Loma Linda, CA Homeowners Insurance Rate Quotes!

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Shopping online for a new homeowners insurance policy in Loma Linda just got a bit easier. Our website GetHomeInsuranceQuotes.com is here to help you find a great policy at the right price and our customer service reps will make sure that the whole insurance buying process is easy and stress free.

We work with dozens of highly trusted brand name insurance carriers that have been in business for decades so you can be confident that they will be there to help if you ever need to make a claim.

Our licensed Loma Linda insurance consultants are happy to help you compare multiple insurance quotes, advise you on what coverages are right for you and answer any questions you may have throughout the entire shopping process.

We will pull rates from up to 12 different insurance companies and present you with the best options for your home. All of our insurers are highly rated by A.M. Best and our service professionals will guide you through the maze of California home insurance options so you can be confident that you get the best coverage at an affordable price. Easily start your quote today by entering your Loma Linda zip code today!

Loma Linda Home Insurance Rate on Average

Rates depend on many factors, every policy is different because every home is different. Homeowners in Loma Linda are paying on average around $948 per year. Most homeowners insurance policies are paid annually, but home insurance normally cost around $79 per month for homes in the Loma Linda area. With discounts applied, some are seeing rates as low as $698 per year. More expensive homes that cost more to rebuild or replace are seeing rates higher in the $1,248 per year range. We can help you review which insurance company is best based on price, savings and most of all coverage options. Let us help you shop rates today!

These rates are for a standard homeowners insurance policy, which covers not only the structure of your home but also your contents and other detached structures on your property. In addition, all of our homeowner policies offer liability coverage in case someone is injured on your property as well as medical payments and loss of use coverage.

Insurance can be complicated and confusing but we will be with you every step of the way to help explain the various coverages and answer any questions you may have about your new insurance policy. We can also help identify other risks that may exist around your house, as an example, flood risk. If it turns out your house is in a high-risk area for flooding, we can help you find an affordable flood insurance policy.

For additional help, please visit our homeowners insurance blog for helpful articles, tips and customer related questions.

Compare Homeowners Insurance Rates in Loma Linda, CA!

Enter your Zip Code:    

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

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

Servicing Loma Linda, California Home Insurance Quotes & Coverage

The carriers we offer for California homeowners have an "A+" A.M. Best rating and our Loma Linda 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 Loma Linda, 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 Loma Linda, CA insurance coverage that you need. Submit an online home insurance quote today!

Average Rates Nearby Loma Linda

Are you looking for homeowners insurance in a city near Loma Linda? 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 Loma Linda, CA

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

92354,     

Loma Linda, CA Home Insurance Average Premiums

Local Loma Linda, CA home insurance quotes comparison

$698 /yr.

Shows Loma Linda's lowest average rates with discounts applied.

For the city of Loma Linda, 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)		$698 /yr.
Average Coverage:$948 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1248 /yr.

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

  • • The average homeowners insurance premium paid annually for a home in Loma Linda is around $948 per year.

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

  • • Homeowners in Loma Linda pay an average cost per month around $79.00 for insurance coverage.

Loma Linda, CA Coastal Wind, Hail & Flood Information

Loma Linda 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.

Loma Linda, CA - 2023 Housing Information

Month Current Home Value (2023) Last Year Home Value (2022)
January $604,685 $576,106
February $598,181 $583,879
March $593,173 $592,042
April $591,911 $600,424

Homeowners insurance will help cover the cost to repair or replace your Loma Linda 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 Loma Linda
  • 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 Loma Linda, CA homeowners insurance rates all in one place!

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

Saving Money Tips on Loma Linda Home Insurance

A great way to save money on Loma Linda 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 Loma Linda 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
1125 ft. This is the average home elevation in Loma Linda, 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 Loma Linda, 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 Loma Linda, 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 […]

Loma Linda, CA Dwelling Coverage Estimate

It is important to calculate your dwelling coverage for your home in Loma Linda 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 Loma Linda, CA?

- The average square footage in Loma Linda is around 1,149 Sq. Ft. which would cost you around $372,300 to replace the home if you base the home on the price to build per square foot of $324.

Minimum Replacement Cost Total: $372,300

Location: Loma Linda, California (San Bernardino County)

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

Average Square Footage in Loma Linda: 1,149 Sq. Ft.

Home Improvement StatusPrice per Sq. Ft.Dwelling Coverage
None or Very Minor Improvements$324$372,300
Some Additional Upgrades$405$465,375
Major Home Updates or Advancements$486$558,450

The dwelling coverage is calculated by the average cost per square foot ($324) in Loma Linda, 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.