Lake Isabella Insurance Rates:

Lake Isabella, CA homeowners insurance is about $501 to $683, about $41-$56/month. Our thorough research indicates shoppers can save as much as $236 by getting different quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Lake Isabella, CA Homeowners Insurance By Home Value

Lake Isabella, CA Home Value Total Homes % of Total Average Lake Isabella, CA Homeowners Insurance
Less than $50,000 818 16.0% $94
$50,000 to $59,999 218 4.0% $201
$60,000 to $69,999 225 4.0% $248
$70,000 to $79,999 239 4.0% $284
$80,000 to $89,999 397 7.0% $325
$90,000 to $99,999 84 1.0% $361
$100,000 to $124,999 463 9.0% $420
$125,000 to $149,999 265 5.0% $526
$150,000 to $174,999 611 12.0% $621
$175,000 to $199,999 285 5.0% $716
$200,000 to $249,999 614 12.0% $864
$250,000 to $299,999 398 7.0% $1053
$300,000 to $399,999 381 7.0% $1343

Top Home Insurance Agents Near Lake Isabella, CA

Home Insurance Company Near Lake Isabella, CA Homeowners Insurance Agency Near Lake Isabella, CA Address
Allstate Charles Brummer 1100 Calloway Dr # C200, Bakersfield, CA, 93312
Travelers Crosby & Crosby Insurance Services 111 H ST, BAKERSFIELD, CA, 93304
Allstate Devin Wilson 311 N 2Nd St Ste A, Porterville, CA, 93257
Allstate Palwinder Singh 7850 White Ln Ste J, Bakersfield, CA, 93309
Farmers Randel Thompson 400 Bear Mountain Blvd, Arvin, CA, 93203

Cost Of Homeowners Insurance By Street Near Lake Isabella, CA

Streets in Lake Isabella Area Homeowners Insurance Cost
Pinyon Way, Windmill, Larsen Rd, Jawbone Ave, Bull Run Rd, Grey Fox Rd, Laurel Ave, Park Ave, Saddle Pl, Butternut Dr$584
Chucker Trl, Mobile Dr, Worthington St, Dobbins St, Famosa Rd, Mayfair Rd, Mountain Mesa Rd, Granite Rock Rd, Perdue Ave, Hawes Ct$600
Oldfield Rd, Pascoe Rd, Poplar St, Misty Ct, S Kelso Valley Rd, Myers Way, Paul's Place Dr, Tawny Dawn Ln, Barron Rd, Rancheria Rd$588
S Alpine Way, Genie Dr, Wesley Ave, Estate Pl, Terra Bonita Rd, Round Mountain Rd, Beechwood Ave, Chimney Peak Rd, Blue Rd, Polaris St$602
Entrada Blvd, Piute Mountain Rd, Poso Flat Rd, Pearl Harbor Dr, Stage Coach Dr, Erdle Dr, N Frontier Trl, Buckeye St, Crestview Ave, Saddle Springs Rd$589

Lake Isabella, CA Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Lake Isabella$88 to $91
Bodfish$88
Squirrel Mountain Valley$93
Mountain Mesa$89

Lake Isabella, 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
Bodfish CDP, California $88 $117 $176
Squirrel Mountain Valley CDP, California $93 $124 $186
Mountain Mesa CDP, California $89 $119 $179

Lake Isabella, 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 Isabella, CA4.5%14.4%
Bodfish5.99%14.14%
Squirrel Mountain Valley3.48%5.19%
Mountain Mesa5.59%8.74%

Lake Isabella Renters Insurance as a Percentage of Rent

Lake Isabella Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 240 15.0% $804
$300 to $499 310 20.0% $1254
$500 to $749 373 24.0% $1929
$750 to $999 403 26.0% $2679
$1,000 to $1,499 186 12.0% $3804

Lake Isabella, CA Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$800$1,800
Yearly Lake Isabella Homeowner Insurance Premium Example $500$300
Out of Pocket Expense During Claim$800$1,800
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $4,800$4,200
Net Savings to Lake Isabella Home Owner from High Deductible Plan $600

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

Scenario Lake Isabella, CA Home Replacement Value MORE than Home Value Lake Isabella, CA Home Replacement Value LESS than Home Value
Replacement Value $230,000 $162,000
Insurance Premium based on Replacement Value $725 $525
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $38,000 Risk Exposure from Under Insuring Coverage is $30,000
Premium Impact Insurance cheaper by $75/year Insurance costlier by $125/year

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

Insurance Company Liberty MutualState FarmAmica Mutual Insurance Company
Monthly Premium 263356
Year Built 199819751984
Home Details 2 Beds, 1 Baths3 Beds, 2 Baths4 Beds, 3 Baths
Coverage Amount $100000-$125000$200000-$250000$200000-$250000
Deductible $2500-$5000 Deductible$5000 to $10,000 Deductible$500 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1999 190,000 Metal Roof 1,870 3 $5000 to $10,000 Deductible 140 4 Wood siding No
1988 165,000 Slate Shingles Roof 1,710 3 $1000-$2500 Deductible 90 4 Stone Siding yes
1979 280,000 Metal Roof 3,280 4 $5000 to $10,000 Deductible 620 12 Wood siding yes
1978 215,000 Slate Shingles Roof 2,320 3 $2500-$5000 Deductible 120 3 Stucco siding yes
1971 295,000 Slate Shingles Roof 2,880 4 > $10,000 Deductible 160 5 Brick siding yes
1987 115,000 Shingles Roof 1,150 2 $500- $1000 Deductible 220 8 Fiber-Cement Siding yes
1972 215,000 Asphalt Shingles Roof 2,700 4 $5000 to $10,000 Deductible 60 2 Stone Siding No
1974 180,000 Tile Roof 2,300 3 $5000 to $10,000 Deductible 140 5 Stucco siding No
1973 260,000 Slate Shingles Roof 3,080 4 $5000 to $10,000 Deductible 420 10 Brick siding No
1990 235,000 Wood Shake Roof 2,370 4 $500 Deductible 380 5 Fiber-Cement Siding yes
1987 110,000 Wood Shake Roof 1,200 3 $1000-$2500 Deductible 130 6 Stone Siding yes
1976 120,000 Metal Roof 1,570 3 $500 Deductible 60 2 Vinyl siding No
1988 225,000 Membrane Roof 2,530 4 > $10,000 Deductible 230 9 Stone Siding No
1970 200,000 Asphalt Shingles Roof 2,670 4 $5000 to $10,000 Deductible 290 12 Fiber-Cement Siding No
1986 120,000 Asphalt Shingles Roof 1,290 2 $500- $1000 Deductible 230 9 Wood siding yes
1996 125,000 Wood Shake Roof 1,400 3 $500- $1000 Deductible 340 12 Vinyl siding No
1993 225,000 Slate Shingles Roof 2,040 3 > $10,000 Deductible 220 8 Wood siding No
1993 120,000 Wood Shake Roof 1,260 3 $1000-$2500 Deductible 60 2 Wood siding yes
1975 170,000 Wood Shake Roof 2,260 4 $1000-$2500 Deductible 200 7 Fiber-Cement Siding No
1990 155,000 Composition Roof 1,900 3 $500- $1000 Deductible 180 5 Stucco siding No
1973 120,000 Composition Roof 1,180 2 $500 Deductible 290 9 Brick siding No
1976 255,000 Composition Roof 2,910 4 $500 Deductible 320 5 Vinyl siding No
1996 285,000 Asphalt Shingles Roof 3,070 4 $1000-$2500 Deductible 580 12 Fiber-Cement Siding No
1973 135,000 Slate Shingles Roof 1,230 2 $500 Deductible 50 2 Stucco siding yes
1996 165,000 Membrane Roof 1,570 3 $1000-$2500 Deductible 260 7 Fiber-Cement Siding yes
1989 140,000 Tile Roof 1,610 3 $500 Deductible 210 6 Wood siding No
1982 245,000 Asphalt Shingles Roof 2,890 4 $500- $1000 Deductible 270 4 Vinyl siding No
1972 80,000 Membrane Roof 980 2 $500 Deductible 100 6 Brick siding yes
1999 135,000 Slate Shingles Roof 1,550 2 $2500-$5000 Deductible 120 4 Stone Siding yes
1999 120,000 Tile Roof 1,280 3 $2500-$5000 Deductible 20 1 Fiber-Cement Siding No
1998 235,000 Metal Roof 3,080 4 $500- $1000 Deductible 180 4 Fiber-Cement Siding yes