Find Affordable Homeowners Insurance

Temecula CA Home Insurance Rates

Temecula home insurance could cost you up to $1,113 each year. It’s $127 more than the average California home insurance rates. Although compared to the national average, local rates are $60 less. But did you know that you can still buy home insurance for a lower price?

We used our comparison table to rank local home insurance companies based on affordability. Below, you’ll find the cheapest homeowners insurance in Temecula and their average rates based on coverage.

Top Home Insurance Companies in Temecula, CA

Here is a list of local home insurance companies with the most affordable prices:

  1. Integon/National ($692.75)
  2. Mercury Ins Group ($725.75)
  3. First American Specialty ($748)
  4. Western Mutual/Residence ($761.75)
  5. Pacific Specialty ($782.75)
  6. Kemper ($829.50)
  7. Tokio Marine America ($830.75)
  8. QBE ($834.75)
  9. California Capital ($836.25)
  10. AAA Interinsurance Exchange ($858.25)
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$898.81$1363.56$1059.00$1131.58Temecula Average: $1113.24
Integon/National$625$856$645$645$692.75
Mercury Ins Group$412$984$759$748$725.75
First American Specialty$600$980$706$706$748
Western Mutual/Residence$639$855$662$891$761.75
Pacific Specialty$643$1,015$775$698$782.75
Kemper$658$1,010$818$832$829.5
Tokio Marine America$783$1,010$765$765$830.75
QBE$694$943$750$952$834.75
California Capital$674$1,023$815$833$836.25
AAA (Interinsurance Exchange)$519$1,156$875$883$858.25
MAPFRE Group$650$1,117$830$869$866.5
Travelers$705$1,124$882$850$890.25
USAA$815$1,067$826$862$892.5
CSE Safeguard$592$1,051$937$993$893.25
Universal North America$570$1,104$882$1,110$916.5
Pacific Property And Casualty$463$1,205$913$1,105$921.5
Amica Mutual$825$1,141$891$891$937
Safeco$816$1,164$897$897$943.5
Allstate$775$1,285$960$960$995
American Security$813$1,161$872$1,138$996
Grange$872$1,244$978$978$1018
ASI Select Ins Corp$777$1,268$1,001$1,143$1047.25
Aegis Security$925$1,230$922$1,118$1048.75
Amco$672$1,363$1,059$1,104$1049.5
California Casualty$655$1,306$1,096$1,145$1050.5
Wawanesa$820$1,362$1,020$1,006$1052
American Reliable$981$1,180$923$1,129$1053.25
Nationwide$675$1,370$1,064$1,110$1054.75
Stillwater Ins Co$716$1,389$1,080$1,073$1064.5
Stillwater Prop & Cas Co$704$1,394$1,084$1,095$1069.25
General Ins$734$1,403$1,122$1,194$1113.25
Horace Mann$1,054$1,406$972$1,030$1115.5
Homesite$1,012$1,348$1,048$1,110$1,129.5
American Modern$1,219$1,328$967$1,066$1145
IDS Property Casualty$926$1,417$1,047$1,205$1148.75
Liberty Ins Corp$781$1,441$1,156$1,593$1242.75
Horace Mann P & C$1,206$1,608$1,111$1,178$1,275.75
Foremost Insurance$1,384$1,522$1,081$1,193$1,295
State Farm$853$1,672$1,277$1,381$1295.75
Metropolitan Direct$1,144$1,733$1,332$1,396$1,401.25
Cincinnati Ins Co$1,317$1,678$1,276$1,339$1,402.5
Hartford (Sentinel)$1,083$1,687$1,390$1,619$1,444.75
Encompass$1,300$1,811$1,388$1,388$1,471.75
AIG Prop Cas$1,390$1,759$1,337$1,402$1,472
Chubb/Federal$1,582$1,965$1,564$1,564$1,668.75
Farmers (Fire Ins)$1,320$2,211$1,780$1,717$1,757
Privilege Underwriters Exch$1,828$2,539$1,904$1,904$2,043.75
Bankers Standard$1,942$2,566$2,393$2,508$2,352.25

When it comes to the cheapest $400,000 home insurance for a new house, you should look at these companies:

  1. Mercury Ins Group ($412)
  2. Pacific Property & Casualty ($463)
  3. AAA Interinsurance Exchange ($519)
  4. Universal North America ($570)
  5. CSE Safeguard ($592)

A similar $400,000 home insurance policy for a 7 to 15 year house is cheapest if you get them from the following companies:

  1. Western Mutual/Residence ($855)
  2. Integon/National ($856)
  3. QBE ($943)
  4. First American Specialty ($980)
  5. Mercury Ins Group ($984)

You can buy cheaper home insurance for a 7 to 15 year house by opting for a $300,000 policy with these providers:

  1. Integon/National ($645)
  2. Western Mutual/Residence ($662)
  3. First American Specialty ($706)
  4. QBE ($750)
  5. Mercury Ins Group ($759)

To get the cheapest $300,000 policy for a 26 to 40 year house, buy them from:

  1. Integon/National ($645)
  2. Pacific Specialty ($698)
  3. First American Specialty ($706)
  4. Mercury Ins Group ($748)
  5. Tokio Marine America ($765)

Home insurance comparison in Temecula, CA

The main reason you should compare home insurance in Temecula, CA is that it gives you a clearer picture of average rates in the area. You can use this information to decide whereto buy home insurance and which policy to choose.

However, you shouldn’t choose a policy based on prices alone. You should also consider the type of coverage you’re getting at the rate being offered.

10 Basic Home Insurance Terms You Need to Know

Reading a home insurance policy can get confusing, especially if it’s your first time. It includes a lot of jargon. And if you’re unfamiliar to them, you’ll likely bump into problems in the future. You can avoid hiccups by getting to know these basic home insurance terms:

  1. A premium is the cost of homeowners insurance. Depending on the provider, it can be expressed as monthly or annual rates.
  2. A deductible is an amount you have to pay upfront for damages before coverage takes over.
  3. A limit is a total amount covered by your insurance policy (i.e. $300,000).
  4. A sublimit specifies the maximum amount covered by your insurance for a certain loss. For example, a company might set a $100,000 sublimit on dwellers coverage out of your $400,000 limit.
  5. Perils refer to risks covered by a provider. Learn more about perils here.
  6. Exclusions are conditions that will not be covered by insurance.
  7. Personal property refers to portable contents inside your home (i.e. furniture).
  8. A rider is an additional policy which you can buy to extend your home insurance coverage.
  9. Home insurance that covers replacement costs will pay for damage and losses based on the amount of money it takes to rebuild or repair the damage.
  10. Insurance companies which reimburse the actual cash value will consider the market value of an insured property when covering for damage or losses.

Living in Temecula, CA – What Is It Like?

Temecula is one of fastest growing cities in California. From a population of 100,048 in 2010, the city experienced a whopping 14.1% increase and had 114,327 residents by 2017.

There are several reasons behind this massive growth. One of them is high income. Another is cheap housing. While most households in the state earn $67,169 each year, local households earn an attractive $87,115. Housing units in Temecula, CA are also cheaper by $48,800 compared to the state average.

Most areas in the city are safe to live in. Traffic is getting worse, but this is made up for by the increasing number of amenities and presence of good schools.

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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