Updated: December 18, 2024
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In Oceanside, California, Allstate is the cheapest choice for home insurance. Travelers is the best choice. If customer service is your priority, however, Chubb is best.
Choosing the best cheap home insurance depends on individual preferences like cost, customer service and specific coverage needs.
Best HomeInsuranceOceanside, CATable of Contents
Why Trust MoneyGeek? We used data from California's Department of Insurance and Quadrant Information Services to find the best homeowners insurance in Oceanside.
Home insurance premiums in Oceanside represent the latest available quotes as of September 2024.
Travelers is the best option for home insurance in Oceanside, California, with a MoneyGeek score of 85 out of 100 for $100,000 dwelling coverage. This score highlights Travelers as the leading choice for this level of coverage in the area.
The scores for home insurance companies in Oceanside, California, range from 48 to 86 using MoneyGeek's scoring system. Insurers might get different scores based on factors like credit history or the age of your home.
| Travelers | 85 | $414 |
| Allstate | 83 | $347 |
| Chubb | 81 | $618 |
| Farmers | 79 | $434 |
| State Farm | 55 | $896 |
| Nationwide | 54 | $892 |
| Capital Insurance Group | 51 | $631 |
Travelers is the best option in Oceanside, California, for $100K dwelling coverage. The two best overall home insurance companies in Oceanside for this coverage are:
Travelers stands out as the best home insurance provider thanks to its balance of affordability and a strong customer satisfaction score, which greatly contributed to its overall MoneyGeek score. While cost is crucial, factors like customer satisfaction and coverage options are important, especially when making claims.
Travelers scores high on affordability and coverage, making it the best overall company. It offers comprehensive home insurance with energy efficiency upgrade coverage. Travelers provides discounts like green home and newly purchased home, helping policyholders save. Homeowners can qualify for the green home discount if their home is certified as a green home.
Travelers offers useful coverages like personal property replacement cost, which helps cover losses without depreciation. The back-up of sewer or drain coverage can help if water backs up in your home. Identity fraud coverage can help cover expenses if your identity is used fraudulently.
Chubb provides the best customer service in home insurance in Oceanside, California, for 100K dwelling coverage. If you're looking for top providers for this coverage amount, consider the following options:
Chubb is the best choice due to its excellent customer service and comprehensive coverage options, which are top factors contributing to its score. Opting for Chubb ensures reliable protection and a good fit for your needs.
Excellent service in home insurance means having quick and helpful customer support whenever you need assistance.
Chubb is the best for service quality, thanks to its high customer satisfaction and coverage scores. It offers comprehensive home insurance with guaranteed replacement cost and building ordinance or law. You can save with discounts like new home and home renovation. A new home discount applies if your home is seven or ten years old or less.
Chubb's guaranteed replacement cost helps rebuild your home even if costs exceed policy limits. Building ordinance or law pays for updates to meet current codes. Cash settlement lets you choose not to rebuild and receive a cash payout instead.
Allstate is the best cheap home insurance company in Oceanside, California, for 100K dwelling coverage. The top two best cheap insurance providers for $100K dwelling coverage are:
Allstate stands out for its high affordability score, which contributes to its top MoneyGeek score. Cheap home insurance often means lower coverage, which can save money but might not be enough if something happens.
In instances where saving on premiums is a priority, considering the cheapest homeowner insurance companies might be beneficial. Remember, best cheap options provide a balance between price and coverage, not just the lowest cost.
Allstate is the best cheap company with high MoneyGeek scores in affordability and satisfaction. You can save with discounts like bundle and responsible payment. Bundle lets you save up to 25% when you combine home and auto policies.
Allstate provides useful coverages like home business property, which increases limits for business items at home. Cyber event/ID theft covers costs if your identity is stolen. Back-up of sewer or drain covers water damage from drain issues.
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 21, 2024
Many factors affect homeowners insurance in Oceanside, with location being one. Comparing rates is the best way to save. However, it can take up to 15 minutes per company. You will need to check three or more, which can mean over an hour of research.
MoneyGeek's home insurance calculator helps you save instantly by focusing on important factors. Just enter your age, dwelling coverage, credit score, deductible, liability coverage and a few more details to get a rate estimate.
Allstate is the top choice for budget-friendly home insurance in Oceanside, California. The main element influencing home insurance costs is the dwelling coverage you select.
Allstate stands out in Oceanside, California, for its low annual premium, paired with a top score of 91. In the $250K category, Allstate remains the budget option but is not the best overall, scoring slightly lower. At $500K, Allstate continues to offer competitive rates without leading in other categories. Opting for the cheapest homeowners insurance in California aids in effective financial management.
| Allstate | $347 |
| Travelers | $414 |
| Farmers | $434 |
| Chubb | $618 |
| Capital Insurance Group | $631 |
| Nationwide | $892 |
| State Farm | $896 |
Allstate is the best option for high-value home insurance in Oceanside, California. High dwelling coverage of $750K is necessary for homes that are costly to replace, and home insurance costs often rise with coverage levels.
Allstate offers the lowest cost for high-value homes in Oceanside, making it an appealing option for residents. Although Allstate might be the cheapest, it also ranks high for overall satisfaction and service quality.
| Allstate | $1,814 |
| Travelers | $2,332 |
| Capital Insurance Group | $2,643 |
| Chubb | $3,504 |
| State Farm | $4,358 |
| Farmers | $4,373 |
| Nationwide | $4,560 |
Farmers is the best option for new homes offering home insurance in Oceanside, California.
Farmers stands out as the cheapest for homeowners insurance in Oceanside due to its low cost for $100K dwelling coverage, though it may not be the best overall. Travelers is the best for higher dwelling coverage.
| Farmers | $205 |
| Travelers | $213 |
| Allstate | $256 |
| Nationwide | $363 |
| Capital Insurance Group | $410 |
| State Farm | $448 |
| Chubb | $504 |
The best cheap homeowners insurance providers balance quality and cost, offering great customer service and coverage with affordable premiums. The best cheap homeowners insurance in Oceanside depends on your needs. Consider factors beyond premiums, such as coverage options and customer service.
Understand the insurance requirements specific to Oceanside, California. Consider the rebuilding costs, personal property value and liability needs to determine how much home insurance coverage you need.
Look into insurance companies operating in Oceanside. Focus on those with solid financial health, positive customer feedback and a history of reliable service.
After identifying necessary coverages, compare home insurance quotes. In Oceanside, California, premiums for $100K dwelling coverage range from $347 with Travelers to $892 with Nationwide.
Inquire about potential discounts such as those for bundling policies, adding safety features or having a claim-free history.
Opting for a higher home insurance deductible can lower your premium. Ensure the deductible is manageable in case of a claim.
Enhancing security with systems and sturdy locks can minimize risks and possibly reduce insurance premiums.
A strong credit score can influence your insurance rates in Oceanside, California. Pay bills promptly and minimize outstanding debts.
Consider combining your homeowners insurance with other policies like auto insurance to achieve discounts and savings.
Finding the best cheap home insurance provider depends on your coverage needs and budget. Get answers to some of the most common questions about the best cheap insurance rates in Oceanside, California.
The average cost of home insurance in Oceanside, California, is $472 annually.
The cheapest home insurance company in Oceanside, California, is Allstate, with an annual premium of $347.
The best home insurance in California for Oceanside residents is provided by Travelers, with a MoneyGeek score of 85 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.
