How much is homeowners insurance in Temecula,CA

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In Temecula, homeowners pay an average annual rate of $1,478 for a coverage level that includes $300,000 for dwelling, $100,000 for liability protection, and a $1,000 deductible, according to Insure.com’s rate analysis. This is $1,104 less than the national average of $2,582.

Homeowners insurance premiums can vary significantly from one property to another. In Temecula, the cost of home insurance is influenced by several factors, including:

Size of your home
Age of your home
Amount of coverage required
Location
Your credit score

It’s crucial to compare quotes from multiple insurers to ensure you get the best homeowners insurance policy. This allows you to find the coverage that meets your specific needs.

Read this guide to discover the monthly homeowners insurance cost in Temecula, explore the insurance costs for different dwelling coverage, and find out which companies offer affordable home insurance in Temecula.

Key takeaways

Homeowners insurance costs $1,478 per year in Temecula.
At $907 per year, Allstate offers the cheapest homeowners insurance in Temecula.
Your home insurance rates increase by $391 more annually if you increase your dwelling coverage from $200,000 to $300,000.

How much is homeowners insurance in Temecula per month

According to our rate analysis, homeowners in Temecula pay an average of $123 per month. It’s $7 more than the state average of $116 and $92 less than the national average for home insurance across the United States.

In Temecula, the cost of your homeowners insurance policy depends on the value of your home, location, and the coverage options you select.

How much is homeowners insurance for a $200,000 house in Temecula

Homeowners insurance for dwelling coverage of $200,000 and liability protection of $100,000 costs $1,087 per year in Temecula, CA. Numerous factors influence your annual home insurance rates, including any natural disaster or event in your locality. For instance, certain regions have a higher risk of natural calamities such as floods, hurricanes, or tornadoes, implying higher expenses for rebuilding in these areas. These increased rebuilding expenses result in increased insurance premiums.

It is important to note that your insurance plan may not cover flood or hurricane damages. So, if you reside in an area prone to flooding, consider buying flood insurance coverage.

How much is homeowners insurance for a $300,000 house in Temecula

Based on a rate analysis conducted by Insure.com, Temecula residents pay an average of $1,478 per year to insure a home for coverage limits of $300,000 dwelling, $100,000 liability with a $1,000 deductible. If you plan to increase your dwelling coverage from $200,000 to $300,000, you must pay an additional $391 per year for home insurance.

Buying adequate insurance to cover the entire expense of rebuilding your home is best advisable. However, the amount of dwelling coverage you need may vary depending on your home’s size, amenities, and the cost of living in your area.

How much is homeowners insurance in Temecula by company

Among the carriers analyzed, Allstate is the most affordable homeowners insurance company in Temecula. It’s average annual rate for homeowners in Temecula is $907.

Auto Club Enterprises (AAA), ranks second and Travelers makes it to the third spot with an average annual home insurance rate of $1,232.

Research on the company is essential before selecting a homeowners insurance policy. Insure.com has thoroughly examined all insurance companies operating in Temecula and compiled a list of the most affordable home insurance companies.

Below are details of Temecula home insurance companies and their average annual premiums.

Home insurance company	Annual rate
Allstate	$907
Auto Club Enterprises (AAA)	$1,191
Travelers	$1,232
Nationwide	$1,312
Mercury Insurance	$1,616
CSAA Insurance (AAA)	$1,759
Farmers	$1,771
State Farm	$1,895
USAA*	$1,337

Methodology

Insure.com, with the help of Quadrant Information Services, gathered data for homeowners insurance rates in Temecula for $300,000 dwelling coverage, $100,000 liability coverage with a $1,000 deductible. The data presented are those with a good credit tier alignment.