Riverside, CA Homeowners Insurance

Learn more about how to find affordable homeowners insurance in Riverside.

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How to find cheap homeowners insurance in Riverside


Home insurance is an 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, investing in an expansive homeowners policy can seem like a great idea.

The cost of home insurance depends on myriad factors, including the value of the dwelling, the value of your personal items, and the materials used to construct the 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. Discover more information about what is covered by a homeowners insurance policy.

Finding cheap home insurance in Riverside starts with shopping around and comparing policies. Have a look at the summary below comparing average home insurance rates in Riverside 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.


Riverside, California, homeowners insurance — contents:
  1. Rates by insurer
  2. Rates by coverage amount
  3. Rates by ZIP code
  4. Rates by deductible level
  5. 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.

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


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

Average homeowners insurance prices in Riverside by coverage amount

Your chosen amount of homeowners coverage has an impact on the insurance premiums you pay . In Riverside, carrying $200K dwelling coverage costs an average of $698, while carrying additional coverage up to $400K costs $1,368/year.


HOMEOWNERS INSURANCE RATES IN RIVERSIDE — POPULAR COVERAGE LIMITS
Coverage LevelAverage Annual Rate
$100K Dwelling$423
$200K Dwelling$698
$250K Dwelling$896
$400K Dwelling$1,368

Riverside home insurance rates by ZIP code

Not every area of Riverside has equal home insurance costs. The amount of claims filed in your local area can be a factor in determining the price of your policy. Put simply, the neighborhood you live in could have a huge impact in what you pay for home insurance.

The cheapest home insurance rates in Riverside are available in 92503. In 92503, the typical home insurance policy costs $949 per year — $33 less than the citywide average in Riverside. The below table shows the best places to live in Riverside if you’re looking for affordable homeowners insurance.


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

Other areas of Riverside, it should be noted, face homeowners rates that surpass the city average . These areas could be more susceptible to perils such as theft, severe weather, or fires that present more risk for insurance companies. One of the costliest ZIP codes for home insurance in Riverside is 92521, with an annual average rate of $1,020.


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

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

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

Homeowners insurance deductibles in Riverside

Homeowners have numerous choices to make when buying a policy, including the amount of their deductible. A deductible is the total dollar amount that the insured must contribute toward a covered loss. The deductible that you decide on can have a big impact on home insurance rates.

When choosing a deductible, a good rule of thumb is that the lower your deductible, the higher your premiums. As such, if you want your insurance rates to remain low, aim for a higher deductible. Remember that your deductible should not be set at an amount that you would have difficulty paying in the event of a loss.

Below you'll find some typical deductibles offered on most home policies alongside with related average insurance premiums.


HOME INSURANCE PREMIUMS BY DEDUCTIBLE LEVEL IN RIVERSIDE
Deductible LevelAverage Annual Homeowners Insurance Rate
$500$1,005
$1,000$896
$1,500$846
$2,000$759
$5,000$639

Money-saving tip: bundle home and auto insurance in Riverside

If you’re looking for 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 PREMIUMS WITH HOME BUNDLE IN RIVERSIDE
CompanyAvg. Annual Auto Insurance Rate (With Bundle)
GEICO$1,248
Mercury$1,285
Farmers$1,609
Allstate$1,912
State Farm$1,942

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


Ross Martin LinkedIn

As a licensed insurance agent, Ross is responsible for researching and writing about all matters related to auto and home insurance. He has a background in writing and education, as well as a master's degree from Royal Holloway, University of London. He has been quoted by CNET, iDriveSafely.com, and Kin Insurance.