Riverside, CA Home Insurance - Analysis On Quotes, Rates & Agents
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.
Latest Home Insurance Reviews
NationwideI 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 Insurance CompanyJust it a little bad, when i buy the insurance for the second time, the cost went up, i didn't like it.
Assurant
Although assurant is the only service like this i've used, i really appreciated how quick and painless the application process was.
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 |
|---|---|---|
| Farmers | Todd Dailey | 29930 Hunter Rd Ste 104, Murrieta, CA, 92563 |
| 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 |
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
| Place | Savings For Senior Occupied Homes |
|---|---|
| Riverside | $90 to $92 |
| March ARB | $91 |
| Woodcrest | $93 |
| 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
| Place | Home insurance as a % of housing cost for homes with mortgage | Home insurance as a % of housing cost for homes without mortgage |
|---|---|---|
| Riverside, CA | 2.7% | 12.2% |
| Woodcrest | 2.25% | 10.63% |
| Highgrove | 3.06% | 17.69% |
| Grand Terrace | 2.57% | 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 ($) | Age of home | Company | Average homeowners insurance premium ($) |
|---|---|---|---|---|
| 150000 | 500 | New | American Reliable | 451 |
| 250000 | 1000 | New | California Capital | 445 |
| 250000 | 1000 | New | Encompass | 665 |
| 250000 | 500 | New | Amco | 494 |
| 500000 | 1000 | New | American Reliable | 1176 |
| 500000 | 1000 | New | Farmers (Fire Ins) | 1157 |
| 500000 | 1000 | New | First American Ins | 905 |
| 750000 | 2500 | New | Century National | 1243 |
| 250000 | 1000 | 1-3 Years | American Security | 697 |
| 250000 | 500 | 1-3 Years | CSE Safeguard | 654 |
| 250000 | 500 | 1-3 Years | First American Ins | 605 |
| 250000 | 500 | 1-3 Years | Wawanesa | 658 |
| 250000 | 500 | 1-3 Years | Western Mutual/Residence | 553 |
| 300000 | 500 | 1-3 Years | Chubb/Federal | 1497 |
| 500000 | 1000 | 1-3 Years | American Security | 1382 |
| 500000 | 1000 | 1-3 Years | Tokio Marine America | 892 |
| 500000 | 2500 | 1-3 Years | Horace Mann | 941 |
| 150000 | 250 | 4-6 Years | Liberty Ins Corp | 589 |
| 150000 | 500 | 4-6 Years | Chubb/Federal | 867 |
| 250000 | 1000 | 4-6 Years | Amica Mutual | 697 |
| 250000 | 500 | 4-6 Years | QBE (Balboa) | 673 |
| 400000 | 1000 | 4-6 Years | Homesite | 1104 |
| 400000 | 1000 | 4-6 Years | Horace Mann | 1036 |
Riverside, CA Home Insurance Costs With Deductible Scenario
| Low Deductible | High Deductible | |
|---|---|---|
| Deductible | $1,000 | $2,000 |
| 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 | Travelers | Farmers Insurance | State Farm |
| Monthly Premium | 52 | 33 | 63 |
| Year Built | 1981 | 2001 | 1964 |
| Home Details | 3 Beds, 2 Baths | 5 Beds, 4 Baths | 4 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 |
|---|---|---|---|---|---|---|---|---|---|
| 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 |