How Can I Make My Rancho Santa Margarita, CA Home Insurance Cheaper
Gavop shows you how to buy homeowners insurance in Rancho Santa Margarita, CA by estimating coverage, choosing the right deductible, contacting the best agents, understanding claim requirements, comparing cheap rates, using discount options and reading reviews.
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Select the Suitable Coverage Value for your Rancho Santa Margarita, CA Home | Back to Top
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $131,500 | $120,000 | $125,000-$150,000 |
| 2 Bedroom | $229,500 | $190,000 | $250,000-$300,000 |
| 3 Bedroom | $516,000 | $420,000 | $500,000-$600,000 |
| 4 Bedroom | $554,500 | $500,000 | $600,000-$700,000 |
| 5 Bedroom | $889,000 | $740,000 | $900,000-$1,000,000 |
Estimate your Savings with Home Insurance Discounts in Rancho Santa Margarita, CA | Back to Top
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$232 | $1,133 |
| Superior Protection Discount | -$137 | $1,229 |
| Fire & Security Discount | -$150 | $1,215 |
| Hail Resistant Roof Discount | -$27 | $1,338 |
| Newly Constructed Home Discount | -$396 | $970 |
Choose the Right Deductible for your Rancho Santa Margarita, 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 |
| Orange County | $1,500 | $1,351 | $2,851 | $982 | $2,482 | $369 |
| Rancho Santa Margarita, CA | $1,000 | $1,349 | $2,349 | $980 | $1,980 | $369 |
| Laguna Beach, CA | $500 | $931 | $1,431 | $677 | $1,177 | $255 |
| Meadowbrook, CA | $1,000 | $622 | $1,622 | $452 | $1,452 | $170 |
| Yorba Linda, CA | $300 | $1,439 | $1,739 | $1,046 | $1,346 | $393 |
| French Valley, CA | $2,000 | $838 | $2,838 | $609 | $2,609 | $229 |
| Artesia, CA | $100 | $1,245 | $1,345 | $905 | $1,005 | $340 |
| Norwalk, CA | $1,000 | $950 | $1,950 | $691 | $1,691 | $260 |
| Carlsbad, CA | $200 | $1,329 | $1,529 | $966 | $1,166 | $363 |
| East Los Angeles, CA | $1,500 | $910 | $2,410 | $661 | $2,161 | $249 |
| Florence-Graham, CA | $500 | $669 | $1,169 | $486 | $986 | $183 |
| Rancho Santa Fe, CA | $1,000 | $815 | $1,815 | $592 | $1,592 | $223 |
Identify Top Home Insurance Agents near Rancho Santa Margarita, CA | Back to Top
| Home Insurance Company Rancho Santa Margarita, CA | Homeowners Insurance Agency Rancho Santa Margarita, CA | Address | Popularity Score | Distance from Rancho Santa Margarita (miles) |
|---|---|---|---|---|
| State Farm | Laura Hahamian | 23832 Rockfield Blvd Ste 165, Lake Forest, CA, 92630-2862 | 6.7 | |
| Farmers | Fariba Boghraty | 9891 Irvine Center Dr Ste 160, Irvine, CA, 92618 | 7.6 | |
| Liberty Mutual Independent | Wigmore Insurance Agency Inc. | 2970 Harbor Blvd Ste 215, Costa Mesa, CA, 92626 | 18.7 | |
| State Farm | Joe Caviezel | 14408 Whittier Blvd Ste A2, Whittier, CA, 90605-2175 | 32.8 | |
| State Farm | Jere Murray | 300 Tejon Place, Palos Verdes Est, CA, 90274-0907 | 47.0 | |
| Farmers | Michael Berg | 23651 Birtcher Dr, Lake Forest, CA, 92630 | 6.8 | |
| State Farm | Bob Lundstrom | 3620 Long Beach Blvd Ste A3, Long Beach, CA, 90807-6015 | 36.4 | |
| State Farm | George Montgomery | 1370 Brea Blvd Ste 150, Fullerton, CA, 92835-4172 | 25.5 | |
| State Farm | Jerry Lefevers | 23361 El Toro Road, Lake Forest, CA, 92630-4810 | 5.7 | |
| State Farm | Bill Petersen | 23101 Moulton Pkwy Ste 103, Laguna Hills, CA, 92653-1234 | 7.6 |
Compare Rates for Rancho Santa Margarita, 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 |
| Orange County, CA | $620,500 | $1,368 | $1,010 | $1,860 | $850 |
| Rancho Santa Margarita, CA | $619,200 | $1,366 | $1,010 | $1,860 | $850 |
| Laguna Beach, CA | $1,570,700 | $943 | $700 | $1,280 | $580 |
| Meadowbrook, CA | $183,200 | $630 | $470 | $860 | $390 |
| Yorba Linda, CA | $792,700 | $1,457 | $1,080 | $1,980 | $900 |
| French Valley, CA | $377,900 | $848 | $630 | $1,150 | $520 |
| Artesia, CA | $437,200 | $1,260 | $930 | $1,710 | $780 |
| Norwalk, CA | $375,400 | $962 | $710 | $1,310 | $600 |
| Carlsbad, CA | $713,600 | $1,345 | $1,000 | $1,830 | $830 |
| East Los Angeles, CA | $349,200 | $921 | $680 | $1,250 | $570 |
| Florence-Graham, CA | $301,000 | $677 | $500 | $920 | $420 |
| Rancho Santa Fe, CA | $2,000,001 | $825 | $610 | $1,120 | $510 |
Research Home Insurance Companies Reviews in Rancho Santa Margarita, CA Before Buying | Back to Top
Share a review on your home insurance company
Allstate Home Insurance Reviews
Date: August 22, 2019 Age: 20 to 29 Gender: Female Marital Status: Unmarried
Premium
For this ,i didn't know about other policies but here,they ask you lot of questions , as we already suffering, they makes us suffer mentally by asking questions
Safeco Insurance Home Insurance Reviews
Date: July 06, 2019 Age: 50 to 59 Gender: Male Marital Status: Married
Policy Offerings
I have renters insurance, that is all I can really tell you. I didn't do A lot of shopping for this insurance. It is with the same company that is insuring my car.