La Mesa Insurance Rates:

La Mesa, CA homeowners insurance is nearly $533 to $723, about $44-$60/month. Our extensive guide indicates shoppers can save as much as $250 by getting multiple quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

State Farm
I would recommend State Farm, because I like the agent we use. he is knowledgeable and helpful when we have questions. The local branch office is nice to have
Metlife
I would recommend out insurance, with the caveat that we have never submitted a claim to collect. I might be more particular if I was living in an area that was hit regularly by hurricanes or tornadoes.
State Farm
State Farm has always been my insurance company for home and auto. They treat you well and they offer the best rates. I have had one car claim against them and they settles it fast and with no price increase.
Travelers
The premium that I have and the deductables that I have agreed to are very fair when compared with Allstate, Geico and State Farm. They are very close in nature so there is no reason to switch at this time.
Farmer's Insurance
Farmers is very attentive to concerns and they respond quickly when claims are filed to find resolution quickly.
Progressive
Progressive lacks human interaction. all of my business with progressive has been conducted online without speaking to a living person. there is no specific agent that i can speak to when i have concerns. there is no one who is standing by to fight on my side in case of a claim.
State Farm
I have top quality coverage. whenever i rent a uhaul, i am fully covered. whenever i rent a car, i'm fully covered. if something happens, i am fully covered.
Allstate
When we had a storm and a tree fell on our roof I was able to talk to a representative right away. It was nice to have some guidance as the tree went through the roof of our home.
Nationwide
I feel like for what I get that this is a reasonable amount. I also think that they provide great customer service.
State Farm
It’s not too bad! The interface is a bit of a hassle but besides that it's not too terrible! And the response time on the website is amazing!!
Allstate
Short and sweet - this company is on point with their premium pricing, discounts, customer service, and roadside assistance. They've provided everything I need for my tiny home, and they don't try to monopolize on their exclusivity by charging e insane premiums.
Progressive
I would recommend them to others because the prices are reasonable, I haven't had any issues with them yet, there in my opinion is enough offerings to find what you need.

La Mesa, CA Homeowners Insurance By Home Value

La Mesa, CA Home Value Total Homes % of Total Average La Mesa, CA Homeowners Insurance
Less than $50,000 225 3.0% $37
$125,000 to $149,999 110 1.0% $225
$150,000 to $174,999 228 3.0% $263
$175,000 to $199,999 156 2.0% $307
$200,000 to $249,999 711 11.0% $369
$250,000 to $299,999 1,203 18.0% $451
$300,000 to $399,999 3,588 56.0% $576

Top Home Insurance Agents Near La Mesa, CA

Home Insurance Company Near La Mesa, CA Homeowners Insurance Agency Near La Mesa, CA Address
Allstate Brian Mc Mullen 4455 Lamont St Ste 1, San Diego, CA, 92109
Allstate Jawad S. Bisharat 7858 Ivanhoe Ave, La Jolla, CA, 92037
Allstate John Del-Zio 31034 Valley Center Rd Ste B, Valley Center, CA, 92082
State Farm Ralph Bettencourt 111 N El Cam Rl Ste D, Encinitas, CA, 92024-5396
State Farm Tammy Manzano 1925 E Palomar St Ste 17, Chula Vista, CA, 91913-5024

La Mesa, CA Home Insurance Agents for Top Companies


Cost Of Homeowners Insurance By Street Near La Mesa, CA

Streets in La Mesa Area Homeowners Insurance Cost
Stanford Ave, Louise Ct, Carbo Ct, Hawley Ave, Fletcher Dr, Keeney St, Torrem St, Oakland Rd, Lake Park Way, Finley Ave$625
Lee Ave, Spring Gardens Rd, Hillsmont Pl, Vis de la Cruz, Cleburn Dr, Hillgrove Dr, Dale Ave, Adelante Ave, Mount Hills Pl, Elaine Way$629
Phoenix Dr, Crockett St, Murray Hill Rd, S Westwind Dr, Altair Ct, Garden Grove Ln, Golondrina Dr, Highland Pl, Norman Ln, Madra Ave$661
Valle Vista Dr, Lambda Dr, Prospect Way, Gregg Ct, Elden St, Vista St, Berenda Pl, Jimzel Rd, Junior High Dr, Blanchard Rd$628
Sandy Bev Ln, Spring Dr, Airoso Ave, Parkway Dr, Hopedale Ct, Lovell Ln, Case St, Adelante Ave, N Pierce St, Apore St$669

La Mesa, CA Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
La Mesa$94 to $96
Lemon Grove$92
Casa de Oro-Mount Helix$98
Spring Valley$93

La Mesa, CA Auto & Homeowners Insurance Bundling Discounts

Place 1 Car Bundle Savings On Insurance 2 Car Bundle Savings On Insurance 3 Car Bundle Savings On Insurance
Lemon Grove city, California $92 $123 $185
Casa de Oro-Mount Helix CDP, California $98 $131 $197
Spring Valley CDP (San Diego County), California $93 $124 $186

La Mesa, CA Area 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
La Mesa, CA2.4%12.3%
Lemon Grove2.52%15.12%
Casa de Oro-Mount Helix1.88%10.93%
Spring Valley2.39%13.53%

La Mesa Renters Insurance as a Percentage of Rent

La Mesa Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 257 2.0% $785
$300 to $499 230 1.0% $1235
$500 to $749 487 3.0% $1910
$750 to $999 2,410 19.0% $2660
$1,000 to $1,499 5,620 46.0% $3785
$1,500 or more 3,143 25.0% $5435

Average Cost Of Home Insurance By Company In Areas Nearby La Mesa For Different Scenarios

Coverage ($) Deductible ($) Age of home Company Average homeowners insurance premium ($)
2500001000NewAmerican Security381
250000500NewChubb/Federal915
4000001000NewHorace Mann P & C753
5000002500NewAIG Prop Cas1092
1500005001-3 YearsHorace Mann P & C383
2000005001-3 YearsNationwide489
40000010001-3 YearsCentury National830
1500002504-6 YearsStillwater Ins Co447
2000005004-6 YearsFarmers (Fire Ins)680
2000005004-6 YearsHorace Mann539
25000010004-6 YearsFarmers (Fire Ins)745
25000010004-6 YearsStillwater Ins Co534
2500005004-6 YearsIntegon/National656
2500005004-6 YearsMAPFRE Group662
3000005004-6 YearsAIG Prop Cas1038
40000010004-6 YearsGeneral Ins602
40000010004-6 YearsWawanesa755
75000025004-6 YearsIDS Property Casualty1546
2000005007-15 YearsChubb/Federal917
2000005007-15 YearsSafeco630
40000010007-15 YearsMAPFRE Group1180
40000010007-15 YearsState Farm1283
50000010007-15 YearsStillwater Prop & Cas Co1320
15000025016-25 YearsHartford (Sentinel)770

La Mesa, CA Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,900$2,900
Yearly La Mesa Homeowner Insurance Premium Example $700$500
Out of Pocket Expense During Claim$1,900$2,900
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $7,500$6,900
Net Savings to La Mesa Home Owner from High Deductible Plan $600

La Mesa, CA Home Insurance Costs With Home Replacement Value Scenarios

Scenario La Mesa, CA Home Replacement Value MORE than Home Value La Mesa, CA Home Replacement Value LESS than Home Value
Replacement Value $515,000 $385,000
Insurance Premium based on Replacement Value $1,850 $1,375
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $79,000 Risk Exposure from Under Insuring Coverage is $51,000
Premium Impact Insurance cheaper by $175/year Insurance costlier by $300/year

Example La Mesa Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company State FarmAmica Mutual Insurance CompanyTravelers
Monthly Premium 305597
Year Built 195819601983
Home Details 2 Beds, 1 Baths3 Beds, 2 Baths4 Beds, 3 Baths
Coverage Amount $125000-$150000$250000-$300000$500000-$600000
Deductible $500- $1000 Deductible$500 Deductible$2500-$5000 Deductible

Sample Home Insurance Rates for La Mesa, CA from Consumer Reviews & Surveys

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1985 475,000 Membrane Roof 2,170 3 $500 Deductible 1480 12 Stucco siding yes
1987 340,000 Composition Roof 1,630 2 $5000 to $10,000 Deductible 500 10 Vinyl siding No
1982 435,000 Membrane Roof 1,940 3 $5000 to $10,000 Deductible 800 8 Stucco siding yes
1971 475,000 Slate Shingles Roof 2,510 4 $500 Deductible 840 8 Stucco siding No
1972 380,000 Metal Roof 1,760 3 $500 Deductible 620 7 Vinyl siding No
1964 370,000 Shingles Roof 2,330 4 $500- $1000 Deductible 680 9 Fiber-Cement Siding No
1976 635,000 Shingles Roof 3,080 4 $5000 to $10,000 Deductible 780 9 Stone Siding yes
1976 245,000 Membrane Roof 1,450 3 $500- $1000 Deductible 380 8 Stone Siding No
1964 450,000 Shingles Roof 2,520 4 $5000 to $10,000 Deductible 300 4 Stone Siding yes
1970 395,000 Asphalt Shingles Roof 2,030 4 $1000-$2500 Deductible 210 4 Stucco siding yes
1979 205,000 Wood Shake Roof 1,240 2 $5000 to $10,000 Deductible 160 6 Fiber-Cement Siding No
1987 285,000 Asphalt Shingles Roof 1,500 2 > $10,000 Deductible 260 6 Brick siding No
1980 165,000 Membrane Roof 1,030 2 $1000-$2500 Deductible 360 12 Fiber-Cement Siding No
1984 440,000 Asphalt Shingles Roof 2,280 4 $500- $1000 Deductible 1220 8 Fiber-Cement Siding No
1970 305,000 Metal Roof 1,560 2 $500 Deductible 310 4 Stone Siding yes
1970 455,000 Wood Shake Roof 2,270 4 $1000-$2500 Deductible 660 6 Wood siding No
1979 735,000 Membrane Roof 3,270 4 > $10,000 Deductible 300 3 Stucco siding yes
1980 590,000 Tile Roof 2,880 4 $5000 to $10,000 Deductible 410 4 Stone Siding No
1964 335,000 Asphalt Shingles Roof 1,640 2 $1000-$2500 Deductible 530 7 Fiber-Cement Siding yes
1971 480,000 Asphalt Shingles Roof 2,350 4 > $10,000 Deductible 890 12 Vinyl siding No
1967 330,000 Membrane Roof 1,540 3 > $10,000 Deductible 220 6 Stucco siding No
1956 450,000 Wood Shake Roof 3,000 4 $2500-$5000 Deductible 410 4 Fiber-Cement Siding No
1955 200,000 Shingles Roof 970 2 $5000 to $10,000 Deductible 440 12 Brick siding No
1965 525,000 Tile Roof 2,350 4 > $10,000 Deductible 200 3 Vinyl siding yes
1964 345,000 Asphalt Shingles Roof 1,630 3 $500 Deductible 160 2 Brick siding yes
1969 530,000 Shingles Roof 3,390 4 $1000-$2500 Deductible 620 6 Stone Siding yes
1973 255,000 Slate Shingles Roof 1,550 3 $2500-$5000 Deductible 90 2 Vinyl siding yes
1962 510,000 Wood Shake Roof 3,360 4 $2500-$5000 Deductible 90 1 Brick siding yes
1986 310,000 Slate Shingles Roof 1,660 2 > $10,000 Deductible 160 5 Wood siding yes
1960 425,000 Slate Shingles Roof 2,000 3 > $10,000 Deductible 400 6 Vinyl siding yes
1984 370,000 Shingles Roof 2,020 4 $500 Deductible 250 3 Fiber-Cement Siding No
1967 540,000 Shingles Roof 3,020 4 $1000-$2500 Deductible 550 4 Stucco siding yes
1986 280,000 Tile Roof 1,350 3 $500- $1000 Deductible 520 10 Vinyl siding No
1985 360,000 Composition Roof 2,220 3 $1000-$2500 Deductible 300 4 Fiber-Cement Siding No

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