El Cajon Insurance Rates:

El Cajon, CA homeowners insurance is approximately $527 to $714, about $43-$59/month. Our comprehensive guide indicates shoppers can save as much as $248 by comparing many quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

State Farm
I liked having my auto insurance and home insurance with the same company so that it's less work for me when making calls about my coverage
State Farm
I like my insurance company because they are always very hospitable and provide me with beverages. whenever i have a question, they are easy to talk to.
Old Republic Home Protection
The truth i had a very negative experience with my home warranty through the old republic home protection. within a few months of purchasing my very first home, my downstairs toilet had a plumbing problem and flooded most of the first floor in my house after taking a shower. i immediately contacted the old republic to have them send somebody out to fix the issue. they sent out a plumber who apparently couldn't find the main cleanout to fix the clog in the plumbing. the plumber told me he fixed the issue by using a secondary clean out to unclog the pipes. the water backup issue seemed to be fixed until three days later when again, the water backed up after taking another shower and flooded the first floor yet again! i called the old republic once again, but they told me that because it was a holiday weekend, that i would need to wait until monday to have somebody come out to my house. it was friday late afternoon when this took place, so you could imagine my frustration. i ended up having to call a local plumber to come fix the issue the next day as i have a two-year-old child and having sewer water backing up into my house is downright dangerous. the plumber told me that he had to remove the downstairs toilet to fix the clog in the pipes. it only took him approximately 20 minutes to finish the job, but i had to pay around $350 out of pocket. when i called the old republic to ask to be reimbursed for the plumbing job, they not only denied my request, they told me that i owed them $60 for the deductible when they sent the original plumber out to my house!
State Farm
There hasn't been a lot of communication recently. In the past, it has good and bad as evidenced by my answer above. I talk to them really only when I have to.

El Cajon, CA Homeowners Insurance By Home Value

El Cajon, CA Home Value Total Homes % of Total Average El Cajon, CA Homeowners Insurance
Less than $50,000 1,190 13.0% $43
$50,000 to $59,999 119 1.0% $93
$70,000 to $79,999 114 1.0% $136
$90,000 to $99,999 123 1.0% $173
$100,000 to $124,999 301 3.0% $198
$125,000 to $149,999 295 3.0% $254
$150,000 to $174,999 320 3.0% $298
$175,000 to $199,999 112 1.0% $347
$200,000 to $249,999 1,163 13.0% $416
$250,000 to $299,999 1,631 18.0% $509
$300,000 to $399,999 3,216 36.0% $645

Top Home Insurance Agents Near El Cajon, CA

Home Insurance Company Near El Cajon, CA Homeowners Insurance Agency Near El Cajon, CA Address
NA Csg Insurance Services, Inc. 135 E Mission Ave #107, Escondido, CA, 92025
Travelers Boese Insurance Services 3650 CLAIREMONT DR STE 3, SAN DIEGO, CA, 92117
Travelers Dole & Sons Inc 5130 BONITA RD STE A, BONITA, CA, 91902
State Farm Emanuel Estrada 680 Old Telg Cyn Rd Ste 204, Chula Vista, CA, 91910-6552
Travelers Michael Ehrenfeld Co Ins Agents And Brokers 2655 CAMINO DEL RIO N STE 200, SAN DIEGO, CA, 92108

Cost Of Homeowners Insurance By Street Near El Cajon, CA

Streets in El Cajon Area Homeowners Insurance Cost
Powell Dr, Longview Way, Finch St, Flint St, Sarah Ct, Alegre Rd, Cora Mae Pl, Rockcrest Ln, Decker St, Atlas View Dr$643
Marble St, Brown Croft Way, Tucson St, Aurora Dr, Mesa View Rd, Airport Dr, Karen Way, Fanita Rancho Rd, Bushy Hill Dr, Bathurst Pl$602
Yerba Verde Dr, Bridanella Trl, Raymond St, Lawndale Rd, Lostinda St, Candlewood Ln, Cimbria Way, Burgasia Path, Colinas Corte, Lomita Rd$658
Meadow Rd, Falmouth Dr, Windridge Dr, Chatsbury St, Eagle Ln, Five Point Ln, Roberta Ave, Joplin Dr, Kyle Pl, Pepperwood Dr$618
Saddleview Ct, Cll Encanto, Diamond Ln, Wedgemere Rd, Pso Bello, Emerald Ave, Sky Rim Dr, Rocket Ridge Rd, Lucy Ln, N 1st St$615
Calle Lucia Ter, Young St, Hale Ct, Verdin St, Gull Pl, Melva Rd, N Westwind Dr, S Gina Ave, Blackthorne Ave, Camillo Way$624
Matterhorn Dr, Lamplite Ln, Richandave Ave, Doncarol Ave, Rockwood Rd, Burnaby St, Jackson Heights Dr, Piping Rock Ln, Wellington Hill Dr, Gray Dr$621
Forester Creek Rd, Farview Ct, Cll Rosado, Rockcrest Rd, Wagner Dr, Merritt Ln, Lisa Ter, Via Diego Ln, la Rochi Way, Heartland Ln$618
Via del Luz, Rosada Way, Topper Ln, Clare Ln, Sandos St, Sterling Hill Ln, Oakdale Ln, Sneezy Ct, Naranca Ave, Saddle Rock Rd$614
el Dorado Pkwy, Bermuda Ln, Dunsmuir St, Marline Ave, Ave Marco, Chase Ln, Chevy Ln, Brayton Way, Travelodge Dr, Melrose Ln$619

El Cajon, CA Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
El Cajon$92 to $95
Bostonia$92
Casa de Oro-Mount Helix$98
Granite Hills$97

El Cajon, 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
Bostonia CDP, California $77 $102 $153
Casa de Oro-Mount Helix CDP, California $82 $109 $164
Winter Gardens CDP, California $77 $102 $153

El Cajon, 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
El Cajon, CA2.4%12.0%
Bostonia2.6%9.82%
Casa de Oro-Mount Helix1.88%10.93%
Winter Gardens2.53%10.07%

El Cajon Renters Insurance as a Percentage of Rent

El Cajon Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 292 1.0% $788
$300 to $499 520 2.0% $1238
$500 to $749 1,141 5.0% $1913
$750 to $999 5,701 29.0% $2663
$1,000 to $1,499 8,356 43.0% $3788
$1,500 or more 2,984 15.0% $5438

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

Coverage ($) Deductible ($) Age of home Company Average homeowners insurance premium ($)
2500001000NewFirst American Ins405
250000500NewOregon Mutual483
300000500NewUniversal North America464
4000001000NewHomesite892
4000001000NewTokio Marine America795
5000001000NewChubb/Federal1708
5000002500NewStillwater Ins Co569
1500002501-3 YearsChubb/Federal816
1500005001-3 YearsQBE (Balboa)441
2000005001-3 YearsCalifornia Casualty426
2500005001-3 YearsHorace Mann615
75000025001-3 YearsStillwater Ins Co1101
2000005007-15 YearsBankers Standard1992
25000010007-15 YearsHartford (Sentinel)908
25000010007-15 YearsHorace Mann P & C805
25000010007-15 YearsPrivilege Underwriters Exch1167
2500005007-15 YearsEncompass857
40000010007-15 YearsAmerican Security959
40000010007-15 YearsPrivilege Underwriters Exch1866
40000010007-15 YearsQBE (Balboa)848
40000010007-15 YearsUniversal North America969
50000010007-15 YearsCentury National1154

El Cajon, CA Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$500$1,500
Yearly El Cajon Homeowner Insurance Premium Example $1,900$1,400
Out of Pocket Expense During Claim$500$1,500
Total Home Insurance Premium for 4 years + Out of Pocket Expense for Claim $8,100$7,100
Net Savings to El Cajon Home Owner from High Deductible Plan $1,000

El Cajon, CA Home Insurance Costs With Home Replacement Value Scenarios

Scenario El Cajon, CA Home Replacement Value MORE than Home Value El Cajon, CA Home Replacement Value LESS than Home Value
Replacement Value $360,500 $222,500
Insurance Premium based on Replacement Value $975 $600
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $59,000 Risk Exposure from Under Insuring Coverage is $79,000
Premium Impact Insurance cheaper by $225/year Insurance costlier by $150/year

Example El Cajon Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company AllstateAmica Mutual Insurance CompanyLiberty Mutual
Monthly Premium 4124119
Year Built 198019941975
Home Details 2 Beds, 1 Baths3 Beds, 1 Baths4 Beds, 2 Baths
Coverage Amount $175000-$200000$200000-$250000$500000-$600000
Deductible $500- $1000 Deductible> $10,000 Deductible$500- $1000 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1979 170,000 Membrane Roof 970 2 $500 Deductible 100 3 Brick siding No
1970 405,000 Membrane Roof 2,000 5 > $10,000 Deductible 250 5 Brick siding yes
1970 530,000 Membrane Roof 3,360 4 $500 Deductible 490 3 Stucco siding yes
1961 185,000 Slate Shingles Roof 1,260 3 $500- $1000 Deductible 140 3 Fiber-Cement Siding No
1998 435,000 Asphalt Shingles Roof 2,210 4 $500 Deductible 680 6 Stone Siding yes
1993 570,000 Composition Roof 3,370 5 $5000 to $10,000 Deductible 610 8 Fiber-Cement Siding No
1972 460,000 Tile Roof 3,380 4 $500- $1000 Deductible 300 3 Brick siding yes
1965 180,000 Shingles Roof 1,330 2 $500- $1000 Deductible 50 1 Stone Siding yes
1979 535,000 Asphalt Shingles Roof 2,690 5 $2500-$5000 Deductible 900 8 Wood siding No
1980 150,000 Composition Roof 940 2 $1000-$2500 Deductible 110 3 Wood siding No
1971 310,000 Composition Roof 1,590 2 $500 Deductible 720 9 Stucco siding yes
1961 185,000 Shingles Roof 1,120 2 $500 Deductible 180 5 Stucco siding No
1996 180,000 Metal Roof 1,180 2 $500 Deductible 430 9 Stucco siding yes
1962 210,000 Slate Shingles Roof 1,300 2 $500 Deductible 270 7 Stone Siding yes
1982 335,000 Wood Shake Roof 2,060 3 $500 Deductible 580 8 Vinyl siding No
1969 355,000 Shingles Roof 1,462 3 $500 Deductible 1120 12 Stone Siding No