Visalia ,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 Visalia, 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 Visalia, CA is $1300. Enter your zipcode below and click “GO” to get multiple free quotes.
It is important to understand the different coverage options available in Visalia, CA. VHome Insurance will help you navigate the world of homeowners insurance coverages in Visalia, CA.
| Coverage Level | Average Annual Premium |
|---|---|
| $100,000 | $520 |
| $200,000 | $884 |
| $300,000 | $1,092 |
| $400,000 | $1,664 |
| $500,000 | $2,093 |
Home insurance costs in Visalia 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 |
|---|---|
| 093291 | $1,237 |
| 93292 | $1,227 |
| 93277 | $1,228 |
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 Visalia, CA, and how to choose the right one for your needs.
| Deductible Level | Average Annual Premium |
|---|---|
| $500 Deductible | $1,333 |
| $1000 Deductible | $1,192 |
| $1500 Deductible | $1,125 |
| $2500 Deductible | $1,014 |
| $5000 Deductible | $858 |
| Home Insurance Company Near Visalia, CA | Homeowners Insurance Agency Near Visalia, CA | Address |
|---|---|---|
| State Farm | Karen Barry-Ennis | 1205 E Olive Ave, Fresno, CA, 93728-3608 |
| Farmers | Leticia Saldana-Ricks | 2224 W Tahoe Ave, Caruthers, CA, 93609 |
| Farmers | Ronald "Ron" Dias | 7942 N Maple Ave Ste 111, Fresno, CA, 93720 |
| Liberty Mutual Independent | Vermillion & Assoc Ins Agency | 1370 JENSEN AVE STE D, SANGER, CA, 93657 |
| Farmers | William Daly | 1600 W Mineral King Ave, Visalia, CA, 93291 |
| Place | 1 Car Bundle Savings On Insurance | 2 Car Bundle Savings On Insurance | 3 Car Bundle Savings On Insurance |
|---|---|---|---|
| Patterson Tract CDP, California | $88 | $117 | $176 |
| Goshen CDP, California | $88 | $117 | $176 |
| West Goshen CDP, California | $89 | $119 | $179 |
| Place | Home insurance as a % of housing cost for homes with mortgage | Home insurance as a % of housing cost for homes without mortgage |
|---|---|---|
| Visalia, CA | 3.0% | 12.7% |
| Patterson Tract | 3.67% | 21.43% |
| Goshen | 5.74% | 16.14% |
| West Goshen | 3.36% | 11.19% |
| Visalia Home By Monthly Rent | Total Homes | % of Total | Estimated Monthly Income To Afford Rented House Including Renters Insurance |
|---|---|---|---|
| $200 to $299 | 269 | 1.0% | $801 |
| $300 to $499 | 863 | 5.0% | $1251 |
| $500 to $749 | 3,312 | 20.0% | $1926 |
| $750 to $999 | 4,725 | 28.0% | $2676 |
| $1,000 to $1,499 | 5,155 | 31.0% | $3801 |
| $1,500 or more | 1,913 | 11.0% | $5451 |
| Streets in Visalia Area | Homeowners Insurance Cost |
|---|---|
| Ensminger Ave, Ave 276, W Cecil Ave, W Cutler Ave, S Bollinger St, W Monte Vista Ct, W Vine Ave, Pearl St, S Jackie Ct, S Cotta St | $593 |
| S Citrus Ct, N Duke Ct, W Country Ct, S Kent St, S Crumal St, W Elowin Ave, W Oriole Ct, Ave 305, Rd 121, E Evergreen Ave | $586 |
| S Sallee Ln, S Manzanita St, N Enos St, S Chinowth Rd, Curtis Ct, S Clark St, S Vintage St, Park Ct, W Delta Ct, N Aspen Ct | $595 |
| W Taylor Ave, E Westcott Ave, Yale St, W McHughes Ave, E Princeton Ave, N Central Ct, W Center Ave, Santa Fe St, S Bradley Ct, W Vassar Ct | $587 |
| E Cathie Ct, E Harvard Ave, E Judy Ave, W Roosevelt Ave, Sierra View Rd, Chelsea Rd, E Evergreen Ave, S Silvervale St, W Evergreen Ct, S Mc Auliff St | $601 |
| Co Hwy J34, N Floral St, Lincoln Oval, Westmont Ave, N Marcin St, Crenshaw, Martin St, S McAuliff St, Leslie Ct, W Westmont Ave | $596 |
| N Locust St, N Atwood Ct, State Hwy 99 N, E Goshen Ave, E Lark Ave, Simon Dr, S Cindy Ct, W Redding Ct, E Rose Ave, N Canary Dr | $589 |
| E Reese Ave, N Anthony St, N Anthony Ct, E Cherry Ave, NE 5th Ave, W Elkhorn Ct, Cherry, Virmargo St, N Park Ct, S Willis St | $585 |
| N Rossmoor St, S Mary Dr, Huntington St, W Loyola Ct, Oak View St, N Crenshaw St, E Acequia Ave, Cindy Ct, S Tipton St, Dayton | $595 |
| S Cedar St, E Feemster Ave, N Sallee St, Omalley St, S Bradley Ct, Duke Ct, Central St, W Elkhorn Ave, S Woodland St, S Parkwood St | $585 |
| Place | Savings For Senior Occupied Homes |
|---|---|
| Visalia | $89 to $91 |
| Patterson Tract | $88 |
| West Goshen | $89 |
| Farmersville | $87 |
| Coverage ($) | Deductible ($) | Age of home | Company | Average homeowners insurance premium ($) |
|---|---|---|---|---|
| 150000 | 250 | 1-3 Years | Safeco | 446 |
| 150000 | 250 | 7-15 Years | QBE (Balboa) | 622 |
| 150000 | 250 | 26-40 Years | American Modern | 805 |
| 150000 | 500 | 26-40 Years | IDS Property Casualty | 646 |
| 150000 | 500 | 41-70 Years | Unigard Group | 598 |
| 200000 | 500 | New | CSE Safeguard | 552 |
| 200000 | 500 | 7-15 Years | First American Ins | 606 |
| 200000 | 500 | 7-15 Years | MAPFRE Group | 600 |
| 200000 | 500 | 16-25 Years | California Capital | 527 |
| 200000 | 500 | 16-25 Years | Horace Mann | 521 |
| 200000 | 500 | 16-25 Years | Pacific Specialty | 789 |
| 200000 | 500 | 41-70 Years | QBE (Balboa) | 911 |
| 250000 | 1000 | New | California Capital | 377 |
| 250000 | 1000 | 7-15 Years | Amica Mutual | 887 |
| 250000 | 500 | 1-3 Years | QBE (Balboa) | 687 |
| 250000 | 500 | 1-3 Years | Western Mutual/Residence | 553 |
| 250000 | 500 | 4-6 Years | California Capital | 544 |
| 250000 | 500 | 4-6 Years | Pacific Specialty | 702 |
| 250000 | 500 | 7-15 Years | Chubb/Federal | 1197 |
| 250000 | 500 | 16-25 Years | Privilege Underwriters Exch | 1739 |
| 250000 | 500 | 26-40 Years | First American Ins | 735 |
| 250000 | 500 | 41-70 Years | Foremost Insurance | 1321 |
| Low Deductible | High Deductible | |
|---|---|---|
| Deductible | $500 | $1,500 |
| Yearly Visalia Homeowner Insurance Premium Example | $800 | $600 |
| Out of Pocket Expense During Claim | $500 | $1,500 |
| Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim | $6,900 | $6,300 |
| Net Savings to Visalia Home Owner from High Deductible Plan | $600 | |
| Scenario | Visalia, CA Home Replacement Value MORE than Home Value | Visalia, CA Home Replacement Value LESS than Home Value |
|---|---|---|
| Replacement Value | $234,000 | $138,500 |
| Insurance Premium based on Replacement Value | $750 | $450 |
| Risk Exposure from Under Insuring Coverage | Unnecessary Home Insurance Coverage of $41,500 | Risk Exposure from Under Insuring Coverage is $54,000 |
| Premium Impact | Insurance cheaper by $175/year | Insurance costlier by $125/year |
| Insurance Company | Liberty Mutual | Farmers Insurance | Nationwide Insurance |
| Monthly Premium | 65 | 48 | 84 |
| Year Built | 1990 | 1987 | 1973 |
| Home Details | 3 Beds, 1 Baths | 4 Beds, 2 Baths | 5 Beds, 4 Baths |
| Coverage Amount | $200000-$250000 | $200000-$250000 | $350000-$400000 |
| Deductible | $500 Deductible | $500- $1000 Deductible | $500 Deductible |