Get Temecula, CA Home Insurance Rates!

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If you are looking for a new homeowners insurance policy in Temecula, CA or are just shopping for a lower California home insurance premium, we are here to help. Our website can help you compare up to 12 competitive rate quotes based on price and coverage options.

We only work with top-rated carriers in Temecula who offer robust coverage at an affordable price. We will help you make sure your home is fully protected.

Our site can help you shop a wide variety of insurers quickly and easily. Let us help you review and compare Temecula home insurance rates today, enter your zip code above to start a free online quote or give us a call now at 1-855-976-2656.

A Few Facts about Temecula, CA Home Insurance Rates

Home insurance cost around $1,241 per year on average in the Temecula area based on a basic HO-3 homeowner coverage policy including owner-occupied dwelling and a single family unit. To help you compare your average premium, you can see that the national home insurance average is around $1,311.

While insurance rates in Temecula are already pretty affordable, we help you compare rates and coverage options from other insurers so you can find the best rate and policy for your home. Our site can help you save up to 40% or more on your premium while making sure you are fully covered.

While other sites may pair you with lesser known insurance companies that come with reduced coverages levels, we only shop national insurers that offer high quality policies at affordable prices. Our free shopping process allows you to view all the enhanced coverage features, deductible options plus home insurance discounts to make sure you are fully covered at a reasonable price.

Home prices in Temecula and coverage options

In addition to lower than average insurance rates, homes in Temecula are very affordable with the median price for a home coming in at around $658,533. Homeowners insurance offers a variety of coverages that can protect all aspects of your home and property.

  • Temecula City Population: 100,097
  • Total Occupied Homes in Temecula: 31781
  • Family Households (families): 25826
  • Average Home Size: 3.18
  • Average Family Size: 3.46
  • Total Housing Units: 34004

Here is a quick overview of the various coverages included in a standard homeowners policy:

Dwelling: This portion of your homeowners policy covers the structure of your home against covered perils. This coverage pays to rebuild or repair your home if it is damaged or destroyed. It is important to remember that dwelling coverage typically excludes flood damage so if you are in a high-risk area, you will need a separate flood insurance policy to be fully protected. For flood insurance only in Temecula, CA, please call us at 888-620-1954!

Personal Property: Your homeowners policy will protect your personal property under this section of the policy.  Personal property coverage is typically capped at 50% of your dwelling coverage. This means that if you are carrying $250,000 in coverage on your home, your personal property coverage will be capped at around $125,000.

It is always a good idea to keep an inventory of your personal possessions. There are numerous apps that help make this tedious task easier.

Liability: This portion of the policy protects you if a person is injured at your home. It will help cover their medical bills as well as lost wages and funeral costs if necessary. It will also help pay your legal bills if your injured guest decides to sue you.

In addition, the property liability section of your policy will pay for damage you do to another person’s property. As an example, if your child puts a baseball through the neighbor’s window, your liability coverage will pay to replace the window.

Loss of Use: This coverage will help pay bills that you incur if you are not able to live in your home after it is damaged by a covered peril. As an example, if your home burns to the ground you may have to move into a hotel or rental while it is being rebuilt. This coverage will help cover bills such as the hotel, restaurant, and even dry cleaning.

Flood and Earthquake coverage: As mentioned above, a standard homeowners policy excludes coverage for flood and earthquake damage. If your home is at risk of flooding or earthquake damage you will need to purchase a separate policy to be fully protected.

Ready to start shopping for a new policy? Simply enter your zip code above, complete the home details application and we will shop a variety of insurance companies to help you find the best coverage at an affordable premium.

Compare Homeowners Insurance Rates in Temecula, CA!

Enter your Zip Code:    

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

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

Servicing Temecula, California Home Insurance Quotes & Coverage

The carriers we offer for California homeowners have an "A+" A.M. Best rating and our Temecula 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 Temecula, 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 Temecula, CA insurance coverage that you need. Submit an online home insurance quote today!

Average Rates Nearby Temecula

Are you looking for homeowners insurance in a city near Temecula? 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 Temecula, CA

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

92590,     92591,     92592,     

Temecula, CA Home Insurance Average Premiums

Local Temecula, CA home insurance quotes comparison

$665 /yr.

Shows Temecula's lowest average rates with discounts applied.

For the city of Temecula, 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)		$665 /yr.
Average Coverage:$915 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1215 /yr.

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

  • • The average homeowners insurance premium paid annually for a home in Temecula is around $915 per year.

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

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

Temecula, CA Coastal Wind, Hail & Flood Information

Temecula 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.

Temecula, CA - 2023 Housing Information

Month Current Home Value (2023) Last Year Home Value (2022)
January $714,194 $693,772
February $708,743 $704,684
March $706,318 $716,821
April $707,714 $728,841

Homeowners insurance will help cover the cost to repair or replace your Temecula 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 Temecula
  • 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 Temecula, CA homeowners insurance rates all in one place!

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

Saving Money Tips on Temecula Home Insurance

A great way to save money on Temecula 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 Temecula 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
1371 ft. This is the average home elevation in Temecula, 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 Temecula, 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 Temecula, 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 Riverside 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, […]

Temecula, CA Dwelling Coverage Estimate

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

- The average square footage in Temecula is around 1,257 Sq. Ft. which would cost you around $658,533 to replace the home if you base the home on the price to build per square foot of $524.

Minimum Replacement Cost Total: $658,533

Location: Temecula, California (Riverside County)

Average Building Cost Per Square Foot in Temecula: $524 (low end)

Average Square Footage in Temecula: 1,257 Sq. Ft.

Home Improvement StatusPrice per Sq. Ft.Dwelling Coverage
None or Very Minor Improvements$524$658,533
Some Additional Upgrades$655$823,167
Major Home Updates or Advancements$786$987,800

The dwelling coverage is calculated by the average cost per square foot ($524) in Temecula, 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 $1,637,500 (Media price to build of $655 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.