Gardena, CA Home Insurance Quotes!

Did you know finding affordable homeowners insurance rates in Gardena, CA just got easier? At GetHomeInsuranceQuotes.com, we provide superior service when it comes to finding cheaper rates with better coverage options and lower priced insurance packages. Our carriers are rated "A+" by A.M. Best and most of all they are brand names you can trust like Travelers, Safeco, Nationwide, Liberty Mutual, Progressive, and so many more.

It's time to start saving time and money by shopping your home and auto insurance policy with us. Lower rates are available for homeowners living in California so it's important to work with a Gardena insurance agent that knows the best carrier that's right for you and your family. Remember, discounts are available for Gardena homeowners that want to bundle their home and car insurance together to get a 22.5% discounts on average to help save you even more.

Interesting Facts About Gardena, CA

It's no secret that Gardena, CA has now reached over 58,829 residents in population size with 20558 homes within the city of Gardena. The average family household size in Gardena is reported to be around 14199. With population density increasing in Gardena, it's important to make sure your home has the proper coverage and protection you need for your family. Please visit our home insurance discounts page to find out how you can save additional money on your home insurance premium to help make it more affordable for you.

Demographic	Values
Population	58,829
Total Occupied Households	20558
Family Households (families)	14199
Average Owner Occupied Household Size	2.90
Average Family Size	3.39
Total Housing Units	21472

Average Homeowners Insurance Rates in Gardena

When reviewing your home insurance policy, Gardena homeowners are finding ways to save up to 40% or more when they shop and compare rates online. A common question that we get from homeowners based out of Gardena, usually have to do with a comparison request of what they are currently paying per year for homeowners insurance compared to other residents living in LOS ANGELES County. For starters, average rates in Gardena is around $885 per year for a $275,000 value home with a heated square footage around 1,375 square feet for replacement cost coverage. All discounts applied, smaller homes see rates as low as $635 per year. Larger homes in your area in the 2,000 square foot range that may cost around $400,000 may pay higher premiums in the range of $1,185 per year due to more dwelling coverage required simply because the home is bigger so it cost more to replace in value. Other discounts apply to help make rates cheaper, if you want to shop your home first and then let us shop your auto insurance, this will help decrease you premium because we offer a home and auto discount. These average home insurance rates reflect the cost of a standard home insurance policy which includes the coverage of your home, your contents, loss of use, medical payments and homeowner liability coverage. Does not include specific coverages like flood, earthquate, wind and hail.

If you are looking for the cheapest home insurance rate possible, then it may help to also review your current coverage options compared to the ones we can provide to you. Our Gardena, CA licensed agent will help you review the best in price and coverage. Perhaps your current policy is not covering all of your needs. It's important to find a home insurance company that can provide competitive rates with outstanding coverages. Meaning, a policy you can easily afford and depend on when something may go wrong. Our online quoting process helps you find the best of both worlds, and for free you can easily enjoy the benefits of our online home insurance shopping process. Start your Gardena, CA home insurance quotes request today!

Compare Homeowners Insurance Rates in Gardena, CA!

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

Servicing Gardena, California Home Insurance Quotes & Coverage

The carriers we offer for California homeowners have an "A+" A.M. Best rating and our Gardena agents have been working with these carries since 2007. Our insurance experience provides the best service when it comes to working with you so we can provide a coverage plan that works best for you. Our California customers value our service and depend on us to help them with all of their insurance needs, that also includes auto and life insurance as well. As a homeowner in California shopping for online rates and coverage options can be a confusing task, that's why working with our Gardena, CA agent will give you the outstanding service you need to find the coverage you can understand and afford. Our top rated carriers include Farmers, Safeco, First American, Travelers, Liberty Mutual, Chubb, Foremost, Pacific Select Property and many more. Because we know that homeowners insurance is not always about the lowest price, it's important to find affordable coverage that you know and trust. Take advantage of our online services and let us help you find the Gardena, CA insurance coverage that you need. Submit an online home insurance quote today!

Average Rates Nearby Gardena

Are you looking for homeowners insurance in a city near Gardena? Review coverage options and average rates in your area by clicking your city below. We can help you shop home insurance rates!

Home Insurance Rates by Zipcode in Gardena, CA

Easily review average rates and get multiple homeowners insurance quotes by clicking your zip code below located in Gardena.

90247, 90248, 90249,

Gardena, CA Home Insurance Average Premiums

Local Gardena, CA home insurance quotes comparison

$635 /yr.

Shows Gardena's lowest average rates with discounts applied.

For the city of Gardena, 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)	$635 /yr.
Average Coverage:	$885 /yr.
2600 sq. ft. or higher (all discounts applied)	$1185 /yr.

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

• The average homeowners insurance premium paid annually for a home in Gardena is around $885 per year.

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

• Homeowners in Gardena pay an average cost per month around $74.00 for insurance coverage.

Gardena, CA Coastal Wind, Hail & Flood Information

Gardena 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 Gardena is know for it's beautiful beaches and waterways. Because Los Angeles County (FIPS: 6037) 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 Gardena, CA.

Gardena, CA - 2023 Housing Information

Month	Current Home Value (2023)	Last Year Home Value (2022)
January	$757,250	$713,293
February	$745,836	$723,008
March	$736,368	$734,725
April	$732,913	$745,708

Homeowners insurance will help cover the cost to repair or replace your Gardena 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 Gardena
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.

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

Saving Money Tips on Gardena Home Insurance

A great way to save money on Gardena 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 Gardena 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
45 ft.	This is the average home elevation in Gardena, 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 Gardena, 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.

Elevation

Details

Homeowners Tips

45 ft.

This is the average home elevation in Gardena, 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 Gardena, 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 Gardena, 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 Los Angeles 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, […]

Gardena, CA Dwelling Coverage Estimate

It is important to calculate your dwelling coverage for your home in Gardena 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 Gardena, CA?

- The average square footage in Gardena is around 1,476 Sq. Ft. which would cost you around $478,167 to replace the home if you base the home on the price to build per square foot of $324.

Minimum Replacement Cost Total: $478,167

Location: Gardena, California (Los Angeles County)

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

Average Square Footage in Gardena: 1,476 Sq. Ft.

Home Improvement Status	Price per Sq. Ft.	Dwelling Coverage
None or Very Minor Improvements	$324	$478,167
Some Additional Upgrades	$405	$597,708
Major Home Updates or Advancements	$486	$717,250

Calculate Your Gardena, CA Dwelling Coverage

The dwelling coverage is calculated by the average cost per square foot ($324) in Gardena, 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.