Updated: November 26, 2024
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In West Covina, CA, Farmers is both the overall best and cheapest choice for home insurance. If customer service is your priority, however, Chubb is the best. These companies cater to different needs, so we recommend choosing a provider based on what is important to you.
Consider cost, service, coverage and other factors when selecting a home insurance provider.
Best HomeInsuranceWest Covina, 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 West Covina. Our choices are based on solid data.
Home insurance premiums in West Covina represent the most competitive rates as of September 2024.
MoneyGeek found that Travelers is the best option in West Covina, CA, for home insurance with $100K dwelling coverage, earning a MoneyGeek score of 85 out of 100.
The scores for home insurance companies in West Covina range from 44 to 85, reflecting MoneyGeek's scoring system. Insurers may receive different scores based on factors like your credit history and the age of your home.
| Farmers | 85 | $359 |
| Allstate | 83 | $365 |
| Travelers | 80 | $533 |
| Chubb | 62 | $1,036 |
| State Farm | 62 | $911 |
| Nationwide | 59 | $931 |
| Capital Insurance Group | 44 | $834 |
MoneyGeek found that Farmers is the best option for $100K dwelling coverage in West Covina, CA. The two best overall home insurance companies in the city for the same dwelling coverage are:
Farmers is the best home insurance provider because it offers affordability and customer satisfaction, which are the major contributors to its high MoneyGeek score.
West Covina has various companies with different costs and service qualities. While price is important, considering factors like customer service and coverage options is also essential when searching for the best home insurance for you, especially when filing a claim.
Farmers scores high in affordability and satisfaction, making it the best overall company. It offers comprehensive home insurance with back-up of sewer or drain and matching siding coverages. Discounts like non-smoker and affinity help policyholders save or qualify for lower premiums.
Farmers provides other coverages like guaranteed replacement cost, which helps cover extra repair costs if construction prices rise, scheduled personal property to protect your belongings if damaged and cyber event/ID theft to reimburse expenses for identity restoration.
MoneyGeek found that Chubb offers the best customer service in home insurance in West Covina, CA, for $100K dwelling coverage. Below are the top two providers for this coverage level:
Chubb ranks highest because of its excellent customer satisfaction. While it may have a higher premium than others, the focus on service makes it stand out. Excellent service in home insurance means quick responses, clear communication and efficient claims processing.
Chubb is the best for service quality, receiving high customer satisfaction and coverage scores. You can save with discounts, like new home and home renovation, including a discount if your home is 10 years old or less.
Chubb offers useful coverages like guaranteed replacement cost, which helps rebuild your home even if costs exceed your policy limit, and building ordinance or law, which pays for updates to meet current codes. Cash settlement lets you choose not to rebuild and receive a cash payout instead.
MoneyGeek found that Farmers is the best cheap home insurance option for $100K dwelling coverage in West Covina, CA. The top two best and cheapest homeowner insurance companies for $100K dwelling coverage are:
Farmers also scored high in customer satisfaction, contributing to its top ranking.
However, choosing cheap home insurance could mean opting for lower coverage. While saving money is beneficial, ensure that the coverage is sufficient in case of an accident. In cases where saving on premiums is key, consider the cheapest companies or learn the average cost of homeowners insurance in California. The best cheap home insurance often balances affordability and quality better than just the most affordable option.
Farmers is the best cheap company, getting high scores in affordability and satisfaction. It offers useful coverages like back-up of sewer or drain, which covers repair costs if water backs up into your home, and matching siding coverage that helps make repairs match the look of the rest of your home.
You can also save with its discounts, like a non-smoker discount, if no one in your home has smoked in two years.
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
Many factors influence homeowners insurance in West Covina, including location. Comparing rates is the best way to save, but it can be time-consuming — up to 15 minutes per company and more than an hour for three or more. MoneyGeek's home insurance calculator helps you save instantly by focusing on key factors. Enter your age, dwelling coverage, credit score, deductible, liability and more to get an estimate.
Farmers offers the best home insurance in West Covina, CA. A major factor affecting home insurance premiums in West Covina and California is the dwelling coverage you choose.
Farmers is the cheapest for $100K dwelling coverage, scoring 91. Allstate also ranks best for $250K coverage based on value, maintaining a competitive price and a notable score of 91. Similarly, for $500K coverage, Allstate balances cost and a score of 91. Choosing the cheapest homeowners insurance in California is a smart way to manage your finances.
| Farmers | $359 |
| Allstate | $365 |
| Travelers | $533 |
| Capital Insurance Group | $834 |
| State Farm | $911 |
| Nationwide | $931 |
| Chubb | $1,036 |
Allstate is the cheapest company for high-value homes in West Covina, CA. High dwelling coverage is needed for homes that cost more to replace, and home insurance costs rise with coverage.
Allstate is the top pick based on the combination of its low cost and service offerings and for having the most affordable homeowners insurance in West Covina.
| Allstate | $1,953 |
| Travelers | $2,677 |
| Capital Insurance Group | $3,493 |
| Farmers | $4,221 |
| State Farm | $4,429 |
| Nationwide | $4,770 |
| Chubb | $6,379 |
The cheapest option for new home insurance in West Covina, CA, for a $100K dwelling coverage is Farmers.
Farmers is the least expensive choice in West Covina due to its low annual premium. This means you can save on home insurance without compromising on coverage. However, remember that affordable insurance may not necessarily equate to the best. Besides cost, ensure you have enough coverage for your needs.
| Farmers | $171 |
| Allstate | $270 |
| Travelers | $298 |
| Nationwide | $377 |
| State Farm | $455 |
| Capital Insurance Group | $541 |
| Chubb | $822 |
Affordable homeowners insurance providers balance quality and cost, offering great customer service and coverage with affordable premiums. The best cheap homeowners insurance in West Covina depends on your needs. Follow these steps to get the best cheap home insurance:
To determine how much home insurance coverage you need, consider the specifics of your home in West Covina. Think about rebuilding costs, personal property value and liability requirements.
Look into insurance companies available in West Covina. Focus on those with strong financial stability, positive customer reviews and a history of quality service.
Once you know your coverage needs, compare home insurance quotes. In West Covina, premiums for $100K dwelling coverage range from $359 with Farmers to $1,036 with Chubb.
Inquire about potential discounts from each provider. You might save by 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 manage if needed.
Enhancing home security with systems and sturdy locks can lower your risk profile and reduce insurance costs.
Keeping a good credit score can influence your insurance rates in West Covina. Pay bills on time and manage debt responsibly.
Consider combining your homeowners insurance with other policies, such as auto insurance. This can lead to valuable discounts and savings.
The best cheap home insurance provider in West Covina depends on your coverage needs and budget. Get answers to some of the most commonly asked questions about the best cheap insurance rates in West Covina, CA.
The average cost of home insurance in West Covina is $563 annually.
The cheapest home insurance company in West Covina is Farmers, with an annual premium of $359.
The best home insurance in California for West Covina residents is from Farmers, 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.
