Downey Insurance Rates:

Downey, CA homeowners insurance is nearly $539 to $733, about $44-$61/month. Our thorough guide shows customers can save as much as $254 by getting different quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

Farmer's Insurance
I would recommend this to others. They are 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.
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.
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.
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.
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.
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.
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.

Downey, CA Homeowners Insurance By Home Value

Downey, CA Home Value Total Homes % of Total Average Downey, CA Homeowners Insurance
Less than $50,000 421 5.0% $31
$60,000 to $69,999 123 1.0% $95
$100,000 to $124,999 133 1.0% $159
$150,000 to $174,999 229 3.0% $235
$175,000 to $199,999 194 2.0% $273
$200,000 to $249,999 539 7.0% $330
$250,000 to $299,999 1,010 14.0% $407
$300,000 to $399,999 4,390 61.0% $515

Top Home Insurance Agents Near Downey, CA

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

Downey, CA Home Insurance Agents for Top Companies

Cost Of Homeowners Insurance By Street Near Downey, CA

Streets in Downey Area Homeowners Insurance Cost
Regent View St, Alderdale St, Via Amorita, Garetal St, Margaret St, Ardis Ave, Neo St, Blandwood Rd, Stoakes Ave, Wiley Burke Ave$652
Brookgreen Rd, Casanes Ave, Cedardale Dr, Hercules St, Priscilla St, Bellder Dr, Horton Ave, Hidalgo St, Arnett St, Cedartree Rd$630
Buckles St, Pruess Ave, Rio Flora Pl, Davis St, Davenrich St, James St, Clarkman St, Mattock Ave, Phlox St, Foster Bridge Blvd$617
Premier Ave, S Longworth Ave, Elston Ave, Bellder Dr, Arnett St, Dalen St, Neo St, Leahy Ave, Washburn Rd, Pantheon St$633
Ryerson Ave, Iowa St, Noren St, Brookgreen Rd, Farm St, Melva St, Blandwood Rd, Songfest Dr, Flores St, Pellet St$642
Ciro St, Ardine St, Klinedale Ave, Little Lake Rd, Appleby St, Solo St, Idalene St, Benares St, Vista del Rio Dr, Gaybrook Ave$649
Ohm Ave, Hawthorne Ave, Quoit St, la Villa St, Barlin Ave, Byers St, Brookpark Rd, Airpoint Ave, Parkmead St, Lesterford Ave$626
Charloma Dr, Gunderson Ave, Marbel Ave, Cheyenne St, Klondike Ave, Laureldale Ave, Pivot St, Blodgett Ave, Washburn Rd, Downey Norwalk Rd$613
Birdvale Dr, Boyson St, Bigby St, Elm Vista Dr, Smallwood Ave, Fontana St, 4th Pl, Koopman Ave, McCallum St, Planett Ave$635
Chaney Ave, Glenworth St, Dalen St, E Promenade Dr, Blandwood Rd, Shellyfield Rd, Tweedy Ln, Susan Ave, Quill Dr, Sideview Dr$627

Downey, CA Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Downey$95 to $97
Bell Gardens$91

Downey, 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
Bell Gardens city, California $77 $102 $153
Downey-Norwalk CCD, Los Angeles County, California $79 $105 $157
Paramount city, California $76 $101 $152

Downey, 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
Downey, CA2.3%12.9%
Bell Gardens3.14%15.25%

Downey Renters Insurance as a Percentage of Rent

Downey Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$500 to $749 630 3.0% $1905
$750 to $999 3,187 20.0% $2655
$1,000 to $1,499 8,295 52.0% $3780
$1,500 or more 3,677 23.0% $5430

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

Coverage ($) Deductible ($) Age of home Company Average homeowners insurance premium ($)
150000250NewHartford (Sentinel)381
200000500NewAAA (Interinsurance Exchange)217
200000500NewUniversal North America321
300000500NewHorace Mann560
300000500NewUniversal North America441
4000001000NewBankers Standard1611
4000001000NewPacific Specialty842
5000002500NewTokio Marine America736
1500005001-3 YearsUSAA321
2000005001-3 YearsMetropolitan Direct745
2000005001-3 YearsWawanesa496
2500005001-3 YearsBankers Standard1740
2500005001-3 YearsMAPFRE Group622
40000010001-3 YearsMetropolitan Direct1244
40000010001-3 YearsPacific Specialty973
50000025001-3 YearsFirst American Ins891
75000025001-3 YearsMetropolitan Direct2021
2500005004-6 YearsPrivilege Underwriters Exch1803
40000010004-6 YearsIntegon/National960

Downey, CA Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Yearly Downey Homeowner Insurance Premium Example $900$700
Out of Pocket Expense During Claim$600$1,600
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $7,800$7,200
Net Savings to Downey Home Owner from High Deductible Plan $600

Downey, CA Home Insurance Costs With Home Replacement Value Scenarios

Scenario Downey, CA Home Replacement Value MORE than Home Value Downey, CA Home Replacement Value LESS than Home Value
Replacement Value $460,000 $279,000
Insurance Premium based on Replacement Value $1,575 $950
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $98,000 Risk Exposure from Under Insuring Coverage is $83,000
Premium Impact Insurance cheaper by $300/year Insurance costlier by $325/year

Example Downey Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company AllstateAmica Mutual Insurance CompanyChubb Group of Insurance
Monthly Premium 3712986
Year Built 196319551978
Home Details 2 Beds, 1 Baths5 Beds, 2 Baths4 Beds, 1 Baths
Coverage Amount $200000-$250000$600000-$700000$350000-$400000
Deductible $2500-$5000 Deductible$2500-$5000 Deductible$1000-$2500 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1967 990,000 Membrane Roof 4,850 5 $2500-$5000 Deductible 1090 6 Stone Siding No
1962 905,000 Tile Roof 4,690 5 $500 Deductible 1230 5 Stucco siding yes
1967 310,000 Tile Roof 1,590 5 $2500-$5000 Deductible 250 5 Brick siding yes
1989 285,000 Metal Roof 1,360 2 $500- $1000 Deductible 860 12 Stucco siding No
1959 325,000 Composition Roof 1,370 2 $500- $1000 Deductible 740 8 Wood siding yes
1972 765,000 Shingles Roof 3,040 4 $1000-$2500 Deductible 780 5 Wood siding No
1974 405,000 Wood Shake Roof 1,910 4 $1000-$2500 Deductible 920 10 Fiber-Cement Siding No
1977 585,000 Composition Roof 2,850 4 $2500-$5000 Deductible 180 2 Stone Siding No
1967 1,155,000 Slate Shingles Roof 4,580 5 $1000-$2500 Deductible 1480 6 Fiber-Cement Siding yes
1986 445,000 Slate Shingles Roof 2,160 4 $1000-$2500 Deductible 360 5 Stucco siding No
1983 385,000 Metal Roof 1,740 4 $5000 to $10,000 Deductible 450 10 Stone Siding No
1966 455,000 Asphalt Shingles Roof 2,060 4 $500- $1000 Deductible 970 8 Stone Siding yes
1985 345,000 Membrane Roof 1,580 3 $500 Deductible 780 10 Vinyl siding yes
1953 310,000 Metal Roof 1,730 5 $1000-$2500 Deductible 890 10 Vinyl siding No
1960 780,000 Asphalt Shingles Roof 3,780 5 $500 Deductible 180 1 Vinyl siding No
1989 205,000 Shingles Roof 1,090 2 $2500-$5000 Deductible 520 12 Stone Siding yes
1952 370,000 Metal Roof 1,870 5 $500- $1000 Deductible 370 5 Brick siding No
1989 395,000 Shingles Roof 1,780 2 $2500-$5000 Deductible 730 9 Brick siding No
1988 570,000 Slate Shingles Roof 3,330 5 $5000 to $10,000 Deductible 440 5 Brick siding No
1956 700,000 Asphalt Shingles Roof 3,770 5 $2500-$5000 Deductible 750 5 Wood siding yes
1974 1,125,000 Asphalt Shingles Roof 4,960 5 $2500-$5000 Deductible 640 3 Stone Siding yes
1959 305,000 Tile Roof 1,380 2 $5000 to $10,000 Deductible 320 7 Vinyl siding No
1982 320,000 Metal Roof 1,700 2 $1000-$2500 Deductible 960 12 Fiber-Cement Siding No
1983 270,000 Composition Roof 1,340 3 $2500-$5000 Deductible 150 4 Fiber-Cement Siding yes
1970 745,000 Shingles Roof 3,550 5 > $10,000 Deductible 560 5 Fiber-Cement Siding No
1978 420,000 Asphalt Shingles Roof 1,760 3 $500- $1000 Deductible 730 6 Wood siding No
1980 245,000 Tile Roof 1,020 2 $500 Deductible 70 1 Vinyl siding No
1953 505,000 Shingles Roof 2,170 3 $2500-$5000 Deductible 290 3 Vinyl siding yes
1974 440,000 Asphalt Shingles Roof 1,990 3 $500- $1000 Deductible 1480 12 Fiber-Cement Siding No
1979 355,000 Membrane Roof 1,680 4 $1000-$2500 Deductible 80 1 Wood siding No
1966 285,000 Metal Roof 979 2 $500- $1000 Deductible 1150 10 Stone Siding yes

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