Fullerton, CA Homeowners Insurance

Fullerton is a city in the Orange County of California. This northern city was founded in 1887 and has a population of over one hundred and thirty-nine thousand people. This city is a blend of industrial, residential, and educational areas. 

Fullerton is a beautiful place to raise a family. It is safe, has a low crime rate, and offers a perfect mix of an urban and suburban lifestyle. Fullerton has a wide array of restaurants, coffee shops, various parks for recreational activities, and highly rated public schools. 

Fifty-one percent of people living in Fullerton are homeowners, with an average insurance rate of $550. This is one of the cheapest insurance in the city of California and fifty-three percent less than the country’s average.

What is the average insurance rate in Fullerton, CA? 

Homeowners insurance rates: Fullerton Vs. State Vs. National average

Fullerton Annual AverageCalifornia AverageUnited States Average
$550$1,868$1,548

How to find the cheapest Homeowners insurance in Fullerton

The average price of the premium paid yearly varies from place to place. Factors that influence the premium are the building’s location, the cost of properties in the area,  the house’s coverage level, and the neighborhood’s safety play a part in your yearly premium.

Buying a home is one of the most expensive investments you will ever make as an adult. It would be best to protect your property against damage. Even though California law does not make it mandatory, it will be nice to have homeowner’s insurance.

Companies Offering The Most Affordable Home Insurance In Fullerton

Your insurance company will determine how much you will pay for your insurance annually. Mercury Insurance offers the best prices in Fullerton at an average rate of $410 per annum

Best home insurance company in Fullerton

Insurance companyAverage annual rate
Mercury$410
AAA$474
USAA$482
Allstate$518
Nationwide$521

Insurance rates in Fullerton by Coverage level

The coverage level is a major factor that would affect your home insurance rates. A coverage level of $100,000 attracts the cheapest insurance rate of $350 in Fullerton, CA. 

Coverage level and average insurance premium in Fullerton 

Dwelling Coverage levelAverage annual premium
$100,000 $350
$200,000 $404
$300,000$522
$400,000$704

Areas with the cheapest Insurance in Fullerton

Different locations in Fullerton typically have the same base range for homeowners insurance. The reason for this is that houses in the same area have similar price ranges. The price of properties in your area, the number of insurance claims from previous years, theft, and fire hazards around your area affect homeowners’ premium costs.

Homeowners insurance rate in Fullerton by zip code

Names of AreasZipcodes of areasAverage annual insurance rate
Ridgetop line92832$626
Greenleaf Avenue92833$627
Keith Green90621$651
West Cobblestone road90631$663

Homeowners Insurance Cost in Fullerton, CA Based on Deductible

A deductible is simply the part of an insurance claim you are responsible for paying. Your deductible level is a major factor insurance companies use in determining your insurance rates. The higher your deductible level, the lower your rates

Average insurance rates in Fullerton, CA based on deductible

DeductibleAverage Annual Rates
$2500 Deductible$1,072
$2000 Deductible$1,114
$1500 Deductible$1,243
$1000 Deductible$1,308
$500 Deductible$1,476

What Are The Types Of Home Insurance Coverage In Fullerton

There are different homeowners insurance options available to homeowners in Fullerton. They are;

Fullerton Home Insurance types and Coverage 

Homeowners insuranceWhat is covered
HO-1 (Basic Plan)
  • It is the least insurance coverage available to homeowners in Fullerton.
  • The basic plan covers natural disasters such as volcanic eruptions, storms, wind, lightning, and fire.
  • Theft of property is covered.
  • Damage to properties from a vehicular collision is covered
  • Damage from any civil disturbances and Explosion
HO-2 (Broad Plan)
  • This plan covers damages to personal properties and the structure of the house.
  • It also covers damage from falling objects, snow, or sleet.
  • It covers pipes damage caused by extreme temperature.
  • It also protects against damage to household systems from electrical currents generated artificially
HO-3 (Special Plan)
  • It is the common choice among homeowners in Fullerton
  • HO-3 covers all damages apart from the ones excluded in the policy coverage
HO-4 (Tenant’s Plan) 
  • This policy is for renters
  • The tenant plan covers personal property as HO-2 and liability but not the structures of the building
  • It may include loss of use coverage
HO-5 (Comprehensive Plan) 
  • This is the best homeowner insurance available for homeowners
  • HO-5 covers the total cost of repairs as well as the cost of the damaged properties; this is unlike HO-3 that only covers the cost of damaged properties
  • HO-5 offers more comprehensive personal property coverage.
HO-6 (Condo Plan)
  • The condo plan is for condo owners in Fullerton.
  • This condo owner’s plan covers only ceilings, floors, walls, personal property, and liabilities.
HO-7 (Mobile home Plan)
  • A mobile home plan is for owners of mobile homes
  • It covers a stationary, mobile home; you have to get additional coverage if you intend to move the home somewhere.
  • It has the same basic Coverage as HO-3
HO-8 (Older home Plan)
  • This plan is for old houses in Fullerton considered as landmarks or registered as historical homes
  • This policy offers the same Coverage as HO-1
  • The homeowner is not allowed to upgrade the house to make it eligible for HO-3

Best Home Insurance companies in Fullerton

If a company is not financially stable, you might have a difficult time laying hold of your claim. This is why you should research a company before deciding to purchase your insurance premium from them. So, before purchasing insurance policy in any company, ensure you check the AM Best rating and the JD Power ranking of the company. 

Best insurance company in Fullerton based on the AM rating and JD power ranking. 

Home insurance companyAverage annual rate for $250K dwellingJ.D. Power customer satisfaction scoreAM Best Rating
The Hartford$1,215843/1000A+ 
CSAA Insurance Group$807832/1,000
Allstate$1,233838/1000A+ 
State Farm$802837/1000A++ 
USAA$671898/1000A++ 

Special Consideration for Natural disaster in Fullerton

Fullerton, like most places in California, is prone to earthquakes. The basic homeowner’s insurance policy will not cover damages from an earthquake. You require an earthquake plan to protect you against damages due to an earthquake. 

You should confirm from your insurance company if they have coverage for earthquakes and other natural disasters. 

Top Home Insurance Companies in Fullerton, CA and their Agents

Insurance Companies Near Fullerton, CAHomeowners Insurance Agents Near Fullerton, CAAddress of Agents
State FarmBill Solberg401 Brookside Avenue, Redlands, CA, 92373-4609
State FarmJorge Alonzo2675 Zoe Ave, Huntington Pk, CA, 90255-4144
TravelersLouis Barnett & Associates2601 AIRPORT DR STE 100, TORRANCE, CA, 90505
State FarmSteve Hs818 N Hacienda Blvd Ste D, La Puente, CA, 91744-2806

Companies in Fullerton with the Best Bundling Packages

A smart way of reducing your insurance policy premium is by signing up for a bundle package. A bundle package covers both your automobile and your house and is provided by the same insurance company. Bundling typically saves you over 17% annually.

Best bundle rates in areas in Fullerton per annum

CompanyAverage Bundle premium
Allstate$1,140
Travellers$1,140
State Farm$1,176

Special resources for Homeowners in Fullerton, CA

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Fullerton, CA Homeowners Insurance FAQs

No, homeowners insurance is not compulsory in Fullerton or under the law of the state of California. Getting a homeowner’s insurance would be best. The insurance protects your investment against damage.  Moneylenders require valid homeowners insurance before signing a mortgage and while paying off your mortgage.

Yes, you have the liberty to bundle your home and a bike instead of a car if you do not have a vehicle. If you have a car and a bike, or multiple cars, you can bundle all of these together with your home. Consult your insurance broker about bundling options available in your area.

Yes, your homeowner’s insurance in Fullerton will cover damage to your personal properties in your home, including a boat, if you have sufficient coverage. It would help if you had at least an HO-3 insurance policy to get reimbursed for damages on your properties.

Fullerton, like most places in California, is prone to earthquakes. Your current homeowner’s insurance will not cover damages from an earthquake. You require an earthquake plan to protect you against damages due to an earthquake.

Your new homeowner’s insurance will not cover the period your lapsed insurance. The insurance company usually gives three months’ notice before ending your protection after your policy expired to make payment to continue your policy. It is best not to let your homeowners insurance expire before renewing your premium.

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