Find Affordable Homeowners Insurance

Inglewood CA Home Insurance Rates

In Inglewood, CA the home insurance cost per year is between $355 and $4,470 depending on the provider and coverage. Meanwhile, the city’s average home insurance cost is $1,242.35. For comparison, the typical homeowners insurance cost is $986 in California and $1,173 in the United States. Locals spend $256.35 and $69.35 more than the state and national average, respectively.

However, you shouldn’t feel discouraged by these numbers. We compared 48 California insurance agencies in Inglewood and found the most affordable deals for you.

The Best Home Insurance Rates in Inglewood, CA

Pacific Property & Casualty has the cheapest home insurance with a $400,000 policy limit for a new home. If you have an older house, Tokio Marine America offers the lowest prices.

Whether you go with a $300,000 or $400,000 policy limit, you can buy the cheapest homeowners insurance from:

  1. Tokio Marine America ($590.75)
  2. Allstate ($595.25)
  3. CSE Safeguard ($639)
  4. Mercury Ins Group ($640)
  5. ASI Select Ins Corp. ($701)
  6. Pacific Property & Casualty ($713.50)
  7. Safeco ($724.50)
  8. Pacific Specialty ($789)
  9. QBE ($811.50)
  10. Wawanesa ($853.50)
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 coverageAverage
Average$1026.88$1510.77$1176.92$1254.83Inglewood Average:
$1242.35
AAA (Interinsurance Exchange)$622$1,389$1,052$1,062$1031.25
Aegis Security$904$1,202$902$1,093$1025.25
AIG Prop Cas$1,863$2,323$1,763$1,849$1,949.5
Allstate$464$767$575$575$595.25
Amco$694$1,408$1,094$1,141$1084.25
American Modern$1,468$1,600$1,164$1,283$1,378.75
American Reliable$1,480$1,787$1,393$1,709$1,592.25
American Security$1,223$1,747$1,312$1,590$1,468
Amica Mutual$1,148$1,587$1,227$1,227$1,297.25
ASI Select Ins Corp$481$856$678$789$701
Bankers Standard$3,007$3,986$3,698$3,878$3,642.25
California Capital$783$1,186$946$966$970.25
California Casualty$588$1,169$986$1,026$942.25
Chubb/Federal$2,775$3,475$2,743$2,743$2,934
Cincinnati Ins Co$1,686$2,111$1,600$1,679$1,769
CSE Safeguard$422$751$671$712$639
Encompass$1,615$2,250$1,723$1,723$1,827.75
Farmers (Fire Ins)$1,079$1,709$1,393$1,359$1,385
First American Specialty$854$1,408$1,006$1,006$1068.5
Foremost Insurance$1,742$1,916$1,366$1,508$1,633
General Ins$675$1,291$1,032$1,101$1024.75
Grange$858$1,224$963$963$1002
Hartford (Sentinel)$1,107$1,679$1,387$1,621$1,448.5
Homesite$921$1,213$947$1,003$1021
Horace Mann$1,186$1,581$1,123$1,190$1,270
Horace Mann P & C$1,243$1,657$1,177$1,248$1,331.25
IDS Property Casualty$892$1,365$1,009$1,162$1107
Integon/National$953$1,312$985$985$1058.75
Kemper$1,155$1,790$1,462$1,489$1,474
Liberty Ins Corp$774$1,426$1,148$1,470$1204.5
MAPFRE Group$693$1,192$887$928$925
Mercury Ins Group$424$816$644$676$640
Metropolitan Direct$845$1,280$984$1,031$1035
Nationwide$698$1,415$1,100$1,146$1089.75
Pacific Property And Casualty$355$935$707$857$713.5
Pacific Specialty$647$1,023$782$704$789
Privilege Underwriters Exch$3,218$4,470$3,352$3,352$3,598
QBE$678$914$734$920$811.5
Safeco$627$893$689$689$724.5
State Farm$564$1,107$845$915$857.75
Stillwater Ins Co$642$1,248$971$965$956.5
Stillwater Prop & Cas Co$648$1,286$999$1,009$985.5
Tokio Marine America$557$718$544$544$590.75
Travelers$762$1,213$953$903$957.75
Universal North America$562$1,089$871$1,096$904.5
USAA$881$1,156$899$937$968.25
Wawanesa$691$1,075$827$821$853.5
Western Mutual/Residence$1,136$1,522$1,179$1,589$1,356.5

These companies offer budget-friendly coverage for new houses with a $400,000 policy limit:

  1. Pacific Property & Casualty ($355)
  2. CSE Safeguard ($422)
  3. Mercury Ins Group ($424)
  4. Allstate ($464)
  5. ASI Select Ins Corp ($481)

But if you want a $400,000 policy limit for a 7-15 yr house, you should purchase them from these providers:

  1. Tokio Marine America ($718)
  2. CSE Safeguard ($751)
  3. Allstate ($767)
  4. Mercury Ins Group ($816)
  5. ASI Select Ins Corp. ($856)

A $300,000 home insurance policy for the same 7-15 yr house can be had for cheaper at:

  1. Tokio Marine America ($544)
  2. Allstate ($575)
  3. Mercury Ins Group ($644)
  4. CSE Safeguard ($671)
  5. ASI Select Ins Corp. ($678)

If you have a much older 26-40 yr house and want a $300,000 policy limit, the best homeowners insurance companies are:

  1. Tokio Marine America ($544)
  2. Allstate ($575)
  3. Mercury Ins Group ($676)
  4. Safeco ($689)
  5. Pacific Specialty ($704)

Importance of homeowners insurance comparison in Inglewood, CA

Please note that the rates presented above are estimates provided by their respective companies. Actual home insurance rates may be different. For a more accurate valuation, we recommend getting personalized quotes from local agents.

Still, it helps to compare homeowners insurance quotes in Inglewood, CA. You can use this information to find cheap home insurance companies and decide which ones you’ll request quotes from. It can save you a great deal of time if you used our home insurance comparison tool.

Home Insurance Tips That Will Improve Your Coverage

1. Get extra coverage for your valuable possessions

Home insurance protects personal belongings based on the policy limit, deductibles, and the replacement cost of your house. However, valuable possessions like jewelry, antiques, and paintings often come with a $2,500 coverage limit. If your personal belongings cost more than the limit set by your provider, consider buying a rider or endorsement. It’s a feature that extends the coverage of your homeowners insurance.

Have your items appraised so you’ll have proof of their value. You should also take photos of them and keep receipts. You’ll need to present these documents when settling your claims.

2. Review your policy for exclusions

Your home insurance will likely have exclusions stated in the policy. Exclusions can limit your coverage, which is why you need to check for them. The most common exclusions you’ll encounter are:

  • Sewer and drain backup
  • Power surge damage to electronics
  • Home-based business equipment
  • Liability for certain dog breeds
  • Wind and hail damage
  • Flood damage

Talk to your provider about riders or endorsements which can make up for exclusions you’d like covered.

3. Opt for replacement coverage

If possible, buy homeowners insurance that provides coverage based on replacement value. It costs more than a policy that bases its coverage on the actual cash value (ACV) of your home, property, and personal belongings. But it offers better protection against inflation rates.

4. Increase your liability coverage

Experts recommend maximizing your liability protection to $300,000. If you, a family member living in the insured property, or a pet becomes liable for injury or property damage, this type of coverage can help pay for:

  • Repairs
  • Medical expenses
  • Legal expenses

Having coverage against liabilities is extremely important. You can lose your home to lawsuits if you don’t have one or if it doesn’t provide enough coverage.

Things You Should Know Before Moving to Inglewood, CA

Inglewood has become more urbanized in recent years. Despite its remarkable development, the city’s hasn’t grown much. As of 2017, it has an estimated population of  110,598 compared to 109,673 in 2010. So it’s definitely quieter around here.

The California city has relatively few amenities to keep you entertained. These include some parks, a race track, a casino, and the Southeast Symphony with its occasional shows. You can shop almost anywhere in Inglewood but most of the bars, clubs, and restaurants are located downtown. Otherwise, you can always take a 20-minute drive to Los Angeles and have your fill of nightlife and shopping.

Inglewood households earn an average of $46,389 every year. It’s significantly lower than both the state average ($67,169) and national average ($57,652). However, this can be justified by low living costs. The median value of houses in Inglewood, CA are $389,600 compared to the rest of California where it’s $443,400. Rent and monthly owner costs for either mortgaged or unmortgaged property are also cheaper compared to most places in the state.

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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