Highland, CA Home Insurance Quotes!

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Are you looking for an easily and affordable way to get a Highland, CA home insurance policy? Homeowners insurance for your home located in Highland will protect you from major financial losses if your home was damaged by a hurricane, fire, lightning storm, high winds, theft, vandalism or falling objects like power lines, trees or air debris. In a standard homeowners insurance policy, most of the items mentioned are covered. Also, most Highland, CA homeowners insurance policies provide liability coverage if you were found responsible for someone's injury. It's very important to speak with a licensed insurance agent about your coverage protection, for example, most homeowners don't realize that a normal home insurance policy does not cover flood damage. When you speak with one of our Highland based home insurance agents you will discover that you may be required or find that it is best to get flood insurance as an additional policy toward the protection coverage of your property.

Understanding more about your Highland home insurance is a huge advantage to getting the right coverage. It's not always about the cheapest price, sometimes paying a little more for better coverage with a brand name like Nationwide, Travelers or Liberty Mutual can help you gain the coverage you need when you depend on your insurance company the most. Our California agents are easily accessible by phone or online. You can start by entering your zip code for the home you would like to insure in Highland, CA and let us generate the multiple quotes for you for free or call us now 855-976-2656. We will work with you to provide the best coverage and cost savings option. Start your Highland home insurance quote today!

Highland, CA Housing Data

Highland has 53,104 residents, which translates into roughly 16,874 households per zip code with roughly 4 people per household. The average household income is a respectable $66,560, which is slightly above the national average. Homes are more expensive in the Highland area with the average house value coming in at $335,100.

Average Highland, CA Home Insurance Rates & Information

When shopping online for Highland homeowners insurance, local residents have found better ways to save on their annual home insurance premium by easily comparing rates and applying for additional discounts. Rates are now as low as $681 per year for an HO-3 policy that covers the basic needs of homeowners insurance. Average rates in your area run around the $931 per year or only $78 per month for great coverage and a dependable insurance company you can trust. These average home insurance rates reflect the cost of a standard home insurance policy which includes the coverage of your home, your contents, loss of use, medical payments and homeowner liability coverage.

For the best home insurance rate and coverage options available, use GetHomeInsuranceQuotes.com to compare up to 12 rates for your home located in Highland. Our process is free and our quoting application only takes a few minutes of your time to complete. Make sure you know when your home was built, the overall heated square footage of your home and all the discounts and credit options that may be available to you. Also, we calculate your dwelling coverage for you, but you can use our home insurance calculator to get a free estimate. To start the quoting process, simply enter your zip code. Our free online chat service is available if you have any questions about the property details of your home or give us a call now at 855-976-2656.

Compare Homeowners Insurance Rates in Highland, CA!

Enter your Zip Code:    

Get up to 12 competitive Highland, CA homeowners insurance rates all in one place!

Enter your Zip Code:    
Easily compare up to 12 competitive Highland, CA rates all in one place!

Servicing Highland, California Home Insurance Quotes & Coverage

The carriers we offer for California homeowners have an "A+" A.M. Best rating and our Highland agents have been working with these carries since 2007. Our insurance experience provides the best service when it comes to working with you so we can provide a coverage plan that works best for you. Our California customers value our service and depend on us to help them with all of their insurance needs, that also includes auto and life insurance as well. As a homeowner in California shopping for online rates and coverage options can be a confusing task, that's why working with our Highland, CA agent will give you the outstanding service you need to find the coverage you can understand and afford. Our top rated carriers include Farmers, Safeco, First American, Travelers, Liberty Mutual, Chubb, Foremost, Pacific Select Property and many more. Because we know that homeowners insurance is not always about the lowest price, it's important to find affordable coverage that you know and trust. Take advantage of our online services and let us help you find the Highland, CA insurance coverage that you need. Submit an online home insurance quote today!

Average Rates Nearby Highland

Are you looking for homeowners insurance in a city near Highland? Review coverage options and average rates in your area by clicking your city below. We can help you shop home insurance rates!

Home Insurance Rates by Zipcode in Highland, CA

Easily review average rates and get multiple homeowners insurance quotes by clicking your zip code below located in Highland.

92346,     

Highland, CA Home Insurance Average Premiums

Local Highland, CA home insurance quotes comparison

$681 /yr.

Shows Highland's lowest average rates with discounts applied.

For the city of Highland, homeowners insurance rates may vary on deductible, coverage amount and property details. Below is a list of the averages based on the cost of an annual home insurance premium.

Coverage Amount:Annual Premium
1800 sq. ft. or below
(discounts applied)		$681 /yr.
Average Coverage:$931 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1231 /yr.

What is the average home insurance cost for a home in Highland, CA?

  • • The average homeowners insurance premium paid annually for a home in Highland is around $931 per year.

What does it cost on average per month for home insurance in Highland, CA?

  • • Homeowners in Highland pay an average cost per month around $78.00 for insurance coverage.

Highland, CA Coastal Wind, Hail & Flood Information

Highland is located in a coastal county which greatly increases the risk of hurricanes and windstorms. Our quoting process will include wind and hail coverage options to give you the best protection you need against high winds and storm damage.

Highland, CA - 2023 Housing Information

Month Current Home Value (2023) Last Year Home Value (2022)
January $513,811 $485,048
February $508,202 $492,624
March $502,959 $499,786
April $499,894 $506,475

Homeowners insurance will help cover the cost to repair or replace your Highland home if it is damaged or destroyed by a covered peril, up to your coverage limits. A homeowners policy is made up of a few different coverages. Here are the most common coverages:

  • Dwelling: This coverage will pay to repair or replace the structure of your home if it is damaged or destroyed. Review and Calculate Replacement Cost Coverage in Highland
  • Liability: This coverage will help cover medical and legal bills if someone is injured in your home, slipping on an icy sidewalk for example. It also offers protection if you damage another person’s property, your child hitting a baseball through a neighbor’s window for example.
  • Contents: This covers the cost to replace your personal possessions that are destroyed by a covered peril. Furniture, electronics, clothing and household goods are excellent examples. Contents coverage is often capped at 50% to 70% of your dwelling coverage.
  • Other Structures: This coverage protects other structures on your property such as detached garages, outbuildings, barns, and sheds.
  • Loss of use: This covers everyday costs that you incur if you cannot live in your home while it is being repaired due to a claim. It will pay hotel and restaurant bills and even the cost of dry cleaning.
Enter your Zip Code:    

Get up to 12 competitive Highland, CA homeowners insurance rates all in one place!

Enter your Zip Code:    
Easily compare up to 12 competitive Highland, CA rates all in one place!

Saving Money Tips on Highland Home Insurance

A great way to save money on Highland homeowners insurance is to make sure you are getting all the discounts you are qualified to receive. Here are just a few of the most common discount’s insurers offer:

  • Bundling: If you purchase your home and auto (or any other insurance coverage) from the same insurer, you should get a bundling discount. Expect to save 20%-25%.
  • Secure your home: Adding a monitored security system, water leak sensors, deadbolts, and smoke detectors should result in a discount.
  • Impact resistant roof: If you are replacing your roof, consider impact resistant roofing materials which help prevent hail and impact damage as well as resulting in a significant discount.
  • Stay claim free: If you have been claim free for a number of years (five is a common requirement) your insurer should offer a claim free discount.

Are you shopping for the best rate near or wihin the Highland area? Check out what homeowners are paying on average for California homeowners insurance.

Elevation Review for Coastal Wind or Flooding Risk

Elevation Details Homeowners Tips
1487 ft. This is the average home elevation in Highland, CA

» Elevation is crucial to a homeowners insurance policy because it determines the risk of your home being in a flood zone which is particularly important in a coastal state such as Highland, California.

A standard homeowners policy does not cover flood damage. If you live in a flood prone area, you will need to purchase a separate flood to fully protect your home.

Call Now for Flood Insurance Quotes: 888-620-1954!

Flood insurance can be purchased via the National Flood Insurance Program (NFIP) or in the private market. NFIP policies come with coverage caps and other restrictions so you may need to supplement your flood insurance coverage with a private market policy.

It's important to remember that flooding occurs in low and moderate risk areas as well. According to FEMA data, almost 25% of all flood claims come from low to moderate-risk areas.

To get online quotes on your home and compare rates on home insurance premiums in Highland, enter your zip code above and easily complete our online quoting application. Remember, it's important to speak with us about additional home insurance discounts so you can get the best rate for your home in San Bernardino County.

California Homeowners Insurance News & Information

  • 2024 Average Homeowners Insurance Rate at $2,777 per year  Posted on Tuesday 20th February, 2024

    A recent report by Insurance.com, found that the average homeowners insurance rate in the U.S. came in at $2,777 per year which breaks down to $231 a month. The average was based on coverage levels of $300,000 in dwelling and liability and a $1,000 deductible. When Insurance.com ran the numbers, Oklahoma was the most expensive […]

  • What exactly is a FAIR Plan? Posted on Tuesday 2nd January, 2024

    If you live in an area where severe weather is common, or wildfires pop up every summer you may have trouble finding affordable home insurance coverage. If homes in your area are repeatedly damaged or destroyed by a covered peril, insurers may pull out of the entire area, refusing to write policies in your neighborhood. […]

  • 2024 Homeowners Insurance Outlook Receives Negative Rating Posted on Tuesday 21st November, 2023

    The insurance news for 2024 is certainly not great. Experts expect that extreme weather and increasing costs will push up insurance costs and make insurance companies more selective when deciding where they will write policies.  Recently, credit rating agency AM Best downgraded the entire home insurance industry from stable to negative. According to Richard Attanasio, […]

  • 2023 – California’s recent storms – Is my home covered by insurance? Posted on Tuesday 10th January, 2023

    California has recently been hit by a shocking amount of punishing winter weather that has triggered flooding as well as mudslides across vast areas of the state. The weather has led to evacuation orders as well as damaged homes. Unfortunately, for many homeowners, the damage may not be covered by their homeowners insurance.   In most […]

  • 2022 Future Housing Market Preview by Fed Chairman Powell Posted on Friday 1st July, 2022

    Many of us are concerned about how the housing market will fare as interest rates head up and a looming recession takes hold. Will home values crash as they did during the Great Recession or will they simply stop rising and settle in at their current values.  While no one can predict the future, Fed […]

Highland, CA Dwelling Coverage Estimate

It is important to calculate your dwelling coverage for your home in Highland so you know what type of homeowners insurance coverage you need to cover your replacement cost. It is recommended to have enough dwelling coverage to rebuild your home if it was destroyed by a covered peril.

Please remember that replacement cost coverage does not include the cost of the land, only the price to rebuild your home, which is why we like to help customers by answering a few questions that you may have.

What is the average replacement cost coverage in Highland, CA?

- The average square footage in Highland is around 1,034 Sq. Ft. which would cost you around $335,100 to replace the home if you base the home on the price to build per square foot of $324.

Minimum Replacement Cost Total: $335,100

Location: Highland, California (San Bernardino County)

Average Building Cost Per Square Foot in Highland: $324 (low end)

Average Square Footage in Highland: 1,034 Sq. Ft.

Home Improvement StatusPrice per Sq. Ft.Dwelling Coverage
None or Very Minor Improvements$324$335,100
Some Additional Upgrades$405$418,875
Major Home Updates or Advancements$486$502,650

The dwelling coverage is calculated by the average cost per square foot ($324) in Highland, California times your heated square footage. Which would equal the cost to rebuild your home minus the cost of the property or land. Some homes will have a higher replacement cost due to home improvements like updated kitchens and bathrooms. Other upgrades may include: granite countertops, hardwood floors and stainless steel appliances. The national square foot average to build a brand new home is around 2500 square feet. So if you are looking to build, and your square footage of your new home is 2500, you are looking at a dwelling coverage premium of around $1,012,500 (Media price to build of $405 x 2500 sq. ft.) to cover the cost to rebuild your new home.

What is the difference between actual cash value and replacement cost value?

Homeowners insurance is available in both actual cash value (ACV) and replacement cost value (RCV). Knowing the difference is important:

Actual cash value: When valuing your personal possessions, an actual cash value policy will take depreciation into account. This means that your 10-year-old TV will be basically worthless according to your insurance company. While an ACV policy tends to be cheaper, if you have to make a claim you may be disappointed in your claim payout.

Replacement cost value: A RCV policy will replace your possessions with brand new items of similar quality regardless of how old they were at the time they were destroyed. While RCV policies are slightly more expensive, they are well worth the cost if you have to make a claim.