Carlsbad Insurance Rates:

Carlsbad, CA homeowners insurance is roughly $566 to $766, about $47-$63/month. Our all inclusive research indicates shoppers can save upto $266 by comparing different quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

The deductible is within reason based on our needs as well as manageable should I need to use the insurance during a disaster. The premium is within reason as well.
State Farm
I would definitely recommend State Farm based on my experience with customer service and competitive pricing.I have not filed any type of claim against my policy, based on my experience with the company.
I can not write about the insurance company with any real opinions other then there rates are high.We have had the same insurance on the house for 12 years and have never had to use it, so I guess I am lucky on that.
They are fair on pricing , lower they others and they do not go up without a reason like a lot of others do.
National General
Customer service so far has been great and easy with National General. We have only had to call once and it was a quick and simple phone call, where the representative was very helpful. I would rate them on a 5.
State Farm
My policy offers coverage on my dwelling as well as the land it sits on. I am not sure what other insurance policies offer.
I dislike that maybe it's a little overpriced
Nationwide is a great insurance company that takes care of their customer's needs. they are always there to be on your side.
Safeco Insurance
I like that I can access all of my information from the portal. It is quick and easy and has the information just a few clicks away.
State Farm
They give me a fairly good deal and have had good service. I'm not one to shop around and switch to save a couple of bucks. I'd rather just stick with one company. They also bundle with my auto insurance. So that helps make it a one-stop shop
State Farm
I have never had any issue or dissatisfaction with the company.
So far I like the company. We had a major leak and mild grew all in the walls. They covered most of the cost.
Liberty Mutual
The mobile app is user-friendly, I can see all necessary information such as coverage and balance due as well as make payments easily.
State Farm
Sometimes I can get a hold of the agency when I need to, but the actual company is fine and I have no complaints
State Farm
I recommend State Farm to anybody who is looking for an affordable and reliable option. I never have to worry too much about if something I need is being taken care of.
So far there are is nothing I do not like the company overall or period. Hopefully, it continues to be that way.
State Farm
I have never had a bad expr with the company so I have nothing bad to say.
I've been a Mercury Insurance customer for 13 years in a row now. I have always heard of how insurance companies rip people off etc.. Claims processing has never been an issue and they have always been very prompt.
I do not like how the adjuster took forever and that my claim fell through the crack, that the amount I thought was needed to repair the claim wasn't paid out so we had to come out of pocket with another $1000.
My current insurance company is very highly rated and I have not had any issues with them. They offer good coverage at competitive rates.
The customer service at Progressive is excellent. If you can't find something on their website and one usually can because it is very organized, you can always call and get someone.
I like my insurance agent. I have been with him so long that he knows me and will try to assist with anything I need.
Farmer's Insurance
We have always had great customer service, friendliness, and cooperation with our agent. This makes the whole claims process as well as interaction s with the company that much easier.
State Farm
I really like the service I got from my agent. The policy is exactly what I need without trying to sell me extra. The price is as good if not better than any other quotes I have gotten.

Carlsbad, CA Homeowners Insurance By Home Value

Carlsbad, CA Home Value Total Homes % of Total Average Carlsbad, CA Homeowners Insurance
Less than $50,000 252 4.0% $26
$60,000 to $69,999 92 1.0% $66
$100,000 to $124,999 133 2.0% $113
$125,000 to $149,999 73 1.0% $146
$150,000 to $174,999 216 4.0% $173
$175,000 to $199,999 196 3.0% $199
$200,000 to $249,999 540 10.0% $239
$250,000 to $299,999 668 12.0% $293
$300,000 to $399,999 3,075 57.0% $372

Top Home Insurance Agents Near Carlsbad, CA

Home Insurance Company Near Carlsbad, CA Homeowners Insurance Agency Near Carlsbad, CA Address
State Farm Andy Popka 9823 Campo Rd, Spring Valley, CA, 91977-1418
State Farm Bruce Anderson 871 Harold Pl, Chula Vista, CA, 91914-4512
Travelers Pacific Edge Insurance Agency 2850 PIO PICO DR STE E, CARLSBAD, CA, 92008
Allstate Philip Mullane 3555 Rosecrans St Ste 202, San Diego, CA, 92110
Liberty Mutual Independent Willis Ins Svcs Of Ca Inc 4250 EXECUTIVE SQ STE 250, LA JOLLA, CA, 92037

Carlsbad, CA Home Insurance Agents for Top Companies

Cost Of Homeowners Insurance By Street Near Carlsbad, CA

Streets in Carlsbad Area Homeowners Insurance Cost
Rancho la Presa, Kingston St, Chelsea Ln, Mac Arthur Ave, Solano St, Orion Way, Corte del Cruce, Eagle Dr, Heath Ct, Countryside Dr$639
Primrose Way, Condor Ct, Sagewood Way, Orange Blossom Way, Via Bella Monica, Anchor Way, Terraza Ribera, Citracado Cir, Cam de la Mitra, Vis Tierra$None
Paseo del Lago Dr, Foxglove Vw, St James Ct, Las Montanas, Via Roswitha, Melaleuca Ave, Delaney Ct, Cam Vida Roble, Pso Verde, Cousteau Ct$688
Lotus Blossom St, Coastview Ct, Mountain Pass Cir, Regatta Rd, Altisma Way, Pso Tienda, Torry Ct, Sitio Vaquero, Dove Hollow Ct, Corte Sasafras$655
Sitio Caucho, Ave la Cima, Rim Ct, Via Clemente, Acorn Rd, Blenkarne Dr, Sequoia Ave, Delgado Pl, Rancho Pancho, la Milla$656
la Golondrina St, Rancho Quartillo, Ave Diestro, Corte Tiburon, Paradise Rd, Grey Hawk Ct, Camden Dr, Feldspar Pl, Ave la Posta, First Light Rd$669
San Lucas, Via Astuto, Prism, Pascal Ct, Rockport Ct, Argosy Ln, Sereno Ct, Bluebonnet Dr, Sparta Dr, Alder Ave$692
Simsbury Ct, Corte Vera Cruz, Whitesail St, Bulrush Ct, Reeve Rd, Via Cancion, Weatherwood Cir, Cole Ranch Rd, Fieldstone Ln, Golden Star Ln$None
Seahorse Ct, Layang Layang Cir, Charter Oak Dr, Locust Ave, Donna Ct, Harrison St, Via Monte Verde, Shore View Ln, el Perico Ln, Mariner St$671
Carnation Ct, Spinnaker St, Moon Field Dr, la Bonita Dr, Rancho Carrizo, Monserrat Way, Sitio Frontera, Citrine, Brooks Way, Madera Ct$651

Carlsbad, CA Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Carlsbad$99 to $102
Lake San Marcos$95

Carlsbad, 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
Lake San Marcos CDP, California $80 $106 $159
Encinitas city, California $85 $113 $170
Vista city, California $78 $103 $155

Carlsbad, 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
Carlsbad, CA1.9%9.2%
Lake San Marcos2.52%9.26%

Carlsbad Renters Insurance as a Percentage of Rent

Carlsbad Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$300 to $499 188 1.0% $1214
$500 to $749 287 1.0% $1889
$750 to $999 1,296 8.0% $2639
$1,000 to $1,499 4,513 31.0% $3764
$1,500 or more 8,091 56.0% $5414

Average Cost Of Home Insurance By Company In Areas Nearby Carlsbad For Different Scenarios

Coverage ($) Deductible ($) Age of home Company Average homeowners insurance premium ($)
150000250NewStillwater Prop & Cas Co439
200000500NewHorace Mann P & C433
2500001000NewAmerican Reliable604
250000500NewCSE Safeguard521
4000001000NewPacific Property And Casualty426
5000001000NewAIG Prop Cas1257
5000002500NewCalifornia Capital610
5000002500NewTokio Marine America787
1500005001-3 YearsHartford (Sentinel)523
2500005001-3 YearsAmica Mutual583
50000010001-3 YearsTokio Marine America988
50000025001-3 YearsNationwide1061
1500002504-6 YearsHartford (Sentinel)593
1500002504-6 YearsUniversal North America441
1500005004-6 YearsQBE (Balboa)448
2000005004-6 YearsBankers Standard1668
2000005004-6 YearsMAPFRE Group535
25000010004-6 YearsBankers Standard1562
25000010004-6 YearsUSAA453
2500005004-6 YearsLiberty Ins Corp731
2500005004-6 YearsTravelers508
3000005004-6 YearsAmica Mutual779

Carlsbad, CA Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Yearly Carlsbad Homeowner Insurance Premium Example $1,800$1,300
Out of Pocket Expense During Claim$1,100$4,100
Total Home Insurance Premium for 7 years + Out of Pocket Expense for Claim $13,700$13,200
Net Savings to Carlsbad Home Owner from High Deductible Plan $500

Carlsbad, CA Home Insurance Costs With Home Replacement Value Scenarios

Scenario Carlsbad, CA Home Replacement Value MORE than Home Value Carlsbad, CA Home Replacement Value LESS than Home Value
Replacement Value $921,500 $681,500
Insurance Premium based on Replacement Value $2,575 $1,900
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $120,000 Risk Exposure from Under Insuring Coverage is $120,000
Premium Impact Insurance cheaper by $325/year Insurance costlier by $350/year

Example Carlsbad Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company GEICO InsuranceTravelersAllstate
Monthly Premium 38114219
Year Built 200719951985
Home Details 2 Beds, 1 Baths3 Beds, 2 Baths5 Beds, 2 Baths
Coverage Amount $200000-$250000$400000-$500000More than 10000000
Deductible $5000 to $10,000 Deductible$1000-$2500 Deductible$500- $1000 Deductible

Sample Home Insurance Rates for Carlsbad, CA from Consumer Reviews & Surveys

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1998 400,000 Wood Shake Roof 1,250 2 $2500-$5000 Deductible 980 12 Vinyl siding yes
2011 1,330,000 Composition Roof 4,420 5 > $10,000 Deductible 1020 8 Stone Siding No
1983 465,000 Tile Roof 1,820 3 $500 Deductible 540 6 Wood siding yes
1993 920,000 Asphalt Shingles Roof 2,650 4 $5000 to $10,000 Deductible 180 1 Wood siding yes
2003 645,000 Asphalt Shingles Roof 2,320 3 $500- $1000 Deductible 1200 7 Stucco siding yes
1990 755,000 Metal Roof 2,520 4 $2500-$5000 Deductible 270 2 Fiber-Cement Siding No
1985 830,000 Wood Shake Roof 3,300 4 $2500-$5000 Deductible 1780 9 Wood siding No
1995 890,000 Asphalt Shingles Roof 3,050 4 > $10,000 Deductible 960 8 Fiber-Cement Siding yes
2009 510,000 Wood Shake Roof 1,770 2 $500- $1000 Deductible 650 6 Fiber-Cement Siding yes
2001 460,000 Shingles Roof 1,940 4 $500 Deductible 1050 10 Vinyl siding yes
1989 390,000 Membrane Roof 1,540 2 $500 Deductible 930 9 Stone Siding yes
1988 415,000 Slate Shingles Roof 1,250 2 $2500-$5000 Deductible 580 7 Vinyl siding yes
2010 495,000 Composition Roof 1,820 4 > $10,000 Deductible 210 3 Fiber-Cement Siding yes
2010 640,000 Tile Roof 1,890 4 $500 Deductible 900 7 Vinyl siding yes
2004 365,000 Composition Roof 1,350 3 $500- $1000 Deductible 220 3 Stucco siding No
2010 840,000 Membrane Roof 2,790 4 $500- $1000 Deductible 1790 9 Vinyl siding yes
1988 445,000 Wood Shake Roof 1,630 2 $1000-$2500 Deductible 90 1 Brick siding No
2004 500,000 Metal Roof 1,950 4 $5000 to $10,000 Deductible 930 9 Stone Siding No
2011 405,000 Wood Shake Roof 1,510 2 $500- $1000 Deductible 510 5 Stucco siding No
1993 410,000 Tile Roof 1,360 3 $5000 to $10,000 Deductible 200 4 Fiber-Cement Siding No
2010 640,000 Composition Roof 1,980 4 $500 Deductible 2210 12 Wood siding yes
1984 955,000 Asphalt Shingles Roof 3,310 4 $1000-$2500 Deductible 1470 10 Stucco siding yes
1985 430,000 Membrane Roof 1,460 3 > $10,000 Deductible 70 1 Vinyl siding No
1987 695,000 Tile Roof 2,050 4 $500 Deductible 560 3 Stucco siding No
1989 830,000 Shingles Roof 3,410 5 $500 Deductible 1220 9 Fiber-Cement Siding No
1989 955,000 Metal Roof 3,370 5 > $10,000 Deductible 130 1 Fiber-Cement Siding yes
2003 345,000 Tile Roof 1,020 2 $500 Deductible 270 3 Stucco siding No
2011 595,000 Slate Shingles Roof 1,810 3 $2500-$5000 Deductible 590 7 Stone Siding No
1993 490,000 Membrane Roof 1,940 4 $500- $1000 Deductible 1130 10 Fiber-Cement Siding No
1995 1,350,000 Asphalt Shingles Roof 3,703 3 $2500-$5000 Deductible 1560 6 Fiber-Cement Siding No

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