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.
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 |
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 |
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 |
| Home Insurance Company Near Oceanside, CA | Homeowners Insurance Agency Near Oceanside, CA | Address |
|---|---|---|
| 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 |
| Travelers | Arthur J Gallagher & Co Ins Brokers Of Ca Inc | 18201 Von Karman Ave Ste 200, IRVINE, CA, 92612 |
| 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 |
| Place | Home insurance as a % of housing cost for homes with mortgage | Home insurance as a % of housing cost for homes without mortgage |
|---|---|---|
| Oceanside, CA | 2.3% | 11.0% |
| Vista | 2.35% | 11.19% |
| Carlsbad | 1.88% | 9.17% |
| Bonsall | 1.73% | 7.42% |
| 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 |
| 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 |
| Place | Savings For Senior Occupied Homes |
|---|---|
| Oceanside | $93 to $95 |
| Vista | $93 |
| Carlsbad | $99 |
| Bonsall | $100 |
| Coverage ($) | Deductible ($) | Age of home | Company | Average homeowners insurance premium ($) |
|---|---|---|---|---|
| 200000 | 500 | New | Integon/National | 533 |
| 250000 | 1000 | New | Encompass | 441 |
| 250000 | 1000 | New | Liberty Ins Corp | 591 |
| 250000 | 1000 | New | Unigard Group | 382 |
| 300000 | 500 | New | Liberty Ins Corp | 669 |
| 300000 | 500 | New | Safeco | 668 |
| 400000 | 1000 | New | Unigard Group | 582 |
| 400000 | 1000 | New | Wawanesa | 603 |
| 500000 | 1000 | New | USAA | 844 |
| 500000 | 2500 | New | Hartford (Sentinel) | 739 |
| 200000 | 500 | 1-3 Years | Hartford (Sentinel) | 543 |
| 200000 | 500 | 1-3 Years | Universal North America | 396 |
| 300000 | 500 | 1-3 Years | American Reliable | 766 |
| 300000 | 500 | 1-3 Years | CSE Safeguard | 686 |
| 500000 | 1000 | 1-3 Years | Oregon Mutual | 802 |
| 500000 | 2500 | 1-3 Years | Grange | 893 |
| 750000 | 2500 | 1-3 Years | Kemper | 1058 |
| 750000 | 2500 | 1-3 Years | Mercury Ins Group | 750 |
| 150000 | 500 | 4-6 Years | Tokio Marine America | 335 |
| 200000 | 500 | 4-6 Years | American Modern | 692 |
| 200000 | 500 | 4-6 Years | Amica Mutual | 584 |
| 200000 | 500 | 4-6 Years | Wawanesa | 401 |
| 250000 | 500 | 4-6 Years | California Capital | 550 |
| Low Deductible | High 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 | |
| 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 |
| Insurance Company | Amica Mutual Insurance Company | Nationwide Insurance | Liberty Mutual |
| Monthly Premium | 92 | 31 | 35 |
| Year Built | 1988 | 2003 | 1973 |
| Home Details | 4 Beds, 2 Baths | 2 Beds, 1 Baths | 3 Beds, 2 Baths |
| Coverage Amount | $300000-$350000 | $150000-$175000 | $200000-$250000 |
| Deductible | $500 Deductible | $1000-$2500 Deductible | $5000 to $10,000 Deductible |