Temecula ,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 Temecula, 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 Temecula, CA is $1351. Enter your zipcode below and click “GO” to get multiple free quotes.
It is important to understand the different coverage options available in Temecula, CA. VHome Insurance will help you navigate the world of homeowners insurance coverages in Temecula, CA.
| Coverage Level | Average Annual Premium |
|---|---|
| $100,000 | $540 |
| $200,000 | $919 |
| $300,000 | $1,135 |
| $400,000 | $1,729 |
| $500,000 | $2,175 |
Home insurance costs in Temecula 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 |
|---|---|
| 092590 | $1,413 |
| 92592 | $1,288 |
| 92591 | $1,283 |
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 Temecula, CA, and how to choose the right one for your needs.
| Deductible Level | Average Annual Premium |
|---|---|
| $500 Deductible | $1,385 |
| $1000 Deductible | $1,239 |
| $1500 Deductible | $1,169 |
| $2500 Deductible | $1,054 |
| $5000 Deductible | $892 |
| Home Insurance Company Near Temecula, CA | Homeowners Insurance Agency Near Temecula, CA | Address |
|---|---|---|
| Allstate | Chuck Allan | 4 Venture Ste 115, Irvine, CA, 92618 |
| Travelers | Cox Yacht Insurance Agency Inc | 1000 QUAIL ST 230, NEWPORT BEACH, CA, 92660 |
| Farmers | Donald Lee | 29970 Technology Dr Ste 117, Murrieta, CA, 92563 |
| Farmers | Rick Hackett | 34249 Camino Capistrano Ste 206, Capistrano Bch, CA, 92624 |
| State Farm | Sean Saunders | 111 Corporate Dr Ste 190, Ladera Ranch, CA, 92694-1156 |
| Place | 1 Car Bundle Savings On Insurance | 2 Car Bundle Savings On Insurance | 3 Car Bundle Savings On Insurance |
|---|---|---|---|
| Murrieta CCD, Riverside County, California | $77 | $102 | $153 |
| Rainbow CDP, California | $79 | $105 | $157 |
| French Valley CDP, California | $77 | $102 | $153 |
| Place | Home insurance as a % of housing cost for homes with mortgage | Home insurance as a % of housing cost for homes without mortgage |
|---|---|---|
| Temecula, CA | 2.1% | 9.5% |
| Murrieta | 2.08% | 9.63% |
| Rainbow | 2.2% | 8.83% |
| French Valley | 1.98% | 8.85% |
| Temecula Home By Monthly Rent | Total Homes | % of Total | Estimated Monthly Income To Afford Rented House Including Renters Insurance |
|---|---|---|---|
| $300 to $499 | 185 | 1.0% | $1240 |
| $500 to $749 | 360 | 3.0% | $1915 |
| $750 to $999 | 966 | 9.0% | $2665 |
| $1,000 to $1,499 | 3,512 | 35.0% | $3790 |
| $1,500 or more | 4,935 | 49.0% | $5440 |
| Streets in Temecula Area | Homeowners Insurance Cost |
|---|---|
| Roshani Dr, Sonoma Ln, Pampas Rd, Estero St, Van Gaale Ln, Cajon Dr, Pechanga Dr, Linda Rosea Rd, la Sierra Rd, Grass Meadow Way | $631 |
| Frontage Rd, Corte de Los Santos, Cll Medusa, Casa Chata Pl, Cala Cerona, Cll de Vinedos, Cafera Ln, Trafalgar Way, Sandak Rd, Haywood Ct | $641 |
| Seawind Cir, Preece Ln, Potestas Dr, Sierra Ct, Cam Casana, Noel Cir, Iron Horse Dr, Rue Jadot, Lauriano Dr, Via Bonilla | $628 |
| Crown Ranch Rd, Emerald Creek Ct, Tournament Ln, Alcalde Ln, Valence Ct, Glick Ct, N General Kearny Rd, Matanzas Creek Ct, Yorba Rd, Corte Escobar | $618 |
| Mango Bay, Alton Ct, Seminole St, Twin Creek Dr, Maxine St, San Fermin Pl, Old US Hwy 395, Serrento Dr, la Paz Rd, Weibel Cir | $619 |
| Hudson Ct, Guadagno Dr, Cll Pantano, Royal Dornoch Ct, Cam Caliari, Grace Ct, Corte Cabello, Plymouth Way, Village Rd, Volare Rd | $612 |
| Winchester Creek Ave, Rock Bluff Ave, Corte Sparkman, Grapevine Ct, Amesbury Ln, Blanca Ct, Thyzel Ct, Carriage Cir, Murphy Rd, Rainbow Creek Dr | $611 |
| Riverton Ln, Boulder Way, Frankfort Ln, Avoyer Ave, Rising Hill Dr, Trentino Dr, Savoy Ln, Linda Ct, Puesta del Sol, Remington Ave | $613 |
| Ayer Ln, S General Kearny Rd, Via Perales, Grado Cir, Fetzer Cir, Twin Hills Way, Via Sierra, Tall Oak Ct, Via Puesta del Sol, Cloudburst Ln | $624 |
| Via Corsica, Cll Aragon, Rosewood St, Villa Helena St, Cam Estribo, Corte Chatada, Valone Ct, Sycamore St, New Meadow Dr, Berkswell Ln | $613 |
| Place | Savings For Senior Occupied Homes |
|---|---|
| Temecula | $92 to $94 |
| Murrieta | $92 |
| Rainbow | $94 |
| French Valley | $91 |
| Coverage ($) | Deductible ($) | Age of home | Company | Average homeowners insurance premium ($) |
|---|---|---|---|---|
| 150000 | 500 | New | American Modern | 568 |
| 150000 | 500 | New | General Ins | 259 |
| 250000 | 1000 | New | Century National | 432 |
| 250000 | 1000 | New | General Ins | 343 |
| 250000 | 1000 | New | Mercury Ins Group | 283 |
| 250000 | 500 | New | Bankers Standard | 1589 |
| 300000 | 500 | New | Stillwater Prop & Cas Co | 609 |
| 500000 | 2500 | New | American Reliable | 961 |
| 750000 | 2500 | New | Century National | 1045 |
| 750000 | 2500 | New | Travelers | 1018 |
| 150000 | 500 | 1-3 Years | AAA (Interinsurance Exchange) | 265 |
| 200000 | 500 | 1-3 Years | Kemper | 552 |
| 250000 | 500 | 1-3 Years | Mercury Ins Group | 364 |
| 300000 | 500 | 1-3 Years | General Ins | 485 |
| 300000 | 500 | 1-3 Years | Horace Mann P & C | 622 |
| 750000 | 2500 | 1-3 Years | Horace Mann | 706 |
| 750000 | 2500 | 1-3 Years | IDS Property Casualty | 1969 |
| 150000 | 500 | 4-6 Years | American Reliable | 444 |
| 250000 | 1000 | 4-6 Years | IDS Property Casualty | 879 |
| 250000 | 1000 | 4-6 Years | State Farm | 753 |
| 300000 | 500 | 4-6 Years | Nationwide | 901 |
| 150000 | 250 | 7-15 Years | Stillwater Prop & Cas Co | 704 |
| 150000 | 500 | 7-15 Years | General Ins | 457 |
| 150000 | 500 | 7-15 Years | Integon/National | 621 |
| Low Deductible | High Deductible | |
|---|---|---|
| Deductible | $1,800 | $2,800 |
| Yearly Temecula Homeowner Insurance Premium Example | $800 | $600 |
| Out of Pocket Expense During Claim | $1,800 | $2,800 |
| Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim | $8,200 | $7,600 |
| Net Savings to Temecula Home Owner from High Deductible Plan | $600 | |
| Scenario | Temecula, CA Home Replacement Value MORE than Home Value | Temecula, CA Home Replacement Value LESS than Home Value |
|---|---|---|
| Replacement Value | $284,500 | $186,500 |
| Insurance Premium based on Replacement Value | $675 | $450 |
| Risk Exposure from Under Insuring Coverage | Unnecessary Home Insurance Coverage of $52,500 | Risk Exposure from Under Insuring Coverage is $45,500 |
| Premium Impact | Insurance cheaper by $100/year | Insurance costlier by $125/year |
| Insurance Company | Allstate | Farmers Insurance | Chubb Group of Insurance |
| Monthly Premium | 36 | 125 | 71 |
| Year Built | 2005 | 1992 | 2013 |
| Home Details | 3 Beds, 1 Baths | 4 Beds, 3 Baths | 5 Beds, 4 Baths |
| Coverage Amount | $250000-$300000 | $600000-$700000 | $400000-$500000 |
| Deductible | $5000 to $10,000 Deductible | $5000 to $10,000 Deductible | $5000 to $10,000 Deductible |