Riverside Homeowners Insurance

The Zebra
Aug. 26, 2019

Find cheap homeowners insurance in Riverside


Home insurance is a hugely important part of owning a home. Home insurance policies provide coverage against fire, wind damage, and theft for your home and the contents inside it. Incidents like this occur often. When paired with the high cost of repairing or rebuilding a house, purchasing homeowners coverage can seem like a great move.

The price of a homeowners 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. 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 info about the specifics of home insurance coverage.

If you want to find affordable homeowners insurance in Riverside, start with shopping around and comparing different policies. Have a look at the summary below comparing average home insurance rates in Riverside to begin your homeowners insurance search with as much information as possible. Remember: your homeowners insurance premiums may vary based on your coverage limits and other factors.


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

Home insurance in Riverside by insurance company

Riverside homeowners insurance rates will vary depending on which insurance company you choose. Mercury offers the most affordable home insurance in Riverside, at just $682 per year. This compares favorably to the city’s average homeowners premium of $982.

Begin your search for a home insurance policy by reviewing the cheapest companies in Riverside, California, listed below.


AFFORDABLE HOMEOWNERS INSURANCE COMPANIES IN RIVERSIDE
CompanyAverage Annual Rate
Mercury$682
USAA$684
Nationwide$795
AAA$799
AmTrust NGH$865

Average homeowners insurance costs in Riverside by coverage level

How much you pay for home insurance coverage is greatly impacted by the level of coverage you choose. In Riverside, carrying $200K dwelling coverage costs an average of $698, while carrying additional coverage up to $400K costs $1,286 per year.


HOMEOWNERS INSURANCE RATES IN RIVERSIDE — POPULAR COVERAGE LIMITS
Coverage LevelAverage Annual Rate
$200K Dwelling$698
$400K Dwelling$1,286

Speak with a homeowners insurance expert

Riverside home insurance rates by ZIP code

Depending on the part of Riverside 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.

To find the most affordable home insurance premiums in Riverside, look no further than 92503. In the 92503 area, homeowners policies typically cost just $949 per year — a full $33 less than the Riverside average. Find the best places to live in Riverside for cheap home insurance by looking at the following table.


AFFORDABLE AREAS FOR HOMEOWNERS INSURANCE IN RIVERSIDE
ZIP CodeAverage Annual Home Insurance Rate
92503$949
92505$958
92504$966

Other areas of Riverside, however, face homeowners rates that surpass the city average . These areas might face a higher probability of perils such as fires or severe weather events. Similarly, they may also have a higher amount of crimes such as burglary or vandalism. The most expensive ZIP code for homeowners insurance in Riverside is 92521, where the average annual rate is $1,020.


EXPENSIVE AREAS FOR HOMEOWNERS INSURANCE IN RIVERSIDE
ZIP CodeAverage Annual Home Insurance Rate
92521$1,020
92508$1,002
92501$992



Get a homeowners insurance quote


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

If you’re seeking savings on your overall insurance costs, consider purchasing your home and auto policies from the same insurance company. Bundling your homeowners and auto insurance can save you a substantial sum each month on your auto insurance bill. By bundling your policies, Riverside homeowners could see annual savings of 12% on average.


CHEAPEST AUTO INSURANCE RATES WITH HOME BUNDLE IN RIVERSIDE
CompanyAvg. Annual Auto Insurance Rate (Bundle)
GEICO$1,248
Mercury$1,285
Farmers$1,609
Allstate$1,912
State Farm$1,942

A great way to save on insurance is to bundle your home and auto policies with the same insurance company. Call 855-493-9728 to speak with an insurance specialist today.


Need homeowners insurance?