Lake Forest Insurance Rates:

Lake Forest, CA homeowners insurance is nearly $550 to $746, about $45-$62/month. Our extensive research indicates shoppers can save as much as $259 by comparing many quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

State Farm
As if now i am not making a steady income, so they're rates are a little high for me as of right now.
The Hartford
Their website is easy to use and helped me find all the information i needed before selecting their policy. also, the website features great graphics and presentation.
State Farm
I feel that the premium compared to other companies that I have researched is a little high. Of course, I would like it to be as low as possible, but this one is a little high compared to others that I have seen.
Geico
We have experienced excellent customer service with Geico. The app is easy to use, but if we need to call the customer service line to speak with a representative, we've always had great service.
Liberty Mutual
I don't interact that much with the company unless there is a question about billing or something related to coverage and these are overall OK.
Travelers
The company has been in business for a very long time. I like that they cater to the U.S. military and its personnel, and offer competitive pricing and value.
State Farm
I love that I am always able to speak to my agent and never have to go through a third party for anything.
Allstate
Allstate company offers a wide range of options for us to choose the deductible and also a higher premium for Reimbursement provision.
State Farm
The premium is a little higher. Still very competitive. The coverage amount compared to the premium is a good value.It is worth it to pay for a higher premium if your getting better coverages.
Allstate
I am very satisfied with home insurance in Allstate home insurance company.I would definitely recommend for my friends and family
State Farm
I would recommend State Farm to anyone and believe their home insurance offerings are very good.
State Farm
The State Farm is very nice Insurance company. It gives me to safety for my life coverage. It help my family without me.
State Farm
State farm has a pretty solid premium and deductible that is straight forward. compared to the others that I have looked into I would rate them around 4. Not quite the best but still putting on a good show.

Lake Forest, CA Homeowners Insurance By Home Value

Lake Forest, CA Home Value Total Homes % of Total Average Lake Forest, CA Homeowners Insurance
Less than $50,000 305 5.0% $25
$50,000 to $59,999 109 1.0% $64
$60,000 to $69,999 211 3.0% $77
$80,000 to $89,999 98 1.0% $103
$90,000 to $99,999 61 1.0% $116
$100,000 to $124,999 267 4.0% $136
$125,000 to $149,999 162 2.0% $174
$150,000 to $174,999 211 3.0% $207
$175,000 to $199,999 341 5.0% $239
$200,000 to $249,999 981 16.0% $285
$250,000 to $299,999 969 15.0% $349
$300,000 to $399,999 2,326 38.0% $447

Top Home Insurance Agents Near Lake Forest, CA

Home Insurance Company Near Lake Forest, CA Homeowners Insurance Agency Near Lake Forest, CA Address
Farmers Helen Parsa 26060 Acero Ste 104, Mission Viejo, CA, 92691
Farmers Lawrence Krell 310 VIA VERA CRUZ STE 201, San Marcos, CA, 92078
Travelers Roger Stone Insurance Agency 5015 BIRCH ST, NEWPORT BEACH, CA, 92660
Allstate Sarah Kuang 8780 Valley Blvd Ste D, Rosemead, CA, 91770
State Farm Bill Woodruff 1300 Centinela Ave Ste 101, Inglewood, CA, 90302-1226

Lake Forest, CA Home Insurance Agents for Top Companies


Cost Of Homeowners Insurance By Street Near Lake Forest, CA

Streets in Lake Forest Area Homeowners Insurance Cost
Orchard Rim Ln, Forest Meadow Dr, Bonita Ln, Crescent Bay Dr, Providence, Rawhide Cir, Lake Center Dr, Serrano Creek Rd, el Caballo St, Birdrock Dr$634
Lacebark Ln, Clairemont Pl, Osterman Rd, Via Tonada, Killy St, Bee Canyon Access Rd, Tucson, Cottonwood Cir, Corozal, Rue du Parc$668
Portola Pkwy, Lake Vista Dr, Jasper Hill Rd, Cheyenne, N Sea Cir, New Bedford Dr, Eagle St, Regency Ln, Santiago Cyn Rd, Cooks Bay Dr$663
Crane St, Goldrush, Lost River Ct, Thomas, Whisler Dr, Galeana, Via Princesa, Peacock St, Alta Loma, Revere Rd$661
Montbury Dr, N Pointe Dr, Cavanaugh Rd, Le Parc, Treeline Ln, Elderwood, Totila Way, Forest Hill, Castlewood, Canyon Hill Dr$665
Fox Glen, Belquest Dr, Overlake, Southbrook, Odessa, Swiftriver Ct, Respit Dr, Ave Veraneo, Plainview Cir, Silver Spring$630
Rivendell Dr, Exploration, Hampden Ter, Cll Sendero, Wagar St, Navajo Dr, Springwood Cir, Brookhollow, Moresby Way, Highpine Rd$643
Arborwood, Mont Pointe, Astor Way, Ponchartrain Ln, Jarrow Ln, Rio Aliso Dr, Barclay Ln, Fort Apache Cir, Eloise Dr, Saipan Pl$643
Morgan, Newhall Ln, Starbuck Rd, Cll Tres Lomas, Oak Creek Ln, Dimension Dr, Canyon Vista Dr, Coleford St, Brookhaven, Rochelle Ln$661
Silver Dollar, Tama Dr, la Perla, Pso Verdura, Bywater Rd, Cll Olivia, Northwood Ln, Valleymont Rd, Cll Recreo, Owens Lake Cir$662

Lake Forest, CA Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Lake Forest$96 to $99
Irvine-Lake Forest$99
Rancho Santa Margarita$97
Laguna Woods$90

Lake Forest, 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
Irvine-Lake Forest CCD, Orange County, California $83 $111 $166
Rancho Santa Margarita city, California $82 $109 $163
Laguna Woods city, California $75 $100 $150

Lake Forest, 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
Lake Forest, CA2.1%9.3%
Irvine-Lake Forest1.96%9.3%
Rancho Santa Margarita1.88%7.54%
Laguna Woods3.13%6.35%

Lake Forest Renters Insurance as a Percentage of Rent

Lake Forest Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$300 to $499 105 1.0% $1224
$500 to $749 143 1.0% $1899
$750 to $999 189 2.0% $2649
$1,000 to $1,499 2,317 29.0% $3774
$1,500 or more 4,900 63.0% $5424

Average Cost Of Home Insurance By Company In Areas Nearby Lake Forest For Different Scenarios

Coverage ($) Deductible ($) Age of home Company Average homeowners insurance premium ($)
150000500NewFirst American Ins312
200000500NewMAPFRE Group406
4000001000NewIDS Property Casualty890
4000001000NewOregon Mutual560
5000001000NewCalifornia Capital836
5000002500NewCentury National766
7500002500NewHomesite1129
2000005001-3 YearsUnigard Group511
25000010001-3 YearsTravelers499
3000005001-3 YearsWawanesa635
40000010001-3 YearsCalifornia Casualty786
3000005004-6 YearsFirst American Ins704
40000010004-6 YearsFirst American Ins818
2500005007-15 YearsWestern Mutual/Residence541
3000005007-15 YearsHomesite823
40000010007-15 YearsAmerican Modern1328
50000025007-15 YearsMetropolitan Direct1022
50000025007-15 YearsStillwater Prop & Cas Co960
75000025007-15 YearsStillwater Prop & Cas Co1501
15000050016-25 YearsCentury National465
15000050016-25 YearsFirst American Ins459
250000100016-25 YearsIDS Property Casualty915
250000100016-25 YearsOregon Mutual634

Lake Forest, CA Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$600$1,600
Yearly Lake Forest Homeowner Insurance Premium Example $2,000$1,500
Out of Pocket Expense During Claim$600$1,600
Total Home Insurance Premium for 5 years + Out of Pocket Expense for Claim $10,600$9,100
Net Savings to Lake Forest Home Owner from High Deductible Plan $1,500

Lake Forest, CA Home Insurance Costs With Home Replacement Value Scenarios

Scenario Lake Forest, CA Home Replacement Value MORE than Home Value Lake Forest, CA Home Replacement Value LESS than Home Value
Replacement Value $420,500 $329,500
Insurance Premium based on Replacement Value $1,350 $1,050
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $49,500 Risk Exposure from Under Insuring Coverage is $41,500
Premium Impact Insurance cheaper by $150/year Insurance costlier by $150/year

Example Lake Forest Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Nationwide InsuranceState FarmChubb Group of Insurance
Monthly Premium 56101157
Year Built 199920041982
Home Details 2 Beds, 1 Baths3 Beds, 2 Baths5 Beds, 2 Baths
Coverage Amount $200000-$250000$500000-$600000More than 10000000
Deductible $1000-$2500 Deductible$1000-$2500 Deductible> $10,000 Deductible

Sample Home Insurance Rates for Lake Forest, CA from Consumer Reviews & Surveys

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
2006 500,000 Membrane Roof 2,220 3 $500 Deductible 840 8 Stone Siding No
2001 370,000 Membrane Roof 1,620 3 $500- $1000 Deductible 330 3 Stone Siding yes
1997 500,000 Wood Shake Roof 2,380 3 $5000 to $10,000 Deductible 530 6 Stucco siding No
1990 645,000 Wood Shake Roof 3,140 5 $500- $1000 Deductible 1660 9 Stone Siding yes
2006 375,000 Slate Shingles Roof 1,810 3 $500- $1000 Deductible 260 3 Vinyl siding yes
1986 325,000 Membrane Roof 1,550 3 $5000 to $10,000 Deductible 200 3 Stone Siding yes
1983 580,000 Slate Shingles Roof 2,580 4 $500- $1000 Deductible 710 5 Brick siding yes
2007 370,000 Tile Roof 1,500 3 > $10,000 Deductible 250 6 Stucco siding yes
1983 295,000 Asphalt Shingles Roof 1,330 2 $500- $1000 Deductible 220 3 Fiber-Cement Siding No
1999 350,000 Composition Roof 1,590 3 $1000-$2500 Deductible 480 6 Wood siding yes
1985 415,000 Slate Shingles Roof 1,680 4 $2500-$5000 Deductible 590 7 Stucco siding yes
1980 410,000 Wood Shake Roof 1,590 3 $500- $1000 Deductible 680 7 Wood siding No
1988 630,000 Asphalt Shingles Roof 2,410 4 $5000 to $10,000 Deductible 820 8 Brick siding yes
1998 450,000 Composition Roof 2,020 3 $500 Deductible 760 7 Wood siding yes
2008 565,000 Tile Roof 2,320 3 > $10,000 Deductible 290 5 Fiber-Cement Siding No
1988 260,000 Asphalt Shingles Roof 1,290 3 > $10,000 Deductible 340 10 Stucco siding No
1984 325,000 Shingles Roof 1,310 3 $1000-$2500 Deductible 290 5 Fiber-Cement Siding yes
1991 1,170,000 Wood Shake Roof 4,740 5 $2500-$5000 Deductible 800 4 Wood siding No
1986 770,000 Metal Roof 3,170 5 $2500-$5000 Deductible 340 2 Fiber-Cement Siding yes
1984 1,185,000 Wood Shake Roof 4,290 5 $500- $1000 Deductible 1620 8 Fiber-Cement Siding No
1985 255,000 Tile Roof 1,150 2 $1000-$2500 Deductible 540 10 Wood siding yes
1996 410,000 Shingles Roof 1,410 3 $500- $1000 Deductible 200 3 Fiber-Cement Siding yes
1997 540,000 Asphalt Shingles Roof 2,000 5 $5000 to $10,000 Deductible 200 3 Brick siding No
1994 315,000 Composition Roof 1,280 2 $2500-$5000 Deductible 760 10 Fiber-Cement Siding yes
1995 370,000 Membrane Roof 1,360 3 > $10,000 Deductible 300 8 Fiber-Cement Siding No
1987 420,000 Membrane Roof 1,820 4 $500 Deductible 580 5 Wood siding No
1983 270,000 Metal Roof 1,340 3 $5000 to $10,000 Deductible 170 4 Stucco siding yes
2000 485,000 Shingles Roof 1,690 2 $500 Deductible 1300 12 Vinyl siding yes
2009 475,000 Composition Roof 2,130 5 $500- $1000 Deductible 900 6 Wood siding No
1982 670,000 Metal Roof 3,370 5 > $10,000 Deductible 810 8 Stucco siding yes
2004 765,000 Slate Shingles Roof 3,100 4 $1000-$2500 Deductible 1410 7 Stucco siding yes
2002 665,000 Shingles Roof 3,230 4 > $10,000 Deductible 340 4 Fiber-Cement Siding No
1996 370,000 Composition Roof 1,770 2 $1000-$2500 Deductible 80 1 Fiber-Cement Siding No
2003 535,000 Membrane Roof 2,560 4 $2500-$5000 Deductible 330 3 Wood siding No

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