San Marcos Insurance Rates:

San Marcos, CA homeowners insurance is roughly $533 to $722, about $44-$60/month. Our in depth guide indicates shoppers can save as much as $250 by comparing many quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

Progressive
I would absolutely recommend Progressive. They may not work for everyone but I think most people will find the best value with them.
State Farm
I don't know about this because I have never filed a claim, but I'm sure it would be a pain, like all my dealings with insurance companies.
Liberty Mutual
The premium and the deductible of my policy when compared to other is really nice and mostly vital in role and i am well satisfied in manner.
State Farm
The offerings are outstanding. they cover fire, flood and accidental. its by far a better deal then any other insurance I have reviewed in the past 6 months.
Travelers
The customer service is nice, but it is hard to get in touch with someone and have them actually assess things and get stuff done. Kind of useless.
Allstate
I would highly recommend All state for your home insurance needs, they have a great customer service and plenty of options to choose from that will fit your needs.
Allstate
All State is a phone call away, IÃḃ€™ve never had any claims, but I have my agent's number handy just in case anything was to arouse. That's the way customer service should be.
State Farm
The customer service is top notch. They get to me right away with anything I need. They handle the situation within a few hours.
Allstate
Last year a tree fell on my house they came out the next day and paid me I liked that they were fast and nice
Allstate
the premium is not bad and compares to other it's very reasonable for the size house that I have and the amount of coverage I have
Progressive
The Policies are very important of any company or insurance company. The policies of Progressive are good and reliable.

San Marcos, CA Homeowners Insurance By Home Value

San Marcos, CA Home Value Total Homes % of Total Average San Marcos, CA Homeowners Insurance
Less than $50,000 668 7.0% $37
$50,000 to $59,999 237 2.0% $81
$60,000 to $69,999 234 2.0% $106
$70,000 to $79,999 136 1.0% $119
$80,000 to $89,999 315 3.0% $137
$90,000 to $99,999 230 2.0% $156
$100,000 to $124,999 458 4.0% $181
$125,000 to $149,999 269 2.0% $225
$150,000 to $174,999 382 4.0% $269
$175,000 to $199,999 347 3.0% $307
$200,000 to $249,999 850 9.0% $376
$250,000 to $299,999 1,059 11.0% $457
$300,000 to $399,999 4,098 44.0% $583

Top Home Insurance Agents Near San Marcos, CA

Home Insurance Company Near San Marcos, CA Homeowners Insurance Agency Near San Marcos, CA Address
State Farm Duane Werner 6663 El Cajon Blvd, San Diego, CA, 92115-2851
Farmers Hal Wilson 16516 Bernardo Center Dr Ste 150, San Diego, CA, 92128
State Farm Matt Kalla 4148 Voltaire St, San Diego, CA, 92107-1891
Liberty Mutual Independent Rubin Insurance Agency Inc 6363 GREENWICH DRIVE STE 120, SAN DIEGO, CA, 92122
State Farm Vladan Trifunovic 1635 Rancho Santa Fe Rd, San Marcos, CA, 92078

San Marcos, CA Home Insurance Agents for Top Companies


Cost Of Homeowners Insurance By Street Near San Marcos, CA

Streets in San Marcos Area Homeowners Insurance Cost
Ave Blanco, la Tierra Ln, Ave Cordoba, Teten Way, Santa Luna Ct, Larkhaven Glen, Shelley Dr, de Soto Pl, Bel Esprit Cir, Dundee Ln$640
Lancer Park Ave, Paradise Rd, Ave Ricardo, Siddall Dr, Rancho Bravado, White Owl Dr, Centurion Pl, Elfin Forest Ln, Borden Cir, Lawrence Welk Ln$None
Via Arboles, Ryan Dr, Elfin Forest Rd W, Shadetree Dr, Lookout Pl, Matin Cir, Crownview Ct, S Pacific St, Emma Ln, Stonehedge Pl$621
Vispera Pl, Via Teresa, Bailey Ct, Pso Valla, Dogwood Rd, Ipanema Ln, Collado Ln, S Las Posas Rd, Silver Spur Way, Wren Way$670
Casa Hermosa Ct, Fawntail Pl, Via Di Felicita, Far View Pl, Chenin Way, Cte Casera, Prestwick Ct, Pso Elegancia, Via Caliente, Sunshine Mountain Rd$None
Dale Ct, Fallsview Dr, Cassou Rd, Cacatua St, Country Garden Ln, Distribution St, Landmark Ct, Weatherwood Cir, N Summit Circle Glen, Mariposa Pl$None
Esturion Ct, Via Vera Cruz, Sleepy Hollow Rd, Covington Ave, Carnation Ct, Domingo Glen, N Las Flores Dr, Pso Granito, la Casa Ln, Ave Verde$653
Pacific St, Ponderosa Ave, Baylor Dr, Dartington Way, Rancho Pancho, Oasis Dr, Barnett Dr, Carlann Dr, Halite Pl, Leslie Ct$668
Fremont Pl, Terrace Ln, Limonite St, Rim Rock Cir, Brass Pl, Baron Pl, Pso Estribo, Fortuna del Este, Mandevilla Ct, Cll Reina$None
la Amapola, Staring Way, Corte Cielo, Los Olivos Dr, Arundel Ave, Tres Ranchos Ln, Palm Hill Dr, Discovery Rd, Deodar Rd, Eden Valley Ln$629

San Marcos, CA Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
San Marcos$93 to $96
Oceanside-Escondido$94
Lake San Marcos$95
Escondido$93

San Marcos, 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
Oceanside-Escondido CCD, San Diego County, California $79 $105 $157
Lake San Marcos CDP, California $80 $106 $159
Escondido city, California $78 $103 $155

San Marcos, 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 Marcos, CA2.0%12.2%
Oceanside-Escondido2.16%10.52%
Lake San Marcos2.52%9.26%
Escondido2.36%11.35%

San Marcos Renters Insurance as a Percentage of Rent

San Marcos Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 147 1.0% $785
$300 to $499 306 2.0% $1235
$500 to $749 534 5.0% $1910
$750 to $999 1,166 11.0% $2660
$1,000 to $1,499 4,598 44.0% $3785
$1,500 or more 3,656 35.0% $5435

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

Coverage ($) Deductible ($) Age of home Company Average homeowners insurance premium ($)
150000500NewAAA (Interinsurance Exchange)217
250000500NewPacific Specialty611
250000500NewPrivilege Underwriters Exch1066
4000001000NewWestern Mutual/Residence703
5000001000NewGrange932
7500002500NewHorace Mann684
7500002500NewPacific Specialty1349
2000005001-3 YearsEncompass566
2000005001-3 YearsFirst American Ins423
2000005001-3 YearsIDS Property Casualty658
25000010001-3 YearsAmerican Security588
3000005001-3 YearsHomesite1125
40000010001-3 YearsChubb/Federal1372
40000010001-3 YearsForemost Insurance1455
40000010001-3 YearsQBE (Balboa)694
50000025001-3 YearsHorace Mann P & C600
1500005004-6 YearsChubb/Federal718
25000010004-6 YearsKemper595
40000010004-6 YearsGeneral Ins657
50000010004-6 YearsAmica Mutual1115
50000025004-6 YearsPacific Specialty1099
2000005007-15 YearsAmerican Modern750
25000010007-15 YearsAmco929
2500005007-15 YearsHartford (Sentinel)1011

San Marcos, CA Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,200$5,200
Yearly San Marcos Homeowner Insurance Premium Example $2,100$1,300
Out of Pocket Expense During Claim$1,200$5,200
Total Home Insurance Premium for 7 years + Out of Pocket Expense for Claim $15,900$14,300
Net Savings to San Marcos Home Owner from High Deductible Plan $1,600

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

Scenario San Marcos, CA Home Replacement Value MORE than Home Value San Marcos, CA Home Replacement Value LESS than Home Value
Replacement Value $614,000 $400,000
Insurance Premium based on Replacement Value $1,850 $1,200
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $148,000 Risk Exposure from Under Insuring Coverage is $66,000
Premium Impact Insurance cheaper by $200/year Insurance costlier by $450/year

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

Insurance Company GEICO InsuranceNationwide InsuranceChubb Group of Insurance
Monthly Premium 4911550
Year Built 200420131988
Home Details 3 Beds, 2 Baths4 Beds, 2 Baths5 Beds, 2 Baths
Coverage Amount $350000-$400000$500000-$600000$300000-$350000
Deductible > $10,000 Deductible$1000-$2500 Deductible> $10,000 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
2012 290,000 Metal Roof 1,670 3 $500- $1000 Deductible 240 3 Stucco siding No
1999 410,000 Membrane Roof 2,410 4 $5000 to $10,000 Deductible 270 5 Vinyl siding yes
1985 275,000 Asphalt Shingles Roof 1,490 3 > $10,000 Deductible 210 7 Vinyl siding No
1999 945,000 Asphalt Shingles Roof 4,590 5 $5000 to $10,000 Deductible 470 3 Vinyl siding yes
2004 355,000 Asphalt Shingles Roof 2,050 3 $2500-$5000 Deductible 580 12 Stucco siding No
2011 300,000 Membrane Roof 1,670 5 $5000 to $10,000 Deductible 320 9 Stone Siding yes
2014 365,000 Shingles Roof 2,210 5 $500 Deductible 490 6 Stucco siding yes
1996 770,000 Slate Shingles Roof 4,540 5 $500 Deductible 710 4 Brick siding yes
1987 315,000 Tile Roof 1,810 5 > $10,000 Deductible 470 9 Wood siding No
1997 410,000 Membrane Roof 2,010 4 > $10,000 Deductible 110 2 Vinyl siding No
1988 525,000 Asphalt Shingles Roof 3,060 5 > $10,000 Deductible 220 3 Stone Siding No
2014 585,000 Asphalt Shingles Roof 2,710 4 $500- $1000 Deductible 860 7 Wood siding yes
1990 415,000 Composition Roof 2,010 4 $500 Deductible 910 9 Fiber-Cement Siding yes
2011 650,000 Metal Roof 2,930 4 $5000 to $10,000 Deductible 810 9 Vinyl siding No
1990 355,000 Wood Shake Roof 2,340 3 $500 Deductible 1480 12 Fiber-Cement Siding yes
1988 425,000 Membrane Roof 2,020 5 > $10,000 Deductible 200 3 Fiber-Cement Siding yes
1996 280,000 Tile Roof 1,860 3 $1000-$2500 Deductible 530 10 Stucco siding No
2010 320,000 Asphalt Shingles Roof 1,530 3 $2500-$5000 Deductible 320 8 Vinyl siding yes
2011 425,000 Asphalt Shingles Roof 2,430 5 $2500-$5000 Deductible 310 3 Wood siding No
2009 395,000 Membrane Roof 2,390 3 $5000 to $10,000 Deductible 880 12 Wood siding yes
2012 240,000 Membrane Roof 1,370 3 $500- $1000 Deductible 250 5 Brick siding No
2013 350,000 Membrane Roof 1,800 3 $1000-$2500 Deductible 120 2 Vinyl siding yes
2000 845,000 Metal Roof 4,380 5 $5000 to $10,000 Deductible 1460 10 Vinyl siding yes
2014 435,000 Asphalt Shingles Roof 2,170 3 $500- $1000 Deductible 440 4 Stucco siding No
2003 325,000 Tile Roof 1,890 3 $2500-$5000 Deductible 800 12 Stucco siding yes
2001 415,000 Tile Roof 2,450 4 $1000-$2500 Deductible 300 4 Stucco siding yes
2011 485,000 Membrane Roof 2,180 5 $2500-$5000 Deductible 510 9 Vinyl siding No
2013 510,000 Composition Roof 2,840 4 $2500-$5000 Deductible 1230 10 Fiber-Cement Siding yes
2012 385,000 Tile Roof 1,950 3 $500 Deductible 650 6 Wood siding No
1996 725,000 Metal Roof 4,360 5 $500- $1000 Deductible 490 4 Vinyl siding No
1984 340,000 Asphalt Shingles Roof 1,800 3 $5000 to $10,000 Deductible 580 12 Stone Siding yes
1984 500,000 Slate Shingles Roof 2,830 4 $500 Deductible 600 5 Stucco siding No
2006 340,000 Wood Shake Roof 1,790 5 $5000 to $10,000 Deductible 320 6 Stone Siding yes
1995 390,000 Asphalt Shingles Roof 2,060 3 $1000-$2500 Deductible 110 2 Vinyl siding yes

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