Top 5 Home Insurance Companies in Ramona, CA
Check out the most popular Home Insurance agencies & companies in Ramona, CA & compare the best quotes from them.
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.
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 |
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| 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 |
| 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 |
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| 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 |
| 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 |
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| Banks Ins Agency Inc | 8690 Aero Dr Ste 117 92123-1734 |
858-514-0385 Email:info@banksins.com |
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| 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 |
| 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 |
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| 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 |
| 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 |
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| 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 |
| 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
| Travelers | Nationwide | Allstate | |
| Median Home Value ($) | 473,920 | 403,920 | 403,920 |
| Construction year | 1984 | 2001 | 1990 |
| 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% |