Downey, CA Home Insurance - Analysis On Quotes, Rates & Agents

Downey, CA Insurance Rates:

The average cost of home insurance in the U.S. is $1,438. But, the cost of home insurance in a specific region depends on various factors including Zip Code, age, and value of the house, construction time, etc. The average cost of insurance in Downey, CA is $1503 Enter your Zip Code in the banner below to get instant home insurance quotes. vHomeInsurance undertook a detailed analysis of the cost of insurance in Downey, CA.

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Average Home Insurance Premium in Downey, CA

National Average Premium State Average Premium Downey Average Premium
$1,438 $1,291 $1,503

Top Home Insurance Companies in Downey, CA | Back to Top

The following is a list of home insurance companies that provide the best home insurance quotes in Downey, CA

Company Name Coverage $70,000 Coverage $150,000 Coverage $200,000 Coverage $350,000
California Casualty $617 $886 $869 $1,054
Nationwide $661 $892 $1,208 $1,386
Liberty Mutual $760 $1,061 $1,191 $1,289
Amica Mutual $698 $951 $1,104 $1,414
Hartford $738 $982 $1,135 $1,515

Downey, CA Homeowners Insurance for Different Coverages | Back to Top

Coverage Type Home Insurance Cost($)
$100,000 To $124,999 367.29
$150,000 To $174,999 496.05
$175,000 To $199,999 545.69
$200,000 To $249,999 645.93
$250,000 To $299,999 908.62
$300,000 To $399,999 1,309.37
$400,000 To $499,999 1,575.8
$500,000 To $749,999 2,017.02
$750,000 To $999,999 2,332.18
$1000,000 To $1499,999 2,568.55
$1500,000 To $2000,000 2,757.65

Visual Guide for Downey, CA Home Insurance Buyers on Insurance Companies and Rates

Top Home Insurance Agents Near Downey, CA | Back to Top

Home Insurance Company Near Downey, CA Homeowners Insurance Agency Near Downey, CA Address
Liberty Mutual Independent Bannister & Associates 305 17TH ST, HUNTINGTON BEACH, CA, 92648
State Farm Karla Greene 611 Wilshire Blvd Ste 911, Los Angeles, CA, 90017-2905
State Farm Kristi Isaac 250 26th St Ste 200, Santa Monica, CA, 90402-2547
Travelers Partner Agency Insurance Services Inc 975 W IMPERIAL HWY STE 100, BREA, CA, 92821
State Farm Tim Bush 1000 Quail St Ste 225, Newport Beach, CA, 92660-2783

List of Downey, CA Home Insurance Agents by Companies


Downey, CA Homeowners Insurance Rates Based on Claims Filed | Back to Top

Homeowners in Downey, CA who have no previous history of claims filed are eligible for a discount of $180.36. Homeowners in Downey, CA with one claim have to pay an additional home insurance rate of $135, while homeowners with 2 claims have to pay an additional $195 on their home insurance premium.

Type of Claim Homeowners Insurance Cost Increase/Decrease($) Homeowners Insurance Cost($)
No Claim Discount -180 1,323
One Claim +135 1,638
Two Claim +195 1,698


Downey, CA Homeowners Insurance by Zip Code | Back to Top

Zip Code Median Home Value($) Home Insurance Cost($)
90240 460,900 1,524
90241 453,400 1,398
90242 388,800 1,398

Factors Affecting Home Insurance Premiums in Downey, CA

The average home insurance premium in Downey, CA is $1503. There are various factors in Downey, CA that affect home insurance premiums. vHome Insurance lists the factors that could help homeowners reduce their home insurance rates.

Downey, CA Home Insurance Premium Based on the Number of Bedrooms | Back to Top

Bedroom Size Average Homeowners Insurance Cost($)
2 Bedroom 579
3 Bedroom 1,086
4 Bedroom 1,666
5 Bedroom 3,259

Downey, CA Home Insurance Premiums for Different Deductibles | Back to Top

Downey, CA Homeowners who pay a deductible of $500 pay a higher amount for home insurance, while Downey, CA homeowners who pay a deductible as high as $2500 pay a lower amount on their home insurance rates, as seen in the table below.

Deductible Type Average Homeowners Insurance Cost($)
$500 Deductible 1,485
$1000 Deductible 1,343
$1500 Deductible 1,265
$2000 Deductible 1,148
$2500 Deductible 1,079

Downey, CA Homeowners Insurance Premium Based on the Age of the Home | Back to Top

Homeowners in Downey, CA pay a much lower home insurance rate if their homes are newly constructed. Homeowners with homes that are older than 50 years pay a much higher rate on their home insurance premium as seen in the table below.

Home Age Homeowners Insurance Cost($)
Newly Constructed Home 1,097
Year 30 Old 1,526
Year 40 Old 1,542
Year 50 Old 1,560
Above Year 50 1,575

Downey, CA Homeowners Insurance Cost Based on the Construction Type of the Home | Back to Top

Construction Type Home Insurance Cost Savings($) Home Insurance Cost($)
Fire Resistive 210 1,293
Masonry 75 1,428
Brick 75 1,428
Superior 135 1,368
Hail Resistant Roof 45 1,458

Top Saving Tips on Downey, CA Homeowners Insurance | Back to Top

Homes that are built using sturdy materials have less propensity to damage. Owing to this, Downey, CA homes built with sturdy materials earn discounts on homeowners insurance. Downey, CA homeowners who have clubbed their auto insurance policy with home insurance also receive discounts from home insurance companies. Apart from this, home insurers provide discounts to Downey, CA senior citizens. Downey, CA homes attract a considerable amount of discounts depending on the type of home safety devices installed in the household.

The tables below contain the complete list of discounts that Downey, CA homeowners can avail to increase their savings.

Downey, CA Auto & Homeowners Insurance Bundling Discounts and Senior Citizen Discounts

Discount Type Home Insurance Cost Savings($) Home Insurance Cost($)
Bundle Discount 286 1,217
Retiree Discount (Senior Citizen Discount) 210 1,713
Newly Constructed Home 406 1,097

Downey, CA Home Insurance Discounts for Home Safety Devices | Back to Top

Home Safety Devices Home Insurance Cost Savings($) Home Insurance Cost($)
Deadbolts 150 1,353
Fire Extinguishers 120 1,383
Smoke Detectors 165 1,338
Sprinkler System 120 1,383
Fire Alarm 90 1,413
Burglar Alarm 135 1,368
Lightning Protection 60 1,443

Latest Home Insurance Reviews

Farmer's Insurance
I would recommend this to others. They are friendly.pay out when you have a problem.
State Farm
I imagine that all insurance companies offer about the same services. We could probably find the same coverage easily if we wanted to.
Progressive
I have Geico auto insurance so when I needed home insurance I called them. They don't insure homes in Florida so they transferred me to Progressive Insurance.I'll keep my insurance with them.
State Farm
I believe the premium and deductible of my policy is just as good as other home insurance policies for the same coverage.
Travelers
deductible was right in line with other companies. They were just a tad more reasonable then other ones. I think deductible was $1000 before they paid for major damages
Progressive
My home insurance company's premium and deductible as compared to other insurance providers are okay with no major differences. I would give it a 3 as it offers what is needed at the average price.
Farmer's Insurance
I like that their adds are appealing, entertaining, and actually based on true incidents that the company has covered in the past.
State Farm
My insurance company, state farm, is more expensive than other insurance companies. they say it is because they offer in person one on one consultations, unlike other companies.
Century National
I am glad that i found this company. they were one of the only companies that would sell an earthquake policy for my house that is made of cinder blocks.
Nationwide
The last time I used it, I had trouble logging in because they were in the process of migrating customers to a new platform but didn't clearly indicate which one I should have used. So...I couldn't even get into the site.
Nationwide
The premium for my combined policies excellent in the coverage is better than I would have expected for a company offering the policies they did in my area.
State Farm
They offer great service and great rates and discounts. They communicate any changes to my policies as soon as possible and they always update me when a better discount or offer is available. Claims are processed in a timely manner and over all, they perform well
Liberty Mutual
Liberty mutual gave us the best rate for homeowners insurance, hands down. We got quoted for the same coverage at some places 2x what they quoted us for.
State Farm
The website is very easy to use. Clean and easy to understand. I don't use the mobile app for space reasons.
Mercury
Different deductibles should not vary in price so much based on whether they are a commonly used amount or not.
State Farm
Customer Service is reliable, professional and answers my questions accurately. I like that they are always treating you like a valued customer. Sometimes they might take a long time to process, which is not their fault, is the systems fault. Other than that, they are exceptional at their job.
Allstate
I am able to pay the least for rates and get the most in case anything happens.
Liberty Mutual
I am quite happy with the level of coverage offered by the company, and also the level of communication, which is businesslike and professional, not overly intrusive. I'm not bombarded by emails, I'm allowed to go about my daily life without frequent interruption.
Amica Mutual Insurance
Its hard to always know how an insurance company will act when a claim is filed, so if and when we file our first claim it will be interesting to learn how the experience goes.
Amica Mutual Insurance
No deductible for repair or replacement of an air bag after it deploys Total reimbursement for lost earnings if you go to court at Amica’s request
State Farm
I would defiantly recommend them to others, as they have all the plans you could need for home insurance while being very customer oriented. They always take care of their customers and are easy to deal with when it comes to a time of needing to file a claim.
State Farm
I would recommend my insurance company to a friend because they are honest, have good rates and have always been helpful.
Progressive
USAA offers a good policy offering because they cater to veterans and get us discounts since they get tax breaks for serving military. I have shopped around and could not find a better deal.
State Farm
I am happy with what i have. I could probably shop for a better deal but since its convenient and overall a good value i am okay with the premium and deductible..
State Farm
I really haven't thought about what I dislike about State Farm, but I do have to say that I feel at time there might be a better price out there among all the insurance companies, but I have a big worry that if I do go to another company I would be dropped if we had any claims early in the relationship.
Liberty Mutual
I do not like anything. The website could be a little more user-friendly and easier to navigate but it is possible with some patience and time. Never had any other complaints about them.
Farmer's Insurance
I have no specific complaints to make. I suppose they could offer a cheaper product or offer some sort of loyalty discount, but I would not necessarily expect that of them and that would be true of any company.