Cheap Homeowners Insurance Fullerton

Start My Quote
cheap homeowners insurance fullertonFullerton is home to many higher educational institutions including California State University, Fullerton and Fullerton College. Fullerton has a flat downtown area and is laid out in a grid plan as part of Orange County California. Recent renewal and beautification projects, have attracted specialty stores, coffee shops, and restaurants, and new housing projects. The cost of living in Fullerton is 10% higher than the California average and 49% higher than the national average. The median home price in Fullerton is $492,800, which is 180% higher than the national average. Your home is your biggest investment, so it is very important to understand how much insurance you need according to the special features of the city you live in. This will help you get the best cheap homeowners insurance Fullerton has available.

cheap homeowners insurance fullerton 2The overall crime rate in Fullerton is 6% higher than the national average, while property crime is 6% higher than the state average, and 11% higher than the country’s average. Crime rate is an important factor in the calculation of homeowners insurance premiums, as well as the geological characteristics of the city. Fullerton is located in the northwest portion of Orange County along the fringe of the coastal plain of Los Angeles County and Orange County, where large quantities of rainfall can cause flooding and other types of storm damage. The City of Fullerton, similar to the rest of California, is located within a seismically active region as a result of being located near the active local and regional faults that have the potential to affect the city. Two faults, the Norwalk Fault and Puente Hills Fault, traverse Fullerton. Most homeowners insurance policies cover fire and theft, but not flood and earthquake damage. Fullerton homeowners would be wise to add these options to their insurance policy.

About Homeowners Insurance in Fullerton

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 fullertonDamage 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 Fullerton has to offer.