Riverside Insurance Rates:

Riverside, CA homeowners insurance is about $515 to $695, about $42-$57/month. Our exhaustive research indicates shoppers can save upto $242 by comparing many quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Best Homeowners Insurance in Riverside, CA

The average cost of homeowners insurance in Riverside, CA, is $795. Homeowners insurance in Riverside will protect you in the event of a disaster, theft, or during any other unexpected situation. It is a great way to protect your family and your most valuable assets. Homeowners insurance in Riverside, CA, will cover the cost of repairs and damages, even if a member is injured on your covered property.

Factors like the type of construction, age of home, your area of residence, and the amount of coverage can affect your home insurance rates in Riverside, CA. For example, the location of your house. It plays a crucial part in determining the cost of your home insurance in Riverside, California. If you live in a high–risk area where crime rates are high, insurance providers will charge high premiums as the potential risks of threats and damage is severe. In order to reduce the risks, homeowners can install safety features to get discounts on home insurance in Riverside, CA.

Here are a few tips which can help you get a discount on home owner insurance in Riverside, CA.

a. By choosing a higher deductible

Home insurance deductibles are the amount you pay out of pocket towards a claim. Therefore, the higher your deductible, the lower premiums you pay towards your home insurance in Riverside, CA. For example, homeowners paying a deductible of 500 and 1500 pay a premium of $785.46 and $668.91 on homeowners insurance in Riverside, CA. In contrast, homeowners paying a deductible of 2000 and 2500 pay $607.22 and $570.81, respectively.

b. By installing security features

Security features can get you substantial discounts on home insurance in Riverside as it decreases the chances of damage, theft, fire, or burglary. For example, burglars know to break into the security system, but the chances of burglary or theft will decrease by installing deadbolts at home. These locks will prevent most people from kicking in your door, and they might even slow burglars down, which is very risky for them. Homes equipped with deadbolts pay $707.55 on homeowners insurance in Riverside, CA.


c. By maintaining a zero claims history

It might be highly irresistible to file a claim if your home is suffering minor damages. However, it may not be worth the trouble since your insurer might increase the home insurance rates. Instead, homeowners can consider paying out of their pockets for nominal damages. This way, homeowners can save themselves from facing high premiums and keep the claim for a significant repair or damage to the home. For example, homeowners in Riverside, CA, with zero claims history, have to pay a premium of $683.7. In contrast, homeowners with one or two claims have to pay $858.6 and $898.35 on homeowners insurance in Riverside, CA.

Riverside, CA, Tips For Choosing The Best Home Insurance Company

In Riverside, California, the average cost of home insurance is $795. Riverside homeowners can identify the cheapest home insurance provider by comparing quotes from multiple insurance companies. Below are some of the factors that Riverside homeowners should keep in mind before choosing the best home insurance company.


A.M. Best Rating

Financial strength is referred to as the capacity of an insurance company to grant claims of current policyholders. Riverside homeowners are suggested to opt for home insurance companies with high financial strength ratings. A.M. Best rates home insurance companies based on their financial strength. Riverside homeowners can use these ratings to identify home insurance companies with high financial capacity.

J.D. Power Score

J.D. Power awards ratings to home insurance companies based on the feedback collected from current policyholders. The customer satisfaction score of an insurance company is calculated using policy coverage, insurance rates, discounts, customer handling, and the speed at which a claim is processed. Riverside homeowners can use the J.D. Power Score to choose insurance companies that ensure the satisfaction of policyholders.

Comparing Quotes

Home insurance companies use different parameters to calculate home insurance rates. Home insurance quotes differ from one insurance company to another. Riverside homeowners should receive quotes from multiple home insurance companies to choose the cheapest one. Homeowners should also consider the add-on policies offered by home insurance companies, in addition to the standard home insurance policy.

Deductibles vs. Insurance Rates

Riverside homeowners can opt for high deductibles to reduce their home insurance rates. The deductibles and the corresponding reduction in home insurance rates differ from one home insurance company to another. Riverside homeowners are suggested to choose the home insurance company that offers the highest discount for their deductibles. For example, Riverside homeowners opting for a deductible of $2,500 and $2,000 pay $570 and $607, respectively.

Claims Processing Speed

Home insurance companies should be swift in processing the claims of homeowners. Homeowners are generally given a time period of 10 to 30 days to file a claim in case of damages. Once submitted, home insurance companies take a maximum of 40 days to review the claim and accept or deny it. Riverside homeowners are suggested to choose home insurance companies that have a simple and swift claims processing system.

Riverside, CA Homeowners Insurance By Home Value

Riverside, CA Home Value Total Homes % of Total Average Riverside, CA Homeowners Insurance
Less than $50,000 2,719 4.0% $60
$80,000 to $89,999 731 1.0% $211
$90,000 to $99,999 887 1.0% $242
$100,000 to $124,999 4,322 6.0% $278
$125,000 to $149,999 4,982 7.0% $350
$150,000 to $174,999 8,314 12.0% $411
$175,000 to $199,999 6,112 9.0% $477
$200,000 to $249,999 12,880 19.0% $574
$250,000 to $299,999 9,535 14.0% $701
$300,000 to $399,999 14,494 21.0% $889

Top Home Insurance Agents Near Riverside, CA

Home Insurance Company Near Riverside, CA Homeowners Insurance Agency Near Riverside, CA Address
State Farm Eddie Quillares Jr 415 N Broadway, Santa Ana, CA, 92701-4656
Travelers Friant Insurance Agency Inc 23152 VERDUGO DRIVE SUITE A, LAGUNA HILLS, CA, 92653
State Farm Ken Latourette 1032 Irvine Blvd, Tustin, CA, 92780-3527
Travelers Living Stone Ins Services Inc 1930 S BREA CANYON RD 115, DIAMOND BAR, CA, 91765
Farmers Todd Dailey 29930 Hunter Rd Ste 104, Murrieta, CA, 92563

Riverside, CA Home Insurance Agents for Top Companies

Cost Of Homeowners Insurance By Street Near Riverside, CA

Streets in Riverside Area Homeowners Insurance Cost
Saint James Dr, Strasbourg Dr, Hackamore Pl, Heron Ln, Rolanda Dr, Mt Wasatch Dr, Copper Hill Run, Mural Ct, Merrygrove Cir, Northhampton Dr$591
Shady Ridge Cir, Sovereign Way, Boulder Bluffs, Hyde Park Cir, Nemaha Ct, Sierra Mesa Cir, Dean Way, Ransom Pl, Teaberry Rd, Dalcross Ct$593
Caspian Way, Thornhill Dr, River Briar Ct, Rowena Dr, Freda Ave, Tinker St, Laurelbrook Dr, Corinthian Way, Torrey St, Chinotto Ln$620
Marley Dr, David Pl, Bedford Dr, Agatha Ln, Arnold Blvd, Quebec Dr, Hines Ave, Skye Dr, Wallingham Dr, Valley Glen Cir$601
Wimpole St, Ranchwood Pl, Hatten Ln, Bluntleaf Ct, Clifton Blvd, Hillcrest Ave, Melbourne Pl, Hide Out Ct, Sugarloaf Dr, Maybrook Cir$594
Falcon Crest Dr, Spring Rd, Newbridge Dr, Lewis Ave, Lilac Ct, Leafwood Dr, Graeber St, Penny Dr, Onyx Way, Canyon Hill Dr$632
City College Dr, Chestnut St, Attica Dr, Morningview Dr, Dartmouth Ave, Sterling Ave, Blake Rd, Melville Dr, Glennel Dr, Alta Mesa Dr$620
Martha Way, New Mexico Dr, Stacey Ave, Kingsbury Pl, Leucadia Ln, Marilyn St, E Cadena Dr, Katrina Ct, Cody Ct, Bernard St$603
Harbart Dr, Dawn View Cir, Madrid Ct, Black Oak Pl, Carmine St, Brentwood Ln, Rochester Pl, Pembridge Dr, McAllister St, Beal Ave$599
Cameron Dr, Roja St, Prosperity Ln, Via Mindi, Creekmoor Ln, Ann Arbor Ct, Juniper Cir, Running Deer Rd, Delgado Ct, Glenview Ter$606

Riverside, CA Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Riverside$90 to $92
March ARB$91
Moreno Valley$89

Riverside, 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
Woodcrest CDP, California $93 $124 $186
Highgrove CDP, California $91 $121 $182
Grand Terrace city, California $91 $121 $182

Riverside, 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
Riverside, CA2.7%12.2%
Grand Terrace2.57%11.6%

Riverside Renters Insurance as a Percentage of Rent

Riverside Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 714 1.0% $797
$300 to $499 1,432 2.0% $1247
$500 to $749 3,694 7.0% $1922
$750 to $999 12,658 24.0% $2672
$1,000 to $1,499 21,443 40.0% $3797
$1,500 or more 12,210 23.0% $5447

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

Coverage ($) Deductible ($) Age of home Company Average homeowners insurance premium ($)
150000500NewAmerican Reliable451
2500001000NewCalifornia Capital445
5000001000NewAmerican Reliable1176
5000001000NewFarmers (Fire Ins)1157
5000001000NewFirst American Ins905
7500002500NewCentury National1243
25000010001-3 YearsAmerican Security697
2500005001-3 YearsCSE Safeguard654
2500005001-3 YearsFirst American Ins605
2500005001-3 YearsWawanesa658
2500005001-3 YearsWestern Mutual/Residence553
3000005001-3 YearsChubb/Federal1497
50000010001-3 YearsAmerican Security1382
50000010001-3 YearsTokio Marine America892
50000025001-3 YearsHorace Mann941
1500002504-6 YearsLiberty Ins Corp589
1500005004-6 YearsChubb/Federal867
25000010004-6 YearsAmica Mutual697
2500005004-6 YearsQBE (Balboa)673
40000010004-6 YearsHomesite1104
40000010004-6 YearsHorace Mann1036

Riverside, CA Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Yearly Riverside Homeowner Insurance Premium Example $600$400
Out of Pocket Expense During Claim$1,000$2,000
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $5,800$5,200
Net Savings to Riverside Home Owner from High Deductible Plan $600

Riverside, CA Home Insurance Costs With Home Replacement Value Scenarios

Scenario Riverside, CA Home Replacement Value MORE than Home Value Riverside, CA Home Replacement Value LESS than Home Value
Replacement Value $299,000 $205,500
Insurance Premium based on Replacement Value $775 $525
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $28,000 Risk Exposure from Under Insuring Coverage is $65,500
Premium Impact Insurance cheaper by $175/year Insurance costlier by $75/year

Example Riverside Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company TravelersFarmers InsuranceState Farm
Monthly Premium 523363
Year Built 198120011964
Home Details 3 Beds, 2 Baths5 Beds, 4 Baths4 Beds, 3 Baths
Coverage Amount $200000-$250000$150000-$175000$300000-$350000
Deductible $1000-$2500 Deductible$2500-$5000 Deductible$5000 to $10,000 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1973 215,000 Metal Roof 1,670 4 $500 Deductible 540 10 Stucco siding yes
1967 145,000 Asphalt Shingles Roof 1,240 3 $500- $1000 Deductible 160 5 Vinyl siding No
2014 290,000 Shingles Roof 2,080 4 $5000 to $10,000 Deductible 40 1 Stone Siding yes
2004 545,000 Metal Roof 4,440 5 > $10,000 Deductible 310 4 Stucco siding No
2014 280,000 Tile Roof 2,250 4 $500 Deductible 90 1 Stucco siding yes
1977 145,000 Wood Shake Roof 1,280 3 $1000-$2500 Deductible 240 9 Wood siding No
1960 100,000 Membrane Roof 980 2 $500- $1000 Deductible 260 12 Brick siding yes
2007 190,000 Asphalt Shingles Roof 1,240 3 $1000-$2500 Deductible 250 6 Brick siding No
2014 415,000 Asphalt Shingles Roof 3,810 5 $500- $1000 Deductible 440 6 Brick siding No
1963 615,000 Shingles Roof 4,510 5 $1000-$2500 Deductible 430 6 Vinyl siding yes
1999 220,000 Asphalt Shingles Roof 2,080 4 $500 Deductible 320 6 Wood siding No
2011 200,000 Tile Roof 1,840 4 $500- $1000 Deductible 180 4 Fiber-Cement Siding No
1980 355,000 Asphalt Shingles Roof 3,180 4 $5000 to $10,000 Deductible 600 9 Stone Siding No
1967 395,000 Wood Shake Roof 2,750 4 > $10,000 Deductible 460 8 Stucco siding No
1962 180,000 Composition Roof 1,490 2 $1000-$2500 Deductible 350 12 Wood siding yes
1975 255,000 Wood Shake Roof 1,990 3 $1000-$2500 Deductible 340 7 Stucco siding yes
1987 290,000 Membrane Roof 2,710 5 > $10,000 Deductible 310 10 Wood siding No
1984 220,000 Tile Roof 1,730 2 > $10,000 Deductible 170 7 Stucco siding yes
1973 195,000 Slate Shingles Roof 1,790 2 $5000 to $10,000 Deductible 30 1 Stone Siding yes
1965 320,000 Membrane Roof 3,040 4 $500- $1000 Deductible 530 6 Vinyl siding No
2014 185,000 Membrane Roof 1,690 2 $500- $1000 Deductible 190 4 Stucco siding yes
1994 170,000 Wood Shake Roof 1,390 2 $1000-$2500 Deductible 130 3 Stucco siding yes
2008 115,000 Membrane Roof 960 2 $500 Deductible 210 6 Stucco siding No
1992 220,000 Composition Roof 1,680 3 $500- $1000 Deductible 150 3 Wood siding yes
1960 150,000 Shingles Roof 1,020 2 $500 Deductible 180 5 Stucco siding No
1967 340,000 Composition Roof 2,260 4 $500- $1000 Deductible 570 9 Vinyl siding yes
1990 240,000 Membrane Roof 1,900 3 $500- $1000 Deductible 490 10 Vinyl siding No
1984 135,000 Membrane Roof 1,270 3 $1000-$2500 Deductible 180 9 Fiber-Cement Siding No
2014 615,000 Slate Shingles Roof 4,920 5 $500- $1000 Deductible 770 5 Stone Siding No
2012 310,000 Wood Shake Roof 2,630 4 > $10,000 Deductible 490 9 Stucco siding No
1972 265,000 Membrane Roof 1,498 3 $1000-$2500 Deductible 850 12 Stone Siding yes

Latest Home Insurance Reviews

I would gladly recommend Allstate to everyone for their home insurance choice because of the manageable costs, ease of use, and overall coverage options.
Allstate is probably no worse or better than the other major home insurance companies. They will limit the amount they pay on claims while increasing the premiums and deductibles you pay each year.
It is cheap compared to other insurance companies. It easy and convenient to add or remove specific items. I did not see that they offer bundles that can make me save on other insurance with the same company
Overall the experience has been especially related to customer service. Allstate is very resourceful and there online features help save a lot of time and effort.
I've been using nationwide since i first bought my house and they have been great. They have great customer service and their deductible program is similar to all of the other major companies. I would definitely recommend them.
my premium and deductible are much lower with more or less the same coverage as the other quotes i had
I will say the policy offerings are a 5. They have given me better coverage than my last company and saved me 20 a month.
State Farm
The premium and deductible are pretty standard as well. Once again I went with them because a family member suggested that I do so. It wasn't because they offered anything special.
3 is what I rate Allstate. They have had decent customer service in the sense that I can get ahold of them whenever, but they're sneaky with policies and hid some stuff from me that I needed to clear up prior.
I would recommend my insurance company to anyone that needs insurance in smaller amounts instead of large amounts. My company works with the customers and base off of the customers needs.
I like that there is always someone to talk to 24 hours a day. i never have to wait and wonder about my questions.
State Farm
Just it a little bad, when i buy the insurance for the second time, the cost went up, i didn't like it.
Overall, I love the price of my Geico Home Insurance policy; it's typically at least 30% cheaper than what I've been offered by other companies. I'm not entirely fond of Geico's billing practices.
Old Republic Home Protection
One thing that i liked about my home warranty was that it was pretty much all inclusive(mostly). i had the top of the line home warranty plan and it covered a lot of items that would normally cost a lot of money, however, the company had provided with reasonable price to me
Most of the time customer service is fairly pleasant, but occasionally there's a ridiculously high call volume and once you do finally speak with a human they aren't the nicest
Farmer's Insurance
I feel like my premium is a little high given that my house is only covered for $100,000. Also, my coverage includes a $1,000 deductible so a lot of minor damages are my responsibility.
The insurance company is easy to reach. The customer service is easy to reach. The premium is fine. The coverage is adequate. My interaction with them during the claim I made was very good.
State Farm
The website allows me to pay and see payment history. I don't use any app.
Safeco Insurance
So far I have not had any experiences which have lead me to dislike the company.
The service provided by the insurance is good. Able to do all the required things that I need to do for insurance. So far so good.
I am satisfied overall because the price is reasonable, the premium is reasonable, the customer service is good, their website is decent. There is very little to complain about. Of course, I have not had to submit a claim yet and you could argue that this would be a true test of their worth.
Never filed a claim but one time a car crashed in my fence and was taken care of within 5 days!
State Farm
I like the hands-off approach and appreciate that they are not bothering me all of the time like other companies have. They are there when I need them but otherwise stay in the background
State Farm
I just wish rates were better at times. We pay almost $400 per month for our insurance and it's expensive at times. I know insurance is expensive so it is what it is.
State Farm
I dislike that I have my homeowners deductible level changed without my knowledge. I know I can change it back, but there is an inertia that has kept me from doing it so far.
Farmer's Insurance
I completely recommend Farmers to all of my friends and family because of the great deals I was offered and how nice everyone was to me when getting it set up for my first home.
i think they are all pretty much the same thing. At least in south florida they are not worth it
Farmer's Insurance
I got the basic coverage but I now have some of my property inside also insured, whereas before nothing was insured.
National General
I like everything about my insurance company since it is efficient and responsible, I like its operation and I like its employees
I'm very much satisfied with the home insurance I've from All-State. They are much reliable.
The Hartford
The company website is often a little difficult to navigate, so we prefer to speak with them on the phone. Our premiums are also a little higher than we would like. That could be explained by the assumed risk we have by living near a floodplain, but still a little more expensive than we'd like.

How To Make Your Riverside, CA Home Insurance Cheaper

How Much Does Riverside, CA Home Insurance Cost?