How much is homeowners insurance in Temecula, California?

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Our data shows that the average cost of homeowners insurance in Temecula is $1,478 per year (for the coverage level of $300,000 for dwelling, $100,000 for liability protection and $1,000 deductible). It’s $1,104 less than the national average of $2,582 .

Homeowners insurance rates differ significantly from one home to another. Home insurance rates in Temecula depend on several factors, including:

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

It’s crucial to compare quotes from multiple insurers to ensure you get the best homeowners insurance policy. This allows you to find the coverage that meets your specific needs.

Read our guide to discover the monthly homeowners insurance cost in Temecula, explore the insurance costs for different dwelling coverage, and find out which companies offer affordable home insurance in Temecula.

Key Takeaways

The average cost of homeowners insurance in Temecula is $1,478 per year.
Allstate is the cheapest homeowners insurance company in Temecula with an average annual premium of $907 .
If you increase your dwelling coverage from $200,000 to $300,000, you will just have to pay $391 more a year for home insurance.

How much is homeowners insurance in Temecula per month?

Residents of Temecula pay an average of $123 a month for homeowners insurance. It’s $7 more than the state average of $116 and $92 less than the national average for home insurance across the nation.

The cost of your homeowners insurance policy in Temecula may change based on location, property value, and selected coverage options.

How much is homeowners insurance for a $200,000 house in Temecula?

The average cost of homeowners insurance in Temecula, CA is $1,087 annually for the dwelling coverage of $200,000 and the liability protection of $100,000. The cost of your home insurance each year depends on several factors – including the risk of natural disasters in your area. If your city is prone to events like hurricanes, wildfires, or floods, you’ll likely pay more for coverage.

Some places are more prone to natural disasters, like floods, hurricanes, or tornadoes. That makes rebuilding after a major event more expensive, which is why home insurance tends to cost more in those areas. And keep in mind, your standard policy probably doesn’t cover flood or hurricane damage. If you live in a high-risk zone, it’s definitely worth looking into separate flood insurance for extra protection.

How much is homeowners insurance for a $300,000 house in Temecula?

As per rate analysis by Insure.com, homeowners residing in Temecula typically pay an average of $1,478 annually to insure a home for coverage limits of $300,000 dwelling, $100,000 liability protection with a $1,000 deductible.

Your home insurance rates will be increased by $391 if you increase your dwelling coverage from $200,000 to $300,000. It is advisable to buy enough insurance to cover the entire 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 Temecula by company?

Among the carriers we analyzed, Allstate is the cheapest homeowners insurance company in Temecula. Its average annual rate for Temecula homeowners is $907 , while Auto Club Enterprises (AAA) ranks second.

Before picking a homeowners insurance policy, it’s a good idea to do a little homework on the company. To make it easier, our experts reviewed all the top insurers in Temecula and put together a list of the most affordable options. Below, you’ll find the average annual premiums for each provider in the area.

Home insurance company	Annual rate
Allstate	$907
Auto Club Enterprises (AAA)	$1,191
Travelers	$1,232
Nationwide	$1,312
Mercury Insurance	$1,616
CSAA Insurance (AAA)	$1,759
Farmers	$1,771
State Farm	$1,895
USAA*	$1,337

*USAA is only available to military community members and their families.

Bundling your home insurance with other policies, such as auto insurance, can result in substantial savings. Many insurers offer discounts to policyholders who combine multiple policies. It will help you lower your premiums and simplify policy management.

Natural disasters in California that can impact your home insurance

Natural disasters are a part of life in California, often leading to expensive insurance claims. That’s why it’s so important to understand which disasters are most likely in your area before choosing a home insurance policy.

When you’re aware of the specific risks in your region, you can tailor your coverage to match – whether that means increasing your policy limits, choosing a deductible you’re comfortable with, or adding extra protection for uncovered events. Taking these steps now can help you avoid being underinsured and give you more financial security if a natural disaster hits your area.

California is commonly affected by Drought, Earthquake, Heat wave, Landslide and Wildfire.

How home insurance protects you against natural disasters

If your home is hit by a covered event, your insurance can help pay for repairs, replace your belongings, and even cover temporary housing if you can’t live in your home. Having the right coverage in place can make it a lot easier to get back on your feet after a disaster.

That said, not everything is automatically included. While most standard policies cover things like wind, hail, and lightning, you’ll usually need extra coverage for disasters like floods, earthquakes, or wildfires. It’s worth taking the time to understand exactly what your policy includes so there are no surprises when you need it most.

TIP

There’s little time to prepare for a natural disaster, and it’s too late to make changes once a storm is on the radar. Make sure your homeowners insurance includes coverage for the types of disasters common in your area. Standard policies don’t always cover everything, like flood damage, so double-check exclusions and consider add-ons if you need them.

Methodology

Insure.com, with the help of Quadrant Information Services, gathered data for homeowners insurance rates in Temecula 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.

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Shivani Gite

Contributing Writer

Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions.