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.
| Home Insurance Company Near El Cajon, CA | Homeowners Insurance Agency Near El Cajon, CA | Address |
|---|---|---|
| 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 |
| 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 |
| 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 |
| Place | Home insurance as a % of housing cost for homes with mortgage | Home insurance as a % of housing cost for homes without mortgage |
|---|---|---|
| El Cajon, CA | 2.4% | 12.0% |
| Bostonia | 2.6% | 9.82% |
| Casa de Oro-Mount Helix | 1.88% | 10.93% |
| Winter Gardens | 2.53% | 10.07% |
| 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 |
| 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 |
| Place | Savings For Senior Occupied Homes |
|---|---|
| El Cajon | $92 to $95 |
| Bostonia | $92 |
| Casa de Oro-Mount Helix | $98 |
| Granite Hills | $97 |
| Coverage ($) | Deductible ($) | Age of home | Company | Average homeowners insurance premium ($) |
|---|---|---|---|---|
| 250000 | 1000 | New | First American Ins | 405 |
| 250000 | 500 | New | Oregon Mutual | 483 |
| 300000 | 500 | New | Universal North America | 464 |
| 400000 | 1000 | New | Homesite | 892 |
| 400000 | 1000 | New | Tokio Marine America | 795 |
| 500000 | 1000 | New | Chubb/Federal | 1708 |
| 500000 | 2500 | New | Stillwater Ins Co | 569 |
| 150000 | 250 | 1-3 Years | Chubb/Federal | 816 |
| 150000 | 500 | 1-3 Years | QBE (Balboa) | 441 |
| 200000 | 500 | 1-3 Years | California Casualty | 426 |
| 250000 | 500 | 1-3 Years | Horace Mann | 615 |
| 750000 | 2500 | 1-3 Years | Stillwater Ins Co | 1101 |
| 200000 | 500 | 7-15 Years | Bankers Standard | 1992 |
| 250000 | 1000 | 7-15 Years | Hartford (Sentinel) | 908 |
| 250000 | 1000 | 7-15 Years | Horace Mann P & C | 805 |
| 250000 | 1000 | 7-15 Years | Privilege Underwriters Exch | 1167 |
| 250000 | 500 | 7-15 Years | Encompass | 857 |
| 400000 | 1000 | 7-15 Years | American Security | 959 |
| 400000 | 1000 | 7-15 Years | Privilege Underwriters Exch | 1866 |
| 400000 | 1000 | 7-15 Years | QBE (Balboa) | 848 |
| 400000 | 1000 | 7-15 Years | Universal North America | 969 |
| 500000 | 1000 | 7-15 Years | Century National | 1154 |
| Low Deductible | High 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 | |
| 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 |
| Insurance Company | State Farm | Chubb Group of Insurance | Farmers Insurance |
| Monthly Premium | 105 | 108 | 82 |
| Year Built | 1969 | 1997 | 1981 |
| Home Details | 5 Beds, 1 Baths | 4 Beds, 2 Baths | 2 Beds, 1 Baths |
| Coverage Amount | $500000-$600000 | $400000-$500000 | $250000-$300000 |
| Deductible | $5000 to $10,000 Deductible | $500 Deductible | $500 Deductible |