San Clemente Insurance Rates:

San Clemente, CA homeowners insurance is approximately $580 to $789, about $48-$65/month. Our complete guide reveals consumers can save as much as $274 by getting multiple quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

Nationwide
I'm truly happy with the service nationwide has provided. i have not yet had any major issues with the company in the past year that i have had them. they are prompt and easy.
Allstate
Allstate insurance can be difficult to contact during certain times of the year. an e-mail can take up to five days for a response.
State Farm
State farm is more willing to tailor the coverage to the client's needs and does not try to upsell or force unnecessary coverage.
Allstate
I feel the premium is a bit higher compared to other insurance companies. But Allstate is a good company that I trust so I am willing to pay a bit more to keep their coverage.
Stillwater Insurance Group
On the phone the communication is great. They also send me yearly paper statements that break down my policy. I like to keep these for my records.
Travelers
I have never used the company’s app. I have used the website occasionally and I would say it is average.
Allstate
It is easy to use to figure out calculations and premiums. You can contact someone. You can schedule and make your payments quite easily. It is pretty user-friendly.

San Clemente, CA Homeowners Insurance By Home Value

San Clemente, CA Home Value Total Homes % of Total Average San Clemente, CA Homeowners Insurance
Less than $50,000 60 4.0% $20
$50,000 to $59,999 40 2.0% $47
$90,000 to $99,999 41 2.0% $82
$100,000 to $124,999 46 3.0% $95
$150,000 to $174,999 22 1.0% $150
$175,000 to $199,999 51 3.0% $171
$200,000 to $249,999 126 8.0% $205
$250,000 to $299,999 169 12.0% $253
$300,000 to $399,999 823 58.0% $321

Top Home Insurance Agents Near San Clemente, CA

Home Insurance Company Near San Clemente, CA Homeowners Insurance Agency Near San Clemente, CA Address
NA Kosmos Insurance Agency, Inc. 1913 E. 17Th Street, Suite 213 Santa Ana, Santa Ana, CA, 92705
Allstate Jeffrey Ng 23706 Crenshaw Blvd Ste 104, Torrance, CA, 90505
State Farm Joe Nguyen 13041 Euclid St, Garden Grove, CA, 92843-1333
State Farm Ric Weissinger 5922 Warner Ave, Huntingtn Bch, CA, 92649-4660
Allstate Samuel A. Gonzales 11401 Carson St Ste K, Lakewood, CA, 90715

Cost Of Homeowners Insurance By Street Near San Clemente, CA

Streets in San Clemente Area Homeowners Insurance Cost
Cll Real, Corte Cardelina, Via Belorado, Sangre de Toro, Cll Baranda, Cam del Rio, Acebo Ln, Via Cuenta Nueva, Ave del Verdor, Cll Vallarta$684
Via Breve, W Escalones, Cll Paloma, Cll Campesino, Pso del Norte, Cll Real, W Marquita, Jinete, Cll Iglesia, Cll Vista del Sol$673
Corte Limonada, Via Montecito, Cam Las Ramblas, Pso Montevideo, Pso Diana, Cll Pacifica, Via Huesca, Doheny Pl, Cll Gaulteria, Via del Verde$687
Ave Princesa, Glenariff Ln, Seaview Dr, Ave Placida, Optima, Cll Sombra, Via Carmona, Pso Clavel, Felipe, Las Posas$675
Ave del Mar, Via Fierro, Pso Callado, Cam Celeste, Coast Hwy, Ave Larga, Ave Pelayo, Via Solana, Via Los Arboles, Eminencia del Sur$672
Via Nerisa, Via Mango, Cll Sarmentoso, Cll Belmonte, Via Buen Corazon, Cll Conchita, Via Morada, Cll Frontera, Via Limon, Cll Mirador$691
Doheny Park Rd, Cll Lago, W Ave Santiago, Cll Los Alamos, Via Cancion, Corte el Brazo, Ave Las Palmas, Via Vistosa, Aqua del Caballete, Cll Ramona$662
Via Valor, Ave Santa Margarita, Ave del Presidente, Cll Lisa, Beach Rd, Tortuga, Ave Estacion, Pso Pinto, Cerca, Costero Hermoso$724
Ave del Reposo, Cll Cordillera, Pso Barona, Capistrano Ln, Via Regalo, Corte Pinturas, Chapital, Cll Cuervo, Cll Colina, Co Rte Loarre$694
W Canada, Cll Casino, Via Manzana, Rebano, E View Pt, Via Espiritu, Cll Monte, Colina de Ario Iris, Ave Santa Inez, W Mill Pond Rd$670

San Clemente, CA Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
San Clemente$102 to $105
San Juan Capistrano$98
Dana Point$102
South Coast$100

San Clemente, 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
San Juan Capistrano city, California $82 $109 $164
Dana Point city, California $86 $114 $171
South Coast CCD, Orange County, California $83 $111 $166

San Clemente, 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
San Clemente, CA1.7%9.5%
San Juan Capistrano1.83%9.74%
Dana Point1.93%9.11%
South Coast1.88%8.13%

San Clemente Renters Insurance as a Percentage of Rent

San Clemente Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$500 to $749 172 2.0% $1879
$750 to $999 394 4.0% $2629
$1,000 to $1,499 2,547 31.0% $3754
$1,500 or more 4,965 60.0% $5404

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

Coverage ($) Deductible ($) Age of home Company Average homeowners insurance premium ($)
150000250NewHartford (Sentinel)512
2500001000NewCalifornia Capital441
2500001000NewLiberty Ins Corp572
5000001000NewHorace Mann P & C614
2000005001-3 YearsAmco516
25000010001-3 YearsPrivilege Underwriters Exch934
50000010001-3 YearsAAA (Interinsurance Exchange)927
50000025001-3 YearsPacific Specialty927
50000025001-3 YearsUniversal North America701
75000025001-3 YearsHartford (Sentinel)1489
2000005004-6 YearsTokio Marine America383
3000005004-6 YearsKemper855
40000010004-6 YearsCSE Safeguard970
40000010004-6 YearsGeneral Ins708
50000010004-6 YearsAmerican Security1282
75000025004-6 YearsFirst American Ins1280
1500002507-15 YearsStillwater Prop & Cas Co625
2000005007-15 YearsAIG Prop Cas984
2000005007-15 YearsStillwater Ins Co638
25000010007-15 YearsAmco789
15000025016-25 YearsFirst American Ins501
20000050016-25 YearsCalifornia Capital617

San Clemente, CA Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,900$5,900
Yearly San Clemente Homeowner Insurance Premium Example $2,000$1,200
Out of Pocket Expense During Claim$1,900$5,900
Total Home Insurance Premium for 7 years + Out of Pocket Expense for Claim $15,900$14,300
Net Savings to San Clemente Home Owner from High Deductible Plan $1,600

San Clemente, CA Home Insurance Costs With Home Replacement Value Scenarios

Scenario San Clemente, CA Home Replacement Value MORE than Home Value San Clemente, CA Home Replacement Value LESS than Home Value
Replacement Value $928,000 $606,000
Insurance Premium based on Replacement Value $2,225 $1,450
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $161,000 Risk Exposure from Under Insuring Coverage is $161,000
Premium Impact Insurance cheaper by $375/year Insurance costlier by $400/year

Example San Clemente Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Nationwide InsuranceFarmers InsuranceLiberty Mutual
Monthly Premium 129158222
Year Built 201319831995
Home Details 3 Beds, 2 Baths4 Beds, 2 Baths5 Beds, 1 Baths
Coverage Amount $600000-$700000More than 10000000More than 10000000
Deductible $500- $1000 Deductible$5000 to $10,000 Deductible$500- $1000 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
2000 845,000 Slate Shingles Roof 2,760 4 $500- $1000 Deductible 1760 10 Brick siding No
1971 1,725,000 Tile Roof 4,530 5 $5000 to $10,000 Deductible 590 3 Vinyl siding No
2010 700,000 Slate Shingles Roof 2,490 4 $2500-$5000 Deductible 160 1 Stucco siding No
2008 505,000 Wood Shake Roof 1,670 4 $500- $1000 Deductible 550 5 Fiber-Cement Siding yes
1973 1,035,000 Slate Shingles Roof 2,590 5 > $10,000 Deductible 650 6 Brick siding No
2004 1,260,000 Metal Roof 3,390 5 $1000-$2500 Deductible 1210 6 Stucco siding yes
2013 1,255,000 Slate Shingles Roof 4,340 5 $2500-$5000 Deductible 170 1 Stucco siding yes
1990 870,000 Slate Shingles Roof 3,200 5 $500 Deductible 720 3 Brick siding No
1997 735,000 Composition Roof 1,860 4 $2500-$5000 Deductible 1400 10 Stone Siding No
1997 625,000 Tile Roof 2,140 3 $5000 to $10,000 Deductible 840 7 Fiber-Cement Siding No
2000 530,000 Shingles Roof 1,810 3 $500 Deductible 1780 10 Fiber-Cement Siding No
2005 880,000 Wood Shake Roof 2,630 5 $500 Deductible 1520 8 Fiber-Cement Siding yes
1981 630,000 Wood Shake Roof 1,840 5 $500- $1000 Deductible 930 5 Stone Siding yes
2010 710,000 Tile Roof 1,940 4 $1000-$2500 Deductible 1220 9 Stucco siding yes
2001 930,000 Slate Shingles Roof 3,200 5 > $10,000 Deductible 750 10 Stone Siding yes
1978 465,000 Tile Roof 1,620 3 > $10,000 Deductible 120 2 Vinyl siding yes
2004 700,000 Shingles Roof 2,120 4 $5000 to $10,000 Deductible 210 2 Vinyl siding yes
2005 745,000 Tile Roof 2,460 4 $500 Deductible 1940 12 Stucco siding yes
2011 705,000 Composition Roof 2,350 4 > $10,000 Deductible 760 10 Stone Siding yes
2000 880,000 Metal Roof 2,330 4 > $10,000 Deductible 710 6 Wood siding yes
1974 630,000 Asphalt Shingles Roof 1,820 4 > $10,000 Deductible 360 4 Vinyl siding yes
1995 740,000 Shingles Roof 1,990 3 $1000-$2500 Deductible 2040 12 Wood siding yes
2008 1,180,000 Slate Shingles Roof 3,250 5 > $10,000 Deductible 1620 12 Vinyl siding yes
1980 1,180,000 Metal Roof 2,900 4 $500 Deductible 250 1 Fiber-Cement Siding No
1986 650,000 Wood Shake Roof 1,710 3 > $10,000 Deductible 1150 9 Stucco siding No
2005 985,000 Shingles Roof 2,920 5 $500 Deductible 1200 6 Stucco siding No
1972 1,385,000 Composition Roof 3,580 5 $500 Deductible 2580 10 Stone Siding No
2013 720,000 Slate Shingles Roof 1,920 3 $500 Deductible 2040 12 Wood siding yes