Cheap Homeowners Insurance Mission Viejo

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cheap homeowners insurance mission viejoMission Viejo is suburban city in Orange County, and is considered one of the largest master-planned communities ever built under a single project in the United States. The cost of living in Mission Viejo is 20% higher than the California average and 62% higher than the national average. Unemployment in Mission Viejo is13% lower than the national average and the median home sales price is $660,750. The city’s main focus as residential development, its picturesque tree-lined neighborhoods, and its 13% lower than the national average unemployment rate continue to draw would be homeowners. If you own a home here it 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 Mission Viejo has available.

cheap homeowners insurance mission viejo 2Mission Viejo is safer than 78% of the cities in the United States, with an overall crime rate in 58% lower than the national average. The property crime rate is 58% lower than the California average and 55% lower than the national average. The Orange County Sheriff’s Department handles police services for Mission Viejo, including a canine unit and a special crime investigation unit. Low crime rates help keep homeowners insurance prices down, but geographical traits are also important.

With a total of 2,446 earthquakes since 1931, Mission Viejo has a very high earthquake risk. There is a 92.99% chance of a major earthquake within 50km of the city within the next 50 years. The largest earthquake within 30 miles of Mission Viejo, was a 5.5 Magnitude in 2017. Most insurance policies do not cover earthquake damage, in fact, only 10% of homeowners in California have earthquake coverage. Even small earthquakes can cause structural damage, so adding the coverage to your policy is well worth it.

About Homeowners Insurance in Mission Viejo

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 mission viejo 3Damage 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 Mission Viejo has to offer.