Chula Vista Insurance Rates:

Chula Vista, CA homeowners insurance is approximately $532 to $719, about $44-$59/month. Our in depth research shows customers can save as much as $250 by comparing multiple quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

State Farm
I love how state farm also gives grace periods. after making a certain amount of payments, you get a month's break.
Farmer's Insurance
We would like to see their riders and options annually electronically. they may provide access online but i am not sure of this.
Esurance
Wish some of the coverage were a bit higher for household items.
State Farm
Anytime I have had a problem they have been very quick to help me. I have needed to file a claim in the past and that was done with ease.
Progressive
The company has a good reputation for honoring coverage for disastrous events, which usually is an issue for most other companies.
Allstate
I don't usually hear from them unless I contact them. This is the way that I like it because I don't like to be pestered so it works out well for me.

Chula Vista, CA Homeowners Insurance By Home Value

Chula Vista, CA Home Value Total Homes % of Total Average Chula Vista, CA Homeowners Insurance
Less than $50,000 2,330 8.0% $37
$100,000 to $124,999 565 2.0% $187
$125,000 to $149,999 426 1.0% $231
$150,000 to $174,999 1,007 3.0% $275
$175,000 to $199,999 762 2.0% $319
$200,000 to $249,999 3,652 13.0% $381
$250,000 to $299,999 4,264 16.0% $469
$300,000 to $399,999 12,508 47.0% $594

Top Home Insurance Agents Near Chula Vista, CA

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

Cost Of Homeowners Insurance By Street Near Chula Vista, CA

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

Chula Vista, CA Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Chula Vista$93 to $95
Bonita$97
National City$91
Imperial Beach$93

Chula Vista, 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
Bonita CDP, California $81 $108 $162
National City city, California $77 $102 $153
La Presa CDP, California $77 $102 $153

Chula Vista, 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
Chula Vista, CA2.0%13.0%
Bonita1.98%9.85%
National City2.73%15.27%
La Presa2.64%14.19%

Chula Vista Renters Insurance as a Percentage of Rent

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

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

Coverage ($) Deductible ($) Age of home Company Average homeowners insurance premium ($)
2500001000NewHartford (Sentinel)577
2500001000NewWawanesa505
300000500NewMercury Ins Group333
5000001000NewHartford (Sentinel)948
5000001000NewOregon Mutual812
1500002501-3 YearsUnigard Group446
2000005001-3 YearsIDS Property Casualty527
2500005001-3 YearsGrange641
40000010001-3 YearsAIG Prop Cas1065
40000010001-3 YearsTravelers636
40000010001-3 YearsUnigard Group792
50000010001-3 YearsFirst American Ins896
50000010001-3 YearsWawanesa871
50000025001-3 YearsCentury National859
75000025001-3 YearsAmica Mutual1309
2000005004-6 YearsUniversal North America430
50000025004-6 YearsAmica Mutual1076
1500002507-15 YearsCentury National492
2000005007-15 YearsForemost Insurance847
2500005007-15 YearsFirst American Ins721
50000010007-15 YearsAmco1363
15000050016-25 YearsFirst American Ins460
15000050016-25 YearsHorace Mann398
20000050016-25 YearsHorace Mann P & C609

Chula Vista, CA Home Insurance Costs With Deductible Scenario

Low DeductibleHigh 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

Chula Vista, CA Home Insurance Costs With Home Replacement Value Scenarios

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

Example Chula Vista Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company TravelersState FarmAllstate
Monthly Premium 4260146
Year Built 196719962011
Home Details 4 Beds, 3 Baths2 Beds, 1 Baths5 Beds, 4 Baths
Coverage Amount $300000-$350000$200000-$250000$500000-$600000
Deductible > $10,000 Deductible$500 Deductible$500 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
2004 265,000 Shingles Roof 1,380 3 $2500-$5000 Deductible 380 8 Wood siding yes
1966 580,000 Membrane Roof 2,770 5 > $10,000 Deductible 550 9 Stone Siding yes
1996 425,000 Asphalt Shingles Roof 2,260 4 $1000-$2500 Deductible 210 2 Stucco siding No
1994 270,000 Wood Shake Roof 1,620 2 $2500-$5000 Deductible 70 1 Stone Siding No
1994 735,000 Metal Roof 3,470 5 $2500-$5000 Deductible 860 6 Stucco siding No
1985 265,000 Asphalt Shingles Roof 1,730 4 > $10,000 Deductible 320 8 Brick siding No
1979 435,000 Shingles Roof 2,300 3 $2500-$5000 Deductible 260 3 Fiber-Cement Siding No
2003 690,000 Shingles Roof 3,300 4 $5000 to $10,000 Deductible 320 3 Brick siding No
2011 325,000 Wood Shake Roof 1,720 4 $1000-$2500 Deductible 530 10 Brick siding yes
1961 385,000 Membrane Roof 2,200 4 > $10,000 Deductible 130 4 Wood siding No
2007 395,000 Slate Shingles Roof 1,970 3 $1000-$2500 Deductible 680 9 Brick siding No
1998 505,000 Metal Roof 2,197 4 $5000 to $10,000 Deductible 1880 10 Wood siding yes