Murrieta, CA Home Insurance - Analysis On Quotes, Rates & Agents
Murrieta Insurance Rates:
Murrieta, CA homeowners insurance is about $522 to $708, about $43-$59/month. Our detailed research shows customers can save as much as $246 by comparing many quotes. Enter your zipcode below and click “GO” to get multiple free quotes.
Latest Home Insurance Reviews
GeicoWhen there is an issue and you cannot make a payment right away, they are usually understandable and try their best to make it work for you.
State FarmI am also not a fan of how the insurance rates. i continue to have rates that increase, despite not making any claims.
State FarmAlthough thankfully i have never had to make a claim with state farm, they would expedite the process and make it as painless as possible.
Murrieta, CA Homeowners Insurance By Home Value
| Murrieta, CA Home Value | Total Homes | % of Total | Average Murrieta, CA Homeowners Insurance |
|---|---|---|---|
| Less than $50,000 | 1,005 | 2.0% | $49 |
| $100,000 to $124,999 | 1,101 | 2.0% | $221 |
| $125,000 to $149,999 | 1,133 | 2.0% | $276 |
| $150,000 to $174,999 | 2,053 | 4.0% | $332 |
| $175,000 to $199,999 | 2,786 | 5.0% | $381 |
| $200,000 to $249,999 | 10,456 | 21.0% | $461 |
| $250,000 to $299,999 | 11,801 | 24.0% | $559 |
| $300,000 to $399,999 | 18,211 | 37.0% | $713 |
Top Home Insurance Agents Near Murrieta, CA
| Home Insurance Company Near Murrieta, CA | Homeowners Insurance Agency Near Murrieta, CA | Address |
|---|---|---|
| Allstate | Doug Moore | 7270 Victoria Park Ln Ste 3C, Rancho Cucamonga, CA, 91739 |
| Allstate | Hal Headley | 26010 McCall Blvd Ste H, Sun City, CA, 92586 |
| Allstate | John Barger | 27281 Las Ramblas Ste 105, Mission Viejo, CA, 92691 |
| Farmers | Matthew Fallesen Mba | 41707 Winchester Rd Ste 305, Temecula, CA, 92590 |
| State Farm | Mike Giblin | 6994 El Camino Real Ste 211, Carlsbad, CA, 92009-4118 |
Cost Of Homeowners Insurance By Street Near Murrieta, CA
| Streets in Murrieta Area | Homeowners Insurance Cost |
|---|---|
| Wisteria Pl, McVicar St, Canyon Rim Cir, Cll Cuero, Chameleon, Via Calidad, Felix Valdez Ave, Coopers Hawk Ct, Breezeway Pl, Koon Rd | $683 |
| Via Barranca, Carino Pl, Fresz Rd, Via Lar, Via Cavalo, Kornell St, Corte Aldalano, Shadypine, N Bear Creek Dr, Lyles Dr | $654 |
| Linda Ct, Cll Los Pericos, Saria Ct, Wild Rose Ln, Sugarcane Dr, Altanos Rd, Saratoga Springs Pl, Longfellow Ave, Sherwood St, Botanica Pl | $628 |
| Shenandoah Ct, Red Robin Rd, Corte Pavia, Fondi Ct, Laurel Glen Cir, Cam Hermosa, Albacete Ave, Savoy Ln, Country Ridge Ct, Via Bonilla | $610 |
| Iride Cir, Bellamy Ln, Corte Nina, Corte de Opalo, Winner's Cir, Buccaneer Bay Ln, Elm Pl, Willow Haven Ave, Quigley Rd, Frens Rd | $611 |
| Cornhusk Dr, Tejay Ave, de Vendome Ct, Tuscan Creek Way, Ave Bordeaux, Bridgeview Cir, Ave Castilla E, Saddlebrook St, Dugan Dr, Meadowgate Ct | $612 |
| Via Cerro Vis, Cll Arnaz, Yosemite St, Whispering Wind Ct, Stargazer Way, Hoofprint Dr, Fosse Way, Monahan Pl, Calaveras Rd, Via Candeleda | $659 |
| Serrento Dr, Pinon Pine Way, Bravos Ct, Susana Way, Horning Rd, Iris Way, Plymouth Way, Compass Cir, Almond Cir, Jenny Ln | $620 |
| Calistoga Dr, Odyssey Dr, McCabe Ct, Autumn Woods Rd, Sunbonnet Rd, Gambrel Gate Ln, Orchid Dr, Countryside Ln, Corte Soledad, Novato Way | $612 |
| Cll de la Siesta, Anglica Dr, Pheasant Pl, Bay Meadows Way, Green Harvest Ct, Mekeel Ranch Rd, Maximilian Ave, Saint Marta Dr, Balsam St, Bell Bluff Way | $659 |
Murrieta, CA Home Insurance Savings For Senior Occupied Homes
| Place | Savings For Senior Occupied Homes |
|---|---|
| Murrieta | $92 to $94 |
| Temecula | $92 |
| French Valley | $91 |
| Rainbow | $94 |
Murrieta, 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 |
|---|---|---|---|
| Temecula city, California | $92 | $123 | $185 |
| French Valley CDP, California | $92 | $122 | $183 |
| Rainbow CDP, California | $94 | $125 | $188 |
Murrieta, CA Area Home Insurance as a % of Housing Cost
| Place | Home insurance as a % of housing cost for homes with mortgage | Home insurance as a % of housing cost for homes without mortgage |
|---|---|---|
| Murrieta, CA | 2.1% | 9.6% |
| Temecula | 2.11% | 9.45% |
| French Valley | 1.98% | 8.85% |
| Rainbow | 2.2% | 8.83% |
Murrieta Renters Insurance as a Percentage of Rent
| Murrieta Home By Monthly Rent | Total Homes | % of Total | Estimated Monthly Income To Afford Rented House Including Renters Insurance |
|---|---|---|---|
| $300 to $499 | 303 | 1.0% | $1241 |
| $500 to $749 | 766 | 3.0% | $1916 |
| $750 to $999 | 2,073 | 8.0% | $2666 |
| $1,000 to $1,499 | 8,060 | 34.0% | $3791 |
| $1,500 or more | 11,730 | 50.0% | $5441 |
Average Cost Of Home Insurance By Company In Areas Nearby Murrieta For Different Scenarios
| Coverage ($) | Deductible ($) | Age of home | Company | Average homeowners insurance premium ($) |
|---|---|---|---|---|
| 150000 | 250 | New | Wawanesa | 431 |
| 150000 | 500 | New | Horace Mann | 341 |
| 200000 | 500 | New | Amco | 414 |
| 200000 | 500 | New | Western Mutual/Residence | 372 |
| 300000 | 500 | New | Century National | 680 |
| 400000 | 1000 | New | California Capital | 621 |
| 500000 | 1000 | New | American Reliable | 1176 |
| 500000 | 1000 | New | CSE Safeguard | 895 |
| 500000 | 1000 | New | Farmers (Fire Ins) | 1461 |
| 500000 | 1000 | New | Pacific Property And Casualty | 578 |
| 500000 | 2500 | New | Tokio Marine America | 775 |
| 150000 | 250 | 1-3 Years | Wawanesa | 436 |
| 200000 | 500 | 1-3 Years | MAPFRE Group | 448 |
| 250000 | 1000 | 1-3 Years | Kemper | 462 |
| 250000 | 1000 | 1-3 Years | State Farm | 629 |
| 250000 | 500 | 1-3 Years | CSE Safeguard | 622 |
| 400000 | 1000 | 1-3 Years | Century National | 907 |
| 750000 | 2500 | 1-3 Years | Amco | 1252 |
| 250000 | 1000 | 4-6 Years | Foremost Insurance | 811 |
| 250000 | 500 | 4-6 Years | Pacific Specialty | 672 |
| 400000 | 1000 | 4-6 Years | American Modern | 1219 |
| 400000 | 1000 | 4-6 Years | California Capital | 763 |
Murrieta, CA Home Insurance Costs With Deductible Scenario
| Low Deductible | High Deductible | |
|---|---|---|
| Deductible | $700 | $1,700 |
| Yearly Murrieta Homeowner Insurance Premium Example | $700 | $500 |
| Out of Pocket Expense During Claim | $700 | $1,700 |
| Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim | $6,300 | $5,700 |
| Net Savings to Murrieta Home Owner from High Deductible Plan | $600 | |
Murrieta, CA Home Insurance Costs With Home Replacement Value Scenarios
| Scenario | Murrieta, CA Home Replacement Value MORE than Home Value | Murrieta, CA Home Replacement Value LESS than Home Value |
|---|---|---|
| Replacement Value | $318,000 | $204,500 |
| Insurance Premium based on Replacement Value | $1,075 | $700 |
| Risk Exposure from Under Insuring Coverage | Unnecessary Home Insurance Coverage of $79,500 | Risk Exposure from Under Insuring Coverage is $34,000 |
| Premium Impact | Insurance cheaper by $100/year | Insurance costlier by $275/year |
Example Murrieta Homeowners Insurance Comparison Table to Compare The Cheapest Quotes
| Insurance Company | Chubb Group of Insurance | Travelers | Nationwide Insurance |
| Monthly Premium | 22 | 106 | 73 |
| Year Built | 2002 | 1990 | 2014 |
| Home Details | 3 Beds, 1 Baths | 4 Beds, 1 Baths | 5 Beds, 2 Baths |
| Coverage Amount | $175000-$200000 | $700000-$800000 | $500000-$600000 |
| Deductible | > $10,000 Deductible | > $10,000 Deductible | > $10,000 Deductible |
Sample Home Insurance Rates for Murrieta, CA from Consumer Reviews & Surveys
| Year Built | Home Value | Roof Type | Sqft | Number of Bedrooms | Deductible | Premium | Premium Months | Siding Type | Smoker/Non Smoker |
|---|---|---|---|---|---|---|---|---|---|
| 2000 | 185,000 | Shingles Roof | 1,290 | 3 | $5000 to $10,000 Deductible | 370 | 12 | Brick siding | No |
| 1997 | 310,000 | Slate Shingles Roof | 2,230 | 5 | > $10,000 Deductible | 210 | 6 | Wood siding | No |
| 2010 | 250,000 | Membrane Roof | 1,910 | 5 | $500- $1000 Deductible | 340 | 7 | Stone Siding | No |
| 2013 | 310,000 | Asphalt Shingles Roof | 1,850 | 3 | $500 Deductible | 470 | 7 | Stucco siding | No |
| 2014 | 210,000 | Membrane Roof | 1,580 | 3 | $500- $1000 Deductible | 580 | 10 | Vinyl siding | yes |
| 2008 | 330,000 | Membrane Roof | 1,870 | 3 | $500 Deductible | 710 | 8 | Wood siding | yes |
| 2003 | 535,000 | Membrane Roof | 2,930 | 4 | $500 Deductible | 900 | 10 | Brick siding | No |
| 2003 | 765,000 | Composition Roof | 4,770 | 5 | $500- $1000 Deductible | 970 | 7 | Brick siding | yes |
| 2002 | 315,000 | Membrane Roof | 2,133 | 3 | $5000 to $10,000 Deductible | 180 | 2 | Vinyl siding | yes |