Updated: December 2, 2024
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In Visalia, CA, Allstate is both the overall best and cheapest choice for home insurance. If customer service is your priority, however, Chubb is best.
Choosing the best inexpensive home insurance depends on what you value, such as costs or how a company helps when you have questions or problems.
Best HomeInsuranceVisalia, CATable of Contents
Why Trust MoneyGeek? We used data from California's Department of Insurance and Quadrant Information Services to find the top homeowners insurance in Visalia, backing our picks with data and standards.
In Visalia, the rates for home insurance represent the most competitive quotes available as of September 2024.
MoneyGeek found that Allstate is the best option in Visalia, CA, for $100K dwelling coverage, with a MoneyGeek score of 83 out of 100.
The scores for home insurance companies in Visalia range from 44 to 84. These figures are based on MoneyGeek's scoring system, and insurers may have different scores depending on your credit history and the age of your home.
| Allstate | 83 | $317 |
| Travelers | 82 | $416 |
| Farmers | 81 | $360 |
| Chubb | 73 | $633 |
| State Farm | 56 | $756 |
| Nationwide | 54 | $766 |
| Capital Insurance Group | 44 | $629 |
MoneyGeek found that Allstate is the best option in Visalia, CA, for $100K dwelling coverage. The two best overall home insurance companies in Visalia for $100K dwelling coverage are:
Allstate is recognized as the best home insurance provider due to its strong affordability and customer satisfaction scores.
Visalia, CA, homeowners have a choice among various companies, each offering different costs and service experiences. While affordability is key, other factors — such as customer support and coverage options — are important, especially when filing a claim.
Allstate scores high in affordability and satisfaction. It offers comprehensive coverage with options like cyber event/ID theft and back-up of sewer or drain. You can save money with discounts like bundle and responsible payment. For example, you can save up to 25% by bundling home and auto policies.
Allstate provides useful coverages like home business property, which increases limits for business items at home. The energy efficiency upgrade helps replace damaged items with energy-efficient ones. Yard and garden coverage increases limits for landscaping costs.
MoneyGeek found that Chubb offers the best customer service in home insurance in Visalia, CA, for $100K dwelling coverage. Here are the top two providers for this coverage:
Chubb stands out due to its excellent customer satisfaction score. They excel in offering comprehensive coverage options that meet your needs. Excellent service in home insurance ensures that your claims are handled efficiently and with care.
Chubb is the best for service quality, with high scores in satisfaction and coverage. You can save with discounts on new homes and home renovations. For example, you get a discount if your home was renovated within the last six years.
Chubb provides useful coverages like guaranteed replacement cost, which helps rebuild your home even if costs exceed your policy limit. Building ordinance or law coverage pays for updates to meet current codes. Cash settlement allows you to receive a payout if you choose not to rebuild after a total loss.
MoneyGeek found that Allstate is the best cheap home insurance company in Visalia, CA, for $100K dwelling coverage. The top two best cheap insurance providers for $100K dwelling coverage are:
Allstate stands out due to its high scores in affordability and customer satisfaction. Choosing cheap home insurance often means selecting lower coverage levels. This can be good for saving money but may leave you underinsured if bad things happen. In cases where saving on premiums is important, considering the cheapest homeowner insurance companies may be helpful.
What sets the best cheap home insurance apart from the cheapest is its value for money, balancing cost with the coverage that meets a homeowner's needs without being expensive.
Allstate is the best cheap company with high scores in affordability and satisfaction. You can save with discounts like responsible payment, which rewards good payment history, and early payment, which saves you money when you sign up early.
It offers comprehensive home insurance with cyber event/ID theft, which helps if your identity is stolen, and back-up of sewer or drain coverages, which covers water damage from broken drains. Yard and garden increases limits for landscaping costs.
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
Various factors, including location, influence home insurance prices. Comparing rates is key to finding savings, but it often takes a considerable amount of time. Each company requires at least 15 minutes to review. If you check three or more companies, that could mean over an hour spent. MoneyGeek's home insurance calculator can streamline this process, focusing on the main factors that shape premiums in Visalia. Simply input details like age, dwelling coverage, credit score and deductible to promptly receive a rate estimate.
Allstate stands out in Visalia, CA, as the most cost-effective option for homeowners insurance. The following companies offer the lowest annual premiums in their respective dwelling coverage categories:
Allstate is the cheapest in Visalia, CA, due to its low premiums and it also scores well. Allstate is also the most affordable for 250K and 500K dwelling coverage, making it a great choice at different coverage levels. Choosing the right amount of dwelling coverage is essential as it significantly affects the insurance premium.
Securing the cheapest homeowners insurance in California can be a smart strategy to handle personal finances better.
| Allstate | $317 |
| Farmers | $360 |
| Travelers | $416 |
| Capital Insurance Group | $629 |
| Chubb | $633 |
| State Farm | $756 |
| Nationwide | $766 |
Allstate is the best option for high-value home insurance in Visalia, CA. High dwelling coverage is essential for homes that cost more to replace, meaning home insurance costs rise accordingly.
Allstate emerges as the cheapest homeowners insurance in Visalia due to its competitive annual premium for high-value homes. While cost is essential, the insurer also receives a high rating from MoneyGeek, suggesting that being the least expensive doesn't mean compromising quality.
| Allstate | $1,581 |
| Travelers | $2,009 |
| Capital Insurance Group | $2,635 |
| Chubb | $3,613 |
| State Farm | $3,682 |
| Farmers | $3,748 |
| Nationwide | $3,879 |
Farmers is the lowest-cost provider in Visalia, CA, for home insurance on new homes with a $100K dwelling coverage.
Farmers attracts homeowners in Visalia because of its low cost, despite not being rated the best overall choice compared to others like Travelers. However, having the lowest rates may not equal the best service quality. When securing home insurance, ensuring adequate coverage for your property is essential.
| Farmers | $172 |
| Travelers | $228 |
| Allstate | $247 |
| Nationwide | $317 |
| State Farm | $378 |
| Capital Insurance Group | $409 |
| Chubb | $516 |
Securing the best cheap homeowners insurance is about finding a provider that delivers excellent customer service and comprehensive coverage at an affordable rate. Providers that achieve this balance offer peace of mind without breaking the bank, ensuring you are well protected from various risks to your home.
To guide you through the process, we outlined key factors to consider when seeking the best and most affordable homeowners insurance for your home.
To determine how much home insurance coverage you need, consider factors specific to your home in Visalia, CA. Think about rebuilding costs, personal property value and liability requirements.
Research insurance companies available in Visalia, CA. Look for those with solid financial stability, positive customer reviews and a history of quality service.
Once you know what coverages you need, compare home insurance quotes. In Visalia, CA, premiums for $100K dwelling coverage vary from $317 with Allstate to $756 with State Farm annually.
Inquire with each provider about discounts you might qualify for, such as those for bundling policies, installing safety features or maintaining a claims-free history.
Opting for a higher home insurance deductible can reduce your premium. Ensure it's an amount you can afford if you need to file a claim.
Enhancing home security with systems and strong locks can lower your home's risk profile and potentially decrease insurance costs.
Keep a good credit score, as it can affect your insurance rates in Visalia, CA. Pay bills on time and reduce outstanding debt.
Consider bundling your homeowners insurance with other policies like auto insurance. This can result in significant discounts and savings.
The best cheap home insurance provider for you in Visalia ultimately depends on how much coverage you need and how much you can spend. Get answers to some of the most commonly asked questions about the best cheap insurance rates in Visalia, California.
The average cost of home insurance in Visalia, California, is $437.
The cheapest home insurance company in Visalia, California, is Allstate with an annual premium of $317.
The best home insurance in California for Visalia 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.
