Oceanside Insurance Rates:

Oceanside ,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 Oceanside, 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 Oceanside, CA is $1369. Enter your zipcode below and click “GO” to get multiple free quotes.

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Home Insurance Companies in Oceanside, CA: Customer-Reviewed Options

 

Oceanside, CA Homeowners Insurance Rates by Coverage Level

It is important to understand the different coverage options available in Oceanside, CA. VHome Insurance will help you navigate the world of homeowners insurance coverages in Oceanside, CA.

Coverage Level Average Annual Premium
$100,000 $548
$200,000 $931
$300,000 $1,150
$400,000 $1,752
$500,000 $2,204

 

Oceanside, CA Homeowners Insurance Rates by ZIP Code

Home insurance costs in Oceanside 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
092054 $1,317
92056 $1,302
92057 $1,290

 

Oceanside, CA Homeowners Insurance Deductibles

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 Oceanside, CA, and how to choose the right one for your needs.

Deductible Level Average Annual Premium
$500 Deductible $1,404
$1000 Deductible $1,255
$1500 Deductible $1,184
$2500 Deductible $1,068
$5000 Deductible $904

 

 


Top Home Insurance Agents Near Oceanside, CA

Home Insurance Company Near Oceanside, CA Homeowners Insurance Agency Near Oceanside, CA Address
Travelers Arthur J Gallagher & Co Ins Brokers Of Ca Inc 18201 Von Karman Ave Ste 200, IRVINE, CA, 92612
State Farm Matt Kelly 17870 Sky Park Cir Ste 101, Irvine, CA, 92614-6451
State Farm Ray Bello 5464 Baltimore Drive, La Mesa, CA, 91942-2074
Travelers Tutton Insurance Services Inc 2913 PULLMAN ST, SANTA ANA, CA, 92705
State Farm Vladan Trifunovic 1635 S Rcho Sta Fe Rd Ste 206, San Marcos, CA, 92078-5158

Oceanside, CA Home Insurance Agents for Top Companies

 

Oceanside, 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
Vista city, California $78 $103 $155
Carlsbad city, California $83 $111 $166
Bonsall CDP, California $83 $111 $166

 


Oceanside, 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
Oceanside, CA2.3%11.0%
Vista2.35%11.19%
Carlsbad1.88%9.17%
Bonsall1.73%7.42%

Oceanside Renters Insurance as a Percentage of Rent

Oceanside Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 319 1.0% $786
$300 to $499 348 1.0% $1236
$500 to $749 952 4.0% $1911
$750 to $999 3,223 13.0% $2661
$1,000 to $1,499 10,070 42.0% $3786
$1,500 or more 8,846 37.0% $5436

Cost Of Homeowners Insurance By Street Near Oceanside, CA

Streets in Oceanside Area Homeowners Insurance Cost
Ave Vista Labera, Partridge Ln, Genine Dr, Broken Hitch Rd, Picnic View Ln, Napoli St, S Myers St, Aztec St, Cassidy St, Debra Cir$626
Bells Dr, Monterey Dr, Columbia Dr, Westerly Ct, Candia Ct, Prado Ct, McKinley St, S Nevada St, Mesa Vista Way, Concord St$620
Celeste Dr, San Luis Rey Mission Expy, Via de la Paz, Golden Trails Way, Park Hill Rd, Sophia Way, Avery St, Krim Pl, Via Costa Rica, Macario Dr$629
Neptune Way, Pso de Brisas, Victoria Way, Oak Leaf Ct, Candice Pl, Poumele Way, Annette St, Appaloosa Way, Escala Cove, Ave de Louisa$638
Morning Dove Way, Ocean Hills Dr, Royal Tern Way, Madison St, Laguna St, Woodrail Dr, Missouri Ave, Langford St, Clydesdale Ct, Mandarin Dr$640
Soft Wind Rd, Terry St, Hollowtree Dr, Bodega Bay Way, Madrid Dr, Loretta St, Seafarer Dr, Gold Dr, Jamboree St, Sea Breeze Walk$618
Havenwood Dr, Hollins Rd, Trieste Way, San Remo Dr, Serrano St, Cam Parque, Big Sur St, Amberwood Dr, Lookout Ct, Via Maria Ave$638
Forster St, Monte Vista Way, Stiles Ct, Carmelo Dr, Pso de Dolores, Krug Ct, Tinamou Pl, Masters Dr, Osborne St, Cll Hacienda$632
Turquoise Ln, Penguin Cir, Winchester St, Broadway St, Andrews Ct, Carey Rd, Sorrento Dr, Barbara Ln, Via Astuto, Timberline Rd$620
Southgate Dr, Harbor Crest Way, Echo Pl, Southgate Ct, Nighthawk Ct, Silverwood St, Thibodo Rd, Judilyn Dr, Vera Cruz, Tyson St$631

Oceanside, CA Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Oceanside$93 to $95
Vista$93
Carlsbad$99
Bonsall$100

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

Coverage ($) Deductible ($) Age of home Company Average homeowners insurance premium ($)
200000500NewIntegon/National533
2500001000NewEncompass441
2500001000NewLiberty Ins Corp591
2500001000NewUnigard Group382
300000500NewLiberty Ins Corp669
300000500NewSafeco668
4000001000NewUnigard Group582
4000001000NewWawanesa603
5000001000NewUSAA844
5000002500NewHartford (Sentinel)739
2000005001-3 YearsHartford (Sentinel)543
2000005001-3 YearsUniversal North America396
3000005001-3 YearsAmerican Reliable766
3000005001-3 YearsCSE Safeguard686
50000010001-3 YearsOregon Mutual802
50000025001-3 YearsGrange893
75000025001-3 YearsKemper1058
75000025001-3 YearsMercury Ins Group750
1500005004-6 YearsTokio Marine America335
2000005004-6 YearsAmerican Modern692
2000005004-6 YearsAmica Mutual584
2000005004-6 YearsWawanesa401
2500005004-6 YearsCalifornia Capital550

 


Oceanside, CA Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,700$5,700
Yearly Oceanside Homeowner Insurance Premium Example $3,200$2,400
Out of Pocket Expense During Claim$1,700$5,700
Total Home Insurance Premium for 6 years + Out of Pocket Expense for Claim $20,900$20,100
Net Savings to Oceanside Home Owner from High Deductible Plan $800

 


Oceanside, CA Home Insurance Costs With Home Replacement Value Scenarios

Scenario Oceanside, CA Home Replacement Value MORE than Home Value Oceanside, CA Home Replacement Value LESS than Home Value
Replacement Value $569,000 $354,000
Insurance Premium based on Replacement Value $1,425 $875
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $94,000 Risk Exposure from Under Insuring Coverage is $121,000
Premium Impact Insurance cheaper by $300/year Insurance costlier by $250/year

 


Example Oceanside Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Amica Mutual Insurance CompanyNationwide InsuranceLiberty Mutual
Monthly Premium 923135
Year Built 198820031973
Home Details 4 Beds, 2 Baths2 Beds, 1 Baths3 Beds, 2 Baths
Coverage Amount $300000-$350000$150000-$175000$200000-$250000
Deductible $500 Deductible$1000-$2500 Deductible$5000 to $10,000 Deductible