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.
| Home Insurance Company Near Vista, CA | Homeowners Insurance Agency Near Vista, CA | Address |
|---|---|---|
| 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 |
| 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 |
| 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 |
| Place | Home insurance as a % of housing cost for homes with mortgage | Home insurance as a % of housing cost for homes without mortgage |
|---|---|---|
| Vista, CA | 2.4% | 11.2% |
| Oceanside-Escondido | 2.16% | 10.52% |
| Oceanside | 2.25% | 11.04% |
| Lake San Marcos | 2.52% | 9.26% |
| 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 |
| 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 |
| Place | Savings For Senior Occupied Homes |
|---|---|
| Vista | $93 to $95 |
| Oceanside-Escondido | $94 |
| Oceanside | $93 |
| Lake San Marcos | $95 |
| Coverage ($) | Deductible ($) | Age of home | Company | Average homeowners insurance premium ($) |
|---|---|---|---|---|
| 150000 | 500 | New | Universal North America | 300 |
| 200000 | 500 | New | Oregon Mutual | 366 |
| 250000 | 1000 | New | Liberty Ins Corp | 522 |
| 250000 | 1000 | New | Pacific Property And Casualty | 268 |
| 250000 | 500 | New | Integon/National | 601 |
| 500000 | 1000 | New | Stillwater Ins Co | 892 |
| 150000 | 500 | 1-3 Years | Safeco | 458 |
| 200000 | 500 | 1-3 Years | Stillwater Prop & Cas Co | 620 |
| 250000 | 1000 | 1-3 Years | IDS Property Casualty | 778 |
| 300000 | 500 | 1-3 Years | Horace Mann P & C | 622 |
| 400000 | 1000 | 1-3 Years | Horace Mann P & C | 670 |
| 500000 | 1000 | 1-3 Years | Safeco | 1152 |
| 150000 | 500 | 4-6 Years | Liberty Ins Corp | 583 |
| 150000 | 500 | 4-6 Years | USAA | 314 |
| 300000 | 500 | 4-6 Years | AAA (Interinsurance Exchange) | 797 |
| 500000 | 1000 | 4-6 Years | AIG Prop Cas | 1447 |
| 200000 | 500 | 7-15 Years | General Ins | 519 |
| 200000 | 500 | 7-15 Years | Mercury Ins Group | 541 |
| 250000 | 1000 | 7-15 Years | Kemper | 713 |
| 250000 | 500 | 7-15 Years | American Modern | 896 |
| 300000 | 500 | 7-15 Years | Privilege Underwriters Exch | 1777 |
| 400000 | 1000 | 7-15 Years | Amica Mutual | 1016 |
| 500000 | 1000 | 7-15 Years | Bankers Standard | 2009 |
| 500000 | 1000 | 7-15 Years | Mercury Ins Group | 1004 |
| Low Deductible | High 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 | |
| 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 |
| Insurance Company | Allstate | Chubb Group of Insurance | GEICO Insurance |
| Monthly Premium | 138 | 34 | 83 |
| Year Built | 1988 | 1977 | 1993 |
| Home Details | 5 Beds, 2 Baths | 2 Beds, 1 Baths | 3 Beds, 2 Baths |
| Coverage Amount | $600000-$700000 | $200000-$250000 | $400000-$500000 |
| Deductible | $500- $1000 Deductible | $2500-$5000 Deductible | $2500-$5000 Deductible |