In El Monte, California, Farmers is the overall best choice for home insurance. For those focusing on cost, Allstate is the cheapest option. If customer service is key, Chubb offers the best experience. These companies cater to different needs. The best cheap home insurance depends on factors like price, coverage options, and customer service. Choose based on what matters to you.
Best and Cheapest Home Insurance in El Monte, CA (2024)
Updated: December 18, 2024
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Best HomeInsuranceEl Monte, CATable of Contents
Best Overall - Farmers
Best for Service - Chubb
Best Cheap - Allstate
Cheapest Overall - Allstate
Cheapest for High-Value Homes - Allstate
Cheapest for New Homes - Farmers
Why Trust MoneyGeek? We use data from California's Department of Insurance and Quadrant Information Services to find the top homeowners insurance in El Monte.
Home insurance premiums in El Monte represent the latest available quotes as of September 2024.
2,730,240Quotes Analyzed
8Companies Compared
Overview: Best Home Insurance Companies in El Monte, CA
Farmers is the best option in El Monte, California, for home insurance with 100K dwelling coverage, earning a MoneyGeek score of 84 out of 100.
The scores for home insurance companies in El Monte, California, range from 39 to 84 using MoneyGeek's system. Insurers may get different scores based on factors like credit history or the age of your home.
Data filtered by:Results filtered by:
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Category:Best Overall
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Coverages:1 - $100K Dwelling
| Farmers | 84 | $308 |
| Allstate | 83 | $293 |
| Travelers | 78 | $493 |
| Chubb | 74 | $720 |
| State Farm | 64 | $775 |
| Nationwide | 54 | $931 |
| Capital Insurance Group | 39 | $834 |
Overall Best Home Insurance in El Monte, CA
Farmers is the best option in El Monte, California, for $100K dwelling coverage. The two best overall home insurance companies in El Monte for $100K dwelling coverage are:
- Farmers: MoneyGeek score of 84 out of 100 ($308 per year)
- Allstate: MoneyGeek score of 83 out of 100 ($293 per year)
The best home insurance provider is Farmers because it excels in customer satisfaction and affordable rates, contributing significantly to its MoneyGeek score. In El Monte, there are various companies offering different costs and service experiences. While cost is crucial, consider factors like customer satisfaction and coverage options for when making claims.
Best OverallFarmers
MoneyGeek Score:
84/ of 100
Overview
Farmers scores high on affordability and satisfaction, making it a top choice. It offers matching siding coverage and waiver of deductible for glass, providing comprehensive home insurance. Discounts like non-smoker and affinity can help you save. If no one in your home has smoked in two years, you may qualify for the non-smoker discount.
Farmers offers coverages like guaranteed replacement cost, which helps if repair costs exceed policy limits. Back-up of sewer or drain can cover repairs from water damage due to backups. Cyber event/ID theft coverage reimburses costs for identity restoration, making it valuable for homeowners.
Best Home Insurance for Customer Service in El Monte, CA
Chubb is the best option for home insurance with 100K dwelling coverage in El Monte, California. This company stands out because of its excellent customer service. If you are considering home insurance in this area, explore the top two recommended providers:
- Chubb: MoneyGeek score of 96 out of 100 ($720 per year)
- Nationwide: MoneyGeek score of 81 out of 100 ($931 per year)
Chubb is the best due to its high customer satisfaction and coverage. It values their customers and provide comprehensive protection. Choosing Chubb means reliable and friendly customer service with the right coverage for your needs.
Excellent service in home insurance means making customers feel secure and well-protected at all times.
Best for Service QualityChubb
MoneyGeek Score:
96/ of 100
Overview
Chubb is the best for service quality, with high scores in customer satisfaction. Chubb provides discounts like new home, which you can get if your home is less than 10 years old.
Chubb's coverages like guaranteed replacement cost help rebuild your home even if costs exceed limits. Building ordinance or law pays for updates to meet current codes. Cash settlement lets you choose not to rebuild after a total loss.
Best Cheap Home Insurance in El Monte, CA
Allstate is the best cheap home insurance option in El Monte, California, for 100K dwelling coverage. The top two best cheap insurance providers for $100K dwelling coverage are:
- Allstate: MoneyGeek score of 91 out of 100 ($293 per year)
- Farmers: MoneyGeek score of 89 out of 100 ($308 per year)
Allstate stands out due to its high score in customer satisfaction, making it a strong option for those seeking quality service. However, choosing cheap home insurance often means opting for lower coverage. While this can save money, it might not be enough if an accident occurs. In instances where saving on premiums is a priority, considering the cheapest homeowner insurance companies may be beneficial.
The best cheap home insurance provides a good balance of cost and coverage, unlike the cheapest home insurance, which prioritizes the lowest cost.
Best CheapAllstate
MoneyGeek Score:
91/ of 100
Overview
Allstate is the best cheap company, scoring high in affordability and customer satisfaction. You can save with discounts like responsible payment, which rewards timely payments.
Allstate's coverages are valuable for homeowners. Cyber event/ID theft helps if your identity is stolen. Back-up of sewer or drain covers water damage from drains or sump pumps. Energy efficiency upgrade helps replace items with energy-efficient ones.
Estimate Your El Monte Home Insurance Costs Online
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Rates updated:
Dec 24, 2024
In El Monte, many factors affect homeowners insurance, like location. To save on insurance, compare rates from at least three companies. This can take over an hour because each company might require 15 minutes. MoneyGeek's home insurance calculator saves time by focusing on key factors. Enter your age, dwelling coverage, credit score, deductible, liability and more for an instant estimate.
Cheapest Home Insurance in El Monte, CA
MoneyGeek found that Allstate is the best option in El Monte, California, for affordable home insurance. The main element affecting insurance premiums is the dwelling coverage chosen. Here are the cheapest options by coverage:
- For 100K Dwelling Coverage: Allstate: $293 per year
- For 250K Dwelling Coverage: Allstate: $547 per year
- For 500K Dwelling Coverage: Allstate: $961 per year
Allstate stands out as the cheapest for 100K coverage in El Monte, California, partly due to its low cost and high score of 91. Its strong pricing also makes it top for 250K and 500K coverages. Finding the cheapest homeowners insurance in California can aid in better financial management by lowering monthly expenses.
Data filtered by:Results filtered by:
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Coverages:$100K Dwelling
| Allstate | $293 |
| Farmers | $308 |
| Travelers | $493 |
| Chubb | $720 |
| State Farm | $775 |
| Capital Insurance Group | $834 |
| Nationwide | $931 |
Cheapest Home Insurance for High-Value Homes in El Monte, CA
Allstate is the best option in El Monte, CA for high value homes, with the cheapest dwelling coverage for $750,000. High dwelling coverage is necessary for homes that are costly to replace, and home insurance costs rise accordingly.
- Cheapest for $750K Dwelling Coverage: Allstate: $1,391 per year
- Cheapest for $1M Dwelling Coverage: Allstate: $1,833 per year
Allstate stands out in El Monte, CA because of its lower premiums. Although its score may not be the highest, the affordability remains attractive for residents seeking cost-effective options.
Data filtered by:Results filtered by:
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Coverages:1 - 750K dwelling
| Allstate | $1,391 |
| Travelers | $2,561 |
| Capital Insurance Group | $3,493 |
| Farmers | $3,543 |
| State Farm | $3,775 |
| Chubb | $4,205 |
| Nationwide | $4,770 |
Cheapest Home Insurance for New Homes in El Monte, CA
Farmers offers the cheapest annual premium for new homes in El Monte, California.
- Cheapest for $100K Dwelling Coverage: Farmers: $147 per year
- Cheapest for $250K Dwelling Coverage: Allstate: $397 per year
- Cheapest for $500K Dwelling Coverage: Allstate: $653 per year
Farmers stands out in El Monte for its affordable price of $147 annually, making it a budget-friendly choice for new homeowners. Interestingly, despite its cost advantage, it may not always be the foremost choice in other qualitative aspects. Balance between cost and the quality of coverage offered by different providers.
Data filtered by:Results filtered by:
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Coverages:1 - $100K Dwelling
| Farmers | $147 |
| Allstate | $237 |
| Travelers | $256 |
| Nationwide | $377 |
| State Farm | $387 |
| Capital Insurance Group | $541 |
| Chubb | $580 |
How to Find the Best Home Insurance for You in El Monte, CA
The best cheap homeowners insurance providers offer a balance between quality and cost, delivering excellent customer service and coverage with affordable premiums.
The best cheap homeowners insurance in El Monte depends on your needs, so considering factors beyond premiums is crucial. Factors include coverage options, customer service and financial stability.
- 1
Evaluate Your Insurance Needs
To determine how much home insurance coverage you need, consider the specifics of your home in El Monte, CA. Think about rebuilding costs, the value of your belongings and your liability requirements.
- 2
Compare Different Providers
Look into insurance companies operating in El Monte, CA. Focus on those with strong financial health, positive customer reviews and a history of reliable service.
- 3
Compare Coverage and Costs
Once you know your coverage needs, compare home insurance quotes. In El Monte, CA, for $100K dwelling coverage, premiums range from $293 to $834 annually.
- 4
Ask About Discounts
Inquire with providers about potential discounts you might qualify for, such as those for bundling policies, adding safety features or maintaining a claims-free record.
- 5
Increase Your Deductible
Opting for a higher home insurance deductible can reduce your premium. Ensure it's an amount you can manage if a claim arises.
- 6
Improve Home Security
Enhancing security with systems and strong locks can lower your home's risk profile and potentially decrease insurance costs.
- 7
Maintain Good Credit
A good credit score can impact your insurance rates in El Monte, CA. Pay bills promptly and minimize outstanding debt.
- 8
Bundle Policies
Consider combining your homeowners insurance with other policies, like auto insurance, to gain substantial discounts and savings.
FAQ: Best Cheap Home Insurance in El Monte, CA
The best cheap home insurance provider for you depends on your coverage needs and budget. Get answers to common questions about the best cheap insurance rates in El Monte, California.
How much is home insurance in El Monte, California, on average?
Home insurance in El Monte, California, costs an average of $490 annually.
What is the cheapest home insurance company in El Monte, California?
The cheapest home insurance company in El Monte, California, is Allstate, with an annual premium of $293.
What is the best home insurance company in El Monte, California?
The best home insurance in California for El Monte residents is provided by Farmers, with a MoneyGeek score of 84 out of 100.
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.