Top 5 Home Insurance Companies in Alhambra, CA
Check out the most popular Home Insurance agencies & companies in Alhambra, CA & compare the best quotes from them.
Tips for Saving Money on Home Insurance in Alhambra, CA
In Alhambra, California, the average cost of homeowner's insurance is $1469.7 As a homeowner in Alhambra, CA, you know your home is your most valuable asset. But what happens if your home is damaged or destroyed in a fire, earthquake, or other disasters? If you don't have homeowner's insurance, you could be left with a huge financial burden. Homeowner's insurance protects your home and belongings from damage or destruction caused by events like fire, theft, vandalism, and weather. It also provides liability coverage if someone is injured on your property. Without homeowner's insurance, you would be responsible for all the costs of repairing or rebuilding your home and replacing your belongings. This could easily bankrupt you. With homeowner's insurance, you can rest assured that you and your home are protected financially in the event of a disaster. It's an essential part of being a responsible homeowner.
But before taking a home insurance plan, homeowners must explore quotes offered by different home insurance companies in Alhambra, CA. Top house insurance providers in Alhambra, California, are providing a multi-policy discount for affordable prices, as shown below.
Tips that can save you some money on your homeowner's insurance in Alhambra, CA:
1. Choose a coverage that fits your home requirements
2. Opt for a higher deductible to lower your insurance premiums
3. Check home insurance rates by the age of the house
4. Install security systems at your home to avail discounts on homeowners insurance
1. Choose a coverage that fits your home requirements
Homeowners' insurance rates in Alhambra, CA, are directly affected by the amount of coverage the policyholder chooses. Higher coverage levels will result in higher premiums, while lower coverage levels will result in lower premiums. It is important for policyholders to carefully consider their coverage needs to get the most affordable rate on their homeowner's insurance. Some factors that affect the amount of coverage required include the value of the home, the amount of personal property inside the home, and the policyholder’s personal liability risk. Homes that are worth more money will need more coverage to protect against potential losses. For example, homeowners in Alhambra, California, who choose a coverage level of $300K pay $1081 for home insurance, while those who choose a coverage level of $100K pay $248.
The cost of home insurance in Alhambra, California varies depending on the level of coverage, as shown in the chart below.
2. Opt for a higher deductible to lower your insurance premiums
When shopping for homeowners insurance in Alhambra, CA, it's important to understand how deductibles work and how they can affect your costs. A deductible is the amount of money you'll pay out-of-pocket before your insurance company pays on a claim. For example, if you have a $500 deductible and you file a claim for $1,000, you'll pay the first $500, and your insurance company will pay the remaining $500. Your deductible choice will have a direct impact on your premium costs. Higher deductibles usually mean lower premiums because you're shouldering more of the risk.
When considering a deductible, it's important to balance your potential out-of-pocket costs with your monthly premium costs. If you can afford a higher deductible, it may be worth paying a little more each month to save on your overall costs. The higher the deductible, the lower the home insurance rates in Alhambra, CA. Therefore, homeowners who choose a $500 deductible pay $1452 toward their home insurance in Alhambra, CA.
3. Check home insurance rates by the age of the house
As the age of a home in Alhambra, CA, increases, homeowners insurance costs also tend to increase. This is because older homes are more likely to experience problems that require repairs or replacement, such as plumbing, electrical, or roofing. In addition, older homes are more likely to experience fires, which can be very costly to repair. As such, it is important to consider the age of a home when shopping for homeowners insurance in Alhambra, CA. For example, in Alhambra, CA, homes that are 30 or 40 years old pay $1491 and $1507 for insurance, whereas freshly constructed properties cost $1175.76.
4. Install security systems at your home to avail discounts on homeowners insurance
One of the best tips to avail discounts on homeowners insurance is by installing a safety feature to protect your home. Adding safety features to your home is a great way to help protect your family and possessions and save money on your homeowner's insurance. In Alhambra, CA, discounts may be available on your premium if you have certain safety features installed in your homes, such as burglar alarms, fire sprinklers, or deadbolt locks. For example, homes in Alhambra, California, with deadbolts and fire extinguishers, pay $1308 and $1366 for home insurance.
Top Home Insurance Companies in Alhambra, CA
| Home Insurance Company | A.M. Best Financial Strength Rating | Homeowners Insurance Market share |
|---|---|---|
| State Farm | A | 17.56% |
| GEICO | A++ | 13.8% |
| Liberty Mutual | A | 6.24% |
| Nationwide | A+ | 4.15% |
| Travelers | A++ | 3.18% |
Top Nationwide Home Insurance Agents in Alhambra, CA
| Homeowners Insurance Agents | Agent Address | Contact Details | ||
|---|---|---|---|---|
| David A Wilson | 1879 E Thousand Oaks Blvd 91362 |
818-991-5588 | ||
| Randall A Tucker Lutcf | 330 W 11th St Apt 709 90015 |
(213) 745-2828 | ||
| Jameel Faquir Kalimah Agency | 100 N CITRUS ST STE 428 91791 |
626-966-6888 | ||
| Oglesby & Associates Insurance And Financial Servi | 303 N SAN DIMAS AVE 91773 |
909-305-0177 | ||
| Coleman Agency Inc | 17011 Beach Blvd Ste 101 92647-5969 |
714-848-6368 | ||
| Barhorst Ins Group Ltd | 3580 Wlshre Blvd Ste 130 90010-2502 |
213-365-2071 | ||
| Michael Paul Kirtley Agency | 19200 Von Karman Ave Suite 200 92612 |
1-949-863-1567 | ||
| Davenport Agency | 665 N. Tustin Street 92867-7147 |
714-633-3020 | ||
| Glen H Crowell | 1451 Rimpau Ave Ste 101 92879 |
(951) 279-6000 | ||
| Collie A Lawless | 850 Colorado Blvd Ste 204 90041-1733 |
323-256-2251 |
| Homeowners Insurance Agents | Agent Address | Contact Details | ||
|---|---|---|---|---|
| Rufus Johnson | 23651 Birtcher Dr 92630 |
(949) 855-0112 Email:rujohnson@geico.com |
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| Charles Vanpeenen | 118 W Macarthur Blvd 92707-4908 |
714-549-2058 Email:cvanpeenen@geico.com |
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| Roger Armfield | 3745 Long Beach Blvd Ste 200 90807 |
(562) 513-1280 Email:rarmfield@geico.com |
| Homeowners Insurance Agents | Agent Address | Contact Details | ||
|---|---|---|---|---|
| Donald M Weibling Insurance Agency | 720 E Arrow Hwy Ste H 91722 |
(626) 856-1999 | ||
| Bradford Watson Co Inc | 13658 Hawthorne Blvd Ste 100B 90250-5811 |
310-675-3339 Email:poejennie@gmail.com |
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| Boney Insurance Office | 1931 W Glenoaks Blvd 91201-4391 |
818-956-0111 | ||
| Isaak Insurance Agency Inc | 111 W OCEAN BLVD 4TH FL 90802 |
310-375-3000 | ||
| A-1 Agency | 2750 N Bellflower Blvd Ste 208 90815-1146 |
562-420-6469 | ||
| David H Stiel Jr Agcy | 8490 Santa Monica Blvd www.stielinsurance.com 90069-4261 |
310-854-2500 Email:stiel@stielinsurance.com |
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| Aaron L Grober Agency Inc | 4195 N Viking Way Ste 180 90808-1468 |
562-420-6819 | ||
| Roebuck Associates Insurance Exchange Llc | 2760 E Spring St Ste 111c 90806 |
(714) 612-7648 | ||
| Rs Insurance Services | 1540 W Glenoaks Blvd Ste 102 91201 |
(818) 241-1114 | ||
| Adventist Health Employees | 2511 S Euclid Ave 91762-6620 |
909-983-0571 |
| Homeowners Insurance Agents | Agent Address | Contact Details | ||
|---|---|---|---|---|
| Nathan Wise | 7891 MISSION GROVE PKWY S STE G 92508 |
951-275-0340 | ||
| Christina Viviani | 210 W Main St Ste 103 92780-7701 |
714-730-8090 | ||
| Cameron Statler | 26047 Bqt Cyn Rd 91350-2639 |
661-255-5252 | ||
| Kevin Rounds | 636 E CHAPMAN AVE 92866 |
714-532-3341 | ||
| Ginger Copeland Lutcf | 1925 W Temple St Ste 206 90026 |
(213) 483-3660 | ||
| Carol Ford | 24225 Main St Ste 3 91321-3039 |
661-200-3800 | ||
| Patsy Damelio | 22471 ASPAN ST STE 200 92630 |
(714) 527-4187 | ||
| Karen Selinger | 12100 WILSHIRE BLVD STE 300 90025 |
310-207-9796 | ||
| Karen Suttles | 315 S BEVERLY DR STE 208 90212 |
310-282-8331 | ||
| Nelson Marenco | 15303 VENTURA BLVD FL 7 91403 |
(818) 464-9300 |
| Homeowners Insurance Agents | Agent Address | Contact Details | ||
|---|---|---|---|---|
| Randy Dresbach | 11421 Carson St., Suite P Lakewood 90715 |
(562) 731-0741 | ||
| Mark E Sisk | 1920 Main Street, Suite 600 92614 |
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| Ted Thompson | 135 S. State College Blvd., Suite 200 92821 |
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| Dave Voglund | 2904 Westminster Avenue www.davevoglund.com 90740-5305 |
714-995-0585 | ||
| Pat Protzman | 22019 VANOWEN ST STE G www.patprotzmaninsurance.com 91303 |
(818) 704-6625 | ||
| Brian Davis | 8418 Sunland Blvd www.briandavisinsurance.com 91352-3436 |
818-938-8000 | ||
| Julie Williams | 6809 INDIANA AVE 202 www.juliewilliamsinsurance.com 92506 |
951-300-9333 | ||
| Brent Koenig | 3175 N Garey Ave www.brentkoenig.com 91767-1367 |
909-593-8819 | ||
| Beth Shutko | 875 N Gower St www.bethshutko.com 90038-3914 |
323-462-1096 | ||
| Anne Larsen | 5506 Riverside Dr 91710-4301 |
909-590-7935 |
| Home Insurance Company | Justified Complaint Ratio 2018 | Number of Justified Complaints 2018 | Justified Complaint Ratio 2017 | Number of Justified Complaints 2017 |
|---|---|---|---|---|
| Allstate | 1.7 | 11 | 2.4 | 16 |
| Nationwide | 3.2 | 2 | 1.6 | 1 |
| State Farm | 3.9 | 85 | 3.9 | 86 |
| Liberty Mutual | 11.5 | 31 | 5.6 | 14 |
Homeowners Insurance Comparison for the Cheapest Premiums in Alhambra, CA
| Travelers | GEICO | Liberty Mutual | |
| Median Home Value ($) | 608,420 | 558,420 | 538,420 |
| Construction year | 1967 | 1962 | 1959 |
| Home Coverage ($) | $800000-$900000 | $800000-$900000 | $600000-$700000 |
| Total Premium ($) | $2091 | $2203 | $1790 |
Alhambra, CA Multi Policy Discounts by Home Insurance Companies
| Home Insurance Company | Multi Policy Discount (%) |
|---|---|
| Nationwide | upto 11% |
| GEICO | upto 23% |
| Travelers | upto 9% |
| Liberty Mutual | upto 17% |