Updated: November 29, 2024
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In Fullerton, California, Allstate is both the overall best and cheapest choice for home insurance. If customer service is your priority, Chubb is the best.
These companies cater to different needs, so choose based on what's important to you, such as cost, service or coverage. Factors include location, property type and coverage options.
Best HomeInsuranceFullerton, CATable of Contents
Why Trust MoneyGeek? We used data and rates from the California Department of Insurance and Quadrant Information Services to select the top homeowners insurance options in Fullerton.
Home insurance premiums in Fullerton represent the latest available quotes as of September 2024.
MoneyGeek found that Allstate is the best option in Fullerton, California, for home insurance with 100K dwelling coverage, with a MoneyGeek score of 83 out of 100.
The scores for home insurance companies in Fullerton, California, range from 50 to 83. These figures reflect MoneyGeek's scoring system, and insurers may receive different scores based on your credit history and the age of your home.
| Allstate | 83 | $321 |
| Travelers | 81 | $457 |
| Farmers | 76 | $454 |
| State Farm | 64 | $755 |
| Chubb | 62 | $892 |
| Nationwide | 54 | $889 |
| Capital Insurance Group | 50 | $632 |
MoneyGeek found that Allstate is the best option in Fullerton, California, for 100K dwelling coverage. The two best overall home insurance companies in Fullerton for $100K dwelling coverage are:
Allstate is the best home insurance due to its affordability and customer satisfaction, reflected in its high MoneyGeek score. In Fullerton, California, various companies offer different costs and service experiences. Although cost is a crucial factor, it's also essential to consider factors like customer service and claims handling, which can be crucial when you need to make claims.
Allstate is the best overall company, with high scores in affordability and satisfaction. It offers comprehensive home insurance coverage, including cyber event/ID theft and back-up of sewer or drain. You can save with discounts like responsible payment and early payment. Paying on time can qualify you for these savings.
Allstate's cyber event/ID theft helps if your identity is stolen. Back-up of sewer or drain covers water damage from broken drains. Home business property increases limits for business items at home. These coverages are helpful in protecting your home and belongings.
MoneyGeek found that Chubb offers the best customer service in home insurance in Fullerton, California, especially for a $100K dwelling coverage. The top two providers for this coverage are:
Chubb is the best largely due to its high customer satisfaction, which is a crucial part of its MoneyGeek score. Picking this provider means you get hassle-free service that meets your needs.
High-quality service in home insurance includes quick and helpful support when you need it most.
Chubb scores high on MoneyGeek due to its customer satisfaction and coverage. It offers comprehensive protection with guaranteed replacement cost and building ordinance or law coverages. You can save with discounts like new home and home renovation. For new home discount, your house should be 10 years old or less.
Chubb's guaranteed replacement cost helps rebuild your home even if costs exceed limits. Building ordinance or law pays to update your home to current codes. Cash settlement lets you choose not to rebuild and get cash instead. These coverages provide flexibility and security for homeowners.
MoneyGeek found that Allstate is the best cheap home insurance option in Fullerton, California, for $100K dwelling coverage. The top two best cheap insurance providers for $100K dwelling coverage are:
When considering the average cost of homeowners insurance in California, Allstate stands out primarily due to its affordability and satisfactory customer service, which contribute significantly to its high MoneyGeek score. Opting for cheap home insurance typically means choosing lower coverage, which may save money but might not be enough when accidents happen. In cases where premium savings are crucial, exploring the cheapest homeowner insurance companies might be helpful.
The difference between the best cheap and the cheapest insurance primarily lies in overall value, not just price. Allstate manages to balance cost and service.
Allstate is the best cheap company, with high scores in affordability and satisfaction. It offers cyber event/ID theft and back-up of sewer or drain as add-ons, providing comprehensive home insurance coverage. You can save with discounts like bundle and responsible payment. Bundle your home and auto policies or maintain a good payment history to qualify.
Allstate's cyber event/ID theft coverage protects against identity theft, while back-up of sewer or drain covers water damage from drains. Home business property increases limits for business items at home.
MoneyGeek’s home insurance calculator will give you a ballpark estimate of your cost — it’s free, no personal information required, no spam.
Rates updated:
Dec 24, 2024
In Fullerton, location impacts homeowners insurance, among other factors. Comparing rates can help you save, but it may take over an hour since it takes about 15 minutes per company, and you should compare at least three. Use MoneyGeek's home insurance calculator to estimate costs quickly by entering your age, dwelling coverage, credit score, deductible, liability coverage and more.
MoneyGeek found that Allstate is the best option in Fullerton, California, offering home insurance with the cheapest rate and highest score. The key factor influencing your home insurance cost is the dwelling coverage you select.
Allstate is the cheapest choice in Fullerton, California, for 100K coverage, thanks to its mix of affordability and the highest score. Allstate consistently ranks highest and most affordably for $250,000 coverage. For $500,000 coverage, the company's balance of cost and high score remains unmatched.
Buying the cheapest homeowners insurance in California helps keep your finances in check.
| Allstate | $321 |
| Farmers | $454 |
| Travelers | $457 |
| Capital Insurance Group | $632 |
| State Farm | $755 |
| Nationwide | $889 |
| Chubb | $892 |
Allstate is the cheapest option for home insurance for high-value homes in Fullerton, California. High dwelling coverage is needed for homes that cost more to replace, and home insurance costs go up with coverage needs.
Allstate stands out in Fullerton, California, for its competitive rates for high-value homes. According to MoneyGeek, although Allstate is the cheapest, its affordability does not necessarily make it the top-rated option overall.
| Allstate | $1,626 |
| Travelers | $2,402 |
| Capital Insurance Group | $2,649 |
| Farmers | $3,312 |
| State Farm | $3,678 |
| Nationwide | $4,545 |
| Chubb | $5,370 |
Farmers offers the cheapest home insurance for new homes in Fullerton, California.
Farmers is the least expensive home insurance choice in Fullerton, making it an attractive option for new-home buyers. However, while it is the cheapest, it may not always be rated as the best.
It's important to ensure you are adequately covered according to your needs.
| Farmers | $215 |
| Travelers | $238 |
| Allstate | $246 |
| Nationwide | $362 |
| State Farm | $377 |
| Capital Insurance Group | $411 |
| Chubb | $713 |
The best cheap homeowners insurance providers balance quality and cost, offering great customer service and coverage with affordable premiums.
In Fullerton, the best cheap homeowners insurance depends on your needs. Although premium cost is important, other factors like coverage options, deductibles and insurer reputation also matter. Follow these steps to get the best cheap home insurance.
To figure out how much home insurance you need, consider the specifics of your home. Take into account the rebuilding costs, the value of your personal property and your liability needs.
Research insurance companies serving Fullerton. Look for those with strong financial stability, good customer reviews and a track record of quality service.
Once you know what coverages you need, compare home insurance quotes. For a dwelling coverage of $100K in Fullerton, California, premiums can vary from as low as $321 to as high as $892 annually.
Question each provider about discounts you may be eligible for, such as those for bundling policies, installing safety features or being claims-free.
Choosing a higher home insurance deductible can lower your premium, but ensure it's an amount you can afford to pay in case of a claim.
Installing security systems and robust locks can reduce your home's risk profile and potentially lower insurance costs.
In Fullerton, California, maintaining a strong credit score can influence the premium rates offered, as insurers often consider credit when assessing risk.
Combining your homeowners policy with auto or other insurance types from the same provider may unlock savings through bundled discounts.
Choosing the best cheap home insurance provider in Fullerton depends on your coverage needs and budget. Get answers to common questions about the best cheap insurance rates in Fullerton, California.
The average cost of home insurance in Fullerton, California, is $496.
Allstate offers the cheapest home insurance in Fullerton, California, with an annual premium of $321.
The best home insurance in California for Fullerton residents is provided by Allstate, with a MoneyGeek score of 83 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.
