Fullerton ,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 Fullerton, 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 Fullerton, CA is $1398. Enter your zipcode below and click “GO” to get multiple free quotes.
It is important to understand the different coverage options available in Fullerton, CA. VHome Insurance will help you navigate the world of homeowners insurance coverages in Fullerton, CA.
| Coverage Level | Average Annual Premium |
|---|---|
| $100,000 | $559 |
| $200,000 | $951 |
| $300,000 | $1,174 |
| $400,000 | $1,789 |
| $500,000 | $2,251 |
Home insurance costs in Fullerton 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 |
|---|---|
| 092835 | $1,358 |
| 92831 | $1,323 |
| 92833 | $1,325 |
| 92832 | $1,309 |
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 Fullerton, CA, and how to choose the right one for your needs.
| Deductible Level | Average Annual Premium |
|---|---|
| $500 Deductible | $1,433 |
| $1000 Deductible | $1,282 |
| $1500 Deductible | $1,209 |
| $2500 Deductible | $1,090 |
| $5000 Deductible | $923 |
| Home Insurance Company Near Fullerton, CA | Homeowners Insurance Agency Near Fullerton, CA | Address |
|---|---|---|
| State Farm | Jorge Alonzo | 2675 Zoe Ave, Huntington Pk, CA, 90255-4144 |
| Travelers | Louis Barnett & Associates | 2601 AIRPORT DR STE 100, TORRANCE, CA, 90505 |
| State Farm | Steve Hs | 818 N Hacienda Blvd Ste D, La Puente, CA, 91744-2806 |
| NA | The Rule Company Inc. | 3620 Birch Street, 1St Floor Newport Beach, Newport Beach, CA, 90266 |
| State Farm | Bill Solberg | 401 Brookside Avenue, Redlands, CA, 92373-4609 |
| Place | 1 Car Bundle Savings On Insurance | 2 Car Bundle Savings On Insurance | 3 Car Bundle Savings On Insurance |
|---|---|---|---|
| La Habra city, California | $95 | $126 | $189 |
| Placentia city, California | $98 | $130 | $195 |
| East Whittier CDP, California | $95 | $126 | $189 |
| Place | Home insurance as a % of housing cost for homes with mortgage | Home insurance as a % of housing cost for homes without mortgage |
|---|---|---|
| Fullerton, CA | 2.0% | 11.8% |
| La Habra | 2.29% | 12.71% |
| Placentia | 2.08% | 10.64% |
| East Whittier | 2.25% | 15.27% |
| Fullerton Home By Monthly Rent | Total Homes | % of Total | Estimated Monthly Income To Afford Rented House Including Renters Insurance |
|---|---|---|---|
| $300 to $499 | 285 | 1.0% | $1225 |
| $500 to $749 | 628 | 3.0% | $1900 |
| $750 to $999 | 2,228 | 11.0% | $2650 |
| $1,000 to $1,499 | 9,794 | 48.0% | $3775 |
| $1,500 or more | 6,955 | 34.0% | $5425 |
| Streets in Fullerton Area | Homeowners Insurance Cost |
|---|---|
| Ridgetop Ln, Moonstone, Viking Ave, N Bradford Ave, Jade Cir, E Evergreen Ave, Victoria Dr, W Moro Pl, Riedel Ave, E Pebble Beach Pl | $628 |
| Greenleaf Ave, W Palm Dr, W Poppy Hills Ct, Holly Way, E 3rd Ave, Arnold Way, Clairmont Ave, Fairview Cir, W Player Ave, Park Vista Ct | $629 |
| Innisfree Ct, Louise Pl, E Winchester St, Doria St, Sherwood Ave, Greenmeadow Dr, Keith Green, Links Rd, Peach Ave, S Armour Ct | $653 |
| Vu Ave, Cheyenne Way, Birch Pl, Wilderness Cir, Periwinkle St, Loganberry Ct, Mimosa Pl, Mountain Ridge Dr, W Pioneer Ave, Ferrier Ct | $670 |
| W Romneya Dr, Garnet Ln, Greenwich Dr, Pine Dr, W Parkdale Dr, N Avondale Ave, N Derek Dr, Gateway Ct, Miramonte Dr, W Rosslynn Ave | $622 |
| N Hilltop Ct, Cooper Ct, Poinsettia Dr, N Fairford Dr, S Locust Dr, Camino la Vis, N Hanover Pl, N Florence Pl, Carmel Cir, Ladera Vista Dr | $650 |
| W Cobblestone Rd, Bonnie Brae Dr, N Avolencia Dr, E Canfield Ln, S Richman Ave, S Puente St, Ave Santa Domingo, W Fir St, Birch Tree Ct, W Greenacre Ave | $665 |
| McFadden Dr, Egerer Pl, Winchester St, Ximeno Dr, Firethorne Ave, Mariner St, Riviera Ct, Hickory Dr, N Catalpa Ave, W Country Hills Dr | $675 |
| Burning Tree Rd, Brookline Pl, Lakeview Dr, N Montague Ave, Ladera Vista Dr, Norwich Ln, Wilson Ave, W Glenoaks Ave, Via Los Altos, Fender Ave | $652 |
| N Tunales Dr, E Erna Ave, Parkhaven Ct, Elizabeth Way, Milton Ave, Loma Verde Dr, Pso Grande, Hastings Ave, S Augusta Ct, Balboa Rd | $674 |
| Place | Savings For Senior Occupied Homes |
|---|---|
| Fullerton | $96 to $99 |
| La Habra | $94 |
| Placentia | $97 |
| East Whittier | $95 |
| Coverage ($) | Deductible ($) | Age of home | Company | Average homeowners insurance premium ($) |
|---|---|---|---|---|
| 150000 | 500 | New | Amica Mutual | 411 |
| 150000 | 500 | New | First American Ins | 348 |
| 400000 | 1000 | New | First American Ins | 778 |
| 400000 | 1000 | New | MAPFRE Group | 846 |
| 500000 | 1000 | New | Century National | 1079 |
| 500000 | 2500 | New | Nationwide | 706 |
| 150000 | 250 | 1-3 Years | Stillwater Ins Co | 420 |
| 200000 | 500 | 1-3 Years | Kemper | 668 |
| 200000 | 500 | 1-3 Years | Travelers | 406 |
| 250000 | 1000 | 1-3 Years | Universal North America | 379 |
| 400000 | 1000 | 1-3 Years | Mercury Ins Group | 431 |
| 400000 | 1000 | 1-3 Years | Privilege Underwriters Exch | 2086 |
| 500000 | 2500 | 1-3 Years | Bankers Standard | 2027 |
| 500000 | 2500 | 1-3 Years | Oregon Mutual | 786 |
| 150000 | 500 | 4-6 Years | CSE Safeguard | 420 |
| 150000 | 500 | 4-6 Years | Privilege Underwriters Exch | 1082 |
| 200000 | 500 | 4-6 Years | Bankers Standard | 2363 |
| 200000 | 500 | 4-6 Years | Mercury Ins Group | 360 |
| 250000 | 500 | 4-6 Years | Privilege Underwriters Exch | 1803 |
| 500000 | 1000 | 4-6 Years | State Farm | 1130 |
| 500000 | 2500 | 4-6 Years | QBE (Balboa) | 766 |
| 750000 | 2500 | 4-6 Years | Horace Mann | 1745 |
| 200000 | 500 | 7-15 Years | Chubb/Federal | 2057 |
| 250000 | 1000 | 7-15 Years | Chubb/Federal | 2293 |
| Low Deductible | High Deductible | |
|---|---|---|
| Deductible | $600 | $1,600 |
| Yearly Fullerton Homeowner Insurance Premium Example | $800 | $600 |
| Out of Pocket Expense During Claim | $600 | $1,600 |
| Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim | $7,000 | $6,400 |
| Net Savings to Fullerton Home Owner from High Deductible Plan | $600 | |
| Scenario | Fullerton, CA Home Replacement Value MORE than Home Value | Fullerton, CA Home Replacement Value LESS than Home Value |
|---|---|---|
| Replacement Value | $647,500 | $485,500 |
| Insurance Premium based on Replacement Value | $1,875 | $1,400 |
| Risk Exposure from Under Insuring Coverage | Unnecessary Home Insurance Coverage of $92,500 | Risk Exposure from Under Insuring Coverage is $69,500 |
| Premium Impact | Insurance cheaper by $200/year | Insurance costlier by $275/year |
| Insurance Company | Amica Mutual Insurance Company | Nationwide Insurance | Travelers |
| Monthly Premium | 110 | 29 | 130 |
| Year Built | 1985 | 1960 | 1979 |
| Home Details | 4 Beds, 1 Baths | 2 Beds, 1 Baths | 5 Beds, 3 Baths |
| Coverage Amount | $500000-$600000 | $175000-$200000 | $500000-$600000 |
| Deductible | $500 Deductible | $5000 to $10,000 Deductible | $2500-$5000 Deductible |