Chula Vista Homeowners Insurance

The Zebra
Aug. 26, 2019

How to find affordable homeowners insurance in Chula Vista


A critical consideration for every homeowner should be home insurance. Homeowners insurance provides coverage against fire, wind damage, and theft for your home and the contents inside it. Events like this occur often. When paired with the high cost of repairing or rebuilding a home, purchasing homeowners coverage can seem like a great move.

The price of a home insurance policy is dependent on a number of factors. These include the following: dwelling value, value of your personal belongings, and the cost of the materials used to build your home. Location also plays a role in determining the price of your homeowners insurance policy. In areas prone to perils like hail, frozen pipes, volcanoes, or fire, home insurance policies may be more expensive to account for the extra risk. Discover more about what your homeowners insurance policy covers.

If you want to find cheap homeowners insurance in Chula Vista, start with looking around and comparing a variety of different policies. Check out the below summary of average homeowners insurance premiums in Chula Vista to begin your home insurance search with as much knowledge as you can. It's important to remember that the cost of your homeowners insurance is often based on the coverage limits you choose as well as a variety of other factors.


Chula Vista, California, homeowners insurance:
  1. Rates by company
  2. Rates by coverage level
  3. Rates by ZIP code
  4. Insurance bundle discounts

Home insurance in Chula Vista by insurance company

What you pay for homeowners insurance in Chula Vista will depend on the insurance company you get your policy through. The most affordable home insurance in Chula Vista is USAA offering average annual rates at just $574 per year. This is considerably cheaper than the city’s average homeowners premium of $856.

Below you'll find a list of the cheapest homeowners insurance companies in Chula Vista, California to help you begin your search.


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

Average homeowners insurance costs in Chula Vista by coverage level

Your chosen level of homeowners coverage impacts the insurance premiums you pay . 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 $1,130 per year.


HOMEOWNERS INSURANCE RATES IN CHULA VISTA — POPULAR COVERAGE LIMITS
Coverage LevelAverage Annual Rate
$200K Dwelling$615
$400K Dwelling$1,130

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Chula Vista home insurance prices by ZIP code

Depending on the part of Chula Vista you live in, you might see a dramatic difference in your home insurance costs. Policies are often priced on local variables such as the number of claims filed in the immediate area, meaning the neighborhood in which you live could have a major impact on how much you pay to insure your home.

If you're looking for the cheapest home insurance rates in Chula Vista, take at look at the 91911 ZIP code. In the 91911 area, homeowners coverage usually costs just $837 per year on average — a full $19 less than the Chula Vista average. The below table shows the best places to live in Chula Vista if you’re looking for affordable homeowners insurance.


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

On the other hand, some areas of Chula Vista face higher homeowners insurance costs, on average. Crime rates, fire risk, and even your proximity to emergency services such as fire and police stations could impact rates the risk level of certain parts of the city, which could drive up premiums in the area. One of the costliest ZIP codes for homeowners insurance in Chula Vista is 91902, with an annual average rate of $873.


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



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Looking for a money-saving tip for insurance in Chula Vista? Try bundling

One way to save on insurance costs is to consider bundling your homeowners and auto insurance policies through the same company. Bundling your 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 RATES WITH HOME BUNDLE IN CHULA VISTA
CompanyAvg. Annual Auto Insurance Rate (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. Call 855-493-9728 to speak with an insurance professional today.


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