How Can I Make My Escondido, CA Home Insurance Cheaper
Gavop's guide to buying homeowners insurance in Escondido, 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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Estimate Appropriate Escondido, CA Home Insurance Coverage Levels | Back to Top
| Escondido, CA - Neighbourhoods, Census Blocks & Streets | 2 Bedroom | 3 Bedroom | ||||
|---|---|---|---|---|---|---|
| Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | |
| Debbie Pl, Ysabel Creek Rd, Rue Montreux, Choctaw Ridge Rd, Katy Pl, Dan Way, Bourbon Rd, Cll de la Paz, Cypress Ridge Dr, Nancy St | $255,000 | $220,000 | $250,000-$300,000 | $453,500 | $390,000 | $400,000-$500,000 |
| Autumn Woods Pl, S Maple St, Cougar Pass Rd, Larry Ln, la Brea St, W 10th Ave, Industrial St, View Pointe Ave, Khayyam Rd, Ave Amorosa | $148,500 | $130,000 | $150,000-$175,000 | $310,500 | $260,000 | $250,000-$300,000 |
| Eldorado Dr, Lawrence Welk Dr, Turtle Dove Ln, Mountain Meadows Rd, Vista Terazza Ct, 3rd Pl, Shadow Glen, Jesmond Dene Heights Rd, Seph Way, Queenston Dr | $385,000 | $360,000 | $400,000-$500,000 | $367,000 | $340,000 | $350,000-$400,000 |
| Poe St, Venture St, Cam Bailen, Willow Meadow Pl, Caliente Glen, Bresa de Loma Dr, Dundee Glen, Holland Glen, Kauana Loa Dr, Gum Tree Glen | $163,000 | $140,000 | $175,000-$200,000 | $203,000 | $190,000 | $200,000-$250,000 |
| Emogene Pl, Tawny Pl, Oakstone Creek Pl, Little Creek Rd, Royal Troon Gln, Whitby Glen, Foxfire Pl, Rosewood Ln, Ash Ln, Norlak Ave | $327,000 | $290,000 | $300,000-$350,000 | $368,500 | $340,000 | $300,000-$350,000 |
| Woodglen Pl, Quebec Pl, W 2nd Ave, Walnut Hills Dr, Miller Ave, Foxfire Ct, Little Canyon Ln, Kiwi Meadow Ln, Boulder Pass, Saint Sava Pl | $452,000 | $380,000 | $400,000-$500,000 | $527,000 | $480,000 | $400,000-$500,000 |
| Alexander Dr, Old Wagon Rd, Glenridge Rd, W 2nd Ave, Blossom Hill Ln, Monterey Cypress Cir, Paula St, Vista Verde Way, Via Vida Nueva, Via Valente | $253,000 | $220,000 | $250,000-$300,000 | $464,500 | $400,000 | $400,000-$500,000 |
| Hidden Estate Ln, Daren Glen, Fallsview Pl, Shadowood Ln, Cheyenne Ln, Bienvenido Ln, Ferncreek Ln, Darby St, Pinecrest Ave, Alta Mira Ln | $217,500 | $190,000 | $175,000-$200,000 | $223,000 | $190,000 | $175,000-$200,000 |
| N Summit Circle Glen, Bello Hills Ln, Prairiestone Way, W 8th Ave, Monte Real, Washington Cir, Rorex Dr, Ariel Pl, Banbury Dr, Old San Pasqual Rd | $324,000 | $280,000 | $250,000-$300,000 | $467,500 | $430,000 | $400,000-$500,000 |
| Bolex Way, Pso Cristal, Marjorie Pl, Brenna Hills Pl, Glenwood Way, Pequeno Pl, Engelmann Oak Trl, Gamble St, Medford Ave, Seven Oakes Rd | $243,000 | $200,000 | $250,000-$300,000 | $196,500 | $160,000 | $175,000-$200,000 |
Estimate your Savings with Home Insurance Discounts in Escondido, CA | Back to Top
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$160 | $841 |
| Superior Protection Discount | -$90 | $911 |
| Fire & Security Discount | -$80 | $921 |
| Hail Resistant Roof Discount | -$20 | $982 |
| Newly Constructed Home Discount | -$230 | $771 |
Choose the Right Deductible for your Escondido, 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 |
| San Diego County | $1,000 | $1,368 | $2,368 | $994 | $1,994 | $374 |
| Escondido, CA | $700 | $990 | $1,690 | $719 | $1,419 | $270 |
| Vista, CA | $300 | $1,096 | $1,396 | $797 | $1,097 | $300 |
| Fallbrook, CA | $700 | $1,345 | $2,045 | $978 | $1,678 | $368 |
| Murrieta, CA | $300 | $978 | $1,278 | $711 | $1,011 | $267 |
| Spring Valley, CA | $1,500 | $787 | $2,287 | $572 | $2,072 | $215 |
| Lakeland Village, CA | $400 | $633 | $1,033 | $460 | $860 | $173 |
| East Hemet, CA | $2,000 | $647 | $2,647 | $470 | $2,470 | $177 |
| Romoland, CA | $500 | $790 | $1,290 | $574 | $1,074 | $216 |
| Idyllwild-Pine Cove, CA | $700 | $750 | $1,450 | $545 | $1,245 | $205 |
| Temescal Valley, CA | $500 | $894 | $1,394 | $650 | $1,150 | $244 |
Identify Top Home Insurance Agents near Escondido, CA | Back to Top
| Home Insurance Company Escondido, CA | Homeowners Insurance Agency Escondido, CA | Address | Popularity Score | Distance from Escondido (miles) |
|---|---|---|---|---|
| Travelers | San Diego General Insurance Agency Inc | 11415 West Bernardo Ct 101, San Diego, CA, 92127 | 7.7 | |
| Farmers | Steven Wilson | 16516 Bernardo Center Dr, San Diego, CA, 92128 | 8.2 | |
| Farmers | Marie Milliman | 16516 Bernardo Center Dr Ste 150, San Diego, CA, 92128 | 8.2 | |
| Liberty Mutual Independent | Wateridge Insurance Services | 10717 Sorrento Valley Rd, San Diego, CA, 92121 | 18.3 | |
| Allstate | Alan Keddington | 26072 Merit Cir Ste 105, Laguna Hills, CA, 92653 | 46.2 | |
| Liberty Mutual Independent | Mckinzie Insurance Agency Inc | 6965 El Camino Real Ste 105-515, Carlsbad, CA, 92009 | 11.4 | |
| State Farm | Jesse Dix | 904 W San Marcos Blvd Ste 3, San Marcos, CA, 92078-1118 | 6.5 | |
| Travelers | Torgerson Insurance Services Inc | 16885 W Bernardo Dr Ste 245, San Diego, CA, 92127 | 7.8 | |
| Farmers | Lauren Lanni | 1245 San Elijo Rd S Fl 1, San Marcos, CA, 92078 | 7.6 | |
| State Farm | Steven Dean | 120 W Grand Ave Ste 101, Escondido, CA, 92025-2642 | 0.9 |
Compare Rates for Escondido, 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 |
| San Diego County, CA | $484,900 | $1,384 | $1,020 | $1,880 | $860 |
| Escondido, CA | $396,200 | $1,002 | $740 | $1,360 | $620 |
| Vista, CA | $423,500 | $1,109 | $820 | $1,510 | $690 |
| Fallbrook, CA | $503,700 | $1,362 | $1,010 | $1,850 | $840 |
| Murrieta, CA | $383,700 | $990 | $730 | $1,350 | $620 |
| Spring Valley, CA | $407,200 | $797 | $590 | $1,080 | $490 |
| Lakeland Village, CA | $229,000 | $641 | $470 | $870 | $400 |
| East Hemet, CA | $203,200 | $655 | $480 | $890 | $410 |
| Romoland, CA | $298,000 | $800 | $590 | $1,090 | $500 |
| Idyllwild-Pine Cove, CA | $275,200 | $759 | $560 | $1,030 | $470 |
| Temescal Valley, CA | $396,200 | $905 | $670 | $1,230 | $560 |
Research Home Insurance Companies Reviews in Escondido, CA Before Buying | Back to Top
Share a review on your home insurance company
State Farm Home Insurance Reviews
Date: April 08, 2019 Age: 30 to 39 Gender: Male Marital Status: Unmarried
Premium
My premium is a little bit more than other providers but that was a trade off I was willing to make for their superior service.
Date: December 12, 2018 Age: 20 to 29 Gender: Female Marital Status: Married
Premium
I am unsure how our policy with State Farm compares to other insurance providers. We chose them because we already had our car insurance with them and find that to be great compared to other companies.
Date: September 25, 2018 Age: 20 to 29 Gender: Female Marital Status: Unmarried
Premium
I think the premium is on par with that of other plans. I haven't looked around too much but I feel that I am getting a fair price at the end of the day.
Date: September 22, 2018 Age: 40 to 49 Gender: Male Marital Status: Married
Customer Service
The fact that they are very alert and definitely help you as much as they can and if they can't they will send you to somebody who can help you immediately.
Date: August 28, 2018 Age: 20 to 29 Gender: Female Marital Status: Married
Premium
I have looked into other companies for the same coverage as what I currently have, and have found that my current coverage is absolutely the best. Because my family has been with the same insurance company for longer than I have been alive, I am getting the best coverage possible for the cheapest price available.
Date: August 27, 2018 Age: 20 to 29 Gender: Female Marital Status: Married
Website/App
The website is very user-friendly. Once you log-on it is easy to make a payment, make a claim, search into other coverage options, etc. It also gives me direct contact information to my insurance agent.
Date: August 07, 2018 Age: 50 to 59 Gender: Female Marital Status: Married
Policy Offerings
Damage to any type of thing around my house, for example, the shed that we have in the backyard as well as the patio.
Date: August 06, 2018 Age: 30 to 39 Gender: Female Marital Status: Married
Customer Service
I like the fact that I know my insurance agent on a first name basis. She makes me feel as though I am an individual and not just a policy number. My agent knows about myself and my family and makes sure I get the best policy and cheapest policy with the best options I have.
Date: August 04, 2018 Age: 30 to 39 Gender: Female Marital Status: Unmarried
Website/App
I think the loading screens are slow if they fix that aspect then I would be more inclined to use the application on a daily basis or whenever I need it.
Date: May 25, 2018 Age: 50 to 59 Gender: Male Marital Status: Married
Policy Offerings
If my house is destroyed in a fire, tornado, or other natural disaster everything inside will be recovered (monetarily). Also, if I were in an accident, my mortgage payments would still be paid.
Date: December 22, 2017 Age: 20 to 29 Gender: Male Marital Status: Unmarried
Communication
I like the fact that they all know what they are talking about. It is nice to have someone who knows what you need when you need it. It makes me feel secure.
Liberty Mutual Home Insurance Reviews
Date: August 26, 2018 Age: 30 to 39 Gender: Male Marital Status: Married
Website/App
I really like that the website allows me to create and edit my plans whenever I want and the response time from customer service is great.
Date: August 26, 2018 Age: 20 to 29 Gender: Male Marital Status: Unmarried
Customer Service
The customer service has always been good for me. I have a regional contact that I always go to if I have a question or issue.
Date: August 23, 2018 Age: 50 to 59 Gender: Female Marital Status: Unmarried
Policy Offerings
My policy covers my structure as well as other structures on property. It also covers damage and loss as well as medical insurance for occupants and visitors.
Date: August 07, 2018 Age: 20 to 29 Gender: Female Marital Status: Unmarried
Communication
The interaction and communication is what I would expect. I get email notifications when my bill is due as well as to any upcoming changes or due dates.
Date: January 13, 2018 Age: 30 to 39 Gender: Female Marital Status: Unmarried
Premium
I would say that the premium compared to other companies is very competitive. Liberty Mutual seems to have a lower rate but that could be due to my discounts and bundling.
Allstate Home Insurance Reviews
Date: October 01, 2018 Age: 40 to 49 Gender: Female Marital Status: Married
Website/App
The company website is too good and very easy to access all the features of the company
Date: August 24, 2018 Age: 40 to 49 Gender: Male Marital Status: Unmarried
Communication
the interaction was good for the company side they are also very knowledgeable.
Date: May 29, 2018 Age: 30 to 39 Gender: Male Marital Status: Married
Premium
The premium was too high when I compare with other insurance companies
Date: May 27, 2018 Age: 50 to 59 Gender: Male Marital Status: Unmarried
Customer Service
The quality of customer service was good and the people are very patent in solving our issues or doubts
Mercury Home Insurance Reviews
Date: July 03, 2019 Age: Above 60 Gender: Male Marital Status: Married
Policy Offerings
they helped me on things that I needed when I was in need of it and they came through for me.
AAA Home Insurance Reviews
Date: October 18, 2018 Age: 30 to 39 Gender: Male Marital Status: Married
Website/App
I can't dislike it as I don't use it. Never feel the need to do so. Insurance is not the most exciting thing in the world so the less I have to think about it the better
Safeco Insurance Home Insurance Reviews
Date: February 04, 2019 Age: 30 to 39 Gender: Female Marital Status: Unmarried
Customer Service
I have not had to interact directly with Safeco insurance for my home insurance, or make any claims. My agent has always been communicative about when it is time to renew, and I haven't had any problems with the agency or with Safeco.
GEICO Home Insurance Reviews
Date: November 28, 2018 Age: 30 to 39 Gender: Female Marital Status: Unmarried
Customer Service
Not because he isn't awesome, but because there's always room for improvement. He helped me budle and ditch my other insurance company. Not only am I saving money every month now to what I was paying, but I get more coverage as well. I've only had to make one claim, hail damaged roof and car. Not only did they cover everything to have it fixed, but it's better than it was with new decking and hail resistant 30 year guaranteed shingles. For the car, they came out to my driveway and did it. I was amazed, and then even more amazed when my premiums didn't raise. Thank you Geico!
Farmer's Insurance Home Insurance Reviews
Date: January 08, 2019 Age: 30 to 39 Gender: Male Marital Status: Married
Premium
I don't what, if any, coverage I am lacking outside of Act of God but most insurance companies dont offer that.