Whittier ,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 Whittier, 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 Whittier, CA is $1372. Enter your zipcode below and click “GO” to get multiple free quotes.
It is important to understand the different coverage options available in Whittier, CA. VHome Insurance will help you navigate the world of homeowners insurance coverages in Whittier, CA.
| Coverage Level | Average Annual Premium |
|---|---|
| $100,000 | $549 |
| $200,000 | $933 |
| $300,000 | $1,152 |
| $400,000 | $1,756 |
| $500,000 | $2,209 |
Home insurance costs in Whittier 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 |
|---|---|
| 090601 | $1,312 |
| 90603 | $1,317 |
| 90602 | $1,306 |
| 90604 | $1,304 |
| 90605 | $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 Whittier, CA, and how to choose the right one for your needs.
| Deductible Level | Average Annual Premium |
|---|---|
| $500 Deductible | $1,407 |
| $1000 Deductible | $1,258 |
| $1500 Deductible | $1,187 |
| $2500 Deductible | $1,070 |
| $5000 Deductible | $906 |
| Home Insurance Company Near Whittier, CA | Homeowners Insurance Agency Near Whittier, CA | Address |
|---|---|---|
| State Farm | Bill Wilson | 23555 Gldn Spgs Dr Ste D, Diamond Bar, CA, 91765-2176 |
| Allstate | Jack Amran | 9795 Cabrini Dr Ste 103, Burbank, CA, 91504 |
| State Farm | Morton V Roberts Jr | 3306 Helms Ave, Culver City, CA, 90232-2312 |
| Travelers | Premier One Insurance Services | 918 CITRUS AVE, COVINA, CA, 91722 |
| Allstate | South Corona Insurance Agency | 1451 Rimpau Ave Ste 101, Corona, CA, 92879 |
| Place | 1 Car Bundle Savings On Insurance | 2 Car Bundle Savings On Insurance | 3 Car Bundle Savings On Insurance |
|---|---|---|---|
| South Whittier CDP, California | $93 | $124 | $186 |
| Santa Fe Springs city, California | $93 | $124 | $186 |
| West Whittier-Los Nietos CDP, California | $93 | $124 | $186 |
| Place | Home insurance as a % of housing cost for homes with mortgage | Home insurance as a % of housing cost for homes without mortgage |
|---|---|---|
| Whittier, CA | 2.4% | 14.4% |
| South Whittier | 2.49% | 16.0% |
| Santa Fe Springs | 2.7% | 18.12% |
| West Whittier-Los Nietos | 2.66% | 15.13% |
| Whittier Home By Monthly Rent | Total Homes | % of Total | Estimated Monthly Income To Afford Rented House Including Renters Insurance |
|---|---|---|---|
| $200 to $299 | 755 | 2.0% | $784 |
| $300 to $499 | 771 | 2.0% | $1234 |
| $500 to $749 | 1,773 | 5.0% | $1909 |
| $750 to $999 | 5,955 | 19.0% | $2659 |
| $1,000 to $1,499 | 12,408 | 41.0% | $3784 |
| $1,500 or more | 8,024 | 26.0% | $5434 |
| Streets in Whittier Area | Homeowners Insurance Cost |
|---|---|
| Via Escondida Ave, Crossway Dr, Neartree Rd, Riviera Ln, Van Aken St, Industry Ave, Poulter Dr, Greenvale Ave, Hillside Ln, Keese Dr | $624 |
| Lorca Rd, Haldane St, Henshaw Ave, Tarryton Ave, Lorca Rd, Solejar Dr, Heflin Dr, el Braso Dr, Matisse Cir, Costa Glen Ave | $660 |
| Ave San Miguel, Villaverde Dr, Gaylin St, Prather Ave, Clarkman St, Starbuck St, Metropol Dr, Hathaway Dr, Bora Dr, Edderton Ave | $666 |
| Tigrina Ave, Alderwood St, Millergrove Dr, Call St, Hacienda Blvd, Vaga Dr, Fireside Dr, Los Coyotes Ave, Coachman Ave, Dorothea Rd | $636 |
| Tilmont Ave, Calmosa Ave, Balmoral St, Hesse Dr, Almo St, Sialic Pl, la Quinta St, Louis Ave, Triton Dr, Myron St | $624 |
| Escalona Rd, Braepark St, Vanada Rd, Grande Vista Pl, Cheverton Dr, Mines Blvd, Cherryvale Dr, Foxbury Way, Ben Avon St, Lochinvar Dr | $630 |
| Campillos Rd, Rio Hondo Cir, Little Lake Rd, Amelga Dr, Richvale Dr, Romandel Ave, Michelle Cir, Sideview Dr, Fairmont Ln, Rose Hills Rd | $651 |
| Glenworth St, Lake Center Park Ln, Syracuse Dr, Goodhue St, Whittier Ave, Godoy St, Cll Palma Loma, Casa del Rey Dr, Syracuse St, Agar Pl | $622 |
| Sandlock St, Cadbury Rd, Poner St, Cartela Dr, Bridgeview Ave, Hornell St, Casino Dr, el Arco Dr, Milna Ave, Bryn Mawr Way | $668 |
| Wardman St, Valna Dr, Appledale Ave, McCann Pl, Tarryton Ave, Barbata Rd, Drury Dr, True Ave, Avonbury Ave, Hawes St | $624 |
| Place | Savings For Senior Occupied Homes |
|---|---|
| Whittier | $94 to $96 |
| South Whittier | $93 |
| East Whittier | $95 |
| Rose Hills | $98 |
| Coverage ($) | Deductible ($) | Age of home | Company | Average homeowners insurance premium ($) |
|---|---|---|---|---|
| 200000 | 500 | New | American Modern | 730 |
| 250000 | 500 | New | First American Ins | 557 |
| 250000 | 500 | New | Stillwater Ins Co | 454 |
| 500000 | 2500 | New | MAPFRE Group | 552 |
| 150000 | 250 | 1-3 Years | IDS Property Casualty | 480 |
| 300000 | 500 | 1-3 Years | Century National | 1083 |
| 300000 | 500 | 1-3 Years | Stillwater Ins Co | 656 |
| 300000 | 500 | 1-3 Years | USAA | 659 |
| 500000 | 2500 | 1-3 Years | Liberty Ins Corp | 847 |
| 150000 | 250 | 4-6 Years | Tokio Marine America | 348 |
| 250000 | 1000 | 4-6 Years | Encompass | 949 |
| 250000 | 500 | 4-6 Years | USAA | 567 |
| 400000 | 1000 | 4-6 Years | State Farm | 960 |
| 500000 | 1000 | 4-6 Years | California Casualty | 975 |
| 500000 | 2500 | 4-6 Years | Pacific Specialty | 1024 |
| 150000 | 500 | 7-15 Years | Horace Mann P & C | 459 |
| 200000 | 500 | 7-15 Years | Amco | 749 |
| 400000 | 1000 | 7-15 Years | Horace Mann | 1007 |
| 500000 | 2500 | 7-15 Years | Encompass | 1676 |
| 500000 | 2500 | 7-15 Years | Grange | 1229 |
| 750000 | 2500 | 7-15 Years | Crestbrook | 1940 |
| 250000 | 1000 | 16-25 Years | Amco | 800 |
| 250000 | 1000 | 16-25 Years | Foremost Insurance | 1143 |
| Low Deductible | High Deductible | |
|---|---|---|
| Deductible | $900 | $1,900 |
| Yearly Whittier Homeowner Insurance Premium Example | $1,200 | $1,000 |
| Out of Pocket Expense During Claim | $900 | $1,900 |
| Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim | $10,500 | $9,900 |
| Net Savings to Whittier Home Owner from High Deductible Plan | $600 | |
| Scenario | Whittier, CA Home Replacement Value MORE than Home Value | Whittier, CA Home Replacement Value LESS than Home Value |
|---|---|---|
| Replacement Value | $465,000 | $299,500 |
| Insurance Premium based on Replacement Value | $1,450 | $925 |
| Risk Exposure from Under Insuring Coverage | Unnecessary Home Insurance Coverage of $105,000 | Risk Exposure from Under Insuring Coverage is $60,500 |
| Premium Impact | Insurance cheaper by $200/year | Insurance costlier by $325/year |
| Insurance Company | Farmers Insurance | Allstate | GEICO Insurance |
| Monthly Premium | 205 | 45 | 140 |
| Year Built | 1955 | 1963 | 1976 |
| Home Details | 5 Beds, 2 Baths | 2 Beds, 1 Baths | 4 Beds, 3 Baths |
| Coverage Amount | $900000-$1000000 | $200000-$250000 | $600000-$700000 |
| Deductible | $500 Deductible | $5000 to $10,000 Deductible | $500 Deductible |