How much is homeowners insurance in Chula Vista,TX

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The average cost of homeowners insurance in Chula Vista is $2,209 per year (for the coverage level of $300,000 for dwelling, $100,000 for liability protection and $1000 deductible), based on Insure.com’s rate data analysis. It’s $295 less the national average of $2,504.

However, homeowners insurance rates can vary drastically from one home to another. Home insurance rates in Chula Vista depend on a number of factors, including:

Size of your home
Age of your home
Amount of coverage you need
Location
Your credit score

To make sure you are getting the best deal on home insurance, it is important to get quotes from multiple insurers to find the right coverage for your needs. Read this guide to know how much homeowners insurance cost per month in Chula Vista, home insurance cost for different dwelling coverage, also know which companies offer cheap home insurance in Chula Vista.

In this guide, we will explain everything from what coverage options are available to which companies have the cheapest rates for homeowners insurance in Chula Vista.

Key takeaways

The average cost of homeowners insurance in Chula Vista is $2,209 per year.
Progressive is the cheapest homeowners insurance company in Chula Vista with an average annual premium of $2,293.
If you increase your dwelling coverage from $200,000 to $300,000, you will just have to pay $480 more a year for home insurance.

How much is homeowners insurance in Chula Vista per month

Chula Vista homeowners pay an average of $184 a month, based on our rate analysis. It’s $136 less the state average of $320 and $25 less the national average for home insurance across the United States. The price of your homeowners insurance policy in Chula Vista may vary depending on where you live, the value of your home, and the coverage you choose.

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

In Chula Vista, TX, homeowners pay an average of $1,729 annually for a $200,000 home. The annual cost of home insurance is influenced by factors such as the risk of natural disasters in your area.

Regions more susceptible to natural disasters, such as floods, hurricanes, or tornadoes, typically face higher rebuilding costs, leading to increased insurance premiums. It is important to understand that standard insurance policies might not cover damages caused by floods or hurricanes. If you live in a flood-prone area, it is advisable to purchase flood insurance.

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

According to a rate analysis by Insure.com, homeowners in Chula Vista pay an average of $2,209 per year for a $300,000 house. These rates are for the coverage limits of $100,000 for liability protection and $1000 deductible.

If you increase your dwelling coverage from $200,000 to $300,000, you will just have to pay $480 more a year for home insurance. It would be best to buy enough insurance to cover the full cost of rebuilding your home.

However, the amount of dwelling coverage you need may vary depending on the size of your home, the features in your home, and the cost of living in your area.

How much is homeowners insurance in Chula Vista by company

Among the carriers analyzed, Progressive is the cheapest homeowners insurance company in Chula Vista. It’s average annual rate for Chula Vista homeowners is $2,293. State Farm ranks second and Nationwide makes it to the third spot with an average annual home insurance rate of $2,637.

Before choosing a homeowners insurance policy, it is important to do some research on the company. Our experts have analyzed all the insurance companies across Chula Vista and prepared a list of the cheapest home insurance providers. You can find below the Chula Vista home insurance companies and their average annual premium.

Home insurance company	Annual rate
Progressive	$2,293
State Farm	$2,573
Nationwide	$2,637
Farmers	$2,693
USAA*	$1,626

Methodology

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