Riverside Insurance Rates:

Riverside ,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 Riverside, 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 Riverside, CA is $1329. Enter your zipcode below and click “GO” to get multiple free quotes.

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Home Insurance Companies in Riverside, CA: Customer-Reviewed Options


Riverside, CA Homeowners Insurance Rates by Coverage Level

It is important to understand the different coverage options available in Riverside, CA. VHome Insurance will help you navigate the world of homeowners insurance coverages in Riverside, CA.

Coverage Level Average Annual Premium
$100,000 $532
$200,000 $904
$300,000 $1,116
$400,000 $1,701
$500,000 $2,140


Riverside, CA Homeowners Insurance Rates by ZIP Code

Home insurance costs in Riverside 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
092506 $1,284
92508 $1,291
92507 $1,260
92503 $1,266
92505 $1,262
92504 $1,258
92501 $1,251


Riverside, CA Homeowners Insurance Deductibles

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 Riverside, CA, and how to choose the right one for your needs.

Deductible Level Average Annual Premium
$500 Deductible $1,363
$1000 Deductible $1,219
$1500 Deductible $1,150
$2500 Deductible $1,037
$5000 Deductible $877



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


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

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

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