How Can I Make My Simi Valley, CA Home Insurance Cheaper

Gavop's guide to buying homeowners insurance in Simi Valley, 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.

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No	Topics
1	Research How your Simi Valley, CA Home Impacts your Rates
2	Match your Background to Simi Valley, CA Home Insurance Offers
3	Optimize your Simi Valley, CA Homeowners Insurance Policy
4	Identify Top Home Insurance Agents near Simi Valley, CA
5	Compare Rates from Home Insurance Companies in Simi Valley, CA
6	Research Home Insurance Companies Reviews in Simi Valley, CA

Select the Suitable Coverage Value for your Simi Valley, CA Home | Back to Top

Bedrooms	Average Home Value	Estimated Replacement Value	Recommended Home Insurance Coverage
1 Bedroom	$130,000	$120,000	$150,000-$175,000
2 Bedroom	$306,500	$280,000	$300,000-$350,000
3 Bedroom	$462,000	$380,000	$400,000-$500,000
4 Bedroom	$351,500	$300,000	$300,000-$350,000
5 Bedroom	$732,500	$640,000	$600,000-$700,000

Estimate your Savings with Home Insurance Discounts in Simi Valley, CA | Back to Top

Type	Discount ($)	Premium After Discount ($)
Multipolicy Discount	-$264	$1,124
Superior Protection Discount	-$125	$1,263
Fire & Security Discount	-$139	$1,249
Hail Resistant Roof Discount	-$42	$1,346
Newly Constructed Home Discount	-$278	$1,110

Choose the Right Deductible for your Simi Valley, CA Home | Back to Top

		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
Ventura County	$700	$1,381	$2,081	$1,004	$1,704	$377
Simi Valley, CA	$2,000	$1,371	$3,371	$996	$2,996	$375
Oak Park, CA	$300	$1,074	$1,374	$781	$1,081	$294
Santa Rosa Valley, CA	$2,500	$2,681	$5,181	$1,949	$4,449	$733
Hasley Canyon, CA	$400	$2,127	$2,527	$1,546	$1,946	$581
Agoura Hills-Malibu, CA	$700	$925	$1,625	$672	$1,372	$253
El Rio, CA	$400	$820	$1,220	$596	$996	$224
Elizabeth Lake, CA	$2,500	$697	$3,197	$506	$3,006	$190
Willowbrook, CA	$400	$686	$1,086	$499	$899	$188
North Antelope Valley, CA	$2,000	$659	$2,659	$479	$2,479	$180
Signal Hill, CA	$100	$916	$1,016	$666	$766	$250
Hacienda Heights, CA	$1,500	$1,434	$2,934	$1,042	$2,542	$392

Identify Top Home Insurance Agents near Simi Valley, CA | Back to Top

Home Insurance Company Simi Valley, CA	Homeowners Insurance Agency Simi Valley, CA	Address	Distance from Simi Valley (miles)
State Farm	Lynda Rummelhoff	332 Moorpark Ave, Moorpark, CA, 93021-1849	8.9
State Farm	Eric Little	1985 1st St, Simi Valley, CA, 93065-2823	3.0
Travelers	B & B Premier Insurance Solutions Inc	5008 Cheseboro Rd Ste 200, Agoura, CA, 91301	9.6
Farmers	Shahrzad Azarmi	6320 Canoga Ave Fl 15, Woodland Hills, CA, 91367	9.8
State Farm	Richard Calderon	5556 S Centinela Ave Ste 4, Los Angeles, CA, 90066-6912	27.4
Allstate	Sara Mirzaei	7230b Canoga Ave, Canoga Park, CA, 91303	9.2
State Farm	Richard Graham	950 Enchanted Way Ste 106, Simi Valley, CA, 93065-0908	3.2
State Farm	Don Falsken	18321 Ventura Blvd Ste 310, Tarzana, CA, 91356-6442	13.6
State Farm	Janice Wilson	3262 E T O Blvd Ste 206, Thousand Oaks, CA, 91362-5999	9.8
Travelers	Venbrook Insurance Services	6320 Canoga Ave 12th Fl, Woodland Hills, CA, 91367	9.8

Compare Rates for Simi Valley, CA Home Insurance Providers | Back to Top

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
Ventura County, CA	$520,300	$1,398	$1,030	$1,900	$870
Simi Valley, CA	$515,400	$1,388	$1,030	$1,890	$860
Oak Park, CA	$714,600	$1,087	$800	$1,480	$680
Santa Rosa Valley, CA	$1,101,800	$2,714	$2,010	$3,690	$1,680
Hasley Canyon, CA	$790,000	$2,153	$1,590	$2,930	$1,340
Agoura Hills-Malibu, CA	$909,800	$936	$690	$1,270	$580
El Rio, CA	$371,200	$830	$610	$1,130	$520
Elizabeth Lake, CA	$240,000	$705	$520	$960	$440
Willowbrook, CA	$268,100	$695	$510	$940	$430
North Antelope Valley, CA	$211,900	$667	$490	$910	$420
Signal Hill, CA	$445,700	$927	$690	$1,260	$570
Hacienda Heights, CA	$545,400	$1,452	$1,070	$1,970	$900

Research Home Insurance Companies Reviews in Simi Valley, CA Before Buying | Back to Top

Share a review on your home insurance company

Allstate Home Insurance Reviews

Date: March 04, 2019 Age: 30 to 39 Gender: Female Marital Status: Married

Customer Service

This company is local and always available to answer my questions. I rarely have an issue, but when I do, my questions are answered promptly and with the correct answer.

Date: January 16, 2019 Age: 30 to 39 Gender: Female Marital Status: Married

Premium

The deductible of my policy is much less than other insurance companies that offer similar coverage. I would rate Allstate a 5.

Date: December 07, 2018 Age: 20 to 29 Gender: Female Marital Status: Married

Policy Offerings

They offer just about everything I need. They also offer help in situations where they may not directly cover but can point you to the proper authorities.

Date: October 05, 2018 Age: Above 60 Gender: Female Marital Status: Married

Communication

I like the communication from the company when I receive a phone call. I can speak to a person and resolve an issue fairly quickly if I can speak to a manager, and a knowledgeable rep.

Date: September 29, 2018 Age: 40 to 49 Gender: Female Marital Status: Married

Customer Service

The customer service is somewhat easy to navigate with the phone, I prefer to speak to a live person and not with the site. I don't like chat rooms that much either. I think it is much quicker to go thru the phone rather than waste time on the internet. It takes more time to communicate with an agent via email, where the translation can be misinterpreted.

Date: September 29, 2018 Age: 30 to 39 Gender: Female Marital Status: Married

Communication

Our local agent is very courteous and professional. Very helpful when needed and willing to go above and beyond.

Date: September 11, 2018 Age: 20 to 29 Gender: Female Marital Status: Unmarried

Premium

When we switched to our current insurance provider, we wound up saving about $800 a year for basically the same policy. The other company could give us no reason as to why our coverage had gone up almost $800 in two years.

Date: September 05, 2018 Age: 30 to 39 Gender: Female Marital Status: Married

Premium

I probably could find a lower priced insurance, but I am familiar with Allstate. I have had insurance thru them with other policies for years.

Date: August 30, 2018 Age: 30 to 39 Gender: Male Marital Status: Married

Website/App

I like the simplicity of the wording, it is clear to read. I like that they explain exactly what is covered, and how. There is a menu to the left for easy navigation thru the site.

Date: March 08, 2018 Age: 30 to 39 Gender: Male Marital Status: Unmarried

Policy Offerings

My husband is the one who researched insurance for our home, but I believe what we have is pretty compatible with others out there.

Date: December 30, 2017 Age: 20 to 29 Gender: Male Marital Status: Unmarried

Customer Service

We use a local agent so haven't had to call the insurance customer service number. Our agent is great, very responsive and helpful when needed.

Date: December 25, 2017 Age: 30 to 39 Gender: Female Marital Status: Unmarried

Policy Offerings

Personal property, liability such as damage from vandalism, theft, nature, storms are covered - deductible is about 2000 to keep cost down. Fire, floods are also covered.

Date: November 19, 2017 Age: Above 60 Gender: Female Marital Status: Married

Website/App

I haven't used to app to be able to comment on it, but the website is very easy to use and find what you need. Policy documents are very accessible.

Nationwide Home Insurance Reviews

Date: September 21, 2018 Age: 30 to 39 Gender: Male Marital Status: Married

Website/App

When I first downloaded the company's app, it had a lot of glitches and would freeze and stop working. But they have worked the bugs out and it works now.

Date: September 10, 2018 Age: 50 to 59 Gender: Male Marital Status: Married

Communication

Everyone I have interacted with has been kind and very helpful. I like that in a company. They make you feel like a valued customer.

Date: September 10, 2018 Age: 30 to 39 Gender: Male Marital Status: Unmarried

Policy Offerings

My home and injuries on my property are covered. Also lots of things in my home in the event of a fire.

Date: September 06, 2018 Age: 30 to 39 Gender: Female Marital Status: Married

Customer Service

I haven't had to file a claim but whenever I've called with a question, they have been very helpful and kind. I like their attitude.

Date: August 06, 2018 Age: 30 to 39 Gender: Female Marital Status: Unmarried

Premium

I did a cost comparison from many different companies. Nationwide had the best coverage for the best premium that I could find.

State Farm Home Insurance Reviews

Date: October 12, 2019 Age: 40 to 49 Gender: Female Marital Status: Married

Customer Service

I have had a good experience with State Farm, once when a water pipe burst in the garage in the middle of the night; I called and the agent walked me through the process of filling a claim. They are available 24 hours a day.

Date: June 18, 2019 Age: 40 to 49 Gender: Unmarried Marital Status: Female

Premium

The deductible on my policy is not ideal at this point, and was higher than what I found with other companies. However the premium was considerably less than any other quote.

Date: October 26, 2018 Age: 20 to 29 Gender: Male Marital Status: Unmarried

Website/App

There mobile app is very straight forward and to the point, the app is simple to use, and I don't have do go from page to page looking for information.

Progressive Home Insurance Reviews

Date: July 25, 2019 Age: 30 to 39 Gender: Male Marital Status: Married

Premium

I think the premium/deductable is comparable to other plans and I feel you get more for your money from this plan.

Date: March 31, 2019 Age: 40 to 49 Gender: Female Marital Status: Married

Premium

I don't remember what the other companies were. I've been with this company for close to 2 years. I usually choose a mid range deductible of $500 or $1000.

Date: February 27, 2019 Age: 20 to 29 Gender: Male Marital Status: Unmarried

Policy Offerings

I think the coverage that they offer is about the same as other insurance companies. In addition, I think that their coverage is relatively good and painless.

Horace Mann Educators Corporation Home Insurance Reviews

Date: November 16, 2018 Age: 30 to 39 Gender: Female Marital Status: Married

Customer Service

My agent has contacted me on a regular basis during the Hurricane season to see how prepared I was. Also, when I had issues with a claim, he was there to walk me through - step by step.