Chula Vista, CA Homeowners Insurance

Homeowners insurance costs $71 per month in Chula Vista, on average. Learn more about how to save money on your policy.

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How to find affordable home insurance in Chula Vista


A critical consideration for every homeowner should be their home insurance coverage. It covers your dwelling — and the personal property within it — against a variety of perils, including fire, theft, vandalism, or wind damage. Given the relatively frequent occurrence of these incidents and the substantial cost of replacing a home, having a home insurance policy is a solid investment.

The cost of home insurance factors in variables such as the cost of building materials, the value of your personal belongings, and the overall value of the primary dwelling. Your home's location can also impact how much you pay, as some locations are more prone to destructive hazards. If your area is at risk of being affected by hail, strong winds, fire, frozen pipes, or volcanic activity, then your premiums could be substantially higher than average. Find out more information about what is covered by a homeowners insurance policy.

If you want to find cheap home insurance in Chula Vista, start with shopping around and comparing what different companies offer. Check out the below summary of average homeowners insurance premiums in Chula Vista to help you get as much information as possible when you start your search for homeowners insurance. One thing to note is that the yearly cost of home coverage is determined based on your chosen coverage limits as well as a number of other rating factors.


Chula Vista, California, homeowners insurance — contents:
  1. Rates by insurance company
  2. Rates by coverage amount
  3. Rates by ZIP code
  4. Rates by deductible amount
  5. Bundling discounts

Homeowners insurance in Chula Vista by company

Homeowners insurance rates in Chula Vista vary from one insurance company to another. USAA offers the most affordable home insurance in Chula Vista, at just $574 per year. This compares favorably to the city’s average homeowners premium of $856.

To get started with your homeowners insurance policy search, take a look at this list of the cheapest companies in Chula Vista, California.


CHEAP HOMEOWNERS INSURANCE COMPANIES IN CHULA VISTA
CompanyAverage Annual Rate
USAA$574
Mercury$621
AAA$716
AmTrust NGH$717
Nationwide$780

Average homeowners insurance rates in Chula Vista by coverage levels

How much you spend on home insurance coverage is greatly influenced by the level of coverage you choose. Homeowners in Chula Vista who carry $200K in dwelling coverage pay an average of $615 per year, while those with coverage up to $400K pay around $1,190 per year.


HOMEOWNERS INSURANCE RATES IN CHULA VISTA — POPULAR COVERAGE LIMITS
Coverage LevelAverage Annual Rate
$100K Dwelling$371
$200K Dwelling$615
$250K Dwelling$781
$400K Dwelling$1,190

Chula Vista homeowners insurance prices by ZIP code

Homeowners insurance costs can vary depending on what part of Chula Vista in which you live. The amount of claims filed in your local area can be a factor in determining the price of your policy. Put simply, the location of your home could have a huge impact in what you pay for homeowners insurance.

The cheapest home insurance rates in Chula Vista are available in 91911. In 91911, the typical home insurance policy costs $837 per year — $19 less than the citywide average in Chula Vista. Find the best places to live in Chula Vista for cheap home insurance by looking at the following table.


AFFORDABLE AREAS FOR HOMEOWNERS INSURANCE IN CHULA VISTA
ZIP CodeAverage Annual Home Insurance Rate
91911$837
91915$853
91913$853

Some parts of Chula Vista, however, are prone to homeowners insurance rates that are higher on average. Fire risks, crime rates, and even your how close you are to emergency services could lead insurance companies to see certain neighborhoods as higher risk, which could drive up area rates. An average annual rate of $873 makes 91902 the most expensive ZIP code in Chula Vista for homeowners coverage.


EXPENSIVE AREAS FOR HOMEOWNERS INSURANCE IN CHULA VISTA
ZIP CodeAverage Annual Home Insurance Rate
91902$873
91910$865
91914$856

Looking for insights on homeowners insurance in a specific city? Check out our analysis of populous California cities:

  1. Anaheim
  2. Bakersfield
  3. Fremont
  4. Fresno
  5. Irvine
  6. Long Beach
  7. Los Angeles
  8. Oakland
  9. Riverside
  10. Sacramento
  11. San Bernardino
  12. San Diego
  13. San Francisco
  14. San Jose
  15. Santa Ana
  16. Stockton

Home insurance deductibles in Chula Vista

One of the decisions available when shopping for homeowners policies is how high or low to set your deductible. A deductible is the amount for which a homeowner is responsible before an insurance company steps in to cover costs. Where you set your deductible can play a large part in how much you pay for insurance.

Put simply, having a higher deductible means cheaper insurance rates. As such, if you want your insurance rates to remain low, aim for a higher deductible. Remember that your deductible should only be as high as you can reasonably afford if you suffer a loss.

The following chart displays the typical premium costs associated with most deductibles.


HOMEOWNERS INSURANCE PREMIUMS BY DEDUCTIBLE IN CHULA VISTA
Deductible LevelAverage Annual Homeowners Insurance Rate
$500$873
$1,000$781
$1,500$737
$2,000$664
$5,000$559

Money-saving tip for home and auto insurance in Chula Vista: bundling

One way to save on insurance costs is to think about bundling your homeowners and auto insurance policies through the same company. Bundling homeowners and auto insurance can be a good money-saving option. Bundling policies in Chula Vista could, in fact, lead to average annual savings of 12%.


CHEAPEST AUTO INSURANCE PREMIUMS WITH A POLICY BUNDLE IN CHULA VISTA
CompanyAvg. Annual Auto Insurance Rate (With Bundle)
GEICO$1,023
Mercury$1,113
Farmers$1,404
State Farm$1,669
Allstate$1,910

Bundling your homeowners and auto policies can be a great way to save some money on insurance.


Ava Lynch LinkedIn

Based in Austin, TX, Ava has been in the insurance industry as a licensed agent for 4-plus years. Ava is currently one of The Zebra’s resident property insurance experts and has been featured in publications such as US News Report, GasBuddy, and Yahoo! Finance.