Oceanside Insurance Rates:

Oceanside, CA homeowners insurance is approximately $530 to $718, about $44-$59/month. Our in depth research shows customers can save as much as $249 by comparing many quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

Allstate
This home insurance company has a tendency to charge higher monthly payments when the deductible amount has not been met
Allied Insurance
I think they have a great staff and employees. since i have a number of policies, i deal with them more than most, knowing them on a first name basis, and inviting them to parties. i have found them all to be warm and friendly, and willing to help. i think they genuinely care.
State Farm
I am thrilled with the products and the service. The communication I have had with State Farm is amazing. They have really made the process very easy and simple.
Farmer's Insurance
The website and app are well laid out. I like them to use for my information
Mercury
Great insurance. Our backyard fence was blown down by a heavy storm last winter. We filed a report. Mercury Insurance managed to settle our claims fast and efficient.
Progressive
I like all the discounts that Progressive has to offer. I also do not mind calling and talking to a person if I have to. Sometimes when you have to call a company they are rude and it's difficult to understand what they are saying.
Nationwide
Very satisfied they are very knowledgeable and very good at explaining any questions that may arise over our policies. They also make suggestions on other products that may interest us
Liberty Mutual
The speed and quality of all services I've received from my company are top notches. I've never had to wait long or worry about a claim being approved. Liberty Mutual has always done great work for me.
State Farm
I don't really have anything negative to say about our company. Maybe our policy could be less expensive because we don't make a lot of claims and haven't had any problems with our car or house.
Mercury
I've been a Mercury Insurance customer for 13 years in a row now. I have always heard of how insurance companies rip people off etc.. Claims processing has never been an issue and they have always been very prompt.
Farmer's Insurance
The only thing I don't like is their website and app. It takes a long time to load.
Geico
I guess I could complain that they don't have offices everywhere but calling and going online is just as convenient if not more so.

Oceanside, CA Homeowners Insurance By Home Value

Oceanside, CA Home Value Total Homes % of Total Average Oceanside, CA Homeowners Insurance
Less than $50,000 1,078 5.0% $43
$50,000 to $59,999 363 1.0% $87
$70,000 to $79,999 293 1.0% $131
$80,000 to $89,999 242 1.0% $143
$100,000 to $124,999 504 2.0% $187
$125,000 to $149,999 577 2.0% $237
$150,000 to $174,999 1,382 6.0% $280
$175,000 to $199,999 861 4.0% $324
$200,000 to $249,999 2,701 13.0% $393
$250,000 to $299,999 3,347 16.0% $480
$300,000 to $399,999 9,027 43.0% $611

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

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

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

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

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
2008 710,000 Metal Roof 4,520 5 $2500-$5000 Deductible 1330 12 Brick siding No
1986 605,000 Composition Roof 3,090 4 $500- $1000 Deductible 1690 10 Stucco siding yes
1999 540,000 Composition Roof 2,700 4 $2500-$5000 Deductible 1040 8 Fiber-Cement Siding yes
1977 395,000 Asphalt Shingles Roof 2,040 4 $500- $1000 Deductible 310 3 Wood siding No
1985 380,000 Slate Shingles Roof 2,160 3 $5000 to $10,000 Deductible 280 5 Vinyl siding No
1976 535,000 Wood Shake Roof 2,860 4 $2500-$5000 Deductible 230 2 Stucco siding No
1981 550,000 Membrane Roof 3,220 4 > $10,000 Deductible 150 2 Wood siding No
1980 350,000 Shingles Roof 2,380 3 $500 Deductible 90 1 Fiber-Cement Siding No
1997 390,000 Metal Roof 2,060 3 $5000 to $10,000 Deductible 740 12 Brick siding No
2001 315,000 Slate Shingles Roof 1,800 4 $1000-$2500 Deductible 130 2 Fiber-Cement Siding No
2007 450,000 Wood Shake Roof 2,200 3 $500 Deductible 1430 12 Wood siding No
1971 625,000 Slate Shingles Roof 3,280 4 $5000 to $10,000 Deductible 980 12 Brick siding No
2008 180,000 Membrane Roof 1,020 2 $5000 to $10,000 Deductible 360 10 Vinyl siding No
2000 220,000 Composition Roof 1,280 3 $5000 to $10,000 Deductible 200 6 Vinyl siding yes
2000 355,000 Tile Roof 2,460 4 $1000-$2500 Deductible 570 10 Brick siding yes
1971 365,000 Tile Roof 1,870 4 $5000 to $10,000 Deductible 650 9 Wood siding No
1979 160,000 Wood Shake Roof 980 2 $2500-$5000 Deductible 200 9 Stucco siding No
1992 455,000 Slate Shingles Roof 2,500 4 $2500-$5000 Deductible 400 5 Fiber-Cement Siding No
1978 275,000 Slate Shingles Roof 1,300 2 > $10,000 Deductible 280 6 Stone Siding No
2002 775,000 Asphalt Shingles Roof 4,160 5 > $10,000 Deductible 150 1 Stone Siding No
1972 205,000 Composition Roof 1,340 3 > $10,000 Deductible 140 4 Stucco siding No
1973 435,000 Wood Shake Roof 1,250 2 > $10,000 Deductible 1050 5 Brick siding No