West Covina ,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 West Covina, 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 West Covina, CA is $1376. Enter your zipcode below and click “GO” to get multiple free quotes.
It is important to understand the different coverage options available in West Covina, CA. VHome Insurance will help you navigate the world of homeowners insurance coverages in West Covina, CA.
| Coverage Level | Average Annual Premium |
|---|---|
| $100,000 | $550 |
| $200,000 | $936 |
| $300,000 | $1,156 |
| $400,000 | $1,761 |
| $500,000 | $2,215 |
Home insurance costs in West Covina 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 |
|---|---|
| 091791 | $1,316 |
| 91790 | $1,304 |
| 91792 | $1,296 |
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 West Covina, CA, and how to choose the right one for your needs.
| Deductible Level | Average Annual Premium |
|---|---|
| $500 Deductible | $1,411 |
| $1000 Deductible | $1,262 |
| $1500 Deductible | $1,190 |
| $2500 Deductible | $1,073 |
| $5000 Deductible | $908 |
| Home Insurance Company Near West Covina, CA | Homeowners Insurance Agency Near West Covina, CA | Address |
|---|---|---|
| Farmers | Alfonso Vidales | 12351 Mariposa Rd Ste J, Victorville, CA, 92395 |
| Liberty Mutual Independent | Arthur J Gallagher & Co Ins Brkrs Of Ca Inc | 21011 WARNER CENTER LN, WOODLAND HILLS, CA, 91367 |
| Nationwide | Benefits Mutual Insurance Services Inc | 4717 Van Nuys Blvd STE 102, Sherman Oaks, CA, 91403-2150 |
| Allstate | John Barger | 27281 Las Ramblas Ste 105, Mission Viejo, CA, 92691 |
| State Farm | Tarrell Florent | 23033 Lyons Ave. Suite 1, Santa Clarita, CA, 91321-2758 |
| Place | 1 Car Bundle Savings On Insurance | 2 Car Bundle Savings On Insurance | 3 Car Bundle Savings On Insurance |
|---|---|---|---|
| Valinda CDP, California | $78 | $103 | $155 |
| Covina city, California | $79 | $105 | $157 |
| East San Gabriel Valley CCD, Los Angeles County, California | $79 | $105 | $157 |
| Place | Home insurance as a % of housing cost for homes with mortgage | Home insurance as a % of housing cost for homes without mortgage |
|---|---|---|
| West Covina, CA | 2.3% | 12.6% |
| Valinda | 2.59% | 13.76% |
| Covina | 2.26% | 12.54% |
| East San Gabriel Valley | 2.36% | 11.59% |
| West Covina Home By Monthly Rent | Total Homes | % of Total | Estimated Monthly Income To Afford Rented House Including Renters Insurance |
|---|---|---|---|
| $200 to $299 | 191 | 1.0% | $784 |
| $300 to $499 | 200 | 1.0% | $1234 |
| $500 to $749 | 275 | 2.0% | $1909 |
| $750 to $999 | 1,148 | 10.0% | $2659 |
| $1,000 to $1,499 | 4,723 | 44.0% | $3784 |
| $1,500 or more | 4,030 | 38.0% | $5434 |
| Streets in West Covina Area | Homeowners Insurance Cost |
|---|---|
| Borrego Dr, W Adams Dr, S Juniper St, N Bromley Ave, S Grandview Ln, E Crocus Dr, S Fircroft St, S Shadydale Ave, S Flemington Dr, S Forestdale Ave | $625 |
| W Fairgrove Ave, Dalark St, S Meeker Ave, Lainie St, S Shadydale Ave, N Cameron Ave, E Service Ave, Molokai, S Saint Malo St, E Cameo Vista Dr | $622 |
| Jacaranda Dr, S Valinda Ave, E Marcella Ave, Cll Taxco, S Holly Oak Pl, Whittlers Ln, E Rosemary Dr, S Cabana Ave, E Temple Way, E Cecelia St | $629 |
| W Leewood St, E Nanette Ave, W Cedarwood St, Hollenbeck Ave, Loggers Ln, N Puente Ave, W Alwood St, Ginger Ct, W Windsor St, S Larimore Ave | $623 |
| E Alwood St, S Blue Dr, Peachtree Ln, E Michelle St, Glenhurst Pl, Mahogany, E Cedarbrook St, N Chalburn Ave, S Hidden Valley Dr, Iva Ln | $629 |
| E Virginia Ave, Mahogany St, S Armel Dr, Samgerry Dr, Cam de Teodora, Galleano St, Grassmere Ave, S Shasta St, E Hollencrest Cir, S Walnut Ave | $611 |
| E Peachtree Ct, N Bixby Ave, Grand View Ln, Pso Cancum, Seattle Ave, N Meadow Rd, E Swanee Ln, S Conlon Ave, Barrydale St, N Nora Ave | $627 |
| Glendale St, Dee Ln, E Casad Ave, W Louisa Ave, S Fenimore Ave, N Leland Ave, S Primeaux Ave, Gemini St, E Greenville Dr, Phoebe Ct | $631 |
| Colorado St, Colston Ave, Gabriella St, W Foster Ave, Los Lomitas Way, W Greendale St, Joshua Tree Way, S Alpine Dr, S Queen Summit Dr, Sienna Crst | $668 |
| Level St, Pam Pl, Tamar Dr, S Marcella Ave, Highcastle St, S Heathdale Ave, S Serenade Ave, W Barbara Ave, Hillsborough Pl, W Sherway St | $630 |
| Place | Savings For Senior Occupied Homes |
|---|---|
| West Covina | $94 to $96 |
| Valinda | $93 |
| Industry | $109 |
| Covina | $94 |
| Coverage ($) | Deductible ($) | Age of home | Company | Average homeowners insurance premium ($) |
|---|---|---|---|---|
| 150000 | 250 | New | Tokio Marine America | 339 |
| 200000 | 500 | New | MAPFRE Group | 488 |
| 250000 | 1000 | New | American Security | 502 |
| 250000 | 500 | New | AIG Prop Cas | 876 |
| 250000 | 500 | New | First American Ins | 527 |
| 250000 | 500 | New | MAPFRE Group | 585 |
| 300000 | 500 | New | Grange | 707 |
| 500000 | 1000 | New | American Modern | 1742 |
| 150000 | 500 | 1-3 Years | CSE Safeguard | 416 |
| 300000 | 500 | 1-3 Years | Chubb/Federal | 1307 |
| 300000 | 500 | 1-3 Years | Kemper | 898 |
| 400000 | 1000 | 1-3 Years | Chubb/Federal | 1471 |
| 500000 | 1000 | 1-3 Years | Nationwide | 1118 |
| 500000 | 1000 | 1-3 Years | USAA | 937 |
| 200000 | 500 | 4-6 Years | Century National | 592 |
| 200000 | 500 | 4-6 Years | QBE (Balboa) | 566 |
| 250000 | 1000 | 4-6 Years | Privilege Underwriters Exch | 1421 |
| 250000 | 1000 | 4-6 Years | Western Mutual/Residence | 549 |
| 250000 | 500 | 4-6 Years | Amica Mutual | 721 |
| 300000 | 500 | 4-6 Years | Horace Mann | 878 |
| 400000 | 1000 | 4-6 Years | Kemper | 1102 |
| 400000 | 1000 | 4-6 Years | Universal North America | 692 |
| 500000 | 2500 | 4-6 Years | Western Mutual/Residence | 956 |
| 200000 | 500 | 7-15 Years | Bankers Standard | 2032 |
| Low Deductible | High Deductible | |
|---|---|---|
| Deductible | $1,400 | $3,400 |
| Yearly West Covina Homeowner Insurance Premium Example | $1,800 | $1,400 |
| Out of Pocket Expense During Claim | $1,400 | $3,400 |
| Total Home Insurance Premium for 7 years + Out of Pocket Expense for Claim | $14,000 | $13,200 |
| Net Savings to West Covina Home Owner from High Deductible Plan | $800 | |
| Scenario | West Covina, CA Home Replacement Value MORE than Home Value | West Covina, CA Home Replacement Value LESS than Home Value |
|---|---|---|
| Replacement Value | $447,000 | $283,500 |
| Insurance Premium based on Replacement Value | $1,575 | $1,000 |
| Risk Exposure from Under Insuring Coverage | Unnecessary Home Insurance Coverage of $105,000 | Risk Exposure from Under Insuring Coverage is $58,500 |
| Premium Impact | Insurance cheaper by $225/year | Insurance costlier by $350/year |
| Insurance Company | State Farm | Farmers Insurance | Chubb Group of Insurance |
| Monthly Premium | 70 | 148 | 34 |
| Year Built | 1995 | 1966 | 1970 |
| Home Details | 3 Beds, 2 Baths | 4 Beds, 1 Baths | 5 Beds, 1 Baths |
| Coverage Amount | $250000-$300000 | $700000-$800000 | $200000-$250000 |
| Deductible | $1000-$2500 Deductible | $2500-$5000 Deductible | $5000 to $10,000 Deductible |