Gavop's guide to buying homeowners insurance in Big Bear City, CA covers how to get the right coverage, optimize deductibles, identify the best agents, understand claim requirements, avail discount options, compare cheap quotes and research reviews.
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $75,000 | $60,000 | $75,000-$100,000 |
| 2 Bedroom | $142,000 | $120,000 | $100,000-$125,000 |
| 3 Bedroom | $156,000 | $130,000 | $175,000-$200,000 |
| 4 Bedroom | $344,500 | $280,000 | $300,000-$350,000 |
| 5 Bedroom | $280,000 | $230,000 | $300,000-$350,000 |
| Bundling Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Home and One Car | -$52 | $597 |
| Home and Two Car | -$110 | $539 |
| Home and Three Car | -$162 | $487 |
| Low Deductible ($500) | High Deductible ($2500) | |||||
|---|---|---|---|---|---|---|
| Place | Example Claim Amount | Yearly Premium | Total Yearly Cost | Yearly Premium | Total Yearly Cost | Net Savings for High Deductible Plan |
| San Bernardino County | $700 | $735 | $1,435 | $534 | $1,234 | $201 |
| Big Bear City, CA | $700 | $641 | $1,341 | $466 | $1,166 | $175 |
| Lucerne Valley, CA | $400 | $955 | $1,355 | $694 | $1,094 | $261 |
| Morongo Valley, CA | $700 | $551 | $1,251 | $401 | $1,101 | $151 |
| Whitewater, CA | $100 | $541 | $641 | $393 | $493 | $148 |
| Calimesa, CA | $2,500 | $594 | $3,094 | $432 | $2,932 | $162 |
| Riverside, CA | $500 | $762 | $1,262 | $554 | $1,054 | $208 |
| Rancho Mirage, CA | $2,000 | $1,049 | $3,049 | $762 | $2,762 | $287 |
| Good Hope, CA | $100 | $595 | $695 | $433 | $533 | $163 |
| Indian Wells, CA | $1,000 | $1,034 | $2,034 | $751 | $1,751 | $283 |
| Lenwood, CA | $300 | $504 | $804 | $366 | $666 | $138 |
| Eastvale, CA | $1,000 | $999 | $1,999 | $726 | $1,726 | $273 |
| Home Insurance Company Big Bear City, CA | Homeowners Insurance Agency Big Bear City, CA | Address | Popularity Score | Distance from Big Bear City (miles) |
|---|---|---|---|---|
| State Farm | Marshall Scott | 23020 Atlantic Circle, Moreno Valley, CA, 92553-5911 | 34.6 | |
| State Farm | Troy Manning | 4955 Felspar St Ste J, Riverside, CA, 92509-3020 | 43.2 | |
| Allstate | Doug Moore | 7270 Victoria Park Ln Ste 3c, Rancho Cucamonga, CA, 91739 | 43.0 | |
| Farmers | Rosa Maria Salazar | 155 W Hospitality Ln Ste 200, San Bernardino, CA, 92408 | 31.0 | |
| Farmers | Monique Lahti | 2086 S E St Ste 103, San Bernardino, CA, 92408 | 31.1 | |
| State Farm | Guillermo Molina | 82900 Avenue 42 Ste G110, Indio, CA, 92203-9664 | 48.3 | |
| Allstate | Loni Kallay | 40100 Washington St Ste 135, Bermuda Dunes, CA, 92203 | 44.5 | |
| State Farm | Tim Douglas | 241 E Base Line Rd, Rialto, CA, 92376-3512 | 34.0 | |
| State Farm | Maria Abrigo | 7000 Indiana Ave Ste 113, Riverside, CA, 92506-4155 | 40.6 | |
| State Farm | Carmen Contreras | 81709 Dr Carreon Blvd Ste A5, Indio, CA, 92201-5509 | 49.4 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| California | $443,400 | $1,291 | $960 | $1,760 | $800 |
| San Bernardino County, CA | $280,200 | $744 | $550 | $1,010 | $460 |
| Big Bear City, CA | $235,000 | $649 | $480 | $880 | $400 |
| Lucerne Valley, CA | $144,900 | $967 | $720 | $1,310 | $590 |
| Morongo Valley, CA | $132,100 | $558 | $410 | $760 | $350 |
| Whitewater, CA | $125,900 | $548 | $410 | $750 | $340 |
| Calimesa, CA | $196,900 | $602 | $450 | $820 | $370 |
| Riverside, CA | $295,500 | $771 | $570 | $1,050 | $480 |
| Rancho Mirage, CA | $483,100 | $1,061 | $790 | $1,440 | $650 |
| Good Hope, CA | $197,500 | $603 | $450 | $820 | $370 |
| Indian Wells, CA | $680,000 | $1,046 | $770 | $1,420 | $650 |
| Lenwood, CA | $103,500 | $510 | $380 | $690 | $310 |
| Eastvale, CA | $496,000 | $1,011 | $750 | $1,370 | $620 |