Compare Quotes from Top Providers and Save now!

El Cajon, CA Home Values & Insurance Rates

El Cajon, CA Home Value Total Homes % of Total Average 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

Estimated Home Insurance By Street Area Near El Cajon, CA

El Cajon Area Estimated House Insurance
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

Savings on home insurance for senior occupied homes

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

El Cajon, CA 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

El Cajon, CA Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,000$2,000
Yearly El Cajon Homeowner Insurance Premium Example $1,100$900
Out of Pocket Expense During Claim$1,000$2,000
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $9,800$9,200
Net Savings to El Cajon Home Owner from High Deductible Plan $600

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 $621,000 $423,500
Insurance Premium based on Replacement Value $1,875 $1,275
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $58,000 Risk Exposure from Under Insuring Coverage is $139,500
Premium Impact Insurance cheaper by $425/year Insurance costlier by $175/year

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

Insurance Company State FarmChubb Group of InsuranceFarmers Insurance
Monthly Premium 10510882
Year Built 196919971981
Home Details 5 Beds, 1 Baths4 Beds, 2 Baths2 Beds, 1 Baths
Coverage Amount $500000-$600000$400000-$500000$250000-$300000
Deductible $5000 to $10,000 Deductible$500 Deductible$500 Deductible

El Cajon, CA Auto & Home Insurance Bundling Discounts

Place 1 Car Bundle Savings 2 Car Bundle Savings 3 Car Bundle Savings
Bostonia CDP, California $77 $102 $153
Casa de Oro-Mount Helix CDP, California $82 $109 $164
Winter Gardens CDP, California $77 $102 $153

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
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