Chula Vista ,CA Home Insurance - The cost of homeowners insurance is influenced by a range of factors, including the value of your coverage, deductible, and the construction materials used in your home.
VHome Insurance conducted a thorough analysis of the Chula Vista, CA homeowners insurance market, taking into account factors like average costs, range of coverages, deductibles and customer satisfaction ratings to determine the best providers. The Average home insurance cost in Chula Vista, CA is $1368. Enter your zipcode below and click “GO” to get multiple free quotes.
It is important to understand the different coverage options available in Chula Vista, CA. VHome Insurance will help you navigate the world of homeowners insurance coverages in Chula Vista, CA.
| Coverage Level | Average Annual Premium |
|---|---|
| $100,000 | $547 |
| $200,000 | $930 |
| $300,000 | $1,149 |
| $400,000 | $1,751 |
| $500,000 | $2,202 |
Home insurance costs in Chula Vista can vary greatly based on location. The frequency of claims in your area can affect the cost of your policy. Simply put, the location of your home can significantly impact your homeowners insurance premium.
| Zipcode | Average Insurance Premium |
|---|---|
| 091914 | $1,337 |
| 91913 | $1,301 |
| 91915 | $1,307 |
| 91910 | $1,294 |
| 91911 | $1,280 |
One key aspect of your policy is the deductible, which is the amount you pay out of pocket before your insurance kicks in. Choosing the right deductible can have a major impact on your insurance premiums and overall savings. In this guide, we'll help you understand the options available for homeowners insurance deductibles in Chula Vista, CA, and how to choose the right one for your needs.
| Deductible Level | Average Annual Premium |
|---|---|
| $500 Deductible | $1,403 |
| $1000 Deductible | $1,254 |
| $1500 Deductible | $1,183 |
| $2500 Deductible | $1,067 |
| $5000 Deductible | $903 |
| Home Insurance Company Near Chula Vista, CA | Homeowners Insurance Agency Near Chula Vista, CA | Address |
|---|---|---|
| Farmers | Glenn Domingo Csd Csp Lutcf | 3520 College Blvd Ste 105, Oceanside, CA, 92056 |
| Allstate | J. Scott Hazelrigg | 997 W San Marcos Blvd Ste 103, San Marcos, CA, 92078 |
| Allstate | Jim Kelly | 9600 Cuyamaca St Ste 204, Santee, CA, 92071 |
| Farmers | Kathy Reutter | 1651 E Main St Ste 202, El Cajon, CA, 92021 |
| Farmers | Scot Adams | 13794 Highway 8 Business, El Cajon, CA, 92021 |
| Place | 1 Car Bundle Savings On Insurance | 2 Car Bundle Savings On Insurance | 3 Car Bundle Savings On Insurance |
|---|---|---|---|
| Bonita CDP, California | $81 | $108 | $162 |
| National City city, California | $77 | $102 | $153 |
| La Presa CDP, California | $77 | $102 | $153 |
| Place | Home insurance as a % of housing cost for homes with mortgage | Home insurance as a % of housing cost for homes without mortgage |
|---|---|---|
| Chula Vista, CA | 2.0% | 13.0% |
| Bonita | 1.98% | 9.85% |
| National City | 2.73% | 15.27% |
| La Presa | 2.64% | 14.19% |
| Chula Vista Home By Monthly Rent | Total Homes | % of Total | Estimated Monthly Income To Afford Rented House Including Renters Insurance |
|---|---|---|---|
| $200 to $299 | 675 | 2.0% | $786 |
| $300 to $499 | 668 | 2.0% | $1236 |
| $500 to $749 | 1,356 | 4.0% | $1911 |
| $750 to $999 | 6,053 | 20.0% | $2661 |
| $1,000 to $1,499 | 10,569 | 36.0% | $3786 |
| $1,500 or more | 9,911 | 33.0% | $5436 |
| Streets in Chula Vista Area | Homeowners Insurance Cost |
|---|---|
| Fallbrook Ct, Hunte Pkwy, Cll del Amor, Ocala Ct, Reed Ct, Majestad Ln, Plaza Bonita Rd, Sherwood St, Duoro Dr, Palo Alto Dr | $622 |
| Vis San Carlos, The Hill Rd, Black Walnut Ct, Port Cardiff, Zamora Ct, Encantada Ct, Boeing St, Volcano Creek Rd, Blackwood Rd, Kent St | $628 |
| Citrus Ave, Bus Center Ct, Fernwood Rd, Bellagio St, Pso la Cresta, Casa Verde Ct, Granada Way, Plz Salinas, Frontage Rd, Burdock Way | $628 |
| Fairway Ct, Cheyenne Dr, Date Ct, Ladiosa Ct, Jarron Plz, Tennis Court Ln, Rosemary Pl, Bexley Rd, Surf Shoal Pt, Plz Alonzo | $655 |
| Otis St, Monte Sereno Ave, Red Granite Rd, Robin Pl, Plz Lorenzo, Magdalena Ave, Corte de Las Piedras, San Pablo Pl, Dolan Pl, Bajo Ct | $646 |
| Ola Ct, Alameda Way, Sundance Ct, Plz Capote, Sonora Dr, Sunset Crossing Pt, Corso Di Italia, Cornell Ave, Jefferson Rd, Carolyn Vista Ln | $644 |
| Forest Lake Dr, Cmt Rinaldo, Edgehill Dr, Sky Blue St, Bonita Woods Dr, Blue Ridge Dr, Sierra Way, Loping Ln, Balboa Cir, Sandal Ln | $626 |
| Hedge Way, Bonita Rd, Greenbriar Dr, Halecrest Dr, W Naples St, Waverly Ct, Jonel Way, Doolittle Ave, Alta Rd, Redlands Pl | $622 |
| Corte Helena Ave, Orchard Hill Rd, Tamayo Dr, Challis Pl, Pinyon Ridge Dr, Rock Bluff Way, Milagrosa Cir, Myra Ave, Millan St, Bryan Point Dr | $653 |
| Plz Narisco, Martos Pl, Galveston Way, Santa Cruz Ct, Alta Loma Ct, Surfwood Ln, Cantata Dr, Miguel Trail Pl, Rue Marseilles, Starshower Ln | $668 |
| Place | Savings For Senior Occupied Homes |
|---|---|
| Chula Vista | $93 to $95 |
| Bonita | $97 |
| National City | $91 |
| Imperial Beach | $93 |
| Coverage ($) | Deductible ($) | Age of home | Company | Average homeowners insurance premium ($) |
|---|---|---|---|---|
| 250000 | 1000 | New | Hartford (Sentinel) | 577 |
| 250000 | 1000 | New | Wawanesa | 505 |
| 300000 | 500 | New | Mercury Ins Group | 333 |
| 500000 | 1000 | New | Hartford (Sentinel) | 948 |
| 500000 | 1000 | New | Oregon Mutual | 812 |
| 150000 | 250 | 1-3 Years | Unigard Group | 446 |
| 200000 | 500 | 1-3 Years | IDS Property Casualty | 527 |
| 250000 | 500 | 1-3 Years | Grange | 641 |
| 400000 | 1000 | 1-3 Years | AIG Prop Cas | 1065 |
| 400000 | 1000 | 1-3 Years | Travelers | 636 |
| 400000 | 1000 | 1-3 Years | Unigard Group | 792 |
| 500000 | 1000 | 1-3 Years | First American Ins | 896 |
| 500000 | 1000 | 1-3 Years | Wawanesa | 871 |
| 500000 | 2500 | 1-3 Years | Century National | 859 |
| 750000 | 2500 | 1-3 Years | Amica Mutual | 1309 |
| 200000 | 500 | 4-6 Years | Universal North America | 430 |
| 500000 | 2500 | 4-6 Years | Amica Mutual | 1076 |
| 150000 | 250 | 7-15 Years | Century National | 492 |
| 200000 | 500 | 7-15 Years | Foremost Insurance | 847 |
| 250000 | 500 | 7-15 Years | First American Ins | 721 |
| 500000 | 1000 | 7-15 Years | Amco | 1363 |
| 150000 | 500 | 16-25 Years | First American Ins | 460 |
| 150000 | 500 | 16-25 Years | Horace Mann | 398 |
| 200000 | 500 | 16-25 Years | Horace Mann P & C | 609 |
| Low Deductible | High Deductible | |
|---|---|---|
| Deductible | $1,400 | $2,400 |
| Yearly Chula Vista Homeowner Insurance Premium Example | $900 | $700 |
| Out of Pocket Expense During Claim | $1,400 | $2,400 |
| Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim | $8,600 | $8,000 |
| Net Savings to Chula Vista Home Owner from High Deductible Plan | $600 | |
| Scenario | Chula Vista, CA Home Replacement Value MORE than Home Value | Chula Vista, CA Home Replacement Value LESS than Home Value |
|---|---|---|
| Replacement Value | $383,000 | $231,000 |
| Insurance Premium based on Replacement Value | $1,025 | $625 |
| Risk Exposure from Under Insuring Coverage | Unnecessary Home Insurance Coverage of $85,500 | Risk Exposure from Under Insuring Coverage is $66,500 |
| Premium Impact | Insurance cheaper by $175/year | Insurance costlier by $225/year |
| Insurance Company | Travelers | State Farm | Allstate |
| Monthly Premium | 42 | 60 | 146 |
| Year Built | 1967 | 1996 | 2011 |
| Home Details | 4 Beds, 3 Baths | 2 Beds, 1 Baths | 5 Beds, 4 Baths |
| Coverage Amount | $300000-$350000 | $200000-$250000 | $500000-$600000 |
| Deductible | > $10,000 Deductible | $500 Deductible | $500 Deductible |