Fillmore, CA Home Insurance Quotes!

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Are you trying to find affordable homeowners insurance in Fillmore, CA? Although cost analysis and savings is a common factor for Fillmore homeowners when it comes to looking for a new homeowners insurance policy, we also strive to help you find dependable coverage for your home and family. It's important to make sure your home insurance policy provides the protection you need for home related damages due to loss, weather, theft or fires. An enhanced coverage doesn't always have to be expensive, that is why we like to work with you to apply all the following home insurance discounts when comparing companies and the cost of each policy. You may realize that there are additional discounts available other than the common smoke detectors, burglar alarm (security), and deadbolts. All of these possible discount items can help you save up to 40% or more on your homeowners insurance policy. Call 855-976-2656 or get quotes online and let our local Fillmore home insurance agent help you today!

Fillmore Average Homeowners Insurance Premiums

Average home insurance rates for homeowners living in the Fillmore area pay around $911 per year. Smaller homes in the area with less risk and replacement cost coverage pay a little less than average, usually around $661 /yr. with discounts applied. For larger homes in this area over 2000 sq. ft in Fillmore, you may see higher rates in the $1211 range due to much higher replacement cost and upgraded coverage options.

Interesting Facts About the City of Fillmore, California

There are 15,002 people that happily call the wonderful city of Fillmore home. There are 4,840 housing units in town, making the average owner occupied household size roughly 4.

The average household income in Fillmore is an extremely respectable $76,334. One more great fact about Fillmore is the average cost of a house, which is $437,200 so housing is very affordable.

Review Coverage Types in Fillmore

Insurance for Fillmore homeowners comes in a variety of types. The following types are just a few of the specific home insurance types that are available:

  • HO-3: The HO-3 homeowners insurance policy is the most common policy being sold and most likely the one you already have or will be getting when you purchase a home. It will cover damage from everything except the perils that are excluded in the policy. Flood and earthquake damage are always excluded on a HO-3 policy.
  • HO-8: If you are purchasing an older home this is the policy for you. It is specially designed for older home and pays out on an actual cash value which means depreciation is subtracted from the replacement costs. Because the cost of original building materials, and fixing issues such as ancient wiring can be extremely expensive, a standard policy may not be available for older homes.
  • H0-4: This is more commonly referred to as renter's insurance and offers protection for all of the personal property that you keep in your apartment. A renter's policy also offers liability insurance, which will cover the medical costs if a person is injured in your apartment. Renters insurance is extremely affordable and if you live in an apartment you should absolutely have this coverage.

Fillmore, CA Home Insurance Average Premiums

Local Fillmore, CA home insurance quotes comparison

$661 /yr.

Shows Fillmore's lowest average rates with discounts applied.

For the city of Fillmore, homeowners insurance rates may vary on deductible, coverage amount and property details. Below is a list of the averages based on the cost of an annual home insurance premium.

Coverage Amount:Annual Premium
1800 sq. ft. or below
(discounts applied)		$661 /yr.
Average Coverage:$911 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1211 /yr.

What is the average home insurance cost for a home in Fillmore, CA?

  • • The average homeowners insurance premium paid annually for a home in Fillmore is around $911 per year.

What does it cost on average per month for home insurance in Fillmore, CA?

  • • Homeowners in Fillmore pay an average cost per month around $76.00 for insurance coverage.

Fillmore, CA Coastal Wind, Hail & Flood Information

Fillmore is located in a coastal county which greatly increases the risk of hurricanes and windstorms. Our quoting process will include wind and hail coverage options to give you the best protection you need against high winds and storm damage.

Flood Zone Notice: The beautiful coastal city of Fillmore is know for it's beautiful beaches and waterways. Because Ventura County (FIPS: 6111) has a shoreline and is in a coastal area it is important to purchase flood insurance. The risk is very high in this area and we will work with you to provide the best flood insurance coverage you need for your home in Fillmore, CA.

Fillmore, CA - 2023 Housing Information

Month Current Home Value (2023) Last Year Home Value (2022)
January $627,096 $610,662
February $623,299 $620,819
March $621,738 $634,206
April $621,750 $646,153

Homeowners insurance will help cover the cost to repair or replace your Fillmore home if it is damaged or destroyed by a covered peril, up to your coverage limits. A homeowners policy is made up of a few different coverages. Here are the most common coverages:

  • Dwelling: This coverage will pay to repair or replace the structure of your home if it is damaged or destroyed. Review and Calculate Replacement Cost Coverage in Fillmore
  • Liability: This coverage will help cover medical and legal bills if someone is injured in your home, slipping on an icy sidewalk for example. It also offers protection if you damage another person’s property, your child hitting a baseball through a neighbor’s window for example.
  • Contents: This covers the cost to replace your personal possessions that are destroyed by a covered peril. Furniture, electronics, clothing and household goods are excellent examples. Contents coverage is often capped at 50% to 70% of your dwelling coverage.
  • Other Structures: This coverage protects other structures on your property such as detached garages, outbuildings, barns, and sheds.
  • Loss of use: This covers everyday costs that you incur if you cannot live in your home while it is being repaired due to a claim. It will pay hotel and restaurant bills and even the cost of dry cleaning.
Enter your Zip Code:    

Get up to 12 competitive Fillmore, CA homeowners insurance rates all in one place!

Enter your Zip Code:    
Easily compare up to 12 competitive Fillmore, CA rates all in one place!

Saving Money Tips on Fillmore Home Insurance

A great way to save money on Fillmore homeowners insurance is to make sure you are getting all the discounts you are qualified to receive. Here are just a few of the most common discount’s insurers offer:

  • Bundling: If you purchase your home and auto (or any other insurance coverage) from the same insurer, you should get a bundling discount. Expect to save 20%-25%.
  • Secure your home: Adding a monitored security system, water leak sensors, deadbolts, and smoke detectors should result in a discount.
  • Impact resistant roof: If you are replacing your roof, consider impact resistant roofing materials which help prevent hail and impact damage as well as resulting in a significant discount.
  • Stay claim free: If you have been claim free for a number of years (five is a common requirement) your insurer should offer a claim free discount.

Are you shopping for the best rate near or wihin the Fillmore area? Check out what homeowners are paying on average for California homeowners insurance.

Elevation Review for Coastal Wind or Flooding Risk

Elevation Details Homeowners Tips
1553 ft. This is the average home elevation in Fillmore, CA

» Elevation is crucial to a homeowners insurance policy because it determines the risk of your home being in a flood zone which is particularly important in a coastal state such as Fillmore, California.

A standard homeowners policy does not cover flood damage. If you live in a flood prone area, you will need to purchase a separate flood to fully protect your home.

Call Now for Flood Insurance Quotes: 888-620-1954!

Flood insurance can be purchased via the National Flood Insurance Program (NFIP) or in the private market. NFIP policies come with coverage caps and other restrictions so you may need to supplement your flood insurance coverage with a private market policy.

It's important to remember that flooding occurs in low and moderate risk areas as well. According to FEMA data, almost 25% of all flood claims come from low to moderate-risk areas.

To get online quotes on your home and compare rates on home insurance premiums in Fillmore, enter your zip code above and easily complete our online quoting application. Remember, it's important to speak with us about additional home insurance discounts so you can get the best rate for your home in Ventura County.

California Homeowners Insurance News & Information

  • Why Are Homeowners Insurance Premiums Rising in 2024? Posted on Tuesday 9th July, 2024

    As insurance rates rise at unprecedented rates, homeowners are cutting back on groceries, travel, dining out, and even medication to afford the cost of their insurance premiums. In even more shocking news, 1 in 10 homeowners are even consider moving to an area with lower premiums, according to a recent survey by Claimguide. According to […]

  • Largest Insurer in California – Travelers Announces Home Insurance Rates Going Up 15% Posted on Monday 20th May, 2024

    Travelers Insurance, which is one of the largest insurers in California, recently announced that they will be raising premiums by an average of 15% in the Golden State. This is just the latest rate increase or policy limitation by major insurance companies who blame the increases on spreading wildfire risks, inflation, and the cost of […]

  • 2024 Average Homeowners Insurance Rate at $2,777 per year  Posted on Tuesday 20th February, 2024

    A recent report by Insurance.com, found that the average homeowners insurance rate in the U.S. came in at $2,777 per year which breaks down to $231 a month. The average was based on coverage levels of $300,000 in dwelling and liability and a $1,000 deductible. When Insurance.com ran the numbers, Oklahoma was the most expensive […]

  • What exactly is a FAIR Plan? Posted on Tuesday 2nd January, 2024

    If you live in an area where severe weather is common, or wildfires pop up every summer you may have trouble finding affordable home insurance coverage. If homes in your area are repeatedly damaged or destroyed by a covered peril, insurers may pull out of the entire area, refusing to write policies in your neighborhood. […]

  • 2024 Homeowners Insurance Outlook Receives Negative Rating Posted on Tuesday 21st November, 2023

    The insurance news for 2024 is certainly not great. Experts expect that extreme weather and increasing costs will push up insurance costs and make insurance companies more selective when deciding where they will write policies.  Recently, credit rating agency AM Best downgraded the entire home insurance industry from stable to negative. According to Richard Attanasio, […]

Fillmore, CA Dwelling Coverage Estimate

It is important to calculate your dwelling coverage for your home in Fillmore so you know what type of homeowners insurance coverage you need to cover your replacement cost. It is recommended to have enough dwelling coverage to rebuild your home if it was destroyed by a covered peril.

Please remember that replacement cost coverage does not include the cost of the land, only the price to rebuild your home, which is why we like to help customers by answering a few questions that you may have.

What is the average replacement cost coverage in Fillmore, CA?

- The average square footage in Fillmore is around 1,349 Sq. Ft. which would cost you around $437,200 to replace the home if you base the home on the price to build per square foot of $324.

Minimum Replacement Cost Total: $437,200

Location: Fillmore, California (Ventura County)

Average Building Cost Per Square Foot in Fillmore: $324 (low end)

Average Square Footage in Fillmore: 1,349 Sq. Ft.

Home Improvement StatusPrice per Sq. Ft.Dwelling Coverage
None or Very Minor Improvements$324$437,200
Some Additional Upgrades$405$546,500
Major Home Updates or Advancements$486$655,800

The dwelling coverage is calculated by the average cost per square foot ($324) in Fillmore, California times your heated square footage. Which would equal the cost to rebuild your home minus the cost of the property or land. Some homes will have a higher replacement cost due to home improvements like updated kitchens and bathrooms. Other upgrades may include: granite countertops, hardwood floors and stainless steel appliances. The national square foot average to build a brand new home is around 2500 square feet. So if you are looking to build, and your square footage of your new home is 2500, you are looking at a dwelling coverage premium of around $1,012,500 (Media price to build of $405 x 2500 sq. ft.) to cover the cost to rebuild your new home.

What is the difference between actual cash value and replacement cost value?

Homeowners insurance is available in both actual cash value (ACV) and replacement cost value (RCV). Knowing the difference is important:

Actual cash value: When valuing your personal possessions, an actual cash value policy will take depreciation into account. This means that your 10-year-old TV will be basically worthless according to your insurance company. While an ACV policy tends to be cheaper, if you have to make a claim you may be disappointed in your claim payout.

Replacement cost value: A RCV policy will replace your possessions with brand new items of similar quality regardless of how old they were at the time they were destroyed. While RCV policies are slightly more expensive, they are well worth the cost if you have to make a claim.