Vista Insurance Rates:

Vista, CA homeowners insurance is approximately $529 to $717, about $44-$59/month. Our exhaustive guide shows customers can save upto $249 by getting multiple quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

Mutual Of Enumclaw
My home insurance offers a bundle discount if i also insure my cars, boat or other vehicles. this makes things a bit more affordable.
Lifeline
One time i was not able to use it because i was out of service and they did not accept my insurance.
Usaa
When a claim is submitted to the company they don't ask a lot of questions. i feel like other companies put you through the ringer to submit a claim.

Vista, CA Homeowners Insurance By Home Value

Vista, CA Home Value Total Homes % of Total Average Vista, CA Homeowners Insurance
Less than $50,000 560 5.0% $43
$50,000 to $59,999 184 1.0% $93
$60,000 to $69,999 175 1.0% $112
$70,000 to $79,999 107 1.0% $130
$80,000 to $89,999 110 1.0% $149
$90,000 to $99,999 154 1.0% $168
$100,000 to $124,999 283 2.0% $193
$125,000 to $149,999 175 1.0% $242
$150,000 to $174,999 355 3.0% $286
$175,000 to $199,999 408 4.0% $330
$200,000 to $249,999 1,106 11.0% $398
$250,000 to $299,999 1,983 20.0% $485
$300,000 to $399,999 4,074 42.0% $623

Top Home Insurance Agents Near Vista, CA

Home Insurance Company Near Vista, CA Homeowners Insurance Agency Near Vista, CA Address
Allstate Agnes Morales 3232 Governor Dr Ste B, San Diego, CA, 92122
Liberty Mutual Independent Cavignac & Assoc Ins Brokers 450 B ST STE 1800, SAN DIEGO, CA, 92101
Farmers Chris Skeeters 151 S Harvard St, Hemet, CA, 92543
State Farm Luke Dix 2424 Vista Way Ste 101, Oceanside, CA, 92054-6170
Travelers Sullivan Curtis Monroe Ins Services Llc 1920 Main Street, Suite 600, Irvine, CA, 92614

Cost Of Homeowners Insurance By Street Near Vista, CA

Streets in Vista Area Homeowners Insurance Cost
Jeffries Ranch Rd, College Bl, Serenidad Pl, Roane Cir, Don Valdez Dr, Decora Cir, Lionshead Ave, Lonsdale Dr, Adriana Ct, University Dr$636
Grapevine Rd, Avilar Ct, Edinburgh Dr, Hill Dr, Vista Grande Dr, Prince Way, Cll Las Moras, Edna Way, Merced Dr, Milos Way$640
Candia Ct, el Paso Alto, Walinca Way, Pso de Anza, Presley Pl, Flametree Rd, Mesa Verde Dr, Lime Pl, Woodrail Dr, Broken Rock Rd$659
N Emerald Dr, Amador Dr, Silver Oak Ln, Corvalla Dr, Carlo St, Viewridge Way, Panorama Rd, Shadowood Cir, Maple Dr, Windsor Ct$631
Tres Ninos Corte, Vista Village Dr, Peacock Blvd, Tarakim Ln, Sunrise Dr, Hannalei Dr, Fortuna Ave, Brengle Way, Ord Way, Via Las Palmas$635
Franklin Ln, Hackamore Rd, Shuboro St, Pomelo Dr, Burke Rd, Old River Rd, Jonathon St, Pruett Dr, Arcadia Ave, Kings Rd$653
Guajome Lake Rd, Blue Sky Ln, Corporate Vw, Raintree Pl, Autumn Ln, Angeles Vista Dr, Aldorado Dr, Robinhood Ln, Warmlands Ave, Lucaya Ct$639
Emma Ln, Parkwood Ave, Thomas St, Live Oak Rd, Crater Rim Dr, Sapphire Ln, Suncrest Ct, Lake Ridge Dr, Bronco Way, Thomas Pl$633
Trotting Horse Rd, Oak Ridge Way, Tierra del Cielo, Terracina Way, Mahogany Dr, Weston Cir, Belmont Park Rd, Rebecca Ave, Manzanita Ct, Surrey Ct$632
Lagan Ave, Coronado Pl, Eaton Way, Sapphire Ln, Fawley Rd, Sarver Ln, Cavern Pl, Wolverine Ter, Gatling Ct, Monte Dore Ln$635

Vista, CA Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Vista$93 to $95
Oceanside-Escondido$94
Oceanside$93
Lake San Marcos$95

Vista, 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
Oceanside-Escondido CCD, San Diego County, California $79 $105 $157
Oceanside city, California $78 $104 $156
Lake San Marcos CDP, California $80 $106 $159

Vista, 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
Vista, CA2.4%11.2%
Oceanside-Escondido2.16%10.52%
Oceanside2.25%11.04%
Lake San Marcos2.52%9.26%

Vista Renters Insurance as a Percentage of Rent

Vista Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$300 to $499 298 2.0% $1237
$500 to $749 613 4.0% $1912
$750 to $999 1,738 11.0% $2662
$1,000 to $1,499 8,931 61.0% $3787
$1,500 or more 2,959 20.0% $5437

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

Coverage ($) Deductible ($) Age of home Company Average homeowners insurance premium ($)
150000500NewUniversal North America300
200000500NewOregon Mutual366
2500001000NewLiberty Ins Corp522
2500001000NewPacific Property And Casualty268
250000500NewIntegon/National601
5000001000NewStillwater Ins Co892
1500005001-3 YearsSafeco458
2000005001-3 YearsStillwater Prop & Cas Co620
25000010001-3 YearsIDS Property Casualty778
3000005001-3 YearsHorace Mann P & C622
40000010001-3 YearsHorace Mann P & C670
50000010001-3 YearsSafeco1152
1500005004-6 YearsLiberty Ins Corp583
1500005004-6 YearsUSAA314
3000005004-6 YearsAAA (Interinsurance Exchange)797
50000010004-6 YearsAIG Prop Cas1447
2000005007-15 YearsGeneral Ins519
2000005007-15 YearsMercury Ins Group541
25000010007-15 YearsKemper713
2500005007-15 YearsAmerican Modern896
3000005007-15 YearsPrivilege Underwriters Exch1777
40000010007-15 YearsAmica Mutual1016
50000010007-15 YearsBankers Standard2009
50000010007-15 YearsMercury Ins Group1004

Vista, CA Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,200$2,200
Yearly Vista Homeowner Insurance Premium Example $800$600
Out of Pocket Expense During Claim$1,200$2,200
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $7,600$7,000
Net Savings to Vista Home Owner from High Deductible Plan $600

Vista, CA Home Insurance Costs With Home Replacement Value Scenarios

Scenario Vista, CA Home Replacement Value MORE than Home Value Vista, CA Home Replacement Value LESS than Home Value
Replacement Value $551,000 $404,000
Insurance Premium based on Replacement Value $1,550 $1,125
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $55,000 Risk Exposure from Under Insuring Coverage is $92,000
Premium Impact Insurance cheaper by $275/year Insurance costlier by $150/year

Example Vista Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company AllstateChubb Group of InsuranceGEICO Insurance
Monthly Premium 1383483
Year Built 198819771993
Home Details 5 Beds, 2 Baths2 Beds, 1 Baths3 Beds, 2 Baths
Coverage Amount $600000-$700000$200000-$250000$400000-$500000
Deductible $500- $1000 Deductible$2500-$5000 Deductible$2500-$5000 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1991 420,000 Composition Roof 2,390 3 $2500-$5000 Deductible 170 2 Brick siding yes
2004 620,000 Wood Shake Roof 4,100 5 $2500-$5000 Deductible 900 8 Stone Siding No
2001 235,000 Composition Roof 1,250 3 $1000-$2500 Deductible 160 4 Stucco siding yes
1994 790,000 Slate Shingles Roof 4,700 5 $500 Deductible 620 4 Fiber-Cement Siding No
2008 310,000 Asphalt Shingles Roof 1,580 2 $1000-$2500 Deductible 560 12 Stucco siding No
1982 315,000 Slate Shingles Roof 1,640 2 $500- $1000 Deductible 410 6 Stone Siding yes
1995 335,000 Membrane Roof 1,700 5 > $10,000 Deductible 250 6 Stone Siding yes
2007 450,000 Membrane Roof 3,150 5 $500 Deductible 200 2 Brick siding yes
1978 255,000 Membrane Roof 1,380 2 $500- $1000 Deductible 680 10 Vinyl siding yes
1995 350,000 Slate Shingles Roof 2,310 4 $1000-$2500 Deductible 250 4 Fiber-Cement Siding yes
1984 370,000 Wood Shake Roof 2,460 5 $5000 to $10,000 Deductible 910 10 Stucco siding No
2002 255,000 Membrane Roof 1,410 2 $5000 to $10,000 Deductible 450 10 Vinyl siding No
1996 235,000 Composition Roof 1,220 3 $500 Deductible 60 1 Stucco siding No
1973 765,000 Asphalt Shingles Roof 4,970 5 $2500-$5000 Deductible 1060 6 Stucco siding No
1997 340,000 Wood Shake Roof 1,284 3 $1000-$2500 Deductible 1220 9 Wood siding yes