Visalia Insurance Rates:

Visalia, CA homeowners insurance is roughly $508 to $688, about $42-$57/month. Our detailed guide reveals consumers can save upto $239 by comparing different quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

Farmer's Insurance
I personally select the deductible, since the higher deductible I choose, the lower premium I paid. Premiums have gone up a bit over the years, but I understand this is a nationwide trend.
I would recommend Allstate for home insurance because there bundles with car insurance are good for what you pay for. It's deductibles are good for middle class families.
Century National
I was glad this company was able to sell me earthquake insurance. i called many companies, and most of them would not even sell a policy for a house made of cinder blocks.
Farmer's Insurance
I am really satisfied with this insurance i have shop around for other insurance company,but no other one beat this one yet.
While comparing to other concern or other insurance company this is the best to do claim or to do other process is easy
Progressive provides all the similar coverages such as fire, theft, vandalism etc. other companies provide this as well but I bundle for good car insurance.
State Farm
Their agents have been very easy to talk to and i appreciate that, rather than it being someone that i can't understand or who seems rude or uncaring.
The company doesn't negotiate premiums. i have been a customer with them for a really long time and i feel like they can work with me on my insurance premium.
State Farm
The state farm provides good insurance service. the customer support answer queries with patience and provides a better insurance plan as per the requirements of the customer
Geico seems to be the cheapest in my area and through the app, on my phone, it makes it easy to view, add or change my policy.
State Farm
I don't use a customer service line for my contact needs with the company, I prefer to speak with our agent directly if I have the need.
We love the fact that it's a nationwide company, but our agents treat us like we are their only customers. They provide personalized service without any hassle and with a smile!
State Farm
Bundling options are nice and kind of prevents me from reaching out to other insurance companies as I would lose some discounts. Good customer service and everyone is nice.
Safeco Insurance
I am happy with the premium because it sufficiently covers our home. The rate I pay is competitive when compared to other insurance companies. This company also provides detailed information about what is covered in my policy.
All state has great coverage at a much lower rate than any other insurer we contacted after buying our house. I rate it a 3 out of 5.
Because I’ve been with them a long time and not had claimed it's pretty low. I don't really think about it since it's included in my mortgage payment. To keep the lowest payment I have to subscribe to our local fire service since in the county island where I live there isn't automatic fire service.
Overall, I am totally satisfied with the insurance company. They treat you with the utmost respect and treat you like family.
They are easy to communicate with and they thoroughly explain my coverage when I have questions about anything on my policy.
I don't dislike them, I found them to have the best price and help with navigating my needs, if I ever need to file a claim and I have issues with that then at that time I may need to re-evaluate.
I would recommend my insurance company the are very throe and have a very good customer service department
Farmer's Insurance
We've always felt that the price has been reasonable and fair, and anytime we've had to deal with them for any given reason, they've always been quick, competent, and helpful in resolving the claims. No complaints from a pricing perspective or a customer service perspective gets a recommendation from me.
I would highly recommend as the premium cost is lower for the same as I have received from other insurance providers.
The company was really easy to get started.
I like that my insurance company is easy to reach and readily available. I don't have to try to chase them down. I also like the coverage they offer for the premium that I am currently paying.
Westfield Insurance
Trustworthy, Dependable, real care and concern for customers, quick claims.

Visalia, CA Homeowners Insurance By Home Value

Visalia, CA Home Value Total Homes % of Total Average Visalia, CA Homeowners Insurance
Less than $50,000 1,361 5.0% $71
$50,000 to $59,999 280 1.0% $161
$60,000 to $69,999 323 1.0% $197
$70,000 to $79,999 310 1.0% $227
$80,000 to $89,999 557 2.0% $263
$90,000 to $99,999 493 2.0% $293
$100,000 to $124,999 2,221 9.0% $340
$125,000 to $149,999 2,484 10.0% $424
$150,000 to $174,999 3,904 16.0% $502
$175,000 to $199,999 2,159 8.0% $580
$200,000 to $249,999 4,303 17.0% $693
$250,000 to $299,999 3,292 13.0% $849
$300,000 to $399,999 2,362 9.0% $1082

Top Home Insurance Agents Near Visalia, CA

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

Visalia, CA Home Insurance Agents for Top Companies

Cost Of Homeowners Insurance By Street Near Visalia, CA

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

Visalia, CA Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Visalia$89 to $91
Patterson Tract$88
West Goshen$89

Visalia, 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
Patterson Tract CDP, California $88 $117 $176
Goshen CDP, California $88 $117 $176
West Goshen CDP, California $89 $119 $179

Visalia, 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
Visalia, CA3.0%12.7%
Patterson Tract3.67%21.43%
West Goshen3.36%11.19%

Visalia Renters Insurance as a Percentage of Rent

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

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

Coverage ($) Deductible ($) Age of home Company Average homeowners insurance premium ($)
1500002501-3 YearsSafeco446
1500002507-15 YearsQBE (Balboa)622
15000025026-40 YearsAmerican Modern805
15000050026-40 YearsIDS Property Casualty646
15000050041-70 YearsUnigard Group598
200000500NewCSE Safeguard552
2000005007-15 YearsFirst American Ins606
2000005007-15 YearsMAPFRE Group600
20000050016-25 YearsCalifornia Capital527
20000050016-25 YearsHorace Mann521
20000050016-25 YearsPacific Specialty789
20000050041-70 YearsQBE (Balboa)911
2500001000NewCalifornia Capital377
25000010007-15 YearsAmica Mutual887
2500005001-3 YearsQBE (Balboa)687
2500005001-3 YearsWestern Mutual/Residence553
2500005004-6 YearsCalifornia Capital544
2500005004-6 YearsPacific Specialty702
2500005007-15 YearsChubb/Federal1197
25000050016-25 YearsPrivilege Underwriters Exch1739
25000050026-40 YearsFirst American Ins735
25000050041-70 YearsForemost Insurance1321

Visalia, CA Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
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

Visalia, CA Home Insurance Costs With Home Replacement Value Scenarios

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

Example Visalia Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Liberty MutualFarmers InsuranceNationwide Insurance
Monthly Premium 654884
Year Built 199019871973
Home Details 3 Beds, 1 Baths4 Beds, 2 Baths5 Beds, 4 Baths
Coverage Amount $200000-$250000$200000-$250000$350000-$400000
Deductible $500 Deductible$500- $1000 Deductible$500 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1981 240,000 Asphalt Shingles Roof 2,180 4 $500 Deductible 60 1 Vinyl siding yes
1971 325,000 Asphalt Shingles Roof 3,130 4 $500- $1000 Deductible 510 10 Wood siding yes
1999 445,000 Composition Roof 4,530 5 $500- $1000 Deductible 120 1 Brick siding No
2001 190,000 Tile Roof 1,470 3 $2500-$5000 Deductible 360 10 Fiber-Cement Siding yes
1992 250,000 Asphalt Shingles Roof 2,120 5 $500- $1000 Deductible 140 3 Wood siding No
2014 170,000 Wood Shake Roof 1,950 3 $1000-$2500 Deductible 30 1 Fiber-Cement Siding No
1986 250,000 Wood Shake Roof 1,920 3 $2500-$5000 Deductible 180 4 Brick siding yes
1989 135,000 Asphalt Shingles Roof 1,410 3 $2500-$5000 Deductible 80 5 Stucco siding No
1982 235,000 Wood Shake Roof 2,180 3 $2500-$5000 Deductible 260 6 Fiber-Cement Siding yes
1976 135,000 Metal Roof 1,370 3 $1000-$2500 Deductible 150 4 Stone Siding No
1976 235,000 Composition Roof 2,550 4 $500- $1000 Deductible 590 12 Stone Siding No
2005 390,000 Asphalt Shingles Roof 3,150 4 $1000-$2500 Deductible 390 6 Vinyl siding yes
1990 355,000 Wood Shake Roof 3,120 5 $500- $1000 Deductible 380 3 Stone Siding No
1973 215,000 Tile Roof 2,220 5 $500 Deductible 390 9 Brick siding No
2002 180,000 Metal Roof 1,670 3 $500 Deductible 100 3 Vinyl siding yes
2008 345,000 Membrane Roof 3,320 4 $500 Deductible 530 7 Fiber-Cement Siding No
1986 295,000 Metal Roof 3,240 4 $5000 to $10,000 Deductible 200 6 Brick siding yes
2014 180,000 Metal Roof 1,970 4 $500 Deductible 50 1 Vinyl siding yes
2014 185,000 Asphalt Shingles Roof 1,440 3 $2500-$5000 Deductible 50 2 Brick siding No
1987 235,000 Asphalt Shingles Roof 1,910 3 $500 Deductible 590 10 Stucco siding yes
1972 205,000 Membrane Roof 2,090 3 > $10,000 Deductible 160 5 Vinyl siding No
2010 245,000 Membrane Roof 2,030 5 $1000-$2500 Deductible 360 8 Brick siding No
1987 275,000 Asphalt Shingles Roof 2,100 4 $2500-$5000 Deductible 270 7 Wood siding No
2007 405,000 Tile Roof 4,140 5 $2500-$5000 Deductible 350 5 Stucco siding No
2002 165,000 Membrane Roof 1,610 4 $5000 to $10,000 Deductible 180 8 Fiber-Cement Siding No
1982 500,000 Asphalt Shingles Roof 4,100 5 $500- $1000 Deductible 90 1 Fiber-Cement Siding No
2004 185,000 Slate Shingles Roof 1,720 4 $500- $1000 Deductible 360 7 Brick siding yes
1976 280,000 Membrane Roof 3,200 4 > $10,000 Deductible 140 3 Stone Siding No
1979 305,000 Composition Roof 2,500 4 $500- $1000 Deductible 970 10 Vinyl siding yes
1988 265,000 Asphalt Shingles Roof 2,164 4 $500 Deductible 490 6 Stucco siding yes

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