Spring Valley Insurance Rates:

Spring Valley, CA homeowners insurance is approximately $528 to $717, about $44-$59/month. Our exhaustive analysis indicates shoppers can save as much as $248 by getting many quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

Compare Quotes from Top Providers and Save now!

Latest Home Insurance Reviews

State Farm
This is a very well-known company. there is no one who has not heard of this company that i know.
State Farm
The local, regional and even state representatives for state farm are very friendly and know what they are talking about.
Mercury
I do not like mercury insurance because it does not pay as much commission to its agents as some other insurance companies do.
Progressive
Since living in my home, I have had to make two insurance claims for trees falling into my neighbor's property. The customer service was amazing and they fixed the issues quickly.
State Farm
I generally find the company's website easy to use. From the home page, it's easy to figure out how to navigate, where I need to login to see bills or do other kinds of services. From there, everything else is easy enough to figure out.
Progressive
I really do not have any dislikes about the company. Every time I have interacted with them, they have been pleasant and helpful and the claim we had with them went very smoothly. I would highly recommend them to anyone needing homeowners insurance.
Safeco Insurance
Interactions. Had a car claim and they were super easy to work? With.... They set a regional adjuster where you could bring your vehicles to be looked at

Spring Valley, CA Homeowners Insurance By Home Value

Spring Valley, CA Home Value Total Homes % of Total Average Spring Valley, CA Homeowners Insurance
Less than $50,000 437 10.0% $43
$60,000 to $69,999 51 1.0% $111
$70,000 to $79,999 65 1.0% $130
$80,000 to $89,999 50 1.0% $149
$90,000 to $99,999 55 1.0% $167
$100,000 to $124,999 102 2.0% $192
$125,000 to $149,999 126 3.0% $242
$150,000 to $174,999 150 3.0% $292
$175,000 to $199,999 126 3.0% $335
$200,000 to $249,999 268 6.0% $404
$250,000 to $299,999 619 15.0% $491
$300,000 to $399,999 1,892 47.0% $628

Top Home Insurance Agents Near Spring Valley, CA

Home Insurance Company Near Spring Valley, CA Homeowners Insurance Agency Near Spring Valley, CA Address
State Farm Bruce Hofbauer 12396 World Trade Dr Ste 113, San Diego, CA, 92128-3787
Travelers Hatter Williams & Purdy Insurance Marketing 2230 FARADAY AVE, CARLSBAD, CA, 92008
Liberty Mutual Independent Ives Insurance Services Inc 2850 WOMBLE RD STE 103, SAN DIEGO, CA, 92106
State Farm Steve Elder 9225 Mira Mesa Blvd Ste 208D, San Diego, CA, 92126-4811
Allstate Terry Carraher 240 W Crest St Ste A, Escondido, CA, 92025

Cost Of Homeowners Insurance By Street Near Spring Valley, CA

Streets in Spring Valley Area Homeowners Insurance Cost
Wyman Way, Cascio Ct, Canyonside Ct, Fabled Waters Dr, Elkhorn St, Coach Dr, Moundview St, Junior High Dr, Canyontop St, Blarney Ave$622
Golden Ave, Trophy Dr, Saddle Dr, Summerfield Ct, Sheldon Dr, Ledgeview Ln, Central Way, Dain Dr, Isham Springs Ct, Switzer Dr$623
del Rio Rd, Rosarita Dr, Central Wayside, Church St, Rae Dr, la Mesa Ct, Moundview Pl, Ave Roberta, E Arrieta Cir, Oakleaf Ct$650
Fairview Ave, Cornwall St, Osage Dr, Quarry Rd, Knollview Dr, Arlingdale Way, Pointe Pkwy, Grade Pl, Francis Dr, Lebuan Dr$619
Butteside Pl, Casa Ln, Foursome Dr, Fairway Dr, Scenic Ter, Lava Ct, Chavaca Ln, Canyonwood Ln, Cliffview Pl, Glen Canyon Cir$621

Spring Valley, CA Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Spring Valley$93 to $95
La Presa$91
Casa de Oro-Mount Helix$98
Lemon Grove$92

Spring Valley, 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
La Presa CDP, California $77 $102 $153
Casa de Oro-Mount Helix CDP, California $82 $109 $164
Lemon Grove city, California $77 $102 $153

Spring Valley, 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
Spring Valley, CA2.4%13.5%
La Presa2.64%14.19%
Casa de Oro-Mount Helix1.88%10.93%
Lemon Grove2.52%15.12%

Spring Valley Renters Insurance as a Percentage of Rent

Spring Valley Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 48 1.0% $787
$300 to $499 37 1.0% $1237
$500 to $749 201 5.0% $1912
$750 to $999 466 13.0% $2662
$1,000 to $1,499 1,418 40.0% $3787
$1,500 or more 1,307 37.0% $5437

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

Coverage ($) Deductible ($) Age of home Company Average homeowners insurance premium ($)
150000250NewQBE (Balboa)415
4000001000NewUniversal North America525
5000001000NewHomesite986
7500002500NewCalifornia Casualty684
2000005001-3 YearsFarmers (Fire Ins)689
3000005001-3 YearsHorace Mann659
50000010001-3 YearsTravelers770
2000005004-6 YearsLiberty Ins Corp661
25000010004-6 YearsGrange616
25000010004-6 YearsPacific Property And Casualty366
2500005004-6 YearsStillwater Prop & Cas Co650
3000005004-6 YearsAmerican Reliable793
40000010004-6 YearsEncompass1011
50000010004-6 YearsOregon Mutual1068
50000025004-6 YearsAIG Prop Cas1257
1500005007-15 YearsPrivilege Underwriters Exch871
1500005007-15 YearsWawanesa436
2000005007-15 YearsAmerican Modern750
2000005007-15 YearsUSAA446
25000010007-15 YearsSafeco673
2500005007-15 YearsMetropolitan Direct715

Spring Valley, CA Home Insurance Costs With Deductible Scenario

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

Spring Valley, CA Home Insurance Costs With Home Replacement Value Scenarios

Scenario Spring Valley, CA Home Replacement Value MORE than Home Value Spring Valley, CA Home Replacement Value LESS than Home Value
Replacement Value $449,500 $310,000
Insurance Premium based on Replacement Value $1,625 $1,125
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $38,500 Risk Exposure from Under Insuring Coverage is $101,000
Premium Impact Insurance cheaper by $375/year Insurance costlier by $125/year

Example Spring Valley Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Nationwide InsuranceGEICO InsuranceLiberty Mutual
Monthly Premium 7913130
Year Built 198519672003
Home Details 3 Beds, 2 Baths4 Beds, 3 Baths5 Beds, 4 Baths
Coverage Amount $500000-$600000$500000-$600000$200000-$250000
Deductible $5000 to $10,000 Deductible$1000-$2500 Deductible$5000 to $10,000 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1991 440,000 Metal Roof 2,220 3 $1000-$2500 Deductible 770 10 Stone Siding No
1982 465,000 Wood Shake Roof 3,150 4 $500 Deductible 660 5 Fiber-Cement Siding No
1986 300,000 Asphalt Shingles Roof 1,880 3 $5000 to $10,000 Deductible 460 7 Stucco siding No
2004 375,000 Tile Roof 1,950 3 $1000-$2500 Deductible 750 10 Stucco siding yes
1985 285,000 Membrane Roof 1,770 5 $500- $1000 Deductible 670 8 Stucco siding yes
1960 490,000 Tile Roof 3,070 4 $5000 to $10,000 Deductible 860 8 Vinyl siding No
1989 335,000 Metal Roof 1,980 3 > $10,000 Deductible 250 8 Vinyl siding No
1997 280,000 Tile Roof 1,380 3 $500- $1000 Deductible 340 5 Stone Siding No
1962 470,000 Membrane Roof 2,800 4 $1000-$2500 Deductible 1100 10 Brick siding yes
1985 360,000 Slate Shingles Roof 1,710 4 > $10,000 Deductible 160 4 Wood siding yes
1978 350,000 Wood Shake Roof 2,040 4 $500 Deductible 370 3 Fiber-Cement Siding yes
1964 435,000 Shingles Roof 2,100 5 $1000-$2500 Deductible 1350 10 Stucco siding No
1975 530,000 Membrane Roof 3,130 4 $500 Deductible 1280 9 Stucco siding No
1970 345,000 Asphalt Shingles Roof 1,910 4 $1000-$2500 Deductible 590 10 Fiber-Cement Siding yes
2005 465,000 Wood Shake Roof 2,430 4 $5000 to $10,000 Deductible 660 9 Stucco siding No
2004 540,000 Tile Roof 2,990 4 $1000-$2500 Deductible 1070 9 Stucco siding yes
1960 290,000 Shingles Roof 1,380 3 > $10,000 Deductible 190 6 Stone Siding No
1991 410,000 Asphalt Shingles Roof 2,000 3 $5000 to $10,000 Deductible 240 5 Vinyl siding yes
1969 520,000 Membrane Roof 2,650 4 $2500-$5000 Deductible 90 1 Stucco siding yes
1991 785,000 Slate Shingles Roof 4,610 5 $1000-$2500 Deductible 270 2 Stucco siding yes
1964 420,000 Slate Shingles Roof 2,790 4 $1000-$2500 Deductible 610 8 Stone Siding yes
1981 380,000 Composition Roof 2,000 4 > $10,000 Deductible 230 4 Vinyl siding No
1979 375,000 Asphalt Shingles Roof 1,930 5 $5000 to $10,000 Deductible 380 8 Vinyl siding yes
2004 270,000 Metal Roof 1,300 3 $500- $1000 Deductible 780 9 Vinyl siding No
2005 805,000 Wood Shake Roof 4,970 5 $500- $1000 Deductible 720 4 Stucco siding No
1993 480,000 Slate Shingles Roof 3,340 5 $500- $1000 Deductible 1070 7 Brick siding No
1967 430,000 Wood Shake Roof 2,330 4 $5000 to $10,000 Deductible 350 5 Fiber-Cement Siding No
1966 530,000 Metal Roof 2,670 4 $1000-$2500 Deductible 220 2 Brick siding yes
1963 315,000 Tile Roof 1,800 3 $2500-$5000 Deductible 260 4 Brick siding No
1976 335,000 Wood Shake Roof 2,110 3 $500- $1000 Deductible 80 1 Stucco siding yes