Gavop shows you how to buy homeowners insurance in Valley Center, CA by estimating coverage, choosing the right deductible, contacting the best agents, understanding claim requirements, comparing cheap rates, using discount options and reading reviews.
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $123,000 | $110,000 | $125,000-$150,000 |
| 2 Bedroom | $294,000 | $260,000 | $250,000-$300,000 |
| 3 Bedroom | $405,500 | $380,000 | $400,000-$500,000 |
| 4 Bedroom | $585,500 | $520,000 | $500,000-$600,000 |
| 5 Bedroom | $1,140,000 | $920,000 | More than 10,000,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$151 | $854 |
| Superior Protection Discount | -$90 | $914 |
| Fire & Security Discount | -$110 | $894 |
| Hail Resistant Roof Discount | -$20 | $984 |
| Newly Constructed Home Discount | -$291 | $713 |
| Claim Type | Average Claim Cost |
|---|---|
| General Claims | |
| Water Damage | $5,914 |
| Physical Damage | $2,295 |
| Hail Damage | $4,948 |
| Wind Damage | $6,496 |
| Expensive Claims | |
| Fire | $42,442 |
| Smoke | $16,386 |
| Home Insurance Company Valley Center, CA | Homeowners Insurance Agency Valley Center, CA | Address | Popularity Score | Distance from Valley Center (miles) |
|---|---|---|---|---|
| Travelers | San Diego General Insurance Agency Inc | 11415 West Bernardo Ct 101, San Diego, CA, 92127 | 15.5 | |
| State Farm | Vladan Trifunovic | 1635 Rancho Santa Fe Rd, San Marcos, CA, 92078 | 15.5 | |
| Travelers | General Insurance Services | 635 Camino De Los Mares, San Clemente, CA, 92673 | 40.1 | |
| Travelers | 20-20 Insurance Services | 225 West Valley Prkwy Ste 101, Escondido, CA, 92025 | 9.1 | |
| State Farm | Bruce Hofbauer | 12396 World Trade Dr Ste 113, San Diego, CA, 92128-3787 | 17.6 | |
| Allstate | Roger Mitchell Adams | 7040 Avenida Encinas Ste 204, Carlsbad, CA, 92011 | 19.9 | |
| Travelers | Advanced Brokers Insurance Services | 674 Via De La Valle Ste.223, Solana Beach, CA, 92075 | 22.9 | |
| Travelers | Brubaker & Associates Inc | 2585 Pio Pico Dr Ste 100, Carlsbad, CA, 92008 | 20.0 | |
| Travelers | Torgerson Insurance Services Inc | 16885 W Bernardo Dr Ste 245, San Diego, CA, 92127 | 15.6 | |
| State Farm | Bartjan Vargas | 410 W Felicita Avenue, Escondido, CA, 92025-6532 | 10.0 |
| 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 |
| Valley Center, CA | $484,500 | $1,004 | $740 | $1,370 | $630 |
| Murrieta, CA | $383,700 | $990 | $730 | $1,350 | $620 |
| San Clemente, CA | $849,300 | $1,533 | $1,130 | $2,080 | $950 |
| Pine Valley, CA | $387,800 | $1,045 | $770 | $1,420 | $650 |
| Perris, CA | $239,800 | $683 | $510 | $930 | $420 |
| San Juan Capistrano, CA | $635,100 | $1,229 | $910 | $1,670 | $760 |
| Borrego Springs, CA | $158,800 | $597 | $440 | $810 | $370 |
| Palm Springs, CA | $340,600 | $871 | $640 | $1,180 | $540 |
| Laguna Beach, CA | $1,570,700 | $943 | $700 | $1,280 | $580 |
| Woodcrest, CA | $436,500 | $893 | $660 | $1,210 | $550 |