Pasadena, CA Homeowners Insurance

Pasadena is located just 10 miles away from the busy city of Los Angeles. This gorgeous city is home to many historic buildings and breathtaking landscapes. Pasadena is famous for hosting the Tournament of Roses Parades and the Rose Bowl football games. 

Pasadena is popularly known as the valley’s crown and offers a very colorful history, luxury houses, and top-class dining and shopping experience. The city’s total population is 141,258, which makes it one of the most populated cities in Los Angeles County. The cost of living in Pasadena is 60% higher than the national average, despite that 43% of the total population is homeowners, with a median home value of $771,700. 

Buying a home is the most expensive investment, making it essential to protect it from unforeseen disasters. A standard homeowners insurance protects you against any financial setbacks that might arise due to unavoidable events. It is not legally mandatory to purchase homeowners insurance in Pasadena. Still, if you want a loan or mortgage on your house, your lending company would require a Pasadena homeowners insurance policy before sanctioning the loan. 

Insurance Online wants to make your search for affordable homeowners insurance easier. You can use our Home Insurance Quote Comparison Tool and get free homeowners insurance quotes from top-rated insurance companies. 

Average Homeowners Insurance Cost in Pasadena

Finding the cheapest homeowners insurance in Pasadena can be overwhelming, but if you know the average homeowners insurance rates in your city and state, it will be easier for you to negotiate the price. 

The average homeowners insurance in Pasadena is $1,585, which is higher than the national average cost of homeowners insurance. 

Pasadena Homeowners Insurance Rates Compared to State and National Average Rates

Pasadena Average (annual)California AverageUnited States Average
$1,585$1,165.99$1,478

Pasadena Homeowners Insurance Premiums by Company

In Pasadena, different homeowners insurance companies offer competitive prices depending on the type of coverage you are looking for. All the insurance companies offer special discounts, which affects the insurance price. You need to find the right insurance company for your needs. 

In Pasadena, USAA sells the cheapest homeowners insurance premium of $300. On the other hand, Privilege Underwriters Exch sells the most expensive insurance premium, valued at $2,702. 

Take a look at the table below and see rates offered by different insurance providers in Pasadena. 

Pasadena Homeowners Insurance Rates by Companies

CompanyAverage Annual Premium Rate
USAA$300
Travelers$476
Western Mutual/Residence$590
California Capital$609
American Security$1,100
AIG Prop Cas$1,563
Privilege Underwriters Exch$2,702

Pasadena Homeowners Insurance Rates by Coverage Amount 

When you buy a homeowners insurance policy in Pasadena, you need to decide on a dwelling coverage limit. The dwelling coverage amount is used to replace your home and other valuables if your house gets damaged due to any covered disasters. 

A high dwelling coverage level will make your Pasadena homeowners insurance cost more. For instance, if your dwelling coverage is worth $100,000, your insurance premium will be $268, whereas, for a dwelling coverage of $500,00, your insurance premium will be $1282. 

Have a look at the table to see homeowners insurance rates in Pasadena based on the coverage limit. 

Homeowners Insurance Rates in Pasadena by Coverage Limits

Coverage AmountHome Insurance Cost 
$100,000$268
$200,000$420
$300,000$790
$400,000$980
$500,000$1,282
$750,000 to $1000,000$1,425
Above $1000,000$1,714

Pasadena Homeowners Insurance Rates by ZIP Code

The cost of Pasadena homeowners Insurance is based on various factors. Your home location also affects the homeowners insurance premium depending on your neighborhood, population density, crime rate, and proximity to a fire station and police station.

Your Pasadena homeowners insurance premium may differ from your friend’s premium who lives on the next street. In the following table, we have listed Pasadena homeowners insurance rates based on different ZIP codes. 

Cost of Homeowners Insurance in Pasadena by ZIP Codes

NeighborhoodZIP CodeAverage annual homeowners insurance rate
N Marengo Ave 91101$2,196
Sinaloa Ave91104$2,892
Corson Street91106$3,168
N Raymond Ave 91103$3,360
Orange Grove Blvd91105$4,824

Popular Home Insurance Deductibles in Pasadena

A deductible is an amount that homeowners are responsible for paying before filing an insurance claim. If you want to file an insurance claim of $50,000, and your chosen deductible amount is $1000, the insurance company will only pay you $49,000. 

When you choose a deductible amount, you must remember the general rule; If you select a low deductible amount, your homeowners insurance premium will be more. 

In the following table, we have listed Pasadena homeowners insurance rates based on different deductible amounts. 

Homeowners Insurance Cost in Pasadena based on Deductible

Deductible LevelAverage Annual Homeowners Insurance Rate
$500$1,566
$1,000$1,416
$1,500$1,333
$2,000$1,210
$5,000$1,137

Homeowners Insurance Coverages Available in Pasadena

Homeowners insurance companies offer several types of coverages, such as:

  • Dwelling insurance: The dwelling insurance covers your home’s physical structure and any other structure attached to your homes, such as a garage or a shed.
  • Loss of use insurance: The loss of use coverage will cover the additional living cost that may incur when your home is uninhabitable while it’s getting repaired. 
  • Personal property insurance: Personal property insurance covers your personal possessions inside and outside of your home.
  • Personal liability insurance: If you or any other resident of your home is found legally responsible for injuries or damages caused to someone or someone’s property, this coverage will protect you.
  • Medical payments insurance: If a guest gets injured at your home, this coverage will cover the medical expenses.

Best Home Insurance Companies in Pasadena, CA

When you are looking for Pasadena homeowners insurance policy, you need to consider several factors about insurance companies, such as the average insurance premium, types of coverage offered, financial stability, claim process, and customer service. 

We have researched and collected information about insurance providers based on J.D. Power Rankings, AM Best financial Ratings, and Better Business Bureau Ratings of the home insurance market. 

Take a look at the table below and see the best homeowners insurance companies in Pasadena. 

Best Cheap Homeowners Insurance Company in Pasadena

CompanyJ.D. Power RankingA.M. Best RatingBBB rating
GEICO5 out of 5 starsA++ (Superior)A+
Erie 5 out of 5 starsA+ (Superior)A+
Allstate 3 out of 5 starsA++ (Superior)A+
State Farm 4 out of 5 starsA++ (Superior)A
Travelers 5 out of 5 starA++ (Superior)A+

Top Homeowners Insurance Agents in Pasadena, CA

Homeowners Insurance Agency Near Pasadena, CAAddress
Stephen B. Groton Insurance110 S Rosemead Blvd Ste F, Pasadena, CA 91107
Goosehead Insurance – Anna Jemelian155 N Lake Ave Suite 804, Pasadena, CA 91101
HCM Insurance131 N El Molino Ave # 130, Pasadena, CA 91101
Farmers Insurance – Todd Ma3249 E Foothill Blvd, Pasadena, CA 91107
David Morales – State Farm Insurance Agent711 Mission St Ste A, South Pasadena, CA 91030

Common Causes of Home Insurance Losses in Pasadena

In Pasadena, there are several reasons why people may file an insurance claim. The city has experienced some of the most disastrous weather conditions, including Hurricane Harvey, Hurricane Beta, and Tax Day Flood. Here are a few of the perils that affect the residents of Pasadena:

  • Floods: As Pasadena is located on the coast, the city is prone to heavy floods. Hurricane Harvey damaged over 4600 houses in Pasadena, making it inevitable to purchase flood insurance in Pasadena.
  • Vandalism: Even though Pasadena is pretty safe to live in, the residents often face human-induced damages, such as graffiti and vandalism. Burglary and theft are another reason that causes insurance losses in Pasadena. 
  • Fire: Though the frequency of fire claims is less, the damages are the most expensive. A standard Pasadena homeowners insurance covers the damages caused due to fire and will pay to replace or rebuild your home if it gets damaged. 

Money-Saving Tips for Pasadena Homeowners Insurance 

Homeowners insurance keeps your home protected, but it can be very expensive. Insurance companies offer many discounts for several factors. If your home is new, you can get a discount of up to 14%. Another way to save money is by installing alarm systems and smoke detectors at your home. 

The best way to reduce your Pasadena homeowners insurance premium is bundling. By bundling your auto and home insurance, you can save up to 25% on your premium. Take a look at the table and see how bundling your home and auto insurance affects your homeowners insurance premium. 

Auto & Homeowners Insurance Bundling Discounts in Pasadena, CA 

Place1 Car Bundle Savings On Insurance2 Car Bundle Savings On Insurance3 Car Bundle Savings On Insurance
Altadena CDP, California$98$130$199
San Pasqual CDP, California$100$133$200
San Marino city, California$108$144$220

Special Resources for Residents of Pasadena: 

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Pasadena, CA Homeowners Insurance FAQs

Here are a few formalities required to claim your insurance:

  • Make a formal complaint to the police and get a required police report document to claim your insurance.
  • Call your insurance company to inform them of any kind of damage or theft that happened to your house as soon as you can.
  • Be ready with all the required details and evidence.

A standard homeowner insurance policy in Pasadena will provide coverage of any kind of damage to your home, such as damage from fire, flood, falling tree, natural disasters but personal belongings are not covered always.

Homeowner insurance in Pasadena will never cover your old roofs that need to be replaced. Instead, your homeowner insurance will cover roof damages caused by a natural disaster or any sudden accidents that happen to your home.

Normally, your homeowner insurance in Pasadena can be canceled after getting it once and keeping it active for at least 60 days. If you intend to cancel your homeowners insurance, you can call us or write a letter to cancel the insurance policy. Your insurance provider can also cancel your Pasadena homeowners insurance policy if you fail to pay your premium and any fraud or misrepresentations happens.

The following documents are required to claim homeowner insurance:

  • Submit a copy of your insurance policy.
  • Copy of the FIR (First Information Report) of police.
  • Proof of your address.
  • Details of the damage report of your home.
  • Submit information online.

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