Gavop's guide to buying homeowners insurance in Ramona, 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.
| Ramona, CA - Neighbourhoods, Census Blocks & Streets | 3 Bedroom | 4 Bedroom | ||||
|---|---|---|---|---|---|---|
| Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | |
| Via Cuesta, Cerro Vista Way, Highland Hills Dr, Via Lopez Ct, Thomas Paine Ln, Brazos St, Quest Rd, Gunn Stage Rd, Kelly Ave, Kalbaugh St | $442,500 | $400,000 | $350,000-$400,000 | $426,500 | $350,000 | $350,000-$400,000 |
| Tag Ln, Davis St, Dye Rd, Sunny Hills Ct, Hillcrest Ln, Adrienne Way, Sparrow Hawk Ct, Whispering Oaks Ln, Rowley Way, Reaser Ln | $540,000 | $480,000 | $500,000-$600,000 | $797,000 | $660,000 | $700,000-$800,000 |
| Vicente Meadow Dr, Traylor Rd, Rancho Ballena Rd, Rockin Oaks Way, Vista Vicente Way, Mimosa Creek Ln, Ladrido Ln, Sargeant Rd, Calle Amistad Dr, Rancho Allen Ln | $420,000 | $390,000 | $400,000-$500,000 | $845,500 | $680,000 | $900,000-$1,000,000 |
| Kings Villa Rd, Ivy Pass Cir, Overhill Pl, Amigos Ln, Kirks Way, Atteridge Rd, la Brea Ct, Moonglow Dr, Shandy Ln, Acadia Way | $450,000 | $360,000 | $400,000-$500,000 | $364,000 | $320,000 | $300,000-$350,000 |
| Quail Rock Rd, Nectar Way, Pile St, Durgin St, Oakana Rd, Open View Rd, Cam del Roca, Cam de Amor, Kay Dee Ln, Montecito Way | $434,000 | $390,000 | $400,000-$500,000 | $581,500 | $490,000 | $600,000-$700,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$209 | $1,019 |
| Superior Protection Discount | -$123 | $1,105 |
| Fire & Security Discount | -$98 | $1,129 |
| Hail Resistant Roof Discount | -$25 | $1,203 |
| Newly Constructed Home Discount | -$258 | $970 |
| Claim Type | Average Claim Cost |
|---|---|
| General Claims | |
| Water Damage | $5,914 |
| Physical Damage | $2,464 |
| Hail Damage | $4,524 |
| Wind Damage | $6,624 |
| Expensive Claims | |
| Fire | $46,016 |
| Smoke | $15,884 |
| Home Insurance Company Ramona, CA | Homeowners Insurance Agency Ramona, CA | Address | Popularity Score | Distance from Ramona (miles) |
|---|---|---|---|---|
| State Farm | Doug Steiner | 680 Fletcher Pkwy Ste 205, El Cajon, CA, 92020-2500 | 17.0 | |
| State Farm | Ken Jakubowski | 9636 Tierra Grande St Ste 204, San Diego, CA, 92126-6502 | 18.2 | |
| State Farm | Lori Long | 10845 Rb Rd Ste 102, San Diego, CA, 92127-2107 | 14.0 | |
| State Farm | Nathan Zurek | 7185 Navajo Rd Ste B, San Diego, CA, 92119-1699 | 19.2 | |
| Farmers | Dale Walker | 13240 Evening Creek Dr S Ste 306, San Diego, CA, 92128 | 15.2 | |
| State Farm | Renee Murphy | 12121 Scrps Summit Dr Ste 100, San Diego, CA, 92131-4609 | 15.8 | |
| State Farm | Brian Giblin | 9939 Hibert St Ste 203, San Diego, CA, 92131-1031 | 17.1 | |
| State Farm | Ish Lopez | 574 E Mission Rd Ste B, San Marcos, CA, 92069-1832 | 18.8 | |
| State Farm | Cortie Dove | 315 11th St, Ramona, CA, 92065-3911 | 1.0 | |
| Travelers | Pacific Edge Insurance Agency | 2850 Pio Pico Dr Ste E, Carlsbad, CA, 92008 | 29.8 |
| 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 Diego County, CA | $484,900 | $1,384 | $1,020 | $1,880 | $860 |
| Ramona, CA | $448,800 | $1,228 | $910 | $1,670 | $760 |
| Julian, CA | $338,900 | $893 | $660 | $1,210 | $550 |
| Rancho San Diego, CA | $560,100 | $940 | $700 | $1,280 | $580 |
| Rancho Santa Fe, CA | $2,000,001 | $825 | $610 | $1,120 | $510 |
| Encinitas, CA | $862,300 | $1,550 | $1,150 | $2,110 | $960 |
| Pine Valley, CA | $387,800 | $1,045 | $770 | $1,420 | $650 |
| Oceanside, CA | $423,100 | $1,108 | $820 | $1,510 | $690 |
| Jacumba, CA | $129,900 | $555 | $410 | $750 | $340 |
| Hemet-San Jacinto, CA | $163,400 | $1,056 | $780 | $1,440 | $660 |
| Idyllwild-Pine Cove, CA | $275,200 | $759 | $560 | $1,030 | $470 |