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What is the Average Cost of Homeowners Insurance in Ramona, CA

Based on the research, the average cost of homeowners insurance in Ramona, CA, is $1227.6. Considering that, the cost of the insurance is set after scrutinizing certain factors. Few such factors are the home value, coverage type, deductible, age of the home, the material used to build your home etc. Therefore, it is necessary to understand the homeowners insurance rates set in Ramona, CA, to maintain the balance as per your needs.

Check out the cost of homeowners insurance in Ramona, CA and the coverages offered.

Home Insurance Coverage in Ramona, CA 

Home insurance coverage refers to the package offered by the insurance company which covers the damages or loss of the house in any unforeseen circumstances. Every home insurance policy has a liability limit which determines the amount of coverage an individual has to cover the damage in an unfortunate situation.

Refer to the chart below to understand the rates applicable for different coverages.

What_is_the_Average_Cost_of_Homeowners_Insurance_in_Ramona_CA

The average limit is generally $100,000, but the policyholder can also opt for a higher limit. Therefore, the higher the coverage, the higher the premium charged and higher the protection of the house covered.

Policyholders can take advantage of discounts to reduce the cost of homeowners insurance in Ramona, CA. One such way to reduce the cost is to maintain claim-free history. Homeowners who have a claims-free history with their home insurance company can receive discounts on their premiums. By providing a history of zero claims, homeowners have to pay a premium of $1068.012, whereas policyholders with one and two claims have to pay a premium of $1288.98 and $1387.188, respectively. So, the higher the number of claims, the higher the premium added to the insurance.

Other than that, when you are buying a homeowners insurance policy, several attributes of each company may be essential to consider, like the average annual premiums, accessible coverage options, claims management, and customer satisfaction. In Ramona, CA, few such homeowners insurance companies are Allstate, Erie, Nationwide, and Travelers. They also offer a Multi-Policy Discount of up to 19% which may differ from company to company.

Top Home Insurance Companies in Ramona, CA

Home Insurance Company A.M. Best Financial Strength Rating Homeowners Insurance Market share
Liberty Mutual A 6.24%
Allstate A+ 5.91%
Erie A+ 5.4%
Nationwide A+ 4.15%
Travelers A++ 3.18%

Top Nationwide Home Insurance Agents in Ramona, CA

Homeowners Insurance Agents Agent Address Contact Details
Royce Rosemond 16516 Bernardo Center Dr
92128
(858) 376-0333
Rolland & Associates 2627 W Florida Ave Ste 203
92545
(951) 925-6458
Charles Manne Insurance Agency Inc. 1635 S Rcho Sta Fe Rd Ste 206
92078-5158
619-829-6650
Gregg R Glogowskilutcf 4122 Bonita Rd
91902
(619) 475-1821
Charles Albert Sueing Jr 1635 Rosecrans St Ste B
92106-2278
619-694-4788
Catherine H. Hession 2654 Jamacha Rd Ste 103
92019-4327
619-741-5400
Spotts Insurance Group Inc 7777 Alvarado Rd #605 La\u00a0Mesa
91941
David Hall Ins Agency Inc 9920 Mira Mesa Blvd
92131-3925
858-271-6400
Don Hoke Inc 31034 Valley Center Rd Ste B
92082
(760) 749-6671
Chris Arnott Agency Inc 265 E St Ste B
91910-2930
619-420-9430

Top Erie Home Insurance Agents in Ramona, CA

Homeowners Insurance Agents Agent Address Contact Details
Howard F Sommers Insurance Agency Inc. 445 MARINE VIEW AVE STE 200
92014
858-764-7446
Headwaters Insurance 8170 La Mesa Blvd
91942
(619) 442-0505
Higgins Insurance Inc. 8246 UNIVERSITY AVE
91942
619-589-0303
Patron Inc. 4564 30TH ST
92116
(619) 283-2035
Consumers Insurance Agency 4148 Voltaire Street
www.consumers-insurance.com 92107-1815
619-223-1629
Classic Insurance Services Llc 2156 Alpine Blvd Frnt
www.classicinsuranceservices.com 91901-2393
619-445-2717
North Shore Insurance Associates Llc 41923 2ND ST STE 202
92590
(951) 694-5200
Lakeview Insurance Agency Ltd 629 E FLORIDA AVE
www.lakeviewins.com 92543
951-652-0248
Email:lakeviewins@lakeviewins.com
High & Rubish Insurance Agency 4700 SPRING ST 4TH FL
www.highandrubish.com 91942
619-464-6851
Patron Inc. 5130 BONITA RD STE A
91902
(619) 475-5200

Top Travelers Home Insurance Agents in Ramona, CA

Homeowners Insurance Agents Agent Address Contact Details
Boardman-Hamilton Company 1527 W Lewis St
www.boardman-hamilton.com 92103-1220
619-296-6505
Comfort Zone Ins Agency Of Ronkonkoma 9225 Dowdy Dr Ste 211
92126-6367
858-271-8892
Sooner State Insurance 4700 Spring St 4Th Floor La\u00a0Mesa
91942
(619) 568-6888
Accardo Insurance Services Inc 2333 Cam Del Rio S Ste 150
www.accardoinsurance.com 92108-3617
619-293-7211
Jaguar Insurance 2924 EMERSON ST 220
92106
619-225-6900
Email:jaguarinsurance@yahoo.com
Banks Ins Agency Inc 8690 Aero Dr Ste 117
92123-1734
858-514-0385
Email:info@banksins.com
Cales Insurance Inc 9939 Hibert St Ste 203
92131-1031
858-271-6300
Arsham Ben Babajanian 365 Broadway Ste 202
92021-5461
619-442-9419
Howard Hanna Insurance Services Inc 1011 CAMINO DEL MAR #256
92014
858-350-1253
Dean Morris Insurance Service Inc 7858 Ivanhoe Ave
92037
(858) 454-7808

Top Liberty Mutual Home Insurance Agents in Ramona, CA

Homeowners Insurance Agents Agent Address Contact Details
Alyssa J. Lunghi 338 W 3rd Ave
92025-4111
760-745-1161
Evangeline Yu 8333 Clairemont Mesa Blvd Ste 110
92111
(858) 278-4880
Robin M Littere 24910 Las Brisas Rd Ste 101
92562
(951) 698-4818
Adam E. Ruffner 574 E Mission Rd Ste B
92069-1832
760-744-5203
Tony Pirozzi 4995 Murphy Canyon Rd, Ste 202 San\u00a0Diego
92123
Andrew Quirk 566 Paraiso Ave Ste B
91977-6039
619-434-3847
Carina Lamb 5973 Avd Encinas Ste 200
92008-4477
760-931-5393
Alfred J. Ricca 30111 Technology Dr Ste 140
92563-2656
951-698-6666
David Kim 1672 S Mission Road
92028-4116
760-451-9044

Top Allstate Home Insurance Agents in Ramona, CA

Homeowners Insurance Agents Agent Address Contact Details
Brent Ordway 5106 Federal Blvd Ste 105
92105-5454
619-266-9570
North Star Ins Svcs 10981 SAN DIEGO MISSION RD STE 220
92108
(619) 401-1800
A&M Agency 9560 Cuyamaca St Ste 104
92071-2689
619-449-7707
Classic Insurance Agency 39840 Los Alamos Rd Ste D10
92562-5829
951-698-4860
Stoebe Insurance Agency 750 B Street, Suite 2400 San\u00a0Diego
92101
Cheyenne Ins Agency 9888 Carmel Mountain Rd Ste A
92129-2807
858-484-4141
Dr. Manuel (Manny) Garcia 6690 Mission Gorge Rd Ste G
92120
(619) 228-8138
Hali Eck 947 D St
92065
(760) 789-5200
Donna Clarke 2447 S Centre City Pkwy
92025
(760) 741-0971
Brian Campbell 8110 Lj Shores Dr
92037-3100
858-459-4259

Ramona, 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 Ramona, CA

TravelersNationwideAllstate
Median Home Value ($) 473,920403,920403,920
Construction year 198420011990
Home Coverage ($) $500000-$600000$400000-$500000$500000-$600000
Total Premium ($) $1072$894$1196

Ramona, CA Multi Policy Discounts by Home Insurance Companies

Home Insurance Company Multi Policy Discount (%)
Nationwide upto 7%
Erie upto 19%
Travelers upto 10%
Liberty Mutual upto 15%
Allstate upto 16%