Lancaster Insurance Rates:

Lancaster, CA homeowners insurance is nearly $505 to $685, about $42-$57/month. Our all inclusive research shows customers can save as much as $238 by getting different 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
I recommend them because of the price and because of the customer service that comes with it
State Farm
I would highly recommend State Farm home insurance to other people. But I would also recommend that they shop around with other major carriers to find the best coverage and prices on their own.
I would recommend Esurance to someone if they are tech savvy and know a little about insurance. Insurance is very complicated and some people do need the help of a broker.
My premium and deductable are adequate compared to other companies based on conversations I've had with some of my friends. Sometimes theirs is a little cheaper.
Customer service has been great. They have been very responsive to email when I have questions and go above and beyond to help.
State Farm
Premium and deductible on my policy seems to be fair for my coverage and home type. While I do not like the fact that premiums often rise, I think the deductible is still an amount that I am comfortable with.
Liberty Mutual
The annual premium that I pay through Liberty Mutual is acceptable. While it is cheaper then my previous company, I have the same limits of coverage just not little things like coverage of food kept in a deep freezer.
The process for the loan is very easy here,and also compare than other insurance companies they are having better security policies for the consumers
Mapfre Insurance
Mapre have been excellent to us. We bundled our auto and renters’ insurance smoothly and the process of choosing the right level of insurance for us was clear and easy.
I am middle of the road with my insurance company. The biggest problems that I have with them is the overwhelmingly long hold times and no one ever seems to know the answers to my questions so I am always transferred repeatedly.
they are a bit over priced and the agents have attitudes. Customer service could be better.
Farmer's Insurance
Currently, our monthly home insurance premium for our new home is cheaper than our car and health insurance.
State Farm
I am not given any information about ways to save money on my insurance or protect myself from new threats that could be developing in the area.
State Farm
We get a small town vibe with our agents. they are always in the community, participating in local events and are visibly "seen".
There is nothing that I have seen or experienced to this day that I am dissatisfied about with my insurance company
State Farm
I don't like the app because I have to enter my ID and password on every occurrence. Instead of login ID and Password, if they provide access to a pin number or fingerprint ID the whole process will be awesome.
It is easy to use and very easy to navigate. I like being able to find what I need without searching around for it
It is very easy to get a live agent on the phone if I am having trouble on the website or need extra assistance.
State Farm
The website is very user-friendly along with the app. Navigation is easy on both. Making payments is simple as well as looking up coverages.
State Farm
Farmer's Insurance
I have no issues with my company at all. They take care of everything that I need when I need it. my agent is always willing to talk and looks out for us in the way of discounts
On the website, I am able to quickly log in to my account and view all of the details at a glance. I can print insurance cards for my car and view my detailed policy documents. This often saves me time because I can review the information myself without having to go through my agent.
I like the company so far, but we have only owned our home for less than a year, therefore, we haven't filed any claims.
The Hartford
The company is a nationally known company. Our agent handles many different types of insurance companies, and he seems to be most confident in the one we have.
Liberty Mutual
The company seems to be acceptable for an insurance company. They offer great benefits for clients that don't have to use them as often.
I would recommend them even though they are expensive for home policies if you do not have this insurance through your employer it is very difficult to pay for
State Farm
They have great customer service and provide bundled discounts. I have yet to make any claims, but the process when reviewing a possible claim went well. They have good communication and aren't too pushy on product offerings.
Farmer's Insurance
I have had Farmers Insurance every since I started having insurance and would recommend it to anyone. They have always paid promptly when I had a claim.
Our premium is the lowest we found, which is great. Our deductible was the amount we expected and was comparable with other companies.
The Hartford
The company is one for everything it offers and with what it allows you to keep safe
State Farm
I like that the rates are at least average and that they are the most local agency to me.
I guess they could be more advisory, especially to someone who really does not know how to make a claim.

Lancaster, CA Homeowners Insurance By Home Value

Lancaster, CA Home Value Total Homes % of Total Average Lancaster, CA Homeowners Insurance
Less than $50,000 2,459 9.0% $83
$50,000 to $59,999 323 1.0% $178
$60,000 to $69,999 334 1.0% $220
$70,000 to $79,999 780 2.0% $249
$80,000 to $89,999 956 3.0% $285
$90,000 to $99,999 970 3.0% $321
$100,000 to $124,999 2,986 11.0% $368
$125,000 to $149,999 2,624 9.0% $464
$150,000 to $174,999 2,924 10.0% $547
$175,000 to $199,999 2,407 8.0% $636
$200,000 to $249,999 3,862 14.0% $761
$250,000 to $299,999 3,113 11.0% $934
$300,000 to $399,999 3,146 11.0% $1190

Top Home Insurance Agents Near Lancaster, CA

Home Insurance Company Near Lancaster, CA Homeowners Insurance Agency Near Lancaster, CA Address
Travelers Caspian Insurance Services Inc 4523 VAN NUYS BLVD STE 200, SHERMAN OAKS, CA, 91403
Allstate Charlie Viado 2313 W Burbank Blvd, Burbank, CA, 91506
State Farm Deedee Townsend 43803 15th St W, Lancaster, CA, 93534-4756
State Farm Leslie York 19524 Nordhoff St Ste 8A, Northridge, CA, 91324-2436
State Farm Mitch Wood 3015 Mount Pinos Way Suite 202, Frazier Park, CA, 93225

Lancaster, CA Home Insurance Agents for Top Companies

Cost Of Homeowners Insurance By Street Near Lancaster, CA

Streets in Lancaster Area Homeowners Insurance Cost
Camolin Ave, 105th St W, Glad Way, 65th St W, Trevor Ave, Woodstone Ln, 58th St W, W Ave N4, Colony Dr, W Dale Dr$604
W Ave K 10, Berkshire St, 46th St E, W Ave B-2, Calandri Ln, Bend Ave, Glenn Ct, York Pl, E Ave E-4, 97th St W$595
E Ave H10, Karen Dr, Ave M-12, Trafalgar Dr, E Ave H-13, Lauterbach St, Legends Way, W Ave F8, Gibson Ct, Westfield Dr$589
W Ave K 6, E Ivyton St, E Lingard St, E Ave K 6, Estrella Ln, Spur Ave, Cam del Sur, Balmont St, Ave K-7, Halcom Ave$599
Jamaica Ct, W Ave O8, 75th St W, E Ave H7, Janet Dr, Sunswept Cir, Round Hill Dr, Cambridge Ct, 67th St W, Fenhold St$605
W Ave D10, Nicobar St, Carolside Ave, Samra Ave, W Ave J 2, Paloma Ct, Merryvale Ln, 21st St E, Curve Cir, 16th St W$585
Brandon Thomas Way, W Ave A4, E Ave J 10, Cll Californios, Sondi Dr, 85th St W, Cactus Dr, W Ave J 15, W Ave K9, Pelona Vista Dr$606
Stratford St, Ave K-14, E Ave F 8, Hanstead Ave, Corkwood Ave, W Ave A14, Regents St, Forry St, el Domingo Cir, Homestead St E$594
Tropez Dr, E Ave J-8, W Ave E-8, Vireo Dr, Trojan Ct, Petro Pl, Brianna Ave, Loneoak Ave, E Ave H-13, Sawgrass$607
Encelia Ln, Sandhurst Ln, Valiant St, E Ave J 14, Silver Puffs Dr, E Ave K2, 3rd St W, W Ave M-5, Fairbanks Ave, 58th St W$608

Lancaster, CA Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Lancaster$89 to $91
North Antelope Valley$89
Quartz Hill$90
Leona Valley$95

Lancaster, 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
North Antelope Valley CCD, Los Angeles County, California $74 $99 $148
Quartz Hill CDP, California $75 $100 $150
Desert View Highlands CDP, California $75 $99 $149

Lancaster, 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
Lancaster, CA2.8%11.0%
North Antelope Valley2.8%11.19%
Quartz Hill2.7%11.3%
Desert View Highlands2.71%14.83%

Lancaster Renters Insurance as a Percentage of Rent

Lancaster Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 531 3.0% $802
$300 to $499 730 4.0% $1252
$500 to $749 1,867 10.0% $1927
$750 to $999 4,428 25.0% $2677
$1,000 to $1,499 5,845 33.0% $3802
$1,500 or more 4,049 23.0% $5452

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

Coverage ($) Deductible ($) Age of home Company Average homeowners insurance premium ($)
250000500NewAAA (Interinsurance Exchange)385
300000500NewAmerican Security793
4000001000NewIDS Property Casualty970
25000010001-3 YearsMetropolitan Direct982
1500005004-6 YearsAmerican Reliable575
25000010004-6 YearsAIG Prop Cas1593
25000010004-6 YearsCSE Safeguard919
25000010004-6 YearsIDS Property Casualty779
2500005004-6 YearsHorace Mann P & C693
3000005004-6 YearsPrivilege Underwriters Exch4120
3000005004-6 YearsSafeco1144
75000025004-6 YearsMetropolitan Direct2822
1500002507-15 YearsOregon Mutual842
1500005007-15 YearsWawanesa529
25000010007-15 YearsAmica Mutual836
25000010007-15 YearsEncompass1205
25000010007-15 YearsIDS Property Casualty918

Lancaster, CA Home Insurance Costs With Home Replacement Value Scenarios

Scenario Lancaster, CA Home Replacement Value MORE than Home Value Lancaster, CA Home Replacement Value LESS than Home Value
Replacement Value $ $
Insurance Premium based on Replacement Value $ $
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $ Risk Exposure from Under Insuring Coverage is $
Premium Impact Insurance cheaper by $/year Insurance costlier by $/year

Sample Home Insurance Rates for Lancaster, 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 270,000 Tile Roof 2,360 4 $500- $1000 Deductible 340 8 Fiber-Cement Siding No
1984 155,000 Shingles Roof 1,400 3 $500 Deductible 260 6 Brick siding yes
1999 320,000 Composition Roof 3,550 5 $1000-$2500 Deductible 350 5 Stucco siding yes
2007 170,000 Slate Shingles Roof 1,900 3 $500 Deductible 110 3 Brick siding No
2000 305,000 Shingles Roof 2,950 5 $500- $1000 Deductible 570 7 Wood siding yes
2008 195,000 Slate Shingles Roof 1,850 3 $2500-$5000 Deductible 50 2 Wood siding No
2012 165,000 Composition Roof 2,010 4 $5000 to $10,000 Deductible 160 5 Stone Siding No
1989 145,000 Wood Shake Roof 1,400 3 $500 Deductible 110 3 Fiber-Cement Siding No
1992 175,000 Slate Shingles Roof 1,860 3 $2500-$5000 Deductible 120 4 Vinyl siding No
1987 475,000 Composition Roof 4,450 5 > $10,000 Deductible 170 2 Wood siding No
1981 265,000 Metal Roof 2,450 4 $1000-$2500 Deductible 220 5 Vinyl siding No
2011 195,000 Shingles Roof 2,150 4 $500 Deductible 270 5 Fiber-Cement Siding No
1989 175,000 Membrane Roof 2,100 4 $5000 to $10,000 Deductible 230 9 Fiber-Cement Siding yes
2014 350,000 Slate Shingles Roof 2,950 5 $500 Deductible 480 7 Wood siding No
1966 280,000 Tile Roof 2,300 4 $500- $1000 Deductible 260 4 Wood siding No
2003 485,000 Tile Roof 4,020 5 $5000 to $10,000 Deductible 290 4 Brick siding No
2014 480,000 Wood Shake Roof 4,500 5 $500 Deductible 1280 10 Fiber-Cement Siding yes
2002 130,000 Shingles Roof 1,370 3 $1000-$2500 Deductible 270 10 Brick siding yes
1980 155,000 Metal Roof 1,850 4 $2500-$5000 Deductible 180 8 Vinyl siding No
1962 325,000 Asphalt Shingles Roof 3,300 4 $2500-$5000 Deductible 740 12 Vinyl siding No
1987 265,000 Tile Roof 3,060 5 > $10,000 Deductible 410 9 Fiber-Cement Siding yes
1960 425,000 Shingles Roof 4,490 5 $1000-$2500 Deductible 110 1 Vinyl siding No
1966 280,000 Slate Shingles Roof 2,670 5 > $10,000 Deductible 280 8 Vinyl siding yes
1985 320,000 Tile Roof 2,760 4 $500- $1000 Deductible 1130 12 Brick siding yes
2000 350,000 Composition Roof 3,430 5 $2500-$5000 Deductible 270 5 Brick siding No
2004 225,000 Shingles Roof 2,340 4 > $10,000 Deductible 400 12 Vinyl siding No
1994 255,000 Membrane Roof 2,270 3 > $10,000 Deductible 100 3 Stucco siding No
1992 145,000 Membrane Roof 1,620 5 $500- $1000 Deductible 270 8 Stone Siding No
1986 230,000 Tile Roof 2,250 3 $500- $1000 Deductible 740 12 Stucco siding No
1991 320,000 Tile Roof 3,320 4 $2500-$5000 Deductible 70 1 Stone Siding No
2008 160,000 Shingles Roof 1,480 2 $2500-$5000 Deductible 470 10 Stucco siding yes

How To Make Your Lancaster, CA Home Insurance Cheaper

How Much Does Lancaster, CA Home Insurance Cost?