Chula Vista Homeowners Insurance

How to find cheap homeowners insurance in Chula Vista


Home insurance should be a critical consideration for every homeowner. Along with personal property, homeowners insurance covers your dwelling in the event of many perils, including theft, fire, wind damage, and vandalism. Given the relatively frequent occurrence of these incidents and the substantial cost of replacing a home, a homeowners insurance policy is a solid investment.

What you pay for homeowners insurance is dependent on a number of factors. These include your dwelling's value, the value of your personal belongings, and the cost of the materials used to build your home. 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. Learn more about what is covered by a homeowners insurance policy.

If you want to find cheaper home insurance coverage in Chula Vista, start with shopping around and comparing different policies. 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. 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, home insurance — table of contents:
  1. Rates by insurer
  2. Rates by coverage amount
  3. Rates by ZIP
  4. Rates by deductible amount
  5. Policy bundling discounts

Home insurance in Chula Vista by insurance 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.

Have a look at the cheapest insurance companies in Chula Vista, California to find the right homeowners policy for you.


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

Average home insurance rates in Chula Vista by coverage limit

How much you spend on home insurance coverage is greatly influenced by the level of coverage you choose. In Chula Vista, carrying $200K dwelling coverage costs an average of $615, while carrying additional coverage up to $400K costs $1,190/year.


HOMEOWNERS INSURANCE RATES IN CHULA VISTA — POPULAR COVERAGE LIMITS
Coverage LevelAverage Annual Rate
$100,000 Dwelling$371
$200,000 Dwelling$615
$250,000 Dwelling$781
$400,000 Dwelling$1,190

Compare Homeowners Insurance Rates

Chula Vista homeowners insurance rates by ZIP code

Home insurance premiums can vary depending on what area of Chula Vista in which you live. 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, which isa 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 ZIP CODES 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. Such areas might face a higher risk of perils such as fires or severe weather events. Similarly, they may also have a higher amount of crimes such as burglary or vandalism. With an annual average premium of $873, 91902 comes in as the costliest 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

Home insurance deductibles in Chula Vista

Among the numerous options homeowners face when buying homeowners insurance is how high or low to set the deductible. The deductible is the dollar amount that the insured must contribute toward a covered loss. Where you set your deductible can play a significant role in how much you pay for insurance.

In short, a higher deductible means cheaper insurance rates. Therefore, if you are aiming for lower home insurance rates, you’ll want to keep your deductible higher. Remember that your deductible should not be so high that you would struggle to pay it in the event of a loss.

Take a look at some of the average deductibles offered by home insurance companies and an approximation of what you can expect your rates to be.


HOME INSURANCE PREMIUMS BY DEDUCTIBLE TIER 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: bundle home and auto insurance in Chula Vista

To save a little money, you might 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. In fact, bundling policies in Chula Vista leads 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.


Find an Insurance Policy

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.