Torrance Insurance Rates:

Torrance, CA homeowners insurance is roughly $567 to $766, about $47-$63/month. Our all inclusive research shows customers can save as much as $266 by getting different 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

I am sure that we don't have the "bells and whistles," compared to more thorough policies. However, I feel that Allstate offered everything we were looking for in a homeowner's insurance policy.
The other company policies in the area included Geico and Allstate. Both companies were quite unhelpful. In addition, Allstate is still harassing me about using their insurance.
I have Allstate for everything. I think their prices on what they offer is very good and I would never change to anyone else.
Fremont Home Insurance
That is fairly generous. especially if anything happens they will put us in a rental and take care of everything. they have a guarantee.
Liberty Mutual
I would recommend this company for home insurance because it gives you a lot more coverage than most of the other home insurances out there.
Liberty Mutual
I do not have to play computer phone games to get what I need. I can immediately have a dialect with a real person, and I do not have to deal with a clunky computer system.
State Farm
I have never had to use it so I'm not completely sure if it plays out like it completely should be good. like I mentioned before the situation I have to be careful so that I won't just get charged for doing something wrong
Farmer's Insurance
Farmer's Insurance deductible is very much the same compared to other coverages. I don't think you can expect any changes from that. You'll find the rate and coverage to be what's better. My coverage for living expense.
The company that i use has always had the best premium and deductible policies,policy offerings, and customer service compared to other insurance companies for me. I love my home insurance company
State Farm
I like that my insurance company works fast and always calls me back within a few hours if i try to contact them.
The Hartford
When i did some minor improvements to my home such as a new coat of exterior paint, my rates increased.
Customer service was very informative when asked about the reduction in premiums. I have not needed to have another communication.
State Farm
Always available to speak and answer any questions in a timely manner. Pleasant and professional on the phone. Good to hear in these days.
State Farm
It is hard answering this. I only spoke with an agent on one occasion which was when I signed up so it is hard to rate this.
Stillwater Insurance Group
So far the interaction/communication has not been a problem.
I can't even think of a reason not to absolutely love this company. They really do have you in good hands.
State Farm
Communication with them was great. I could get ahold of them very quickly and email and leave a message to call me at a certain time or at their convenience and knew every time I would receive that call I needed and they were prepared to talk to me about whatever.
Their overall customer service is poor and I don't feel they are fair with their rates compared to other. I just have not taken the time to shop around for rates, I prefer to not changes things all the time
State Farm
They meet my needs, are friendly and reliable, and they offer great value. There are agents everywhere, so when I move I'll have no trouble transferring my coverage.
Stillwater Insurance Group
I would have liked if they paid for the plumber. I had an issue, so I needed a plumber to fix it, but they only pay for the damage, not for the plumber, I don't quite get it, but that is their policy, so it is what it is. But it would have saved me a bunch of money.
Stillwater Insurance Group
They are part of a national company, so you can get coverage through them no matter where you live. The price is good, and I would recommend them even though I personally have not had any claims or interactions with them yet.
I would recommend our insurance company because of how personal the service is. They know you by name and are always just a phone call away for help.
State Farm
The only reason I would recommend State Farm to someone is because my ex girlfriends daughter is or was an agent there and she is very easy on the eyes.
I highly recommend this company to my friend and family members because I am satisfied with that company
I am completely satisfied with Nationwide Insurance and would recommend this insurance company over Erie Insurance. My coverage is much better and my payments don't keep going up.
We havent had much contact with our insurance agency other than setting up insurance, but when we did, the process was very smooth and simple.
The company covers by home, car, and rental insurance needs without any problems.
State Farm
Really the only negative thing I don't like about the company is the mobile app, it's difficult to navigate to the point where I just deleted the app from my phone altogether.
I don't have much interaction with the company itself. I mainly deal with the best agent ever. I don't have any complaints about the company though.

Torrance, CA Homeowners Insurance By Home Value

Torrance, CA Home Value Total Homes % of Total Average Torrance, CA Homeowners Insurance
Less than $50,000 402 9.0% $26
$50,000 to $59,999 130 3.0% $53
$60,000 to $69,999 77 1.0% $66
$70,000 to $79,999 134 3.0% $80
$80,000 to $89,999 89 2.0% $86
$90,000 to $99,999 58 1.0% $100
$100,000 to $124,999 159 3.0% $113
$125,000 to $149,999 46 1.0% $146
$150,000 to $174,999 156 3.0% $173
$175,000 to $199,999 148 3.0% $200
$200,000 to $249,999 337 8.0% $240
$250,000 to $299,999 436 10.0% $293
$300,000 to $399,999 1,915 46.0% $373

Top Home Insurance Agents Near Torrance, CA

Home Insurance Company Near Torrance, CA Homeowners Insurance Agency Near Torrance, CA Address
State Farm Carol Robinson 2615 Pch Hwy Ste 221, Hermosa Beach, CA, 90254-2228
State Farm Elaine Lavine 34080 Gldn Lantern St Ste 105, Dana Point, CA, 92629-2679
Allstate James Astorino 3371 Glendale Blvd # 218, Los Angeles, CA, 90039
Allstate Jay Shah 4747 W El Segundo Blvd Ste 201, Hawthorne, CA, 90250
Travelers Mark Insurance Services 510 E FOOTHILL BLVD STE 105, SAN DIMAS, CA, 91773

Torrance, CA Home Insurance Agents for Top Companies

Cost Of Homeowners Insurance By Street Near Torrance, CA

Streets in Torrance Area Homeowners Insurance Cost
Woodbury Dr, Regina Ave, Cheryl Dr, Shadycroft Ave, Cll de Madrid, Galva Ave, Kingsdale Ave, Doris Way, 234th St, Talisman St$649
Via Estrellita, Kashiwa St, 232nd St, 190th St, Clarellen St, 175th Pl, Ermanita Ave, W 185th St, Cll de Andalucia, Pso de Las Tortugas$714
Henrietta St, Tiffany Ct, Dorman Ave, Huber Ave, Kathy Way, Warmside Ave, Via Colusa, Juniper Ave, Ogram Ave, W 228th Pl$674
Perkins Ave, Amie Ave, Asteria St, W 244th St, Pitcairn Way, Windmill Rd, Earl St, Redbeam Ave, Alix Ct, Shadycroft Ave$673
Roselle Ave, Gramercy Ave, Pso de la Playa, Cambridge Way, Adolph Ave, Donora Ave, Sonoma St, Brighton Way, Merrill St, Cam de la Costa$692
Leyte Dr, January Dr, Amie Ave, Carmelynn St, Cam de Las Colinas, Pso de Suenos, Eldorado St, Reynosa Dr, Cll de Felipe, W 170th St$703
W 236th St, Gerkin Ave, Romano Pl, Ferrocarril Ave, Via Valencia, Cravens Ave, W 236th St, 235th Pl, Via la Selva, Roslin Ave$663
Robinson Way, Pso de Gracia, Nancylee Ln, Darien St, W 181st St, Carellen St, Towers St, Toluca Ave, del Amo Center, Gramercy Ave$704
Eastwood Ct, Illinois Ct, Mullin Ave, Donora Ave, Whiffletree Ln, Deelane St, Via Buena Ventura, Leyte Dr, Portobello Dr, Cathann St$647
Bigelow Rd, Oakbay Rd, W 232nd St, el Prado Ave, Rockview Dr, Blair Way, Sonoma St, Mariner Ave, W 237th St, Evalyn Ave$665

Torrance, CA Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Torrance$99 to $102
Redondo Beach$102
West Carson$94

Torrance, 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
Redondo Beach city, California $102 $136 $204
West Carson CDP, California $94 $125 $188
Lomita city, California $96 $128 $192

Torrance, 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
Torrance, CA2.1%12.8%
Redondo Beach1.7%11.12%
West Carson2.5%12.44%

Torrance Renters Insurance as a Percentage of Rent

Torrance Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 325 1.0% $764
$300 to $499 361 1.0% $1214
$500 to $749 837 3.0% $1889
$750 to $999 2,383 10.0% $2639
$1,000 to $1,499 9,702 41.0% $3764
$1,500 or more 9,513 41.0% $5414

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

Coverage ($) Deductible ($) Age of home Company Average homeowners insurance premium ($)
1500002504-6 YearsUnigard Group810
1500002507-15 YearsChubb/Federal1767
1500002507-15 YearsMAPFRE Group722
1500002507-15 YearsMetropolitan Direct1126
15000025016-25 YearsAmerican Modern738
1500005004-6 YearsAmica Mutual725
1500005007-15 YearsAmerican Reliable798
15000050016-25 YearsGeneral Ins411
15000050016-25 YearsUniversal North America781
15000050026-40 YearsKemper965
15000050041-70 YearsBankers Standard3971
200000500NewAIG Prop Cas1083
200000500NewUniversal North America460
2000005007-15 YearsIDS Property Casualty797
20000050026-40 YearsMercury Ins Group534
20000050026-40 YearsStillwater Prop & Cas Co776
20000050041-70 YearsCalifornia Casualty861
25000010004-6 YearsFirst American Ins1039
25000010004-6 YearsPacific Specialty628
250000100016-25 YearsMAPFRE Group901
250000100016-25 YearsMetropolitan Direct1445
250000100016-25 YearsUniversal North America983

Torrance, CA Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Yearly Torrance Homeowner Insurance Premium Example $2,200$1,700
Out of Pocket Expense During Claim$1,300$4,300
Total Home Insurance Premium for 7 years + Out of Pocket Expense for Claim $16,700$16,200
Net Savings to Torrance Home Owner from High Deductible Plan $500

Torrance, CA Home Insurance Costs With Home Replacement Value Scenarios

Scenario Torrance, CA Home Replacement Value MORE than Home Value Torrance, CA Home Replacement Value LESS than Home Value
Replacement Value $971,000 $566,500
Insurance Premium based on Replacement Value $3,400 $1,975
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $242,500 Risk Exposure from Under Insuring Coverage is $162,000
Premium Impact Insurance cheaper by $575/year Insurance costlier by $850/year

Example Torrance Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Amica Mutual Insurance CompanyAllstateLiberty Mutual
Monthly Premium 15663127
Year Built 196019701984
Home Details 5 Beds, 4 Baths3 Beds, 1 Baths2 Beds, 1 Baths
Coverage Amount More than 10000000$300000-$350000$500000-$600000
Deductible > $10,000 Deductible$1000-$2500 Deductible$500- $1000 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1975 665,000 Metal Roof 1,920 3 > $10,000 Deductible 890 10 Stucco siding No
1971 910,000 Wood Shake Roof 2,660 4 $500- $1000 Deductible 2840 12 Brick siding yes
1979 875,000 Wood Shake Roof 2,570 4 $5000 to $10,000 Deductible 1210 7 Wood siding yes
1970 845,000 Shingles Roof 3,340 4 $500 Deductible 1020 6 Fiber-Cement Siding No
1982 430,000 Tile Roof 1,740 2 $2500-$5000 Deductible 750 10 Fiber-Cement Siding No
1978 585,000 Wood Shake Roof 1,790 2 $500 Deductible 430 3 Fiber-Cement Siding No
1989 430,000 Shingles Roof 1,850 3 $500- $1000 Deductible 260 3 Vinyl siding yes
1973 975,000 Slate Shingles Roof 3,460 5 $500- $1000 Deductible 2070 9 Brick siding No
1962 575,000 Composition Roof 2,420 5 > $10,000 Deductible 380 4 Brick siding No
1961 430,000 Composition Roof 1,770 2 $1000-$2500 Deductible 970 12 Vinyl siding No
1973 480,000 Metal Roof 1,730 2 $500 Deductible 490 4 Stone Siding No
1982 365,000 Membrane Roof 1,090 2 > $10,000 Deductible 510 10 Stucco siding yes
1971 350,000 Wood Shake Roof 1,230 2 > $10,000 Deductible 400 8 Stone Siding yes
1974 465,000 Slate Shingles Roof 1,710 2 $1000-$2500 Deductible 670 5 Fiber-Cement Siding No
1961 835,000 Shingles Roof 2,560 4 $500- $1000 Deductible 1380 9 Brick siding No
1975 725,000 Shingles Roof 2,250 4 $1000-$2500 Deductible 1360 10 Wood siding yes
1962 295,000 Slate Shingles Roof 1,090 2 $500 Deductible 600 8 Stone Siding yes
1980 355,000 Membrane Roof 1,240 3 $500- $1000 Deductible 1200 12 Wood siding No
1977 365,000 Asphalt Shingles Roof 1,480 2 > $10,000 Deductible 70 1 Wood siding No
1968 310,000 Membrane Roof 1,030 2 $500 Deductible 160 2 Brick siding yes
1966 590,000 Shingles Roof 1,710 3 $1000-$2500 Deductible 1020 8 Vinyl siding No
1963 1,385,000 Tile Roof 4,220 5 > $10,000 Deductible 490 3 Vinyl siding No
1976 1,255,000 Slate Shingles Roof 4,180 5 $1000-$2500 Deductible 1460 8 Wood siding No
1977 400,000 Slate Shingles Roof 1,620 2 > $10,000 Deductible 150 4 Vinyl siding yes
1962 360,000 Membrane Roof 1,340 2 $5000 to $10,000 Deductible 220 4 Fiber-Cement Siding No
1971 255,000 Shingles Roof 1,080 2 $5000 to $10,000 Deductible 50 1 Stucco siding yes
1970 1,015,000 Metal Roof 4,070 5 $500 Deductible 1460 7 Vinyl siding yes
1980 965,000 Wood Shake Roof 3,460 5 > $10,000 Deductible 850 7 Wood siding No
1988 325,000 Slate Shingles Roof 1,130 2 $500 Deductible 450 6 Vinyl siding No
1965 440,000 Slate Shingles Roof 1,310 3 $500- $1000 Deductible 70 1 Stucco siding No
1963 450,000 Tile Roof 1,058 2 > $10,000 Deductible 550 5 Brick siding yes

How To Make Your Torrance, CA Home Insurance Cheaper

How Much Does Torrance, CA Home Insurance Cost?