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Lake County, CA Homeowners Insurance Quotes

If you shopping for home insurance for your property located in Lake County CA, we have great coverage options available at GetHomeInsuranceQuotes.com. We offer up to 12 comparison quotes from the most competitive top-rated home insurance companies available in Lake County. Our California agents have over 20+ years of experience and are ready to help you compare and review the most affordable homeowners policies available, including enhanced coverage options and discouts. Protecting your home in Lake County from hurricanes, lightning and fires is important to every homeowner. But that's not all your homeowners policy should be limited to so ask our agents which carrier and coverage option is best for you.

You might like to know that the average home insurance rate for the state of California is $1241 a year. That's $103.42 a month in homeowners insurance cost. We can certainly help you save up to 40% or more by applying all the available discounts and credits, plus shopping your coverage with up to 12 different home insurance providers that currently have competitive rates in Lake County CA. Simply give us a call now at 1-855-976-2656

For all Lake County, CA residents, you can select your city below to review more information about homeowners insurance in your local area. Information includes city demographics, facts and average premium rates for homeowners on an annual and montly basis. If you are searching for insurance rates nearby then click your city below.


Are you looking for a homeowners insurance quote in Lake County? Simply enter your zip code to get your California homeowners insurance quotes and receive up to 12 competitive quotes and coverage options in your area.

Lake County, CA Housing Demographics

With 64,665 residents living within the Lake County area there are over 35,492 homeowners looking for more affordable home insurance rates. Your homeowners policy is written to help protect your home and family. With an estimated 16,255 families living within the local area, it is safe to say that great coverage at an affordable price is most desired amongst every homeowner living in Lake County.

DemographicValues
Total Occupied Households26,548
Family Households (families)16,255
Average Owner Occupied Household Size2
Average Family Size3
Total Housing Units35,492

Lake County, CA Home Insurance Average Premiums

Local Lake, CA homeowners insurance quotes comparison

$984 /yr.

California's Average Home Insurance Rates Overall

For the state of California, homeowners insurance premiums have changed based on a variety of different factors related to risk and is currently ranked 24 in the nation for highest premiums in the U.S.

Average RatingAnnual Premium
Minimum Range:$835 /yr.
Current Average Cost:$984 /yr.
Maximum Range:$1241 /yr.

California Homeowners Insurance News & Information

  • Largest Insurer in California – Travelers Announces Home Insurance Rates Going Up 15% Posted on Monday 20th May, 2024

    Travelers Insurance, which is one of the largest insurers in California, recently announced that they will be raising premiums by an average of 15% in the Golden State. This is just the latest rate increase or policy limitation by major insurance companies who blame the increases on spreading wildfire risks, inflation, and the cost of […]

  • 2024 Average Homeowners Insurance Rate at $2,777 per year  Posted on Tuesday 20th February, 2024

    A recent report by Insurance.com, found that the average homeowners insurance rate in the U.S. came in at $2,777 per year which breaks down to $231 a month. The average was based on coverage levels of $300,000 in dwelling and liability and a $1,000 deductible. When Insurance.com ran the numbers, Oklahoma was the most expensive […]

  • What exactly is a FAIR Plan? Posted on Tuesday 2nd January, 2024

    If you live in an area where severe weather is common, or wildfires pop up every summer you may have trouble finding affordable home insurance coverage. If homes in your area are repeatedly damaged or destroyed by a covered peril, insurers may pull out of the entire area, refusing to write policies in your neighborhood. […]

  • 2024 Homeowners Insurance Outlook Receives Negative Rating Posted on Tuesday 21st November, 2023

    The insurance news for 2024 is certainly not great. Experts expect that extreme weather and increasing costs will push up insurance costs and make insurance companies more selective when deciding where they will write policies.  Recently, credit rating agency AM Best downgraded the entire home insurance industry from stable to negative. According to Richard Attanasio, […]

  • 2023 – California’s recent storms – Is my home covered by insurance? Posted on Tuesday 10th January, 2023

    California has recently been hit by a shocking amount of punishing winter weather that has triggered flooding as well as mudslides across vast areas of the state. The weather has led to evacuation orders as well as damaged homes. Unfortunately, for many homeowners, the damage may not be covered by their homeowners insurance.   In most […]

  • 2022 Future Housing Market Preview by Fed Chairman Powell Posted on Friday 1st July, 2022

    Many of us are concerned about how the housing market will fare as interest rates head up and a looming recession takes hold. Will home values crash as they did during the Great Recession or will they simply stop rising and settle in at their current values.  While no one can predict the future, Fed […]

Discounts For Homeowners in Lake County

As a homeowner, you have to understand that insurance companies see homes as a risk. If you can decrease any of the risk factors that will determine your premium, then it's best to follow these important guidelines in order to save money on your California homeowners insurance.

  • Install A Smoke Alarm in Every Room: It's important you do this for your own safety, so why not install a smoke detector in every room. Show your home insurance company that safety comes first. Once you have them installed, shop for home insurance and mentioned you have taken the right safety precautions to reduce house fires. For homeowners in Lake County, this discount can save you up to 20% on your home insurance premium.
  • Combine Your Home and Auto Insurance Into One Package: Any home insurance provider is going to want your business. It's important you offer this opportunity to combine your home and auto insurance together in one package. You may want to also see if you can open up a life or health insurance account as well. Merging all your insurance into one company will save you money. Homeowners in Lake County that do combine their home and auto can save over $500 with this discount.
  • Install A Home Security System: Your home insurance company should reward you for installing a home security system, sometimes up to 22%. It's important that you take precautions and reduce the risk of someone breaking into your Lake County home. This will be one of the questions that you will want to ask your home insurance agent to see if you qualify for this discount. If you don't, make sure you shop other companies to get the "Home Security Discount"
  • Purchase A Fire Exstinguisher: Although smoke alarms provide warnings, it's best to be prepared. This may or may not provide any stand alone discount, but it shows your serious when it comes to reducing risk.
  • Stop Smoking: It's important to protect your health and your home. If you don't smoke or don't have anyone living with you that smokes then this can save you up to 18% on your home insurance premium.

Lake County Housing & Real Estate Data

Details:Statistics
Total Housing Units35492
Occupied Housing Units26548
Vacant Housing Units8944
Vacant Housing Units for Rent991
Vacant Housing Units Rented Not Occupied45
Vacant Housing Units For Sale833
Vacant Housing Units Sold Not Occupied175
Vacant Housing Units For Seasonal Occasional Use5285
Vacant Housing Units All Other Vacants1615
Housing Units Homeowner Vacancy Rate Percent5
Housing Units Rental Vacancy Rate Percent10
Housing Tenure Occupied Units26548
Housing Tenure Occupied Units Owner Occupied17472
Housing Tenure Occupied Units Owner Occupied Population40402
Housing Tenure Occupied Units Owner Occupied Averge Household Size2
Housing Tenure Occupied Units Renter Occupied9076
Housing Tenure Occupied Units Renter Occupied Population23178
Housing Tenure Occupied Units Renter Occupied Average Household Size3