Cheap Homeowners Insurance Oceanside

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cheap homeowners insurance oceansideOceanside is located midway between San Diego and Los Angeles and has 3.5 miles of some of the best beaches in Southern California. The city has been experiencing a lot of recovery and restoration over the past 10 years, and is now an affordable beach city and a very popular place to live. The cost of living in Oceanside is 1% lower than the California average, and the median home price is $350,600. 53% of the homes are owner occupied, and those homeowners are committed to staying and making the city a better place to live. 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 Oceanside has available.

cheap homeowners insurance oceanside 2The crime rate in Oceanside is 1% lower than the state average, and property crime is equal to the average of California and only 5% higher than the national average. The median household income in Oceanside is 9% higher than the national average at $58,385. Most of the working population is employed in construction and manufacturing. The Tri City Medical center and the city of Oceanside are the top employers, which means residents are thoroughly invested in the vitality of the city.

Southern California is no stranger to natural disasters. Earthquakes, floods, fires and the occasional hurricane can all be a risk for homeowners living here. Oceanside is a coastal city, so that ups the risk for floods. It is also right next to the Marine Corps Base Camp Pendleton, which has miles and miles of open brush land that increases the fire risk. Theft and fire are usually covered under you average homeowners insurance policy, but floods and earthquakes are not.

About Homeowners Insurance in Oceanside

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 oceanside 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 Oceanside has to offer.