Laguna Hills Insurance Rates:

Laguna Hills, CA homeowners insurance is about $557 to $760, about $46-$63/month. Our comprehensive research shows customers can save as much as $263 by getting multiple quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

Compare Quotes from Top Providers and Save now!

Latest Home Insurance Reviews

State Farm
The customer service is awesome. I can always guarantee that someone will be very informative and helpful with any question I have or concern
Geico
The premium of my insurance company is quite competitive in relation to other companies, and the deductible is in the range of other companies.
Liberty Mutual
The premium is not too expensive, although it had gone up more than i would have liked. They could be better about communicating policy increases in advance.
Travelers
I currently do not have an insurance policy covering my home, unfortunately I would have to then give my opinion as a "1" specifically notating that I cannot be satisfied by a service that I do not currently have.
Farmer's Insurance
I liked that farmers can provide all the types of insurance i need, home with a pool, 2 cars, umbrella policy, etc.
State Farm
Unfortunately they have taken it upon themselves to drop people from my policy without first checking and verifying with me.
Liberty Mutual
I have only had to call a couple times in the last 8 years, but they have been great each time.
Farmer's Insurance
I like it, I only had used it few times. I feel like it is easy enough to figure out, we also have a great agent who we talk to for all of our needs.
State Farm
I'm very happy with my insurance company. They've taken care of me and helped me get the discounts I deserved. I've never had any problems with them and that's great.
Farmer's Insurance
I like the peace of mind and the fact that they are affordable and reliable. however that's about it honestly
Esurance
They are always quick to contact me if there is ever an issue. Then they are always willing to get to the bottom of it. It is also a major plus that the people that you speak to speak very clearly and are easy to understand.
Progressive
The premium and deductible on my insurance is mostly reasonable. However, in these tough financial times, I would prefer to have them lowered.

Laguna Hills, CA Homeowners Insurance By Home Value

Laguna Hills, CA Home Value Total Homes % of Total Average Laguna Hills, CA Homeowners Insurance
Less than $50,000 52 2.0% $26
$50,000 to $59,999 32 1.0% $59
$70,000 to $79,999 24 1.0% $85
$80,000 to $89,999 67 2.0% $92
$100,000 to $124,999 43 1.0% $125
$125,000 to $149,999 47 2.0% $157
$150,000 to $174,999 254 11.0% $184
$175,000 to $199,999 118 5.0% $210
$200,000 to $249,999 277 12.0% $256
$250,000 to $299,999 414 18.0% $315
$300,000 to $399,999 915 40.0% $401

Top Home Insurance Agents Near Laguna Hills, CA

Home Insurance Company Near Laguna Hills, CA Homeowners Insurance Agency Near Laguna Hills, CA Address
NA United Agencies Inc./ Rpw Insurance Brokerage, Inc. P. O. Box 9, Downey, CA, 90241
Liberty Mutual Independent Don Dixon & Associates 8141 2ND ST STE 630, DOWNEY, CA, 90241
Travelers J F Welch Insurance Services Inc 6560 VAN BUREN BLVD STE B, RIVERSIDE, CA, 92503
Travelers Nathan Comstock Insurance Services 28570 MARGUERITE PARKWAY STE 208, MISSION VIEJO, CA, 92692
State Farm Steven Dean 120 W Grand Avenue, Escondido, CA, 92025-2642

Laguna Hills, CA Home Insurance Agents for Top Companies


Cost Of Homeowners Insurance By Street Near Laguna Hills, CA

Streets in Laguna Hills Area Homeowners Insurance Cost
Rangewood Rd, Bucklestone Dr, San Amedeo, Wald, Torino, Doppler, Anacapa St, Los Alamitos Ave, Pinto Ct, Avenita Costanero$627
Via Marcus, Ave Arbolado, del Lago Dr, Via Los Altos, el Carrizo, Northrup Dr, Cmt Rio, Via Terracina, Saint Moritz St, Merienda$637
Rapid Falls Rd, Wells Fargo Dr, Amelia St, Robin Ridge, de Salle St, Medici, San Amadeo, Tradewinds, Louisa St, Buckskin Dr$655
Nellie Gail Rd, Cmt Juanico, Cmt Claro, Cmt Grande, Hitching Rail Rd, Windswept, San Marcos Ln, Ave Centinela, Sierra Bonita, Hillary Ln$631
Noah Ct, Ancona, Los Adornos, Saddleridge, Georgia Sue, Belmez, Via Azul, Sausalito St, Avondale Dr, Sheriff Rd$628

Laguna Hills, CA Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Laguna Hills$98 to $101
Aliso Viejo$96
Laguna Woods$90
Las Flores$99

Laguna Hills, 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
Aliso Viejo city, California $96 $128 $192
Laguna Woods city, California $90 $120 $180
Las Flores CDP (Orange County), California $100 $133 $200

Laguna Hills, 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
Laguna Hills, CA2.0%9.5%
Aliso Viejo1.89%8.27%
Laguna Woods3.13%6.35%
Las Flores1.65%5.73%

Laguna Hills Renters Insurance as a Percentage of Rent

Laguna Hills Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 64 2.0% $769
$750 to $999 73 2.0% $2644
$1,000 to $1,499 728 27.0% $3769
$1,500 or more 1,761 66.0% $5419

Average Cost Of Home Insurance By Company In Areas Nearby Laguna Hills For Different Scenarios

Coverage ($) Deductible ($) Age of home Company Average homeowners insurance premium ($)
150000250NewOregon Mutual336
150000250NewQBE (Balboa)421
250000500NewHomesite601
300000500NewCalifornia Casualty611
5000001000NewKemper913
5000002500NewOregon Mutual559
5000002500NewUniversal North America643
25000010001-3 YearsAmerican Reliable624
25000010001-3 YearsPacific Property And Casualty365
25000010001-3 YearsStillwater Ins Co477
2500005001-3 YearsGrange610
40000010001-3 YearsUniversal North America661
50000010001-3 YearsWestern Mutual/Residence734
1500002504-6 YearsHorace Mann P & C314
1500002504-6 YearsLiberty Ins Corp673
1500002504-6 YearsMetropolitan Direct461
1500005004-6 YearsCentury National385
2000005004-6 YearsGeneral Ins387
40000010004-6 YearsAAA (Interinsurance Exchange)773
50000025004-6 YearsChubb/Federal2023
50000025004-6 YearsHorace Mann P & C570
50000025004-6 YearsMercury Ins Group613
1500002507-15 YearsHomesite641
2000005007-15 YearsBankers Standard2009

Laguna Hills, CA Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$600$6,600
Yearly Laguna Hills Homeowner Insurance Premium Example $1,900$900
Out of Pocket Expense During Claim$600$6,600
Total Home Insurance Premium for 7 years + Out of Pocket Expense for Claim $13,900$12,900
Net Savings to Laguna Hills Home Owner from High Deductible Plan $1,000

Laguna Hills, CA Home Insurance Costs With Home Replacement Value Scenarios

Scenario Laguna Hills, CA Home Replacement Value MORE than Home Value Laguna Hills, CA Home Replacement Value LESS than Home Value
Replacement Value $732,000 $438,000
Insurance Premium based on Replacement Value $1,900 $1,150
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $138,500 Risk Exposure from Under Insuring Coverage is $155,500
Premium Impact Insurance cheaper by $400/year Insurance costlier by $350/year

Example Laguna Hills Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Liberty MutualFarmers InsuranceTravelers
Monthly Premium 1137794
Year Built 199219841980
Home Details 2 Beds, 1 Baths4 Beds, 2 Baths3 Beds, 1 Baths
Coverage Amount $500000-$600000$500000-$600000$350000-$400000
Deductible $5000 to $10,000 Deductible$5000 to $10,000 Deductible$500- $1000 Deductible

Sample Home Insurance Rates for Laguna Hills, CA from Consumer Reviews & Surveys

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1993 700,000 Composition Roof 3,030 4 $5000 to $10,000 Deductible 1350 9 Wood siding No
1994 805,000 Tile Roof 3,360 4 $5000 to $10,000 Deductible 1140 9 Fiber-Cement Siding No
1987 910,000 Shingles Roof 2,910 4 $1000-$2500 Deductible 820 5 Stone Siding No
1996 945,000 Wood Shake Roof 3,330 4 $500 Deductible 2800 12 Stone Siding No
1984 590,000 Composition Roof 2,290 3 $1000-$2500 Deductible 750 7 Wood siding No
1997 380,000 Tile Roof 1,440 2 $2500-$5000 Deductible 990 10 Fiber-Cement Siding No
1980 915,000 Asphalt Shingles Roof 3,190 4 $5000 to $10,000 Deductible 1840 12 Stucco siding No
1991 680,000 Asphalt Shingles Roof 3,120 5 $500- $1000 Deductible 1110 9 Wood siding No
1995 450,000 Composition Roof 1,490 3 > $10,000 Deductible 630 10 Vinyl siding No
1982 920,000 Asphalt Shingles Roof 2,880 4 $500 Deductible 1080 4 Stone Siding No
1985 305,000 Shingles Roof 950 2 $2500-$5000 Deductible 220 4 Brick siding No
1998 665,000 Tile Roof 2,920 4 $500- $1000 Deductible 1320 7 Stucco siding yes
1986 820,000 Asphalt Shingles Roof 3,140 4 $5000 to $10,000 Deductible 1270 8 Brick siding No
1988 530,000 Membrane Roof 2,170 3 $2500-$5000 Deductible 210 3 Fiber-Cement Siding No
1984 550,000 Slate Shingles Roof 1,760 2 $5000 to $10,000 Deductible 180 2 Vinyl siding yes
1980 1,010,000 Wood Shake Roof 3,180 4 > $10,000 Deductible 710 5 Fiber-Cement Siding No
1983 255,000 Membrane Roof 1,020 2 $500- $1000 Deductible 120 2 Brick siding No
1997 510,000 Tile Roof 1,630 3 $2500-$5000 Deductible 210 3 Stone Siding yes
1982 480,000 Tile Roof 1,940 4 $500- $1000 Deductible 280 2 Stucco siding yes
1992 1,015,000 Wood Shake Roof 3,170 4 > $10,000 Deductible 320 2 Brick siding yes
1983 1,445,000 Asphalt Shingles Roof 4,590 5 $500- $1000 Deductible 2550 10 Stucco siding yes
1987 570,000 Slate Shingles Roof 1,920 3 $2500-$5000 Deductible 270 3 Stucco siding yes
1995 435,000 Metal Roof 1,360 3 $2500-$5000 Deductible 400 5 Wood siding No
1990 460,000 Membrane Roof 1,480 3 $1000-$2500 Deductible 500 4 Wood siding yes
1993 780,000 Slate Shingles Roof 3,010 4 > $10,000 Deductible 990 9 Wood siding yes
1987 1,390,000 Shingles Roof 4,340 5 $2500-$5000 Deductible 1340 7 Fiber-Cement Siding No
1981 730,000 Tile Roof 2,450 5 > $10,000 Deductible 490 6 Wood siding yes
1989 405,000 Membrane Roof 1,330 2 $1000-$2500 Deductible 580 6 Stone Siding yes
1991 415,000 Wood Shake Roof 1,570 5 $500 Deductible 1030 12 Wood siding No
1993 515,000 Metal Roof 2,250 5 $500- $1000 Deductible 140 1 Wood siding No
1986 545,000 Membrane Roof 2,220 4 > $10,000 Deductible 200 3 Brick siding No
1982 420,000 Shingles Roof 1,380 2 $1000-$2500 Deductible 970 9 Stone Siding yes
1996 755,000 Metal Roof 2,820 4 $5000 to $10,000 Deductible 660 6 Vinyl siding yes
1983 580,000 Shingles Roof 1,830 3 $500- $1000 Deductible 730 8 Stucco siding yes

How To Make Your Laguna Hills, CA Home Insurance Cheaper

How Much Does Laguna Hills, CA Home Insurance Cost?