National City Insurance Rates:

National City, CA homeowners insurance is roughly $519 to $705, about $43-$58/month. Our all inclusive research indicates shoppers can save as much as $244 by getting multiple quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

State Farm
I think State Farm's customer service is great. I think they are very friendly, however, they are pricey.
State Farm
We have all 3 of our cars insured with State Farm. They bundle everything together so we can have a discount for multiple cars.
Geico
I would say that the deductibles are similar to those of other home insurance policies. It is the monthly fee that is less in comparison to what others are providing.
State Farm
I would recommend my insurance agency. They have great customer service as well as what premiums that are offered, Some of the agencies in my area are not as flexible.
Geico
I am actually not sure what my deductible is but I am happy with the terms of my policy and think that it is fair.
Allstate
We have had all state insure our home for the last 6 years. what i like most about them is that they are a well established insurance company and very reliable.
State Farm
I do not like the customer service that is provided on the phone. if i have to call after hours or submit a claim the hold times are too long and it is not clear when or with whom i should speak.
State Farm
State farm allows you to bundle your auto and life insurance with your existing home policy. this allows the customer to deal with the same representative for all of their needs.
Progressive
I like that the website made it very easy to sign up for insurance when I had to do it the first time. Since I signed up I generally only need it every six months to pay my auto insurance - the home insurance payment is automatic with my mortgage bill.
Metlife
MetLife is easy to work with. I have done everything online or over the phone. One thing I would like is a local office if ever needed, but they make it pretty easy via email and website interaction if needed.
State Farm
I think my premium is very good compared to what I would likely get with other companies. I think it is right on the average of what others offer since I have shopped around in the past and decided to stay
Allstate
The premium for our new house dropped significantly when we moved 1 year ago. We get substantial discounts by combining car insurance as well as homeowners. Other insurance companies are higher and I don't know if I can trust them.
Progressive
My premiums are fair when the circumstances are considered. However, I feel all homeowner's insurance premiums are high. This company's rates are no better or worse than others.
State Farm
My home insurance company's policy offerings are good when compared to other insurance providers. They give me the coverage I need for a decent price.

National City, CA Homeowners Insurance By Home Value

National City, CA Home Value Total Homes % of Total Average National City, CA Homeowners Insurance
Less than $50,000 316 7.0% $48
$70,000 to $79,999 75 1.0% $159
$90,000 to $99,999 47 1.0% $201
$100,000 to $124,999 54 1.0% $238
$125,000 to $149,999 134 3.0% $293
$150,000 to $174,999 321 7.0% $348
$175,000 to $199,999 284 6.0% $403
$200,000 to $249,999 885 19.0% $489
$250,000 to $299,999 917 20.0% $593
$300,000 to $399,999 1,364 30.0% $758

Top Home Insurance Agents Near National City, CA

Home Insurance Company Near National City, CA Homeowners Insurance Agency Near National City, CA Address
Allstate Beau Breese 3650 Ocean Ranch Blvd, Oceanside, CA, 92056
GEICO Dawn Grant 711 Center Drive, Suite 103, San Marcos, CA, 92069
Travelers Hartley Cylke Pacific Insurance Services 2747 UNIVERSITY AVE, SAN DIEGO, CA, 92104
State Farm Jesse Dix 904 W San Marcos Blvd Ste 3, San Marcos, CA, 92078-1118
Liberty Mutual Marcelle J Bauch 9325 Sky Park Ct. Ste 200, San Diego, CA, 92123

National City, CA Home Insurance Agents for Top Companies


Cost Of Homeowners Insurance By Street Near National City, CA

Streets in National City Area Homeowners Insurance Cost
Callejon St, Tapa Ln, Gaviota Ct, Blueridge St, Casa Verde Ct, Casa Bonita Dr, Lydia St, N T Ave, E 23rd St, Evergreen Rd$638
Stancrest Ln, S Kenton Ave, S U Ave, Cll Arriba, Romega Ct, W 24th St, O Ave, Kellie Ct, Butternut Hollow Ln, E 20th St$648
Verde Vw, Kennelworth Ln, Plz Paolo, Cherry Blossom St, W 30th St, Gardenia Way, W 15th St, Bay Marina Dr, Pray St, Rae Pl$641
W 16th St, Doral Way, E 1st St, Ridgeway Dr, Fig Ct, S Harbison Ave, Salot St, Meadow Dr, Wallace Dr, Fairlomas Rd$643
W 33rd St, Newberry St, Keen Dr, Buttercup Ln, Casa Pl, Roselawn St, Balsamina Dr, Haffley Ave, E 19th St, Tidelands Ave$603

National City, CA Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
National City$91 to $94
Coronado$109
Bonita$97
Chula Vista$93

National City, 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
Coronado city, California $91 $121 $181
Bonita CDP, California $81 $108 $162
Chula Vista city, California $78 $104 $156

National City, 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
National City, CA2.7%15.3%
Coronado1.77%9.19%
Bonita1.98%9.85%
Chula Vista2.03%13.01%

National City Renters Insurance as a Percentage of Rent

National City Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 113 1.0% $343
$200 to $299 406 4.0% $793
$300 to $499 585 6.0% $1243
$500 to $749 1,170 12.0% $1918
$750 to $999 3,302 33.0% $2668
$1,000 to $1,499 3,077 31.0% $3793
$1,500 or more 1,071 11.0% $5443

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

Coverage ($) Deductible ($) Age of home Company Average homeowners insurance premium ($)
200000500NewHartford (Sentinel)548
2500001000NewAmerican Reliable699
4000001000NewAmerican Modern1277
5000002500NewGrange838
1500005001-3 YearsIntegon/National401
2500005001-3 YearsBankers Standard1706
2500005001-3 YearsHomesite742
2500005001-3 YearsStillwater Ins Co530
50000010001-3 YearsFirst American Ins890
50000010001-3 YearsGeneral Ins649
50000010001-3 YearsMercury Ins Group504
75000025001-3 YearsEncompass1487
1500005004-6 YearsQBE (Balboa)500
25000010004-6 YearsGrange643
25000010004-6 YearsKemper598
2500005004-6 YearsSafeco750
40000010004-6 YearsGrange987
40000010004-6 YearsOregon Mutual828
75000025004-6 YearsBankers Standard2319
25000010007-15 YearsIntegon/National681
2500005007-15 YearsKemper795
2500005007-15 YearsMercury Ins Group550
2500005007-15 YearsOregon Mutual793
40000010007-15 YearsWestern Mutual/Residence855

National City, CA Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,100$2,100
Yearly National City Homeowner Insurance Premium Example $700$500
Out of Pocket Expense During Claim$1,100$2,100
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $6,700$6,100
Net Savings to National City Home Owner from High Deductible Plan $600

National City, CA Home Insurance Costs With Home Replacement Value Scenarios

Scenario National City, CA Home Replacement Value MORE than Home Value National City, CA Home Replacement Value LESS than Home Value
Replacement Value $381,500 $224,500
Insurance Premium based on Replacement Value $950 $550
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $83,000 Risk Exposure from Under Insuring Coverage is $74,000
Premium Impact Insurance cheaper by $175/year Insurance costlier by $225/year

Example National City Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Liberty MutualFarmers InsuranceTravelers
Monthly Premium 303759
Year Built 197119861957
Home Details 2 Beds, 1 Baths3 Beds, 2 Baths4 Beds, 1 Baths
Coverage Amount $125000-$150000$250000-$300000$300000-$350000
Deductible $500 Deductible$5000 to $10,000 Deductible$5000 to $10,000 Deductible

Sample Home Insurance Rates for National City, CA from Consumer Reviews & Surveys

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1991 205,000 Slate Shingles Roof 1,570 2 $500 Deductible 120 2 Brick siding No
1955 245,000 Membrane Roof 1,400 3 > $10,000 Deductible 180 5 Vinyl siding yes
1990 125,000 Tile Roof 950 2 $500 Deductible 180 5 Stucco siding yes
1985 275,000 Membrane Roof 2,230 4 $5000 to $10,000 Deductible 400 12 Stucco siding No
1989 215,000 Wood Shake Roof 1,540 2 $500 Deductible 580 10 Stone Siding yes
1962 345,000 Tile Roof 2,160 4 $2500-$5000 Deductible 380 6 Stucco siding yes
1958 160,000 Tile Roof 1,250 2 $500- $1000 Deductible 40 1 Stone Siding No
1988 230,000 Tile Roof 1,510 3 $1000-$2500 Deductible 110 2 Wood siding No
1964 225,000 Wood Shake Roof 1,610 2 $5000 to $10,000 Deductible 70 2 Fiber-Cement Siding yes
1952 235,000 Shingles Roof 1,750 3 $5000 to $10,000 Deductible 200 4 Fiber-Cement Siding yes
1967 205,000 Asphalt Shingles Roof 1,720 2 $5000 to $10,000 Deductible 50 2 Brick siding No
1961 335,000 Wood Shake Roof 2,000 4 $500 Deductible 90 1 Stone Siding yes
1967 200,000 Tile Roof 1,330 3 $1000-$2500 Deductible 620 12 Vinyl siding yes
1952 320,000 Composition Roof 2,160 4 $500 Deductible 160 2 Stucco siding yes
1982 245,000 Shingles Roof 1,990 4 $500- $1000 Deductible 160 3 Wood siding yes
1984 355,000 Wood Shake Roof 2,240 4 $1000-$2500 Deductible 200 3 Stone Siding No
1994 240,000 Asphalt Shingles Roof 1,860 3 $2500-$5000 Deductible 60 1 Brick siding yes
1952 150,000 Tile Roof 920 2 $500- $1000 Deductible 370 7 Vinyl siding No
1974 260,000 Asphalt Shingles Roof 1,590 3 $2500-$5000 Deductible 570 10 Stucco siding yes
1963 460,000 Membrane Roof 2,640 4 $5000 to $10,000 Deductible 730 9 Stone Siding No
1999 440,000 Membrane Roof 2,680 4 $500- $1000 Deductible 640 8 Stone Siding No
1952 315,000 Membrane Roof 1,830 4 $5000 to $10,000 Deductible 460 8 Wood siding No
1962 390,000 Asphalt Shingles Roof 3,190 4 $2500-$5000 Deductible 500 7 Brick siding No
1956 240,000 Membrane Roof 1,440 3 $2500-$5000 Deductible 190 6 Vinyl siding yes
1958 270,000 Membrane Roof 1,680 4 $1000-$2500 Deductible 410 9 Fiber-Cement Siding yes
1978 245,000 Wood Shake Roof 1,650 4 $2500-$5000 Deductible 50 1 Vinyl siding yes
1954 170,000 Composition Roof 1,260 3 $2500-$5000 Deductible 80 2 Brick siding No
1965 275,000 Tile Roof 2,220 3 > $10,000 Deductible 30 1 Vinyl siding No
1987 200,000 Metal Roof 1,410 3 $500 Deductible 80 2 Vinyl siding No
1955 225,000 Membrane Roof 1,670 2 $500- $1000 Deductible 460 10 Wood siding No
1991 360,000 Slate Shingles Roof 2,440 4 $1000-$2500 Deductible 370 5 Vinyl siding yes
1966 145,000 Membrane Roof 1,130 2 $1000-$2500 Deductible 210 8 Fiber-Cement Siding yes
1996 295,000 Wood Shake Roof 2,000 4 $500 Deductible 390 5 Brick siding yes
1959 445,000 Metal Roof 2,770 4 $1000-$2500 Deductible 1010 8 Fiber-Cement Siding yes

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