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.

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Latest Home Insurance Reviews

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.
Oscar Miston
When i did some minor improvements to my home such as a new coat of exterior paint, my rates increased.
Assurant
I think assurant has a fantastic online web portal and makes navigation very easy for the end user. i am able to view my policy, and change locations if needed online.

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
Travelers Mark Insurance Services 510 E FOOTHILL BLVD STE 105, SAN DIMAS, CA, 91773
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

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
Lomita$96

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%
Lomita2.35%11.0%

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
Deductible$1,300$4,300
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
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