How Can I Make My El Cajon, CA Home Insurance Cheaper
Gavop's guide to buying homeowners insurance in El Cajon, 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.
Compare Quotes from Top Providers and Save now!
Select the Suitable Coverage Value for your El Cajon, CA Home | Back to Top
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $94,500 | $80,000 | $100,000-$125,000 |
| 2 Bedroom | $126,500 | $110,000 | $100,000-$125,000 |
| 3 Bedroom | $299,000 | $250,000 | $250,000-$300,000 |
| 4 Bedroom | $371,000 | $320,000 | $350,000-$400,000 |
| 5 Bedroom | $321,000 | $300,000 | $350,000-$400,000 |
Estimate your Savings with Home Insurance Discounts in El Cajon, CA | Back to Top
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$154 | $875 |
| Superior Protection Discount | -$93 | $937 |
| Fire & Security Discount | -$82 | $947 |
| Hail Resistant Roof Discount | -$21 | $1,009 |
| Newly Constructed Home Discount | -$278 | $752 |
Choose your El Cajon, CA Home Insurance Coverage for your Specific Claim Requirement | Back to Top
| Claim Type | Average Claim Cost |
|---|---|
| General Claims | |
| Water Damage | $5,733 |
| Physical Damage | $2,368 |
| Hail Damage | $4,524 |
| Wind Damage | $6,560 |
| Expensive Claims | |
| Fire | $43,336 |
| Smoke | $17,556 |
Identify Top Home Insurance Agents near El Cajon, CA | Back to Top
| Home Insurance Company El Cajon, CA | Homeowners Insurance Agency El Cajon, CA | Address | Popularity Score | Distance from El Cajon (miles) |
|---|---|---|---|---|
| Liberty Mutual Independent | Ives Insurance Services Inc | 2850 Womble Rd Ste 103, San Diego, CA, 92106 | 15.6 | |
| Liberty Mutual Independent | Teague Insurance Agency Inc | 4700 Spring St 4th Fl, La Mesa, CA, 91942 | 4.3 | |
| State Farm | James Cassady | 9560 Cuyamaca St Ste 104, Santee, CA, 92071-2689 | 3.7 | |
| Travelers | Ken May Insurance Services | 2121 Palomar Airport Rd Ste 150, Carlsbad, CA, 92011 | 28.8 | |
| Liberty Mutual Independent | Rubin Insurance Agency Inc | 6363 Greenwich Drive Ste 120, San Diego, CA, 92122 | 13.6 | |
| Allstate | Damion Anglin (Usmc) Vet | 6690 Mission Gorge Rd Ste G, San Diego, CA, 92120 | 8.0 | |
| State Farm | Ray Bello | 5464 Baltimore Dr Ste C, La Mesa, CA, 91942-2074 | 4.4 | |
| State Farm | John Crawford | 7061 Clairemont Mesa Blvd, San Diego, CA, 92111 | 12.1 | |
| State Farm | Coleman Meshack | 6030 Santo Rd Ste H, San Diego, CA, 92124-1196 | 8.4 | |
| Allstate | Brenda Harries-Peterson | 4669 Murphy Canyon Rd Ste 101, San Diego, CA, 92123 | 9.4 |
Compare Rates for El Cajon, 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 |
| El Cajon, CA | $403,700 | $1,030 | $760 | $1,400 | $640 |
| Lemon Grove, CA | $367,700 | $820 | $610 | $1,110 | $500 |
| Descanso, CA | $347,300 | $916 | $680 | $1,250 | $570 |
| Potrero, CA | $74,700 | $452 | $330 | $610 | $280 |
| Lake San Marcos, CA | $564,000 | $1,657 | $1,230 | $2,250 | $1,020 |
| Oceanside-Escondido, CA | $468,300 | $1,432 | $1,060 | $1,950 | $890 |
| Julian, CA | $338,900 | $893 | $660 | $1,210 | $550 |
| Hidden Meadows, CA | $550,100 | $1,624 | $1,200 | $2,210 | $1,010 |
| Fallbrook, CA | $503,700 | $1,362 | $1,010 | $1,850 | $840 |
Research Home Insurance Companies Reviews in El Cajon, CA Before Buying | Back to Top
Share a review on your home insurance company
State Farm Home Insurance Reviews
Date: September 19, 2019 Age: 50 to 59 Gender: Female Marital Status: Unmarried
Policy Offerings
I do rate this question a 4. I am satisfied whith my home insurance but I have not really looked at other insurance carriers.
Date: September 14, 2019 Age: 30 to 39 Gender: Male Marital Status: Unmarried
Policy Offerings
Nothing much about the policies as I don't really associate with the works related to it but i'd say its a 5/5 for me.
Date: November 18, 2018 Age: 50 to 59 Gender: Female Marital Status: Unmarried
Premium
Their premium and deductible of my policies is a good deal coverage and fit my exact needs at the time i need it
Allstate Home Insurance Reviews
Date: March 28, 2019 Age: 20 to 29 Gender: Male Marital Status: Unmarried
Policy Offerings
The offerings were pretty price efficient and It seemed like a good deal overall. I don't know the details of all the providers I only looked into large companies.
Date: January 19, 2019 Age: 30 to 39 Gender: Male Marital Status: Unmarried
Customer Service
Fortunately I have never had to call the insurance company for any mishaps but the times I have dealt with them they were understanding and accommodating.
Mercury Home Insurance Reviews
Date: October 06, 2019 Age: 30 to 39 Gender: Female Marital Status: Married
Customer Service
they offer great prices and have been willing to fix any issues we encounter with ease.
Liberty Mutual Home Insurance Reviews
Date: May 24, 2019 Age: 30 to 39 Gender: Married Marital Status: Female
Premium
The premium and deductible are also within normal range, when compared to other companies. No complaints or issues with this.
Travelers Home Insurance Reviews
Date: October 24, 2018 Age: 30 to 39 Gender: Female Marital Status: Married
Customer Service
The customer service is always available quickly and they solve any issues and answer any questions quickly and accurately.
Safeco Insurance Home Insurance Reviews
Date: February 23, 2019 Age: 20 to 29 Gender: Male Marital Status: Unmarried
Customer Service
The insurance I have through SafeCo is the condo/ Home owner's insurance. Mandated by the bank I have not really interacted with them (thankfully) but when I got the insurance they were very helpful.
Lemonade Home Insurance Home Insurance Reviews
Date: December 27, 2018 Age: 20 to 29 Gender: Male Marital Status: Unmarried
Policy Offerings
I have only had them for two days, but so far, so good. My premium is extremely low for the same price as before with Progressive.
5/5 so far.