El Monte ,CA Home Insurance - The cost of homeowners insurance is influenced by a range of factors, including the value of your coverage, deductible, and the construction materials used in your home.
VHome Insurance conducted a thorough analysis of the El Monte, CA homeowners insurance market, taking into account factors like average costs, range of coverages, deductibles and customer satisfaction ratings to determine the best providers. The Average home insurance cost in El Monte, CA is $1355. Enter your zipcode below and click “GO” to get multiple free quotes.
It is important to understand the different coverage options available in El Monte, CA. VHome Insurance will help you navigate the world of homeowners insurance coverages in El Monte, CA.
| Coverage Level | Average Annual Premium |
|---|---|
| $100,000 | $542 |
| $200,000 | $921 |
| $300,000 | $1,138 |
| $400,000 | $1,734 |
| $500,000 | $2,182 |
One key aspect of your policy is the deductible, which is the amount you pay out of pocket before your insurance kicks in. Choosing the right deductible can have a major impact on your insurance premiums and overall savings. In this guide, we'll help you understand the options available for homeowners insurance deductibles in El Monte, CA, and how to choose the right one for your needs.
| Deductible Level | Average Annual Premium |
|---|---|
| $500 Deductible | $1,389 |
| $1000 Deductible | $1,243 |
| $1500 Deductible | $1,172 |
| $2500 Deductible | $1,057 |
| $5000 Deductible | $894 |
| Home Insurance Company Near El Monte, CA | Homeowners Insurance Agency Near El Monte, CA | Address |
|---|---|---|
| State Farm | David Morales | 711 Mission St Ste A, S Pasadena, CA, 91030-3377 |
| State Farm | Mike Brewer | 1401 Westwood Blvd Ste 280, Los Angeles, CA, 90024-4963 |
| State Farm | Perry Mossembekker | 1598 W Katella Ave, Anaheim, CA, 92802-2717 |
| State Farm | Al Lopez | 208 S Glendale Ave, Glendale, CA, 91205-1714 |
| Liberty Mutual Independent | Auto Insurance Specialists Llc | 17785 CENTER COURT DR N STE 250, CERRITOS, CA, 90703 |
| Place | 1 Car Bundle Savings On Insurance | 2 Car Bundle Savings On Insurance | 3 Car Bundle Savings On Insurance |
|---|---|---|---|
| North El Monte CDP, California | $96 | $128 | $192 |
| South El Monte city, California | $93 | $124 | $186 |
| Temple City city, California | $98 | $131 | $197 |
| Place | Home insurance as a % of housing cost for homes with mortgage | Home insurance as a % of housing cost for homes without mortgage |
|---|---|---|
| El Monte, CA | 2.8% | 13.3% |
| North El Monte | 2.26% | 18.58% |
| South El Monte | 2.87% | 17.28% |
| Temple City | 2.3% | 11.35% |
| El Monte Home By Monthly Rent | Total Homes | % of Total | Estimated Monthly Income To Afford Rented House Including Renters Insurance |
|---|---|---|---|
| $200 to $299 | 186 | 1.0% | $787 |
| $300 to $499 | 447 | 2.0% | $1237 |
| $500 to $749 | 1,676 | 10.0% | $1912 |
| $750 to $999 | 4,620 | 28.0% | $2662 |
| $1,000 to $1,499 | 6,832 | 42.0% | $3787 |
| $1,500 or more | 2,434 | 14.0% | $5437 |
| Streets in El Monte Area | Homeowners Insurance Cost |
|---|---|
| Basye St, Prestwick St, Adelia Ave, Silverbay Ave, Lexham Ave, Key West St, Richwood Ave, Maxson Pl, Sitka St, Conference St | $622 |
| Fratus Dr, Felipe St, Fineview St, Ellis Ln, Aerojet Ave, Harnett Ave, Coffield Ave, Encanto Way, Federal Dr, Fineview St | $654 |
| Bunker Ave, Landseer St, Cortada St, Freer St, Weaver Ave, San Rio St, Allgeyer Ave, Apollo Ave, Civic St, Monte Vis | $643 |
| The Wye St, Hammill Rd, Concert St, Esto Ave, Lee Ln, Hoyt Park Pl, Halifax Rd, Kale St, Burkett Rd, Bodger St | $621 |
| Luder Ave, Marybeth Ave, Baseball Ave, Cedar Cir, Brockway St, Silverbay Ave, Edwards Ave, Exline St, Zadell Dr, Abilene St | $641 |
| Place | Savings For Senior Occupied Homes |
|---|---|
| El Monte | $93 to $95 |
| North El Monte | $96 |
| South El Monte | $93 |
| Temple City | $98 |
| Coverage ($) | Deductible ($) | Age of home | Company | Average homeowners insurance premium ($) |
|---|---|---|---|---|
| 150000 | 250 | New | Horace Mann P & C | 329 |
| 200000 | 500 | New | Encompass | 588 |
| 250000 | 1000 | New | MAPFRE Group | 417 |
| 250000 | 500 | New | Amco | 465 |
| 300000 | 500 | New | Travelers | 519 |
| 400000 | 1000 | New | Privilege Underwriters Exch | 1456 |
| 500000 | 1000 | New | American Modern | 1571 |
| 500000 | 1000 | New | Unigard Group | 989 |
| 750000 | 2500 | New | Foremost Insurance | 2881 |
| 150000 | 500 | 1-3 Years | MAPFRE Group | 370 |
| 200000 | 500 | 1-3 Years | Bankers Standard | 1656 |
| 250000 | 1000 | 1-3 Years | Pacific Specialty | 575 |
| 300000 | 500 | 1-3 Years | California Casualty | 660 |
| 300000 | 500 | 1-3 Years | Foremost Insurance | 1053 |
| 300000 | 500 | 1-3 Years | Nationwide | 703 |
| 400000 | 1000 | 1-3 Years | Amica Mutual | 936 |
| 500000 | 1000 | 1-3 Years | MAPFRE Group | 1009 |
| 150000 | 500 | 4-6 Years | Pacific Specialty | 434 |
| 500000 | 1000 | 4-6 Years | CSE Safeguard | 998 |
| 750000 | 2500 | 4-6 Years | Stillwater Prop & Cas Co | 1169 |
| 150000 | 250 | 7-15 Years | Safeco | 534 |
| 250000 | 1000 | 7-15 Years | Oregon Mutual | 679 |
| 400000 | 1000 | 7-15 Years | Pacific Specialty | 1042 |
| Low Deductible | High Deductible | |
|---|---|---|
| Deductible | $900 | $1,900 |
| Yearly El Monte Homeowner Insurance Premium Example | $1,000 | $800 |
| Out of Pocket Expense During Claim | $900 | $1,900 |
| Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim | $8,900 | $8,300 |
| Net Savings to El Monte Home Owner from High Deductible Plan | $600 | |
| Scenario | El Monte, CA Home Replacement Value MORE than Home Value | El Monte, CA Home Replacement Value LESS than Home Value |
|---|---|---|
| Replacement Value | $568,500 | $441,500 |
| Insurance Premium based on Replacement Value | $2,050 | $1,600 |
| Risk Exposure from Under Insuring Coverage | Unnecessary Home Insurance Coverage of $66,000 | Risk Exposure from Under Insuring Coverage is $61,000 |
| Premium Impact | Insurance cheaper by $225/year | Insurance costlier by $225/year |
| Insurance Company | Amica Mutual Insurance Company | Travelers | Allstate |
| Monthly Premium | 49 | 93 | 111 |
| Year Built | 1960 | 1981 | 1955 |
| Home Details | 4 Beds, 1 Baths | 3 Beds, 1 Baths | 5 Beds, 2 Baths |
| Coverage Amount | $250000-$300000 | $350000-$400000 | $600000-$700000 |
| Deductible | $5000 to $10,000 Deductible | $500- $1000 Deductible | $2500-$5000 Deductible |