Mission Viejo ,CA Home Insurance - The cost of homeowners insurance is influenced by a range of factors, including the value of your coverage, deductible, and the construction materials used in your home.
VHome Insurance conducted a thorough analysis of the Mission Viejo, CA homeowners insurance market, taking into account factors like average costs, range of coverages, deductibles and customer satisfaction ratings to determine the best providers. The Average home insurance cost in Mission Viejo, CA is $1419. Enter your zipcode below and click “GO” to get multiple free quotes.
It is important to understand the different coverage options available in Mission Viejo, CA. VHome Insurance will help you navigate the world of homeowners insurance coverages in Mission Viejo, CA.
| Coverage Level | Average Annual Premium |
|---|---|
| $100,000 | $568 |
| $200,000 | $965 |
| $300,000 | $1,192 |
| $400,000 | $1,816 |
| $500,000 | $2,285 |
Home insurance costs in Mission Viejo can vary greatly based on location. The frequency of claims in your area can affect the cost of your policy. Simply put, the location of your home can significantly impact your homeowners insurance premium.
| Zipcode | Average Insurance Premium |
|---|---|
| 092692 | $1,350 |
| 92675 | $1,344 |
| 92691 | $1,340 |
One key aspect of your policy is the deductible, which is the amount you pay out of pocket before your insurance kicks in. Choosing the right deductible can have a major impact on your insurance premiums and overall savings. In this guide, we'll help you understand the options available for homeowners insurance deductibles in Mission Viejo, CA, and how to choose the right one for your needs.
| Deductible Level | Average Annual Premium |
|---|---|
| $500 Deductible | $1,455 |
| $1000 Deductible | $1,301 |
| $1500 Deductible | $1,227 |
| $2500 Deductible | $1,107 |
| $5000 Deductible | $937 |
| Home Insurance Company Near Mission Viejo, CA | Homeowners Insurance Agency Near Mission Viejo, CA | Address |
|---|---|---|
| State Farm | Chase Douglas | 23101 Moulton Pkwy Ste 103, Laguna Hills, CA, 92653-1234 |
| Farmers | James Mitchell | 1963 E Florida Ave, Hemet, CA, 92544 |
| Travelers | Malone-Ludwig Insurance Services Inc | 11421 Carson St., Suite P Lakewood, Long Beach, CA, 90715 |
| State Farm | Mark Beguelin | 26461 Highland Ave, Highland, CA, 92346-2102 |
| Allstate | Miguel Mitchell | 14515 Valley View Ave Ste I, Santa Fe Springs, CA, 90670 |
| Place | 1 Car Bundle Savings On Insurance | 2 Car Bundle Savings On Insurance | 3 Car Bundle Savings On Insurance |
|---|---|---|---|
| Las Flores CDP (Orange County), California | $100 | $133 | $200 |
| Coto de Caza CDP, California | $107 | $142 | $213 |
| Ladera Ranch CDP, California | $100 | $133 | $200 |
| Place | Home insurance as a % of housing cost for homes with mortgage | Home insurance as a % of housing cost for homes without mortgage |
|---|---|---|
| Mission Viejo, CA | 1.8% | 9.7% |
| Las Flores | 1.65% | 5.73% |
| Coto de Caza | 1.48% | 6.45% |
| Ladera Ranch | 1.41% | 5.55% |
| Mission Viejo Home By Monthly Rent | Total Homes | % of Total | Estimated Monthly Income To Afford Rented House Including Renters Insurance |
|---|---|---|---|
| $500 to $749 | 271 | 1.0% | $1893 |
| $750 to $999 | 561 | 3.0% | $2643 |
| $1,000 to $1,499 | 4,679 | 26.0% | $3768 |
| $1,500 or more | 11,916 | 67.0% | $5418 |
| Streets in Mission Viejo Area | Homeowners Insurance Cost |
|---|---|
| Malaga Ln, Cenajo, Via Cristobal, Joshua Dr, Papagayo Dr, Begonia Pl, Tomahawk St, Wheaton Ter, Esquina, Via Plumaso | $696 |
| Medra, Patina Ln, Palmetto Pl, Livington Pl, Daylily, Westover Cir, Bosque, Portola, Pisano St, Cordova Rd | $650 |
| Cll Estilo Nuevo, Labrusca, Village Rd, Songview, Marquette, Rosenbaum Rd, Palisades, Chestnut, Via Homes, Lanuza | $668 |
| Evening Canyon Rd, Corte Aljibe, Roneo, St Annes, Carnation, Lobelia, Patina Ln, la Roda, Lewiston Ct, Cambridge Rd | $640 |
| Perales, Santa Fe, Verdura Cir, Briarwood Ln, Strawberry Ln, Via Cancion, Lagrima, Via Nuez, Via Latigo, Raintree Ln | $660 |
| Devonshire, Dellwood, Galeria, Valpariso Dr, Rocinante, Outpost Rd, Ali Ln, Via Pamplona, Via San Gil, Evergreen Rd | $657 |
| Marino, Ganso, Tradition Ln, Ameno, Orangewood Rd, Via Clemente, Via Balsa, Michael Rd, Silverbay Dr, Minford Cir | $656 |
| Carmenita Ln, el Balazo, Valmont Way, Alcott St, Pso Nicole, Via el Rocio, Castletree, Belleza Cir, Garage Aly, Via Falda | $652 |
| Cornelius Dr, Via Rodrigo, Amurro Dr, Legacy Way, Morningstar, Ferrensby Way, Via Pimiento, Baronet, Dove Canyon Dr, Poco Pl | $595 |
| Via Halcon, Prothero, Ave de Las Banderas, Puerta de Luz, Harmony Hall Ct, Islay, Formentor, Bellogente, Sugarcane Ln, Las Nieves | $605 |
| Place | Savings For Senior Occupied Homes |
|---|---|
| Mission Viejo | $98 to $101 |
| Las Flores | $99 |
| Coto de Caza | $106 |
| Ladera Ranch | $100 |
| Coverage ($) | Deductible ($) | Age of home | Company | Average homeowners insurance premium ($) |
|---|---|---|---|---|
| 200000 | 500 | New | General Ins | 317 |
| 300000 | 500 | New | California Capital | 628 |
| 300000 | 500 | New | USAA | 660 |
| 500000 | 1000 | New | California Capital | 912 |
| 500000 | 1000 | New | State Farm | 1027 |
| 500000 | 2500 | New | Bankers Standard | 1481 |
| 750000 | 2500 | New | Amco | 1072 |
| 150000 | 500 | 1-3 Years | AIG Prop Cas | 664 |
| 150000 | 500 | 1-3 Years | Privilege Underwriters Exch | 711 |
| 200000 | 500 | 1-3 Years | American Modern | 660 |
| 200000 | 500 | 1-3 Years | Integon/National | 735 |
| 250000 | 500 | 1-3 Years | Integon/National | 833 |
| 300000 | 500 | 1-3 Years | Safeco | 903 |
| 300000 | 500 | 1-3 Years | Unigard Group | 659 |
| 500000 | 1000 | 1-3 Years | Chubb/Federal | 2201 |
| 750000 | 2500 | 1-3 Years | American Reliable | 1284 |
| 150000 | 250 | 4-6 Years | Horace Mann P & C | 385 |
| 150000 | 250 | 4-6 Years | Tokio Marine America | 324 |
| 150000 | 500 | 4-6 Years | Horace Mann P & C | 385 |
| 150000 | 500 | 4-6 Years | Nationwide | 557 |
| 150000 | 500 | 4-6 Years | Wawanesa | 346 |
| 250000 | 1000 | 4-6 Years | Kemper | 693 |
| Low Deductible | High Deductible | |
|---|---|---|
| Deductible | $1,500 | $3,500 |
| Yearly Mission Viejo Homeowner Insurance Premium Example | $1,900 | $1,500 |
| Out of Pocket Expense During Claim | $1,500 | $3,500 |
| Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim | $16,700 | $15,500 |
| Net Savings to Mission Viejo Home Owner from High Deductible Plan | $1,200 | |
| Scenario | Mission Viejo, CA Home Replacement Value MORE than Home Value | Mission Viejo, CA Home Replacement Value LESS than Home Value |
|---|---|---|
| Replacement Value | $842,000 | $518,000 |
| Insurance Premium based on Replacement Value | $2,525 | $1,550 |
| Risk Exposure from Under Insuring Coverage | Unnecessary Home Insurance Coverage of $129,500 | Risk Exposure from Under Insuring Coverage is $194,500 |
| Premium Impact | Insurance cheaper by $575/year | Insurance costlier by $400/year |
| Insurance Company | Liberty Mutual | GEICO Insurance | Nationwide Insurance |
| Monthly Premium | 61 | 70 | 69 |
| Year Built | 1995 | 2003 | 2012 |
| Home Details | 3 Beds, 1 Baths | 4 Beds, 3 Baths | 5 Beds, 2 Baths |
| Coverage Amount | $250000-$300000 | $350000-$400000 | $400000-$500000 |
| Deductible | $500- $1000 Deductible | $1000-$2500 Deductible | $5000 to $10,000 Deductible |