Pasadena ,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 Pasadena, 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 Pasadena, CA is $1461. Enter your zipcode below and click “GO” to get multiple free quotes.
It is important to understand the different coverage options available in Pasadena, CA. VHome Insurance will help you navigate the world of homeowners insurance coverages in Pasadena, CA.
| Coverage Level | Average Annual Premium |
|---|---|
| $100,000 | $584 |
| $200,000 | $993 |
| $300,000 | $1,227 |
| $400,000 | $1,870 |
| $500,000 | $2,352 |
Home insurance costs in Pasadena 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 |
|---|---|
| 091105 | $1,466 |
| 91107 | $1,377 |
| 91104 | $1,359 |
| 91106 | $1,354 |
| 91103 | $1,347 |
| 91101 | $1,309 |
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 Pasadena, CA, and how to choose the right one for your needs.
| Deductible Level | Average Annual Premium |
|---|---|
| $500 Deductible | $1,498 |
| $1000 Deductible | $1,340 |
| $1500 Deductible | $1,264 |
| $2500 Deductible | $1,140 |
| $5000 Deductible | $964 |
| Home Insurance Company Near Pasadena, CA | Homeowners Insurance Agency Near Pasadena, CA | Address |
|---|---|---|
| Travelers | Lloyd S Berkett Insurance Agency Inc | 11150 W OLYMPIC BLVD STE 1100, LOS ANGELES, CA, 90064 |
| State Farm | Lou Grande | 2741 Hamner Ave Ste 107, Norco, CA, 92860-3629 |
| State Farm | Monty Snyder | 17929 Magnolia St, Fountain Vly, CA, 92708-5040 |
| Travelers | Partner Agency Insurance Services Inc | 975 W IMPERIAL HWY STE 100, BREA, CA, 92821 |
| State Farm | Roy Jefferson | 115 S Chaparral Ct Ste 250, Anaheim, CA, 92808-2289 |
| Place | 1 Car Bundle Savings On Insurance | 2 Car Bundle Savings On Insurance | 3 Car Bundle Savings On Insurance |
|---|---|---|---|
| Altadena CDP, California | $99 | $132 | $198 |
| San Pasqual CDP, California | $101 | $134 | $201 |
| San Marino city, California | $109 | $145 | $218 |
| Place | Home insurance as a % of housing cost for homes with mortgage | Home insurance as a % of housing cost for homes without mortgage |
|---|---|---|
| Pasadena, CA | 1.9% | 9.4% |
| Altadena | 2.07% | 11.48% |
| San Pasqual | 1.73% | 11.69% |
| San Marino | 1.51% | 6.05% |
| Pasadena Home By Monthly Rent | Total Homes | % of Total | Estimated Monthly Income To Afford Rented House Including Renters Insurance |
|---|---|---|---|
| $200 to $299 | 988 | 2.0% | $757 |
| $300 to $499 | 950 | 2.0% | $1207 |
| $500 to $749 | 1,533 | 3.0% | $1882 |
| $750 to $999 | 5,571 | 12.0% | $2632 |
| $1,000 to $1,499 | 17,169 | 39.0% | $3757 |
| $1,500 or more | 16,974 | 39.0% | $5407 |
| Streets in Pasadena Area | Homeowners Insurance Cost |
|---|---|
| Market Aly, Brandon St, Crown Ave, Chelsea Rd, Calanda Ave, Waldo Ave, Continental Ct, Somerset Pl, Rim Rd, Mound Ave | $644 |
| Newton Aly, Fairfield Cir, Electric Dr, Fletcher Ave, Whitefield Rd, Northaven Ln, Morgan Aly, Wapello St, Beacon Pl, Warwick Rd | $687 |
| Betts Aly, Woodlyn Rd, Milford St, Startouch Dr, Oakwood Pl, Elmwood Dr, Inverness Dr, Walton Oaks Ln, Briartree Dr, McNally Ave | $650 |
| Wiladonda Dr, Rollin St, Glendon Way, N Hanning Ave, Locksley Dr, Creekside Ct, N Toltec Way, N Martelo Ave, Lynnhaven Ln, E Terrace St | $None |
| Wright Ave, Oxford Rd, Orchard Ln, Lofield Ct, la Senda Pl, New Haven Rd, San Marcos Dr, N Vinedo Ave, Rubio St, Armada Dr | $718 |
| Grace Ter, Echo Glen Dr, Berendo St, Doresta Rd, Herr Aly, Ave 64, Elma Rd, Chester Ave, N Harding Ave, Highland Aly | $686 |
| Union St, Rockland Pl, Los Olivos Ln, Tonia Ave, Elgin Aly, E Ave 61, Raymond Dr, Lura St, Meadow Grove St, Angeles Crest Hwy | $None |
| Rockdell St, Blanche St, N Dominion Ave, W Poppyfields Dr, S Arroyo Pkwy, N Wilson Ave, la Granada Way, Glendon Ct, Emerson Way, W Altadena Dr | $655 |
| W la Canada Verdugo Rd, Tenhaeff Aly, Kaweah Dr, Kewen Dr, Hermosa Rd, Willis Aly, Avonrea Rd, N Carmelo Ave, N Luna Ct, Annandale Rd | $700 |
| Terrill Ave, Rose Villa St, W Coolidge Dr, Ontario Ave, Pizzo Ranch Rd, Veranada Ave, Veranada Ave, S Berkeley Ave, Patrician Way, Merendino Ln | $None |
| Place | Savings For Senior Occupied Homes |
|---|---|
| Pasadena | $101 to $104 |
| Altadena | $99 |
| San Pasqual | $100 |
| San Marino | $109 |
| Coverage ($) | Deductible ($) | Age of home | Company | Average homeowners insurance premium ($) |
|---|---|---|---|---|
| 150000 | 250 | 26-40 Years | California Casualty | 643 |
| 150000 | 500 | New | Unigard Group | 697 |
| 150000 | 500 | New | USAA | 301 |
| 150000 | 500 | New | Western Mutual/Residence | 591 |
| 150000 | 500 | 4-6 Years | AIG Prop Cas | 961 |
| 150000 | 500 | 26-40 Years | California Capital | 610 |
| 150000 | 500 | 26-40 Years | Pacific Specialty | 604 |
| 200000 | 500 | New | Universal North America | 320 |
| 200000 | 500 | 1-3 Years | Travelers | 477 |
| 200000 | 500 | 7-15 Years | Metropolitan Direct | 672 |
| 200000 | 500 | 7-15 Years | Privilege Underwriters Exch | 2703 |
| 200000 | 500 | 7-15 Years | Stillwater Ins Co | 662 |
| 200000 | 500 | 16-25 Years | American Security | 1054 |
| 250000 | 1000 | New | USAA | 432 |
| 250000 | 1000 | 1-3 Years | Bankers Standard | 2924 |
| 250000 | 1000 | 1-3 Years | Homesite | 784 |
| 250000 | 1000 | 4-6 Years | Horace Mann | 753 |
| 250000 | 1000 | 7-15 Years | MAPFRE Group | 866 |
| 250000 | 1000 | 16-25 Years | AIG Prop Cas | 1564 |
| 250000 | 1000 | 41-70 Years | Nationwide | 895 |
| 250000 | 500 | New | Horace Mann | 705 |
| Low Deductible | High Deductible | |
|---|---|---|
| Deductible | $1,400 | $3,400 |
| Yearly Pasadena Homeowner Insurance Premium Example | $2,800 | $2,300 |
| Out of Pocket Expense During Claim | $1,400 | $3,400 |
| Total Home Insurance Premium for 5 years + Out of Pocket Expense for Claim | $15,400 | $14,900 |
| Net Savings to Pasadena Home Owner from High Deductible Plan | $500 | |
| Scenario | Pasadena, CA Home Replacement Value MORE than Home Value | Pasadena, CA Home Replacement Value LESS than Home Value |
|---|---|---|
| Replacement Value | $1,084,000 | $771,500 |
| Insurance Premium based on Replacement Value | $2,600 | $1,850 |
| Risk Exposure from Under Insuring Coverage | Unnecessary Home Insurance Coverage of $95,500 | Risk Exposure from Under Insuring Coverage is $217,000 |
| Premium Impact | Insurance cheaper by $525/year | Insurance costlier by $225/year |
| Insurance Company | Chubb Group of Insurance | Allstate | Farmers Insurance |
| Monthly Premium | 232 | 127 | 43 |
| Year Built | 1960 | 1940 | 1970 |
| Home Details | 4 Beds, 3 Baths | 3 Beds, 2 Baths | 2 Beds, 1 Baths |
| Coverage Amount | More than 10000000 | $600000-$700000 | $250000-$300000 |
| Deductible | $500- $1000 Deductible | $500- $1000 Deductible | $5000 to $10,000 Deductible |