Top 5 Home Insurance Companies in Carlsbad, CA
Check out the most popular Home Insurance agencies & companies in Carlsbad, CA & compare the best quotes from them.
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
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 |
| 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 |
| Homeowners Insurance Agents | Agent Address | Contact Details | ||
|---|---|---|---|---|
| Rufus Johnson | 23651 Birtcher Dr 92630 |
(949) 855-0112 Email:rujohnson@geico.com |
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| Roxanne Jackson | 26944 Camino De Estrella Ste D 92624 |
(866) 436-8640 Email:roxjackson@geico.com |
| 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 |
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| 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 |
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| 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 |
| 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 |
| 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
| GEICO | Erie | Travelers | |
| Median Home Value ($) | 732,240 | 672,240 | 722,240 |
| Construction year | 1993 | 2012 | 2003 |
| 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% |