Cheap Homeowners Insurance Temecula

Start My Quote
cheap homeowners insurance temeculaTemecula is a popular tourist destination, with the Temecula Valley Wine Country, Old Town Temecula, and the Temecula Valley Balloon & Wine Festival. Located in Riverside County, it is also part of the Inland Empire region. Temecula is more affordable than many cities in California, and the median price of a home is $311,100, which is 16% lower than the California average. The cost of living in Temecula is 5% lower than the California average, but 29% higher than the national average. Owning a home is a big commitment and expense, 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 Temecula has available.

cheap homeowners insurance temeculaThe overall crime rate in Temecula is 5% lower than the national average and 11% lower than the California average. Property crime is equal to the California average and 5% higher than the national average. During 2009–2013, Temecula had a median household income of $78,356, with 8.5% of the population living below the federal poverty line. Crime and cost of living are important factors in the cost of homeowners insurance, as well as the geological characteristics of the area.

Temecula is located in a relatively stable area between the Elsinore and San Jacinto Fault Zones. Even so, the area had 736 earthquakes in the past 365 days of 2016! Strong winter storms are not uncommon especially during “El Niño” years. In July through September, Temecula experiences hot, dry weather and dry, windy north-eastern Santa Ana winds. These winds are critical factors during fire season, and often give firefighters more than they bargain for. Most homeowners insurance policies will cover fire and theft, but not earthquake and flood damage. Smart homeowners make sure these are added to their policy for extra protection against mother nature.

About Homeowners Insurance in Temecula

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 temecula 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 Temecula has to offer.