Cheap Homeowners Insurance El Cajon

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cheap homeowners insurance el cajonEl Cajon is in a valley surrounded by mountains in San Diego County. The name El Cajon means, “The Big Box,” to describe its position in the valley. The city is just just 15 miles due east of San Diego and is the fifth largest of 18 cities in San Diego County. The cost of living in El Cajon is 5% lower than the California average and 29% higher than the national average. A home in El Cajon costs $333,700 and each household has an average income of $45,957.  The cost of housing in El Cajon is 69% higher than the national average. El Cajon is a fairly affordable place to live, and many residents commute to either San Diego or Los Angeles areas for work. The number of homes sold in El Cajon has steadily decreased since 2012, but the cost has continued to rise. A home is a big investments, so  is very important to understand how much insurance you need according to the special features of the area. This will help you get the best cheap homeowners insurance El Cajon has available.cheap homeowners insurance el cajon 2

The overall crime rate in El Cajon is 12% lower than the national average, and has been on the decline since 2008. Crimes involving property are 17% lower than its state’s mean, and 12% lower than the country’s average. As of 2015 the city has 181 full- time police officers, and an active neighborhood watch program. Crime rates are important factors in determining the cost of homeowners insurance, as well as the geographical traits of the area.

The city of El Cajon has a high earthquake risk, with a total of 519 earthquakes since 1931. The USGS database shows that there is a 76.97% chance of a major earthquake in El Cajon within the next 50 years. The largest earthquake within 30 miles of El Cajon, CA was a 4.4 Magnitude in 1983. The area is also a high risk for fires, as summer and autumn brings the high temperatures and Santa Ana winds. Most homeowners insurance policies cover theft and fire, but not earthquake damage.

About Homeowners Insurance in El Cajon

Since each homeowner is an individual, not every person will want the same coverage. However, there are certain aspects to homeowners insurance that are necessary. Most policies generally cover
the following:cheap homeowners insurance el cajon 3

  • Damage to your home, such as permanent structures being destroyed by fire.
  • Damage to personal property, including items in your home being damaged that are not permanent structures.
  • Liability Coverage, which can be useful in legal matters or if there is an accident at your residents.
  • Limited Coverage for theft, which covers things such as stolen jewelry or other expensive property.

California has many cheap homeowners insurance carriers to choose from and premium rates are largely based on who is providing the coverage. This means it pays to take the time to shop around for the best coverage on cheap homeowners insurance El Cajon has to offer.