Lakewood, CA Home Insurance - Analysis On Quotes, Rates & Agents

Lakewood, CA Insurance Rates:

The average cost of home insurance in the U.S. is $1,438. But, the cost of home insurance in a specific region depends on various factors including Zip Code, age, and value of the house, construction time, etc. The average cost of insurance in Lakewood, CA is $1479 Enter your Zip Code in the banner below to get instant home insurance quotes. vHomeInsurance undertook a detailed analysis of the cost of insurance in Lakewood, CA.

Compare Quotes from Top Providers and Save now!



Average Home Insurance Premium in Lakewood, CA

National Average Premium State Average Premium Lakewood Average Premium
$1,438 $1,291 $1,479

Top Home Insurance Companies in Lakewood, CA | Back to Top

The following is a list of home insurance companies that provide the best home insurance quotes in Lakewood, CA

Company Name Coverage $70,000 Coverage $150,000 Coverage $200,000 Coverage $350,000
Farmers $810 $1,293 $1,337 $1,723
California Casualty $634 $835 $906 $1,118
Chubb $1,337 $2,067 $2,381 $2,847
Travelers $599 $709 $950 $1,094
Homesite $888 $1,103 $1,368 $1,571

Lakewood, CA Homeowners Insurance for Different Coverages | Back to Top

Coverage Type Home Insurance Cost($)
$100,000 To $124,999 285.04
$150,000 To $174,999 417.85
$175,000 To $199,999 535.31
$200,000 To $249,999 594.61
$250,000 To $299,999 916.22
$300,000 To $399,999 1,223.88
$400,000 To $499,999 1,569.11
$500,000 To $749,999 2,008.47
$750,000 To $999,999 2,322.29
$1000,000 To $1499,999 2,557.66
$1500,000 To $2000,000 2,745.95

Visual Guide for Lakewood, CA Home Insurance Buyers on Insurance Companies and Rates

Top Home Insurance Agents Near Lakewood, CA | Back to Top

Home Insurance Company Near Lakewood, CA Homeowners Insurance Agency Near Lakewood, CA Address
Travelers Alberto Tandoc Insurance Agency Inc 23517 S MAIN ST STE 117, CARSON, CA, 90745
State Farm Jon Shepherd 912 E Union St, Pasadena, CA, 91106-1717
Travelers Kcal Insurance Agency 2048 S HACIENDA BLVD, HACIENDA HEIGHTS, CA, 91745
Farmers Richard Valdriz 2725 Candlewood St Ste A, Lakewood, CA, 90712
State Farm Sharon Leung 18004 Sky Park Cir Ste 250, Irvine, CA, 92614-6494

List of Lakewood, CA Home Insurance Agents by Companies


Lakewood, CA Homeowners Insurance Rates Based on Claims Filed | Back to Top

Homeowners in Lakewood, CA who have no previous history of claims filed are eligible for a discount of $177.48. Homeowners in Lakewood, CA with one claim have to pay an additional home insurance rate of $89, while homeowners with 2 claims have to pay an additional $177 on their home insurance premium.

Type of Claim Homeowners Insurance Cost Increase/Decrease($) Homeowners Insurance Cost($)
No Claim Discount -177 1,302
One Claim +89 1,568
Two Claim +177 1,656


Lakewood, CA Homeowners Insurance by Zip Code | Back to Top

Zip Code Median Home Value($) Home Insurance Cost($)
90713 446,600 1,498
90712 432,000 1,405
90715 373,700 1,497

Factors Affecting Home Insurance Premiums in Lakewood, CA

The average home insurance premium in Lakewood, CA is $1479. There are various factors in Lakewood, CA that affect home insurance premiums. vHome Insurance lists the factors that could help homeowners reduce their home insurance rates.

Lakewood, CA Home Insurance Premium Based on the Number of Bedrooms | Back to Top

Bedroom Size Average Homeowners Insurance Cost($)
2 Bedroom 571
3 Bedroom 1,070
4 Bedroom 1,640
5 Bedroom 2,425

Lakewood, CA Home Insurance Premiums for Different Deductibles | Back to Top

Lakewood, CA Homeowners who pay a deductible of $500 pay a higher amount for home insurance, while Lakewood, CA homeowners who pay a deductible as high as $2500 pay a lower amount on their home insurance rates, as seen in the table below.

Deductible Type Average Homeowners Insurance Cost($)
$500 Deductible 1,461
$1000 Deductible 1,322
$1500 Deductible 1,244
$2000 Deductible 1,130
$2500 Deductible 1,062

Lakewood, CA Homeowners Insurance Premium Based on the Age of the Home | Back to Top

Homeowners in Lakewood, CA pay a much lower home insurance rate if their homes are newly constructed. Homeowners with homes that are older than 50 years pay a much higher rate on their home insurance premium as seen in the table below.

Home Age Homeowners Insurance Cost($)
Newly Constructed Home 1,139
Year 30 Old 1,501
Year 40 Old 1,517
Year 50 Old 1,535
Above Year 50 1,550

Lakewood, CA Homeowners Insurance Cost Based on the Construction Type of the Home | Back to Top

Construction Type Home Insurance Cost Savings($) Home Insurance Cost($)
Fire Resistive 148 1,331
Masonry 74 1,405
Brick 74 1,405
Superior 133 1,346
Hail Resistant Roof 30 1,449

Top Saving Tips on Lakewood, CA Homeowners Insurance | Back to Top

Homes that are built using sturdy materials have less propensity to damage. Owing to this, Lakewood, CA homes built with sturdy materials earn discounts on homeowners insurance. Lakewood, CA homeowners who have clubbed their auto insurance policy with home insurance also receive discounts from home insurance companies. Apart from this, home insurers provide discounts to Lakewood, CA senior citizens. Lakewood, CA homes attract a considerable amount of discounts depending on the type of home safety devices installed in the household.

The tables below contain the complete list of discounts that Lakewood, CA homeowners can avail to increase their savings.

Lakewood, CA Auto & Homeowners Insurance Bundling Discounts and Senior Citizen Discounts

Discount Type Home Insurance Cost Savings($) Home Insurance Cost($)
Bundle Discount 237 1,242
Retiree Discount (Senior Citizen Discount) 207 1,686
Newly Constructed Home 340 1,139

Lakewood, CA Home Insurance Discounts for Home Safety Devices | Back to Top

Home Safety Devices Home Insurance Cost Savings($) Home Insurance Cost($)
Deadbolts 163 1,316
Fire Extinguishers 118 1,361
Smoke Detectors 133 1,346
Sprinkler System 148 1,331
Fire Alarm 74 1,405
Burglar Alarm 133 1,346
Lightning Protection 44 1,435

Latest Home Insurance Reviews

Progressive
It is one of the largest insurance company in th U.S and has compeetitive rates lots of positive reviews, fast claim process
Allstate
Definately,The company premium and deductible of policy compared to the other home insurance company.
Liberty Mutual
I like my experience on that company that has great benefits and other methods to choose from. I like it very much.
Allied Insurance
This company has been great and we've never had any issues in the 17 years I've been a policyholder.
Allstate
We would recommend our home insurance company because they have served us right. We have not had any issues or complaints. We were taken care of when we needed it most.
State Farm
I have been to the location several times and it sits on a well-groomed lot and always smells nice and is very neat and organized.
State Farm
Another thing i do not like about state farm insurance is the receptionists working there. they all seem to need further training.
State Farm
The process of renewing policies is super easy. our local agent works with us to see what bundles and/or discounts work for us. i do wish there were more discounts, but they try their best.
Farmer's Insurance
It is cheap and covers my costs if something happens to my house.
American Home Insurance
strong claim support and value-added services.Cover notes are issued within hours of request. This documentation is sufficient for any contractual requirement.
Travelers
It is very user-friendly easy to use and you can contact live ops
Nationwide
I have not compared my insurance to any other policies in several years. I assume that the deductibles and premiums are comparable, but I don't actually know that.