Temecula, CA Homeowners Insurance

Temecula is a city in Riverside County, California, with about 113,381 residents, making it California’s 56th most populated city in the Golden State. Temecula is a great place for families and young professionals thanks to its safety, high income, cheap housing, suburban feel, and of course, its wine. 

About 65% of the city’s residents own their homes, and this makes homeowners insurance vital. The importance of homeowner insurance in Temecula is to protect properties and provide homeowners with peace of mind. Homeowner insurance can cover different kinds of damages, including fire outbreaks, natural disasters, robbery, and vandalism. 

If you’re in search of a favorable home policy in Temecula, there are a few things you should know. Temecula insurance companies set their homeowners insurance rates based on several factors. These factors include the value of a property, the materials used in building it, and its location. They will also put the value of your belongings into consideration.

We have provided sufficient information in this article to help you find the best cheap Temecula homeowners insurance. 

Temecula Homeowners Insurance Average Cost

Insurance companies usually require their clients to pay for their homeowners insurance annually. The average homeowners insurance rate in Temecula can provide an idea of what to budget. The average homeowner insurance rate in Temecula is $1064 annually, which is about $89 monthly. The average cost of homeowners insurance in Temecula is cheaper than the California average and the national average. 

Average Homeowners Insurance Rate in Temecula VS Statewide And National Average

Temecula Average (Annual)California AverageUnited States Average
$1, 037$1,173$1,444

Temecula Homeowners Insurance Rates by Company 

While homeowners insurance is legally required in Temecula, it is an excellent investment that you will find beneficial if unfortunate events occur. Thankfully, you don’t have to spend a lot of money on insuring your home since homeowners insurance is relatively cheap in Temecula. We have created a table showing the companies offering the best cheap homeowners insurance rates in Temecula. We created this table using data on the affordability, coverage, financial strength, customer rating, and customer experience of insurance companies in Temecula. 

Cheapest Temecula Homeowners Insurance Rates 

CompanyAverage Annual Premium Rate
National $695.25
Mercury Ins Group$723.25
First American Specialty$751
Western Mutual$759.25
Pacific Specialty$784.25
kemper$832.50
Tokio Marine America $829.25
QBE$836.25

Temecula Homeowners Insurance Rates by Neighborhood

The cost of your Temecula homeowners insurance will depend on the part of the city in which you live. This is because each area has its unique risk variable. If you live in a neighborhood or zip code where a high number of claims are filed, then you will have to pay a higher insurance rate.

The difference in insurance rates can be confusing when researching insurance costs by zip code neighborhood. So, we have done our best to simplify things for you. Below, you will find the zip codes and neighborhoods in Temecula with the lowest insurance rates. 

Homeowners Insurance Rates in Temecula by Neighborhood

NeighborhoodZip Code<b?insurance range<=”” b=””></b?insurance>
El Cajon Drive92504 $634
Frontage Rd92591$639
Lauriano Dr92592$631
Mango Bay92563$621

Temecula Homeowners Insurance Rates By Deductible

All homeowners insurance comes with deductibles. As a homeowner, you have to choose if you want a low or high deductible. Your deductible is the amount you will have to pay before your insurer steps in to pay for your insured loss. The claim payment that is to be paid by your insurer is the total cost of the loss or damage minus your deductible. 

So, if you have a deductible of $3,000 and your experiences insured damages worth $20,000, you will have to spend at least $3000 out-of-pocket before your insurer pays you $17,000. 

Another thing you should know is that your deductible goes hand in hand with your insurance premium. Your insurance premium is the amount you are required to pay for your insurance monthly or annually. An expensive deductible means a cheap insurance premium and vice versa. But while a high deductible may save you initially, you may end up having to take a huge financial hit when you need to claim your insurance.  

Homeowners Insurance Rates In Temecula by Deductible

DeductibleLow DeductibleHigh Deductible
Annual El Cajon Homeowner Insurance Premium Example$500$2,000
Total Homeowners Insurance Premium For 5 Years + Pocket Expense For Claim$2,200$1,500
Net Savings To Temecula Homeowner$11,500$9,500
From the High Deductible Plan$2,000

Temecula Homeowners Insurance Coverages Available

As a Temecula homeowner, you should protect your property from all kinds of risks, including fires, theft, natural disasters, and vandalism. Your homeowner insurance in Temecula should cover more than just your property. It should also protect your property’s contents and liability for accidents that occur in your home. 

Most Temecula homeowners insurance companies can provide you with all the coverage you need. The types of coverage you can get in Temecula include property damage, additional living expenses, personal liability, and medical payment coverage.

Coverage From Natural Disasters

Temecula is a beautiful place to live with your family. However, the city experiences natural disasters from time to time. So, you have to get insurance to protect your family, your items, and your property from these unfortunate events. 

The basic homeowner insurance policy will cover damages that result from several natural disasters such as wildfires, lightning, wind storms, and hail. However, it won’t cover your home from damages caused by floods, landslides, and earthquakes. You will need additional policies for these risks. 

Here is a list of the natural disasters that you need coverage from in Temecula:

  • Wildfires
  • Wind storms
  • Hail
  • Lightning
  • Flood
  • Earthquake
  • Landslide

Best Homeowners Insurance Companies in Temecula

Lots of insurance companies serve Temecula homeowners. However, some companies stand out from the rest. Over the years, homeowners in the city have come to rely on these companies for the best homeowners insurance services. Temecula homeowners continue to choose these companies due to their efficient service delivery, policy coverage, customer support, affordability, payment flexibility, and more.

We understand how tricky it can be for new residents to find these companies. For this reason, we have created a chart showing the best Temecula insurance companies and their A&M Best, NAIC, BBB+.

Best Companies And Their A&M Best, NAIC, BBB+ Ratings

Company

A.M Best Rating

NAICBBB+
Mercury InsuranceAN/AA+
State FarmA++0.22A
AllstateA+0.29A+
USAAA++0.17B+

Best Home Insurance Agents In Temecula

Homeowners insurance agents in Temecula are top professionals who specialize in negotiating and selling homeowners insurance. A homeowners insurance agent may either be independent or tied to a specific insurance company. This means that an independent insurance agent can get you policies from different companies while an agent can only bring you policies from a single provider. 

 However, most Temecula insurance companies offer similar policies. So, the type of agent you choose to work with will depend on your personal preferences. We have prepared a chart containing information on the best homeowners insurance agents in Temecula, their companies, and their addresses. 

Homeowners Insurance Agents And Their Addresses

Name and Company’s NameAddress
Farmers29970 Technology Dr. Ste 117, Murrieta, CA, 92563
Allstate4 Venture Ste 115, Irvine, CA, 92618
Farmers34249 Camino Capistrano Ste 206, Capistrano Bch, CA, 92624
State Farm111 Corporate Dr. Ste 190, Ladera Ranch, CA, 92694-1156
Allstate28465 Old Town Front St, Ste 215
Temecula, CA 92590Link Opens in New Tab

Temecula Homeowners Insurance Money Saving Tips

While the importance of protecting your family and property can’t be overemphasized, it is also essential that you look for ways to cut down on costs. Here are some tips that could help you save hundreds of dollars as you protect what’s yours.

  • Get quotes from multiple companies.
  • Increase your deductible
  • Ask for discounts
  • Get your home and auto insurance from the same company.
  • Build long term relationships with your insurer
  • Increase your property’s disaster resistance.

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Temecula, CA Homeowners Insurance FAQs

There are several benefits attached to bundling your home and auto insurance. First, you will get a discount when you combine both insurances with one company. Also, life will be much easier when you only have to deal with one insurer.

A basic Temecula homeowners insurance doesn’t cover natural disasters like floods and earthquakes. You will need to get additional policies at extra costs.

Yes, Temecula is a good city to live in. It is one of the fastest-growing cities in California. More families are moving to the city because of its high income and cheap housing.

When you have homeowner insurance, your insurer must cover the cost of rebuilding or repairing your home in the event of fire, theft, vandalism, and weather damage. Most homeowners insurance policies also cover personal possessions and third-party liability. 

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