Find Affordable Homeowners Insurance

Carlsbad CA Home Insurance Rates

Carlsbad homeowners have 48 California insurance agencies to choose from. Each offers premiums at a different rate – the highest being $1,958/year and with $308 as the most affordable.

The typical home insurance cost in Carlsbad, CA is about $879/year. It’s $107 cheaper than the average home insurance cost in California and $294 lower than the national average.

Where to Buy Cheap Home Insurance in Carlsbad, CA

You can get the cheapest homeowners insurance according to home age and coverage from these providers:

  • Integon/National for a $300,000 or $400,000 7-15 year home coverage
  • Mercury Insurance Group for a $400,000 new home coverage, or a $300,000 26-40 year home coverage

After a quick home insurance comparison based on average premiums, these companies stood out for having the lowest rates:

  1. First American Specialty ($570.25)
  2. Integon/National ($578)
  3. Western Mutual/Residence ($598)
  4. Mercury Insurance Group ($607)
  5. Horace Mann ($657)
  6. California Capital ($660.25)
  7. Universal North America ($663.50)
  8. CSE Safeguard ($673.25)
  9. Pacific Property & Casualty ($674.50)
  10. QBE ($687)
CompanyAnnual rate for a new house & $400k coverageAnnual rate for 7-15 yr house & $400k coverageAnnual rate for 7-15 yr house & $300k coverageAnnual rate for 26-40 yr house & $300k coverageCompany Average
Average$780.88$1189.69$930.29$613.44Carlsbad Average:
$878.57
First American Specialty$503$818$592$368$570.25
Integon/National$556$760$574$422$578
Western Mutual/Residence$576$770$598$448$598
Mercury Ins Group$400$973$747$308$607
Horace Mann$607$810$692$519$657
California Capital$583$888$707$463$660.25
Universal North America$503$968$775$408$663.5
CSE Safeguard$539$884$789$481$673.25
Pacific Property And Casualty$426$1,112$842$318$674.5
QBE$659$866$691$532$687
Travelers$559$978$765$451$688.25
MAPFRE Group$617$1,059$788$459$730.75
Wawanesa$634$1,046$783$483$736.5
Horace Mann P & C$688$918$777$583$741.5
Allstate$646$1,069$798$483$749
ASI Select Ins Corp$623$1,048$830$507$752
USAA$758$992$765$580$773.75
Amica Mutual$735$1,016$796$576$780.75
Metropolitan Direct$706$1,069$821$542$784.5
Tokio Marine America$795$1,025$777$602$799.75
Pacific Specialty$701$1,112$846$541$800
AAA (Interinsurance Exchange)$567$1,264$957$430$804.5
California Casualty$609$1,214$1,022$515$840
State Farm$660$1,295$989$504$862
American Security$813$1,161$872$610$864
Grange$800$1,140$897$629$866.5
Aegis Security$857$1,139$855$647$874.5
Safeco$816$1,164$897$629$876.5
American Reliable$892$1,073$840$700$876.25
Kemper$766$1,180$965$630$885.25
Amco$668$1,354$1,052$519$898.25
Nationwide$671$1,361$1,057$521$902.5
Homesite$875$1,148$901$698$905.5
Stillwater Ins Co$707$1,373$1,067$550$924.25
Stillwater Prop & Cas Co$706$1,398$1,087$549$935
Liberty Ins Corp$731$1,337$1,079$623$942.5
General Ins$719$1,375$1,100$575$942.25
AIG Prop Cas$1,006$1,252$953$772$995.75
Cincinnati Ins Co$1,030$1,290$987$793$1025
IDS Property Casualty$947$1,448$1,071$700$1041.5
Hartford (Sentinel)$909$1,400$1,158$766$1058.25
Encompass$1,018$1,420$1,088$779$1076.25
American Modern$1,277$1,392$1,014$931$1153.5
Farmers (Fire Ins)$1,043$1,722$1,388$848$1250.25
Foremost Insurance$1,455$1,601$1,138$1,035$1307.25
Chubb/Federal$1,428$1,771$1,413$1,146$1439.5
Bankers Standard$1,288$1,694$1,585$1,214$1445.25
Privilege Underwriters Exch$1,410$1,958$1,469$1,058$1473.75

New homeowners should consider buying house insurance with a $400,000 coverage limit from these companies:

  1. Mercury Insurance Group ($400)
  2. Pacific Property & Casualty ($426)
  3. First American Specialty ($503)

Universal North America ($503)

  1. CSE Safeguard ($539)
  2. Integon/National ($556)

Homeowners with a 7-15 year house can get a $400,000 insurance coverage from:

  1. Integon/National ($760)
  2. Western Mutual/Residence ($770)
  3. Horace Mann ($810)
  4. First American Specialty ($818)
  5. QBE ($866)

Alternatively, you can cover a 7-15 year house with a cheaper $300,000 policy from these companies:

  1. Integon/National ($574)
  2. First American Specialty ($592)
  3. Western Mutual/Residence ($598)
  4. QBE ($691)
  5. Horace Mann ($692)

If you have a 26-40 year house, you should consider buying homeowners insurance from:

  1. Mercury Insurance Group ($308)
  2. Pacific Property & Casualty ($318)
  3. First American Specialty ($368)
  4. Universal North America ($408)
  5. Integon/National ($422)

Homeowners insurance comparison in Carlsbad, CA

Home insurance providers have unique ways of calculating their premiums. By comparing them, you’ll know where to find the cheapest home insurance in Carlsbad, CA. You can use our comparison tool as a guide. From here, you can get in touch with the top providers in town, and ask them for a personalized quote.

How Deductibles Work in Home Insurance

Deductibles are among the most commonly used terms in the insurance industry. When it comes to homeowners insurance, a deductible is what policyholders have to pay upfront for losses or damages before their provider pays for claims. You don’t actually have to pay for it. Rather, the amount will be deducted from your claim. So if you request a $10,000 claim and have a $1,000 deductible, your insurer will shoulder $9,000 in costs.

What is the standard deductible for homeowners insurance?

The average home insurance deductible is anywhere between $500 and $1,000. However, you can get upwards of $2,000 in deductibles to save on premiums. It should be noted that home insurance companies calculate deductibles in one of two ways. They either have a dollar amount deductible, as shown in earlier examples, or a percentage-based deductible.

A dollar amount deductible is a fixed cost. You can decide on the amount when buying home insurance. A percentage-based deductible is variable. It largely depends on the replacement cost of an insured property. For instance, if you have a $300,000 home and a 1 percent deductible, then you’d have to cover $3,000 when you file for a claim.

Dollar amount deductibles are more convenient and easier to remember. With percentage-based deductibles, you have to check with your provider each time you renew your policy. Replacement costs can change over the years, which in turn affects your deductibles.

What Is It Like To Live in Carlsbad, CA?

Don’t let the ‘bad’ fool you. You’d be amazed by how peaceful this city is. Carlsbad, CA has enough places and amenities to satisfy the most basic pleasures in life. These include beaches, parks, restaurants, and some shops. Even the weather is perfectly mild.

Houses in Carlsbad are pricey and cost an average of $713,600. But with an average household income of $102,722 there’s not much to complain about. All in all, this city has the perfect atmosphere for families and anyone who doesn’t mind a quiet life. No wonder the city grew by a massive 9.2% in just 7 years.

Disclaimer:

The home insurance costs on this web page were retrieved from the official website of California Insurance Department. Actual rates may vary from the displayed costs. Only use our website as a general guideline to compare home insurance rates. Statistics involving US cities and states were sourced from the United States Census Bureau website.

Other California Cities:

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