Rancho Cucamonga ,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 Rancho Cucamonga, 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 Rancho Cucamonga, CA is $1365. Enter your zipcode below and click “GO” to get multiple free quotes.
It is important to understand the different coverage options available in Rancho Cucamonga, CA. VHome Insurance will help you navigate the world of homeowners insurance coverages in Rancho Cucamonga, CA.
| Coverage Level | Average Annual Premium |
|---|---|
| $100,000 | $546 |
| $200,000 | $928 |
| $300,000 | $1,147 |
| $400,000 | $1,747 |
| $500,000 | $2,198 |
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 Rancho Cucamonga, CA, and how to choose the right one for your needs.
| Deductible Level | Average Annual Premium |
|---|---|
| $500 Deductible | $1,400 |
| $1000 Deductible | $1,252 |
| $1500 Deductible | $1,181 |
| $2500 Deductible | $1,065 |
| $5000 Deductible | $901 |
| Home Insurance Company Near Rancho Cucamonga, CA | Homeowners Insurance Agency Near Rancho Cucamonga, CA | Address |
|---|---|---|
| NA | Livermore & Associates, Inc. & H.C.F. Of A., Llc. | 9570 Center Ave Rancho Cucamonga, Rancho Cucamonga, CA, 91730 |
| Travelers | California Insurance Specialists | 400 N TUSTIN AVE STE 425, SANTA ANA, CA, 92705 |
| Liberty Mutual | Chris Lyell | 222 N. Sepulveda Blvd Ste 2330, El Segundo, CA, 90245 |
| State Farm | Larry Gerst | 22730 Hawthorne Blvd Ste 200, Torrance, CA, 90505-3690 |
| State Farm | Tritia To | 1112 S Atlantic Blvd, Monterey Park, CA, 91754-4704 |
| Place | 1 Car Bundle Savings On Insurance | 2 Car Bundle Savings On Insurance | 3 Car Bundle Savings On Insurance |
|---|---|---|---|
| Upland city, California | $95 | $126 | $189 |
| San Antonio Heights CDP, California | $98 | $131 | $197 |
| Fontana city, California | $91 | $121 | $182 |
| Place | Home insurance as a % of housing cost for homes with mortgage | Home insurance as a % of housing cost for homes without mortgage |
|---|---|---|
| Rancho Cucamonga, CA | 2.1% | 10.0% |
| Upland | 2.27% | 11.29% |
| San Antonio Heights | 1.73% | 10.8% |
| Fontana | 2.38% | 13.32% |
| Rancho Cucamonga Home By Monthly Rent | Total Homes | % of Total | Estimated Monthly Income To Afford Rented House Including Renters Insurance |
|---|---|---|---|
| $500 to $749 | 761 | 4.0% | $1910 |
| $750 to $999 | 1,730 | 9.0% | $2660 |
| $1,000 to $1,499 | 7,219 | 39.0% | $3785 |
| $1,500 or more | 8,243 | 45.0% | $5435 |
| Streets in Rancho Cucamonga Area | Homeowners Insurance Cost |
|---|---|
| Reagan Dr, Ridgecrest Dr, Culpepper St, San Marino Dr, Bungalow Way, Mt Baldy Rd E, Ave Leon, Clearspring Ln, Crawford Pl, Square Top Ln | $616 |
| Banyan Ct, Pear Ct, Sunset Trail Pl, Palmi Dr, Via Serena, Finch Ave, Los Olivos Pl, Stone Mountain Pl, Coventry Ct, Valle Vista Ct | $637 |
| Falling Tree Ln, Appellation Dr, Colonbero Rd, Amethyst Way, Parkhill Dr, Heather Brook Pl, Warwick Ct, Henry St, Blackfoot Ct, Miriam Way | $619 |
| Roma Pl, Reid Ave, la Gloria Dr, Shaded Wood Ct, Sun Meadow Ct, Napa Valley Dr, Bridle Pl, Monaco Dr, Comiso Way, Via Serena | $625 |
| Skylark Ave, Gilfillan Dr, Clover Pl, Serena Pl, Arlington Way, Bayberry Rd, Cultural Center Dr, Cleghorn Ct, Buttonwood Ct, Mayberry Ave | $616 |
| Bally Ct, Shenandoah Dr, Crestridge Ct, Oak Tree Pl, Sherwood Dr, Bobolink Dr, Middle Fork Dr, Brilliant Ln, Whirlaway St, Mount Wilson Ln | $629 |
| Chula Vista Ct, Harvard St, Northview Dr, Dunmore Pl, Norfolk Dr, Grays Peak Way, Brandywine Pl, Carriage Trails Ct, Dry Creek Dr, Dona Way | $630 |
| Sharon Ct, Sparkling Dr, Sappada Pl, Sand Creek Ct, Turtle Bay Pl, Weeping Willow Ct, Delphin Pl, Cameo St, Cumberland Ct, Zapata Pl | $616 |
| Morning Canyon Way, Belleview Rd, Carriage Rd, Norwick St, Scott Dr, Royal Crest Pl, Muscat Pl, Fillmore Way, Cam Predera, Mount Palomar St | $620 |
| Lawson Peak Way, Monte Vista Ct, Alameda Ave, Humbolt Ave, Apple Ln, Oakwood Pl, Broken Star Ct, Pepperdine Dr, Davis Ranch Rd, Horse Thief Pl | $620 |
| Place | Savings For Senior Occupied Homes |
|---|---|
| Rancho Cucamonga | $93 to $96 |
| Upland | $95 |
| San Antonio Heights | $98 |
| Fontana | $91 |
| Coverage ($) | Deductible ($) | Age of home | Company | Average homeowners insurance premium ($) |
|---|---|---|---|---|
| 250000 | 1000 | New | Privilege Underwriters Exch | 1058 |
| 300000 | 500 | New | Foremost Insurance | 1105 |
| 400000 | 1000 | New | California Capital | 769 |
| 500000 | 2500 | New | Amica Mutual | 1113 |
| 750000 | 2500 | New | Horace Mann | 1500 |
| 200000 | 500 | 1-3 Years | Chubb/Federal | 1039 |
| 250000 | 1000 | 1-3 Years | Chubb/Federal | 1151 |
| 250000 | 500 | 1-3 Years | Kemper | 741 |
| 300000 | 500 | 1-3 Years | AAA (Interinsurance Exchange) | 573 |
| 300000 | 500 | 1-3 Years | General Ins | 527 |
| 750000 | 2500 | 1-3 Years | California Capital | 1267 |
| 750000 | 2500 | 1-3 Years | Unigard Group | 1793 |
| 200000 | 500 | 4-6 Years | AAA (Interinsurance Exchange) | 464 |
| 400000 | 1000 | 4-6 Years | CSE Safeguard | 1035 |
| 500000 | 1000 | 4-6 Years | Liberty Ins Corp | 1092 |
| 500000 | 2500 | 4-6 Years | MAPFRE Group | 1005 |
| 750000 | 2500 | 4-6 Years | American Security | 2507 |
| 150000 | 250 | 7-15 Years | First American Ins | 565 |
| 200000 | 500 | 7-15 Years | Farmers (Fire Ins) | 957 |
| 250000 | 500 | 7-15 Years | Kemper | 994 |
| 300000 | 500 | 7-15 Years | Universal North America | 790 |
| 300000 | 500 | 7-15 Years | Western Mutual/Residence | 831 |
| 750000 | 2500 | 7-15 Years | Nationwide | 1999 |
| Low Deductible | High Deductible | |
|---|---|---|
| Deductible | $800 | $2,800 |
| Yearly Rancho Cucamonga Homeowner Insurance Premium Example | $1,000 | $500 |
| Out of Pocket Expense During Claim | $800 | $2,800 |
| Total Home Insurance Premium for 5 years + Out of Pocket Expense for Claim | $5,800 | $5,300 |
| Net Savings to Rancho Cucamonga Home Owner from High Deductible Plan | $500 | |
| Scenario | Rancho Cucamonga, CA Home Replacement Value MORE than Home Value | Rancho Cucamonga, CA Home Replacement Value LESS than Home Value |
|---|---|---|
| Replacement Value | $457,000 | $268,500 |
| Insurance Premium based on Replacement Value | $1,450 | $850 |
| Risk Exposure from Under Insuring Coverage | Unnecessary Home Insurance Coverage of $94,000 | Risk Exposure from Under Insuring Coverage is $94,500 |
| Premium Impact | Insurance cheaper by $300/year | Insurance costlier by $300/year |
| Insurance Company | GEICO Insurance | State Farm | Nationwide Insurance |
| Monthly Premium | 92 | 115 | 66 |
| Year Built | 1991 | 2010 | 2001 |
| Home Details | 5 Beds, 4 Baths | 4 Beds, 1 Baths | 3 Beds, 1 Baths |
| Coverage Amount | $500000-$600000 | $600000-$700000 | $500000-$600000 |
| Deductible | $5000 to $10,000 Deductible | $2500-$5000 Deductible | > $10,000 Deductible |