Check out the most popular Home Insurance agencies & companies in Carlsbad, CA & compare the best quotes from them.

Get Quotes From The Best & Compare

Cost of Homeowners Insurance in Carlsbad, CA

Carlsbad, CA homeowners are paying an average of $1345.27 in home insurance each year. Factors that affect the cost of a policy include home value,coverage type, deductible and age or the material used to build your house.There are multiple ways to reduce the homeowners insurance cost, and the easiest way is to choose a higher deductible. Below is the summary of average home insurance costs available to Carlsbad homeowners based on various factors.

Home Insurance Cost Based on Deductibles 

Cost_of_Homeowners_Insurance_in_Carlsbad_CA

The deductible is the amount of money that an homeowner pays out of pocket before their insurance policy begins to pay any claims. Choosing a higher deductible can help lower your monthly premiums, which in turn makes it more affordable as well. For example, homeowners in Carlsbad can get $965.90 worth of coverage for as little as $2500 with a considerable discount available by opting for higher deductibles.Homeowners receive insurance for $1027.52 and $1131.91 respectively, on deductibles $2000 and $1500.

Due to the risk of damage from fires or other combustion reactions, a fire-resistant house, for example, will cut your average annual premium to $1197.29 in Carlsbad. Likewise, Carlsbad homes built with masonry and brick may expect to pay an average price for homeowners' insurance coverage of $1278.01. Whereas homes built with superior and hail resistant roofs pay a higher amount $1210.74 and $1304.91 respectively.

The age of the home is a significant factor in determining the cost of home insurance. Older homes are more likely to have structural problems, which raises the risk and thus the rates. Homes in Carlsbad that are 40 or 50 years old pay $1380.25 and $1396.39, respectively.On the other hand newly built homes are less prone to damage and home insurance companies offer substantial discounts to newly constructed homes. For instance newly constructed homes in Carlsbad can avail lower insurance of $1076.22.

Homes with distinctive features are more likely to demand a higher premium than the state average. For instance, homeowners in Carlsbad pay a cost of $1372.18 to install a swimming pool. In addition, homeowners who may have a swimming pool with a diving pool or a slide can get insurance for $1412.53 and $1425.99 respectively. Apart from these factors, Homeowners with high credit scores are likely to get lower rates from the Insurance companies.Credit score is a rating calculated and used by insurance providers that represents the chances of an individual filing a claim while under coverage.

Top Home Insurance Companies in Carlsbad, CA

Home Insurance Company A.M. Best Financial Strength Rating Homeowners Insurance Market share
GEICO A++ 13.8%
Liberty Mutual A 6.24%
Erie A+ 5.4%
Nationwide A+ 4.15%
Travelers A++ 3.18%

Top Erie Home Insurance Agents in Carlsbad, CA

Homeowners Insurance Agents Agent Address Contact Details
David Pendleton & Associates 29122 Rancho Viejo Rd Ste 212
92675
(949) 487-2900
Northshore Insurance Agency Llc 1 PARK PLZ STE 400
92614
(949) 553-9800
Heyward Group Llc 30 CENTAURUS WAY
www.heywardgroupllc.com 92679
949-589-5660
Brogan Insurance 12600 Stowe Dr Ste 12
92064-6866
858-486-1588
Consumers Insurance Agency 4148 Voltaire Street
www.consumers-insurance.com 92107-1815
619-223-1629
Headwaters Insurance 8170 La Mesa Blvd
91942
(619) 442-0505
Howard Insurance Agency Inc 2121 PALOMAR AIRPORT RD STE 150
92011
760-893-8055
Roy H Jones & Associates Insurance Inc. 18a Journey Ste 110
92656
(949) 587-0144
J Barnes & Company 21791 LAKE FOREST #206
92630
714-695-9181
Lakeview Insurance Agency Ltd 629 E FLORIDA AVE
www.lakeviewins.com 92543
951-652-0248
Email:lakeviewins@lakeviewins.com

Top Nationwide Home Insurance Agents in Carlsbad, CA

Homeowners Insurance Agents Agent Address Contact Details
Dennis L Montgomery 26010 McCall Blvd Ste H
92586
(951) 301-3562
Deamond Insurance Agency Inc. 26010 McCall Blvd Ste H
92586
(951) 301-3562
Ruff & Assoc Inc 196 Technology Dr Ste B
92618
(949) 753-9555
Bruce Sargent Insurance Agency Inc 27772 Vista Del Lago Ste 20
92692-1173
949-855-1310
Edward J Tucker Jr 4550 Kearny Villa Rd Ste 101
92123
(858) 569-0500
Rolland & Associates 2627 W Florida Ave Ste 203
92545
(951) 925-6458
Gregg R Glogowskilutcf 4122 Bonita Rd
91902
(619) 475-1821
J C Hicks Jr 100 SPECTRUM CENTER DR STE 400
92618
949-600-7995
David Hall Ins Agency Inc 9920 Mira Mesa Blvd
92131-3925
858-271-6400
Barhorst Ins Group Ltd 21098 Bake Pkwy Ste 104
92630-2163
949-770-8000

Top GEICO Home Insurance Agents in Carlsbad, CA

Homeowners Insurance Agents Agent Address Contact Details
Rufus Johnson 23651 Birtcher Dr
92630
(949) 855-0112
Email:rujohnson@geico.com
Roxanne Jackson 26944 Camino De Estrella Ste D
92624
(866) 436-8640
Email:roxjackson@geico.com

Top Liberty Mutual Home Insurance Agents in Carlsbad, CA

Homeowners Insurance Agents Agent Address Contact Details
David Kim 1672 S Mission Road
92028-4116
760-451-9044
Tony Pirozzi 4995 Murphy Canyon Rd, Ste 202 San\u00a0Diego
92123
Eric Burleson 4255 Campus Dr Ste A270
92612
(949) 509-2888
Ariane Rojas 13 Corporate Plaza Dr Ste 102
92660-7919
949-759-1259
Vincent Gemma Lutcf 12 Truman
92620
Patsy Damelio 22471 ASPAN ST STE 200
92630
(714) 527-4187
Andrew Quirk 566 Paraiso Ave Ste B
91977-6039
619-434-3847
Chris Keaton Mpa 913 W Menlo Ave
92543-1738
951-652-2196
Alyssa J. Lunghi 338 W 3rd Ave
92025-4111
760-745-1161
Robin M Littere 24910 Las Brisas Rd Ste 101
92562
(951) 698-4818

Top Travelers Home Insurance Agents in Carlsbad, CA

Homeowners Insurance Agents Agent Address Contact Details
Goodhue Nolte Insurance Agency Inc 355 3Rd Ave Ste B
www.goodhuenolte.com 91910
(619) 425-5370
Northbridge Insurance Agency Inc 25283 CABOT RD STE 224
www.northbridgeins.com 92653
(949) 580-1969
Email:cwilson@northbridgeins.com
Berry Ins Group Inc 371 RR Cyn Rd Ste D
www.berryinsgrp.com 92532-4456
951-245-6400
Arsham Ben Babajanian 365 Broadway Ste 202
92021-5461
619-442-9419
High Desert Insurance 16885 W BERNARDO DR STE 245
92127
858-432-4099
Email:hashinsurance@earthlink.net
Insurance Brokers Of Mn 2333 CAMINO DEL RIO SOUTH STE 200
www.insurancebrokersmn.com 92108
619-297-5888
Adl Tag And Notary Service Inc 32235 Mission Trl Ste B11
adltagandnotary.com 92530-4527
951-674-0735
Rumer Financial Group Inc 7700 Irvine Center Dr Ste 800
92618
(888) 995-9098
Boardman-Hamilton Company 1527 W Lewis St
www.boardman-hamilton.com 92103-1220
619-296-6505
Lalas Insurance Agency 506 GRAHAM AVE W STE 105
92330
951-674-2375
Email:Lalasins@aol.com

Carlsbad, CA Homeowners Complaint Ratio By Companies

Home Insurance Company Justified Complaint Ratio 2018 Number of Justified Complaints 2018 Justified Complaint Ratio 2017 Number of Justified Complaints 2017
Allstate 1.7 11 2.4 16
Nationwide 3.2 2 1.6 1
State Farm 3.9 85 3.9 86
Liberty Mutual 11.5 31 5.6 14

Homeowners Insurance Comparison for the Cheapest Premiums in Carlsbad, CA

GEICOErieTravelers
Median Home Value ($) 732,240672,240722,240
Construction year 199320122003
Home Coverage ($) $500000-$600000$500000-$600000$350000-$400000
Total Premium ($) $1513$1262$861

Carlsbad, CA Multi Policy Discounts by Home Insurance Companies

Home Insurance Company Multi Policy Discount (%)
Erie upto 19%
Nationwide upto 10%
GEICO upto 15%
Liberty Mutual upto 19%
Travelers upto 5%