Cheap Homeowners Insurance Pasadena

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cheap homeowners insurance pasadenaPasadena is in Los Angeles County and famous for hosting the annual Rose Bowl football game and Tournament of Roses parade. The cost of living in Pasadena is 20% higher than the California average and 63% higher than the national average. The median home price in Pasadena is $614,400, which is 250% higher than the national average. 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 Pasadena has available.

The overall crime rate in Pasadena is 2% higher than the national average. Property crime is 1% lower than the rest of the state of California, and 5% higher than the nation’s average. This low crime rate and the city’s location are continuing to draw new residents to the area. Location and crime rates are important factors in determining homeowners insurance costs, but it is also important to consider the geological aspects of Pasadena.

cheap homeowners insurance pasadena 2The greater Pasadena area is bordered by the Raymond Fault line, the San Rafael Hills, and the San Gabriel Mountains. This makes it especially risky when it comes to earthquake damage. In addition, on November 30 and December 1, 2011, Pasadena was struck by a major windstorm caused by Santa Ana winds. The city suffered heavy damage with trees toppled, buildings damaged and even the roof of a gas station torn off. Most homeowners insurance policies will cover theft and fire damage, but not damage caused by earthquake or flood. Smart Pasadena homeowners would be very wise to add this coverage to their policy.

About Homeowners Insurance in Pasadena

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 cheap homeowners insurance pasadena 3the following:

  • 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 Pasadena has to offer.