Temecula Insurance Rates:

Temecula, CA homeowners insurance is roughly $524 to $710, about $43-$59/month. Our thorough analysis shows customers can save upto $246 by getting many quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

The policy offerings are a lot better than others that I have had in the past. There is multiple choices available. In addition, the choices that I have available are pretty cool.
my deductible is average I don't think its any worse than any other companies I have around a 1000 deductible.
Our experience with our insurance company has been minimal and I hope it continues to be so. Our main experience with them has been in relation to our car insurance and we were completely satisfied with that.
sure i would recommend my friends and neighbors to get relation with this company . And get great offer throughout their plans
State Farm
They have great customer service. This company responds promptly when contacted about any insurance issues.They also have banking and credit cards. I have had my business with them since 2007 and have no complaints.
The premium is reasonable and the deductibles are reasonable as well. They do have lots of special offers and discount programs and if you have good records you can get better prices.
I would recommend my insurance company simply because the agents are nice to work with. They are approachable and attempt to answer my questions.
Farmer's Insurance
I highly recommend Farmer's Insurance for home insurance. They are an excellent company and have been in business for many years.
Liberty Mutual
I am never totally committed to any insurance company as I am always shopping around and looking for better deals. So if tomorrow I find a better deal, I would switch from Liberty Mutual without hesitation.
State Farm
The premium is compatible with other companies but I feel like if I would go and shop for new insurance I would not get a better offer. The deductible is affordable and fair I think.
State Farm
Most insurers set the average minimum homeowners deductible at $1,000, while others put the minimum at $500. Most insurers will allow you to raise the deductible if you'd like.
State Farm
My experience with State Farm, my home insurance company's customer service is wonderful. The customer service representatives are always willing to help me out and answer any questions that I have.
My premium on my insurance plan through Allstate Insurance is amazing. And my deductible is great as well. I feel like Allstate really connects with their customers on a more personal, family level of kindness.
I think that anyone should do research to find a policy ad company that fits their needs and goals for their home
The Hartford
It can be hard to change how much i pay on a monthly basis. would prefer it if i could change the policy from time to time.
State Farm
They were there for me during my automobile crash where i got rear-ended, and they helped cover my fees.
State Farm
I have few issues with State Farm. They are usually very helpful. The cost of auto insurance can be a little high occasionally but overall it is worth it for the service you receive.
Old Republic Home Protection
The truth i had a very negative experience with my home warranty through the old republic home protection. within a few months of purchasing my very first home, my downstairs toilet had a plumbing problem and flooded most of the first floor in my house after taking a shower. i immediately contacted the old republic to have them send somebody out to fix the issue. they sent out a plumber who apparently couldn't find the main cleanout to fix the clog in the plumbing. the plumber told me he fixed the issue by using a secondary clean out to unclog the pipes. the water backup issue seemed to be fixed until three days later when again, the water backed up after taking another shower and flooded the first floor yet again! i called the old republic once again, but they told me that because it was a holiday weekend, that i would need to wait until monday to have somebody come out to my house. it was friday late afternoon when this took place, so you could imagine my frustration. i ended up having to call a local plumber to come fix the issue the next day as i have a two-year-old child and having sewer water backing up into my house is downright dangerous. the plumber told me that he had to remove the downstairs toilet to fix the clog in the pipes. it only took him approximately 20 minutes to finish the job, but i had to pay around $350 out of pocket. when i called the old republic to ask to be reimbursed for the plumbing job, they not only denied my request, they told me that i owed them $60 for the deductible when they sent the original plumber out to my house!
Well I liked it more than all the effective and responsible in that company, and because at the moment of truth are always and respond quickly
State Farm
Texas tends to be higher than other states, and so given other companies and areas of the country, I really am pretty ambivalent about the current premium.
My agent calls me every year to go over my policy. He inquires about changes in the property to see if we need to increase or decrease our coverage.
I like the company because of its great service and also because of the time they take to make a client feel special. I like the staff and customer service.
it's company with good reputation and nice customer service.
There is nothing I can say I dislike about the company, perhaps their auto rates are a bit high for me but I have enough on my record to justify a higher rate.
State Farm
Allied Insurance
Yes, I've been with them for a while and I continue to recommend them to all of my friends and colleagues who chose to protect their homes. Referrals has also helped with lowering my premium when it's time to renew.
I will be a Nationwide customer for life. Nationwide is willing to provide fair prices on premiums and deductibles, as well as a discount if I bundle services. They provide me with new belongings if something happens, instead of a lowball estimate due to depreciation. If I ever have a problem, I know their representatives will take care of me. Nationwide values my business, treats me with respect, and cares about my family. Nationwide's slogan - On your side - represents what they truly stand for in their company.
State Farm
Yes, I will recommend the company. The price is good compared to other companies with the same coverage. And very nice customer service.
State Farm
I recommend Statefarm company because they provide great policies for your home needs, they also walk a customer through any insurance claims that a customer may need to make.
Liberty Mutual
I have never had an issue with getting in touch with my insurance company. I usually deal with one person every time.
They satisfy the requirements of my mortgage lender and they're really good at collecting g money every year.
State Farm
I have had State Farm for about ten years now. Customer service has always been excellent. I have never had a problem, everyone is ready to answer your questions.
I have been with them for a long time and they have been there when I need them so I have no complaints

Temecula, CA Homeowners Insurance By Home Value

Temecula, CA Home Value Total Homes % of Total Average Temecula, CA Homeowners Insurance
Less than $50,000 348 2.0% $49
$100,000 to $124,999 256 1.0% $215
$125,000 to $149,999 307 1.0% $271
$150,000 to $174,999 587 3.0% $320
$175,000 to $199,999 624 3.0% $370
$200,000 to $249,999 3,641 21.0% $444
$250,000 to $299,999 3,683 22.0% $542
$300,000 to $399,999 7,149 42.0% $691

Top Home Insurance Agents Near Temecula, CA

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

Temecula, CA Home Insurance Agents for Top Companies

Cost Of Homeowners Insurance By Street Near Temecula, CA

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

Temecula, CA Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Temecula$92 to $94
French Valley$91

Temecula, 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
Murrieta CCD, Riverside County, California $77 $102 $153
Rainbow CDP, California $79 $105 $157
French Valley CDP, California $77 $102 $153

Temecula, 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
Temecula, CA2.1%9.5%
French Valley1.98%8.85%

Temecula Renters Insurance as a Percentage of Rent

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

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

Coverage ($) Deductible ($) Age of home Company Average homeowners insurance premium ($)
150000500NewAmerican Modern568
150000500NewGeneral Ins259
2500001000NewCentury National432
2500001000NewGeneral Ins343
2500001000NewMercury Ins Group283
250000500NewBankers Standard1589
300000500NewStillwater Prop & Cas Co609
5000002500NewAmerican Reliable961
7500002500NewCentury National1045
1500005001-3 YearsAAA (Interinsurance Exchange)265
2000005001-3 YearsKemper552
2500005001-3 YearsMercury Ins Group364
3000005001-3 YearsGeneral Ins485
3000005001-3 YearsHorace Mann P & C622
75000025001-3 YearsHorace Mann706
75000025001-3 YearsIDS Property Casualty1969
1500005004-6 YearsAmerican Reliable444
25000010004-6 YearsIDS Property Casualty879
25000010004-6 YearsState Farm753
3000005004-6 YearsNationwide901
1500002507-15 YearsStillwater Prop & Cas Co704
1500005007-15 YearsGeneral Ins457
1500005007-15 YearsIntegon/National621

Temecula, CA Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
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

Temecula, CA Home Insurance Costs With Home Replacement Value Scenarios

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

Example Temecula Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company AllstateFarmers InsuranceChubb Group of Insurance
Monthly Premium 3612571
Year Built 200519922013
Home Details 3 Beds, 1 Baths4 Beds, 3 Baths5 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

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
2010 470,000 Membrane Roof 2,890 5 $1000-$2500 Deductible 310 4 Vinyl siding yes
1998 200,000 Asphalt Shingles Roof 1,570 3 $1000-$2500 Deductible 300 8 Stone Siding No
2010 375,000 Metal Roof 2,320 3 $5000 to $10,000 Deductible 160 3 Stone Siding No
2009 560,000 Slate Shingles Roof 3,210 4 $2500-$5000 Deductible 780 6 Stucco siding No
2013 450,000 Tile Roof 2,900 5 $500 Deductible 360 4 Wood siding No
1996 330,000 Slate Shingles Roof 1,860 3 $500 Deductible 590 7 Vinyl siding yes
2009 420,000 Slate Shingles Roof 2,710 5 $500 Deductible 1080 8 Wood siding yes
2010 260,000 Metal Roof 1,890 3 $500 Deductible 330 4 Vinyl siding No
1991 295,000 Asphalt Shingles Roof 2,310 3 > $10,000 Deductible 40 1 Vinyl siding yes
1999 460,000 Tile Roof 2,950 4 > $10,000 Deductible 520 7 Brick siding yes
1998 395,000 Tile Roof 2,870 4 $1000-$2500 Deductible 590 8 Vinyl siding No
2010 360,000 Composition Roof 2,550 5 $5000 to $10,000 Deductible 270 4 Wood siding yes
2007 280,000 Asphalt Shingles Roof 1,810 4 $500 Deductible 110 2 Fiber-Cement Siding No
2007 495,000 Shingles Roof 3,290 5 > $10,000 Deductible 370 7 Fiber-Cement Siding No
1992 215,000 Slate Shingles Roof 1,610 4 $5000 to $10,000 Deductible 140 5 Stucco siding yes
2003 255,000 Metal Roof 1,520 3 $500 Deductible 270 5 Stucco siding No
2006 360,000 Wood Shake Roof 2,020 3 > $10,000 Deductible 220 7 Stucco siding yes
2011 320,000 Composition Roof 1,710 4 $500- $1000 Deductible 620 7 Stone Siding No
2007 335,000 Shingles Roof 1,900 3 > $10,000 Deductible 320 9 Stone Siding No
1999 400,000 Composition Roof 2,310 3 $500- $1000 Deductible 1090 12 Wood siding No
2009 255,000 Asphalt Shingles Roof 1,440 3 $5000 to $10,000 Deductible 430 12 Vinyl siding yes
1998 415,000 Slate Shingles Roof 2,220 5 $5000 to $10,000 Deductible 430 7 Vinyl siding yes
2001 485,000 Slate Shingles Roof 3,240 5 $5000 to $10,000 Deductible 860 9 Wood siding yes
1992 345,000 Composition Roof 1,950 5 $2500-$5000 Deductible 190 3 Vinyl siding No
2012 285,000 Shingles Roof 1,640 4 $2500-$5000 Deductible 130 2 Stucco siding yes
2004 385,000 Wood Shake Roof 2,460 4 $500- $1000 Deductible 490 6 Vinyl siding No
1999 530,000 Tile Roof 3,050 4 $500- $1000 Deductible 450 3 Stucco siding yes
1996 335,000 Tile Roof 2,340 4 > $10,000 Deductible 260 5 Stucco siding No
2011 390,000 Slate Shingles Roof 2,450 5 $1000-$2500 Deductible 570 6 Vinyl siding No
1992 250,000 Composition Roof 1,409 2 $500- $1000 Deductible 770 10 Stone Siding No

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