGeneral Ins536
3000005004-6 YearsCentury National810
40000010004-6 YearsAmerican Security930

Big Bear Lake, CA Home Insurance Costs With Deductible Scenario

Low DeductibleHigh 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 MutualState FarmNationwide Insurance
Monthly Premium 36106135
Year Built 197919992000
Home Details 2 Beds, 1 Baths3 Beds, 1 Baths4 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

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