How Can I Make My Murrieta, CA Home Insurance Cheaper

Gavop's guide to buying homeowners insurance in Murrieta, 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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Select the Suitable Coverage Value for your Murrieta, CA Home | Back to Top

Bedrooms Average Home Value Estimated Replacement Value Recommended Home Insurance Coverage
1 Bedroom $76,500 $60,000 $75,000-$100,000
2 Bedroom $230,000 $190,000 $250,000-$300,000
3 Bedroom $201,500 $170,000 $200,000-$250,000
4 Bedroom $478,500 $400,000 $500,000-$600,000
5 Bedroom $676,000 $590,000 $700,000-$800,000

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

Type Discount ($) Premium After Discount ($)
Multipolicy Discount -$139 $851
Superior Protection Discount -$99 $891
Fire & Security Discount -$109 $881
Hail Resistant Roof Discount -$30 $960
Newly Constructed Home Discount -$208 $782

Choose your Murrieta, CA Home Insurance Coverage for your Specific Claim Requirement | Back to Top

Claim Type Average Claim Cost
General Claims
Water Damage $5,975
Physical Damage $2,295
Hail Damage $4,806
Wind Damage $6,178
Expensive Claims
Fire $42,442
Smoke $17,222

Identify Top Home Insurance Agents near Murrieta, CA | Back to Top

Home Insurance Company Murrieta, CA Homeowners Insurance Agency Murrieta, CA Address Popularity Score Distance from Murrieta (miles)
State Farm Chris Risi 32392 Coast Hwy Ste 260, Laguna Beach, CA, 92651-6784
36.2
Liberty Mutual Independent Bmr Insurance Agency 13732 Newport Ave Ste 3, Tustin, CA, 92780
43.3
State Farm Lisa Perez Houghtaling 29950 Haun Rd Ste 205, Menifee, CA, 92586-6527
11.0
Farmers Craig Davis 27645 Jefferson Ave Ste 113, Temecula, CA, 92590
3.2
State Farm Phillip Ngo 18382 Brookhurst Street, Fountain Valley, CA, 92708
49.9
Travelers Ironpoint Insurance Services Llc 23032 Mill Creek Dr, Laguna Hills, CA, 92653
36.7
State Farm Troy Manning 4955 Felspar St Ste J, Riverside, CA, 92509-3020
38.5
State Farm Steven Wang 15333 Culver Dr Ste 130, Irvine, CA, 92604-7134
41.2
State Farm Justin Turner 142 S Imperial Hwy, Anaheim, CA, 92807-3943
44.8
Liberty Mutual Independent Garrett/Mosier Insurance Services Inc. 12 Truman, Irvine, CA, 92620
39.5

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

Compare Quotes from Top Providers and Save now!

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
Riverside County, CA $304,500 $789 $580 $1,070 $490
Murrieta, CA $383,700 $990 $730 $1,350 $620
Elsinore Valley, CA $338,300 $749 $550 $1,020 $470
March ARB, CA $276,300 $761 $560 $1,030 $470
San Marcos, CA $455,700 $1,222 $900 $1,660 $760
Carlsbad, CA $713,600 $1,345 $1,000 $1,830 $830
Banning, CA $197,500 $603 $450 $820 $370
Cherry Valley, CA $207,400 $615 $450 $840 $390
Corona, CA $401,600 $922 $680 $1,250 $570
Jurupa, CA $387,400 $877 $650 $1,190 $540
Julian, CA $338,900 $893 $660 $1,210 $550
Muscoy, CA $202,000 $608 $450 $830 $380

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

Share a review on your home insurance company


State Farm Home Insurance Reviews

Date: July 30, 2019    Age: 50 to 59    Gender: Female    Marital Status: Married

Policy Offerings
In Florida there isn't many choices left and you can feel trapped by an insurance company. The insurance company is willing to adjust my policy to my needs, change deductibles, add on for pool enclosures etc


Date: July 09, 2019    Age: 30 to 39    Gender: Unmarried    Marital Status: Male

Policy Offerings
Improve claims customer experience by delivering the right communications timely. Accelerate customer interactions, spend less time on manual data entry & task management.


Date: April 05, 2019    Age: 30 to 39    Gender: Male    Marital Status: Married

Premium
This cannot be very comparable being I have not shopped around. Doing this survey is encouraging me to do so!

Date: January 01, 2019    Age: 30 to 39    Gender: Female    Marital Status: Married

Premium
My rating is a 4. The premium and deductible is about the normal rate in this area. Just like most of the other companies, the more you pay, the better coverage you have.

Date: September 22, 2018    Age: 30 to 39    Gender: Female    Marital Status: Married

Communication
I like the app. I like being able to get on it any time for general questions. I also like being able to call in and speak to someone directly if I can't get my questions answered on the app.

Date: September 10, 2018    Age: 40 to 49    Gender: Male    Marital Status: Unmarried

Customer Service
Customer Service at State Farm is top notch. Not only do they have a call center, but you can also walk into a branch and get questions answered which is extremely nice.

Date: September 04, 2018    Age: 40 to 49    Gender: Female    Marital Status: Married

Policy Offerings
I haven't checked it in quite a while, but I'm pretty sure my house and property are covered but not sure about things outside of that.


Date: September 04, 2018    Age: Above 60    Gender: Female    Marital Status: Unmarried

Policy Offerings
My house and furniture are covered along with any valuable belongings in the home.


Date: September 03, 2018    Age: 40 to 49    Gender: Female    Marital Status: Unmarried

Premium
I think my premium is probably average for the home that I have. I would like more coverage for my premium, But it's not going to happen. Prices just keep going up.

Date: August 15, 2018    Age: 40 to 49    Gender: Male    Marital Status: Unmarried

Communication
They send me the occasional piece of junk mail that promptly goes into the recycle bin, but don't overdo it. I kind of like that as I will reach out to them if I need anything.

Date: August 13, 2018    Age: Above 60    Gender: Male    Marital Status: Unmarried

Website/App
I like that I can get on it at any time and try to answer any questions I might have about my coverage and what is included in it.

Date: August 04, 2018    Age: 30 to 39    Gender: Female    Marital Status: Unmarried

Customer Service
I like that someone is always there to answer my questions. I can call and either get the owner of State farm or someone who knows their stuff. It's quite good.

Date: June 07, 2018    Age: 30 to 39    Gender: Female    Marital Status: Unmarried

Premium
My guess is that it's pretty close to what I would get with other companies. I get a bit of a discount back because of multi-lines with my cars for it.

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

Website/App
It's functional enough; it's not quite as high-tech as some of the other sites like Progressive or AFLAC and could stand to be updated, but good enough for now.

Allstate Home Insurance Reviews

Date: December 28, 2019    Age: 20 to 29    Gender: Female    Marital Status: Married

Customer Service
It was a pleasant experience with this company, as they provide a good and valuable services with them, their customer service are also good and polite.

Date: October 21, 2019    Age: 50 to 59    Gender: Female    Marital Status: Married

Customer Service
I have always had good customer service with our homeowner's insurance company, but we have only had to make changes to the policy, we have never had a claim, so I'm not sure how the claim department would be.

Date: February 07, 2019    Age: 20 to 29    Gender: Male    Marital Status: Unmarried

Customer Service
I have always found my insurance company to be very helpful and prompt with assisting me. They are always well informed, and are able to assist with any questions.

Date: December 07, 2018    Age: 30 to 39    Gender: Female    Marital Status: Unmarried

Customer Service
I have never filed a claim, so I have very limited experience with the customer service of my insurance company. I am not dis-satisfied by any means. I've been using this company since before I purchased my home. I had renters and car insurance through them previously. Therefore, I've been with the company for 6-7 years.

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

Communication
I don't like the spam mail. I wish all companies would stop flooding my mailbox with letters since it gets really annoying sorting that stuff out and is probably bad for the environment.

Date: September 04, 2018    Age: Above 60    Gender: Female    Marital Status: Married

Premium
I don't know, seems about the same quote as everyone else in the area for what we have. I can't complain. We went with them because they had an agent in town instead of the next one over.

Date: August 15, 2018    Age: 20 to 29    Gender: Male    Marital Status: Unmarried

Customer Service
They have 24 hour coverage but sometimes can be useless. I also hate the phone menu at the beginning. Let me speak to a real person.

Date: August 04, 2018    Age: 40 to 49    Gender: Female    Marital Status: Married

Website/App
It's broken up into either a lot of different pages or one page that I have to zoom in to see everything and that breaks the tables/formatting.

Mercury Home Insurance Reviews

Date: June 02, 2019    Age: 50 to 59    Gender: Married    Marital Status: Female

Customer Service
Very good services. I asked them to repair the mold in our basement due to snow, and they did it right away without any problems.

Date: October 05, 2018    Age: 20 to 29    Gender: Female    Marital Status: Married

Communication
I like everything about this company I have no negative points about it I think it's very good, even the online support in perfect and RAPID

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

Premium
Well for me this insurance company has no competition, there is no other at your level, in my opinion, it is very good I recommend it as the number one insurer

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

Website/App
The website and the mobile application I think is great I think it is very useful for me as for other people who use this insurer

Date: July 27, 2018    Age: 20 to 29    Gender: Female    Marital Status: Married

Policy Offerings
I think the best insurance service of very reliable doctors the insurance policy of the company took years with them


Progressive Home Insurance Reviews

Date: January 07, 2020    Age: 30 to 39    Gender: Female    Marital Status: Married

Policy Offerings
I wouldn't say that our insurance provides anything special for us compared to any other company. We chose our company because it seemed to offer just as much as everyone else but at a better rate.


Date: September 15, 2019    Age: 20 to 29    Gender: Male    Marital Status: Unmarried

Policy Offerings
The policy wasn't the most coverage but it was the cheapest. It also wasn't the least amount of coverage. So therefore I'd say it was a happy medium.


Farmer's Insurance Home Insurance Reviews

Date: October 04, 2019    Age: Above 60    Gender: Female    Marital Status: Married

Premium
I am paying a high deductible and premium but there was not really many options to choose from.

Date: July 12, 2019    Age: >60 years    Gender: Female    Marital Status: Unmarried

Customer Service
I have not had to file any claims yet with this insurance company. I have been with Farmer's Insurance since 2012. They seem to be nice people. Rating 5 for talking with them and always being there.

USAA Home Insurance Reviews

Date: November 04, 2018    Age: 40 to 49    Gender: Female    Marital Status: Married

Policy Offerings
USAA has so many good perks and have very dedicated personnel available to answer any and every question you may have


Travelers Home Insurance Reviews

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

Premium
I am very much happy with my companies premium and deductible. They are by far the best rates I have received in years.

Safeco Insurance Home Insurance Reviews

Date: November 25, 2018    Age: 30 to 39    Gender: Male    Marital Status: Unmarried

Policy Offerings
I feel as if they have a solid amount of offerings. I don't feel anything is missing from my policy. After doing a comparison, I feel as if they rank towards the top.


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