Escondido ,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 Escondido, 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 Escondido, CA is $1353. Enter your zipcode below and click “GO” to get multiple free quotes.
It is important to understand the different coverage options available in Escondido, CA. VHome Insurance will help you navigate the world of homeowners insurance coverages in Escondido, CA.
| Coverage Level | Average Annual Premium |
|---|---|
| $100,000 | $541 |
| $200,000 | $920 |
| $300,000 | $1,137 |
| $400,000 | $1,732 |
| $500,000 | $2,178 |
Home insurance costs in Escondido can vary greatly based on location. The frequency of claims in your area can affect the cost of your policy. Simply put, the location of your home can significantly impact your homeowners insurance premium.
| Zipcode | Average Insurance Premium |
|---|---|
| 092029 | $1,326 |
| 92025 | $1,296 |
| 92026 | $1,292 |
| 92027 | $1,282 |
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 Escondido, CA, and how to choose the right one for your needs.
| Deductible Level | Average Annual Premium |
|---|---|
| $500 Deductible | $1,387 |
| $1000 Deductible | $1,241 |
| $1500 Deductible | $1,170 |
| $2500 Deductible | $1,055 |
| $5000 Deductible | $893 |
| Home Insurance Company Near Escondido, CA | Homeowners Insurance Agency Near Escondido, CA | Address |
|---|---|---|
| NA | Fusco & Orsini Insurance Services, Inc. | 5095 Murphy Canyon Road, Suite 200 San Diego, San Diego, CA, 92123 |
| Farmers | James Mitchell | 1963 E Florida Ave, Hemet, CA, 92544 |
| Allstate | Lisa Frontis Bentley | 7510 Clrmt Msa Blvd Ste 106, San Diego, CA, 92111 |
| Travelers | Marsh & Mclennan Agency Llc | 9171 TOWNE CENTRE DR STE 500, SAN DIEGO, CA, 92122 |
| Allstate | Richard Herron | 30101 Town Center Dr Ste 105, Laguna Niguel, CA, 92677 |
| Place | 1 Car Bundle Savings On Insurance | 2 Car Bundle Savings On Insurance | 3 Car Bundle Savings On Insurance |
|---|---|---|---|
| San Marcos city, California | $94 | $125 | $188 |
| Oceanside-Escondido CCD, San Diego County, California | $95 | $126 | $189 |
| Hidden Meadows CDP, 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 |
|---|---|---|
| Escondido, CA | 2.4% | 11.4% |
| San Marcos | 2.03% | 12.24% |
| Oceanside-Escondido | 2.16% | 10.52% |
| Hidden Meadows | 1.96% | 8.2% |
| Escondido Home By Monthly Rent | Total Homes | % of Total | Estimated Monthly Income To Afford Rented House Including Renters Insurance |
|---|---|---|---|
| $200 to $299 | 315 | 1.0% | $788 |
| $300 to $499 | 596 | 2.0% | $1238 |
| $500 to $749 | 870 | 4.0% | $1913 |
| $750 to $999 | 4,226 | 20.0% | $2663 |
| $1,000 to $1,499 | 10,461 | 49.0% | $3788 |
| $1,500 or more | 4,563 | 21.0% | $5438 |
| Streets in Escondido Area | Homeowners Insurance Cost |
|---|---|
| Hidden Meadows Rd, Jacks Creek Pl, Burned Oak Ter, Graham Pl, Darling Dr, Summit Ln, San Roque Dr, Windyridge Glen, Kiwi Meadow Ln, W 13th Ave | $656 |
| 3rd Pl, Grand Ct, Singingwood Pl, W 2nd Ave, Saint Sava Pl, Normandy Glen, Rhea Glen, Miller Ave, Alps Ter, Hidden Oaks Ln | $636 |
| Seven Oakes Rd, W 2nd Ave, Pickett Glen, Largo Ln, Linsay Pl, Moody Dr, E 14th Ave, E 4th Ave, Foxfire Ct, Tierra de Dios | $623 |
| Ave Amorosa, Wyndemere Ct, Las Villas Way, Cherry Pl, Owl Glen, Felicita Ln, Cll Ladera, Norway Ct, Cerveza Dr, Chandler Ct | $640 |
| Sprucewood Ln, N Escondido Blvd, Cloverdale Rd, Aspen Glen, Seco Glen, Brookhollow Glen, Oakwood Creek Pl, Erica St, Cmt A Casa, Charise St | $639 |
| Anka Ln, Lake Dr, Angeles Glen, Craigmore Ave, el Cielo Ln, Morning View Dr, Alexander Dr, Douglaston Gln, Gabler Dr, Morning Mist Glen | $627 |
| Johnston Glen, Bracero Pl, Excitation Glen, Venice Glen, Don Lee Pl, Ginger Way, Camellia St, High Mountain Dr, Pamoosa Ln, Century Way | $622 |
| Tanglewood Ln, Cam Hermosa, Conifer Glen, Borra Pl, Ontario St, Cedar Way, Double K Rd, Industrial St, Aliso Pl, la Mirada Way | $622 |
| Crestwind Dr, Pear Blossom Pl, E 17th Ave, Stone Valley Pl, Queenston Dr, Prairiestone Way, Trijullo Trl, Via Ramon, High Vista Dr, S Elm St | $641 |
| Colley Ln, Superior St, Cerveza Baja Dr, Bancroft Glen, Center Stage Glen, Idaho Ter, Aero Way, Viletta Dr, Woodglen Pl, Wynwood Ct | $612 |
| Place | Savings For Senior Occupied Homes |
|---|---|
| Escondido | $92 to $95 |
| San Marcos | $94 |
| Hidden Meadows | $98 |
| Lake San Marcos | $95 |
| Coverage ($) | Deductible ($) | Age of home | Company | Average homeowners insurance premium ($) |
|---|---|---|---|---|
| 150000 | 500 | New | Universal North America | 300 |
| 200000 | 500 | New | Century National | 462 |
| 250000 | 1000 | New | AIG Prop Cas | 667 |
| 250000 | 1000 | New | First American Ins | 388 |
| 250000 | 500 | New | Hartford (Sentinel) | 685 |
| 400000 | 1000 | New | Chubb/Federal | 1285 |
| 400000 | 1000 | New | Pacific Specialty | 903 |
| 750000 | 2500 | New | QBE (Balboa) | 908 |
| 150000 | 500 | 1-3 Years | Horace Mann P & C | 328 |
| 200000 | 500 | 1-3 Years | CSE Safeguard | 513 |
| 300000 | 500 | 1-3 Years | QBE (Balboa) | 691 |
| 500000 | 1000 | 1-3 Years | Kemper | 896 |
| 500000 | 2500 | 1-3 Years | Foremost Insurance | 1835 |
| 500000 | 2500 | 1-3 Years | Privilege Underwriters Exch | 1400 |
| 150000 | 250 | 4-6 Years | First American Ins | 394 |
| 500000 | 1000 | 4-6 Years | Kemper | 999 |
| 750000 | 2500 | 4-6 Years | Amco | 1682 |
| 750000 | 2500 | 4-6 Years | Travelers | 1221 |
| 200000 | 500 | 7-15 Years | Oregon Mutual | 601 |
| 400000 | 1000 | 7-15 Years | AIG Prop Cas | 1252 |
| 400000 | 1000 | 7-15 Years | American Reliable | 1073 |
| 400000 | 1000 | 7-15 Years | MAPFRE Group | 1143 |
| 500000 | 2500 | 7-15 Years | Unigard Group | 863 |
| Low Deductible | High Deductible | |
|---|---|---|
| Deductible | $1,000 | $2,000 |
| Yearly Escondido Homeowner Insurance Premium Example | $900 | $700 |
| Out of Pocket Expense During Claim | $1,000 | $2,000 |
| Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim | $8,200 | $7,600 |
| Net Savings to Escondido Home Owner from High Deductible Plan | $600 | |
| Scenario | Escondido, CA Home Replacement Value MORE than Home Value | Escondido, CA Home Replacement Value LESS than Home Value |
|---|---|---|
| Replacement Value | $437,500 | $273,000 |
| Insurance Premium based on Replacement Value | $1,050 | $650 |
| Risk Exposure from Under Insuring Coverage | Unnecessary Home Insurance Coverage of $101,000 | Risk Exposure from Under Insuring Coverage is $63,500 |
| Premium Impact | Insurance cheaper by $150/year | Insurance costlier by $250/year |
| Insurance Company | Nationwide Insurance | Chubb Group of Insurance | Amica Mutual Insurance Company |
| Monthly Premium | 87 | 40 | 99 |
| Year Built | 1988 | 1973 | 2009 |
| Home Details | 3 Beds, 2 Baths | 2 Beds, 1 Baths | 4 Beds, 2 Baths |
| Coverage Amount | $350000-$400000 | $150000-$175000 | $350000-$400000 |
| Deductible | $500 Deductible | $500 Deductible | $500- $1000 Deductible |