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.
State FarmI have been with this company for years and receive very good rates. Any time that I have shopped around I have not found better rates, and when I find rates that are close the coverage is not as good as what I have.
State FarmI'll be honest, there is nothing that I dislike about this company. If I had to find something, I would say I wish my premium was lower than others.
Encompass InsuranceThey send me annual renewal and billing statements, and are otherwise silent throughout the year.
AllstateAgain, interactions with Allstate have been amazing. They are always super helpful and readily available when I need them.
MercuryI dislike that they cannot contact me back when I reach out to them ever. I don't know why they are hard to get a hold of sometimes but it’s okay
AllstateThey don't bother me much and their communications are simple which is what I like.
State FarmThe only thing that is dissatisfied with is the amount of money that it costs for my insurance policy. I know that it is not anything personal that it is company policy and determined by the area in which I live.
State Farmthere really isn't much I don't like about the company. or at least anything I can think of right now. I guess the only thing would be I would like to pay less but keep the same service lol
AllstateI do not like how the adjuster took forever and that my claim fell through the crack, that the amount I thought was needed to repair the claim wasn't paid out so we had to come out of pocket with another $1000.
AllstateThe company has been great overall. I love my home insurance. I don't have to use it very often, but when I do, they are there when I need it. The pricing is low, but not too low where I'm thinking it's too good to be true. I would suggest other people use All-State.
GeicoI like that the office was conveniently located and I seemed to get a better deal with them than I would have elsewhere. I like that it comes out of my account without thinking about it.
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 |
|---|---|---|---|---|---|---|---|---|---|
| 1998 | 285,000 | Shingles Roof | 1,810 | 4 | $500 Deductible | 500 | 7 | Stone Siding | yes |
| 2004 | 200,000 | Composition Roof | 1,550 | 3 | $500 Deductible | 70 | 2 | Stucco siding | No |
| 1992 | 315,000 | Wood Shake Roof | 2,060 | 3 | $5000 to $10,000 Deductible | 330 | 5 | Stucco siding | yes |
| 1991 | 265,000 | Slate Shingles Roof | 1,610 | 4 | $2500-$5000 Deductible | 390 | 10 | Vinyl siding | yes |
| 2005 | 635,000 | Membrane Roof | 4,200 | 5 | $5000 to $10,000 Deductible | 1080 | 12 | Stucco siding | yes |
| 1990 | 520,000 | Wood Shake Roof | 2,950 | 4 | > $10,000 Deductible | 120 | 2 | Stone Siding | No |
| 2010 | 285,000 | Composition Roof | 2,120 | 3 | $1000-$2500 Deductible | 130 | 2 | Fiber-Cement Siding | No |
| 2002 | 255,000 | Metal Roof | 1,560 | 3 | > $10,000 Deductible | 300 | 8 | Vinyl siding | No |
| 2008 | 440,000 | Shingles Roof | 2,390 | 3 | $500 Deductible | 780 | 7 | Stone Siding | No |
| 2011 | 350,000 | Slate Shingles Roof | 2,490 | 5 | $2500-$5000 Deductible | 560 | 9 | Fiber-Cement Siding | No |
| 2001 | 300,000 | Metal Roof | 1,800 | 3 | $5000 to $10,000 Deductible | 540 | 12 | Wood siding | No |
| 2014 | 195,000 | Wood Shake Roof | 1,530 | 3 | $2500-$5000 Deductible | 100 | 2 | Wood siding | No |
| 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 |