Cheap Homeowners Insurance Murrieta

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cheap homeowners insurance murrietaMurrieta is located in Riverside County and bordered by Temecula to the south and Menifee and Wildomar to the north. The overall cost of living in Murrieta is 7% lower than the California average and 26% higher than the national average. The average home cost is $287,700, which is 23% lower than the median home price for most real estate located in California. Owning a home is a big commitment and for most people their most important investment. 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 Murrieta has available.

cheap homeowners insurance murrieta 2The overall Murrieta crime rate is 47% lower than the California average and 44% lower than the national average. Property crime is 41% lower than the state average and 38% lower than the national average. Murrieta has a total of 125 police officers, which is 67.6% less than the state average and 64.2% less than the national average. Low crime rates help keep homeowners insurance rate low.

The geographical data of Murrieta is also important for homeowners. Murrieta is next to the active Elsinore fault zone, a major fault zone of the San Andreas fault system. The fault separates the Santa Ana Mountains block to the west from the Perris block to the east. This makes the area more at risk for earthquakes and mudslides created by the shifting fault. Only 10% of California homeowners carry earthquake insurance, but given the high rate of earthquakes, it is a good idea to add this to your policy when you live in Cali.

About Homeowners Insurance in Murrieta

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 murrieta 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 Murrieta has to offer.