Updated: November 29, 2024
Advertising & Editorial Disclosure
In Pasadena, California, Farmers is both the overall best and cheapest choice for home insurance. If customer service is your priority, however, Chubb is best.
These companies cater to different needs, so selecting the right one depends on your coverage limits or the property value.
Best HomeInsurancePasadena, CATable of Contents
Why Trust MoneyGeek? We used data from California's Department of Insurance and Quadrant Information Services to find top homeowner insurance in Pasadena.
As of September 2024, the rates for home insurance in Pasadena represent the most competitive quotes available.
Farmers is the best option for home insurance in Pasadena, California, for 100K dwelling coverage, with a MoneyGeek score of 85 out of 100. The scores for home insurance companies in Pasadena, California, range from 54 to 85. Insurers receive different scores based on their credit history, age of the home and more.
| Farmers | 85 | $300 |
| Travelers | 83 | $417 |
| Allstate | 82 | $317 |
| Chubb | 75 | $712 |
| State Farm | 61 | $839 |
| Capital Insurance Group | 54 | $582 |
| Nationwide | 54 | $931 |
Farmers is the best option for home insurance in Pasadena, California, for $100K dwelling coverage. The two best overall home insurance companies in Pasadena for $100K dwelling coverage are:
Farmers stands out as the best home insurance provider because it offers a great balance of affordability and customer satisfaction, with high scores in both areas contributing significantly to its top rank.
In Pasadena, California, there are various companies offering different cost and service levels. Consider factors like customer service and claims handling because they affect your experience when you need to make claims.
Amica scores high with a MoneyGeek score of 96, thanks to its excellent customer satisfaction and coverage. It offers comprehensive home insurance with matching siding coverage and waiver of deductible for glass. Amica provides discounts like the non-smoker discount, available if no one in your household has smoked in two years, and affinity for members of certain groups.
Amica's coverage includes personal property coverage, which helps replace belongings if damaged. It also offers back-up of sewer or drain, useful for water damage repairs, and guaranteed replacement cost, which covers extra repair costs if they exceed policy limits.
Chubb is the best option in Pasadena, California, for the best customer service in home insurance, specifically for $100K dwelling coverage. The top two providers for this coverage are:
Chubb stands out as the best because of its excellent customer satisfaction score. Many customers appreciate the personalized service that makes them feel valued. Chubb is the right choice for you if you want reliable and attentive service from your insurer.
Excellent service in home insurance means a company that quickly responds to claims and concerns, making it trustworthy in times of need.
Chubb scores high in customer satisfaction and coverage, making it a top choice. 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. For new home, 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 covers updates to meet current codes. Cash settlement offers a payout if you choose not to rebuild.
Farmers is the best cheap home insurance option in Pasadena, California, for $100K dwelling coverage. The top two providers for this coverage are:
Farmers stands out for its high affordability and customer satisfaction scores. However, choosing cheap home insurance often means getting lower coverage. While this saves money, it might not cover everything if something bad happens. If saving on premiums is important, considering the cheapest homeowner insurance companies may help.
Farmers is the best cheap company with a high MoneyGeek score, thanks to its affordability and customer satisfaction. It offers comprehensive home insurance with matching siding coverage and waiver of deductible for glass. You can save with discounts like the non-smoker discount, which applies if no one in your home has smoked in two years.
Farmers provides useful coverages like scheduled personal property, which helps replace belongings if damaged. Back-up of sewer or drain helps with repair costs from water damage. Guaranteed replacement cost covers extra expenses if repair costs exceed policy limits.
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 10, 2024
Many factors affect homeowners insurance in Pasadena, including location. To save money, you should compare rates, but this can take up to 15 minutes per company. Comparing three or more companies means over an hour of research. MoneyGeek's home insurance calculator helps save instantly by focusing on key factors. Enter your age, dwelling coverage, credit score, deductible, liability coverage and a few others for a rate estimate.
Farmers offers the cheapest home insurance in Pasadena, California. One key factor affecting home insurance premiums is the dwelling coverage you select.
Farmers stands out in Pasadena for its competitive cost, making it a solid choice. Allstate, while not the cheapest for 100K coverage, scores highly for affordability across higher dwelling coverages, making it a great pick for 250K and 500K options. Opting for the cheapest homeowners insurance in California can lead to significant savings, aiding your financial planning.
| Farmers | $300 |
| Allstate | $317 |
| Travelers | $417 |
| Capital Insurance Group | $582 |
| Chubb | $712 |
| State Farm | $839 |
| Nationwide | $931 |
Allstate offers the cheapest home insurance for high-value homes in Pasadena, CA. High dwelling coverage is necessary for homes that are costly to replace, affecting home insurance costs.
Allstate is the most affordable for $750K dwelling coverage in Pasadena, CA. Its low premium makes it a top choice, although it may not have the highest service score.
| Allstate | $1,608 |
| Travelers | $2,107 |
| Capital Insurance Group | $2,438 |
| Farmers | $2,999 |
| State Farm | $4,081 |
| Chubb | $4,146 |
| Nationwide | $4,770 |
Farmers is the cheapest home insurance option for new homes in Pasadena, California.
The low annual premium of Farmers makes it the most affordable choice for homeowners in Pasadena. Though it has a competitive score for cost, compare other aspects before buying. Remember to check that you are adequately covered for your home insurance needs.
| Farmers | $144 |
| Travelers | $221 |
| Allstate | $246 |
| Nationwide | $377 |
| Capital Insurance Group | $379 |
| State Farm | $419 |
| Chubb | $574 |
The best cheap homeowners insurance providers balance quality and cost by offering great customer service and comprehensive coverage with affordable premiums. In Pasadena, finding the best cheap homeowners insurance depends on your needs. Consider factors like coverage options, company reputation and claims process. Follow these steps to get the best cheap home insurance:
To figure out how much home insurance coverage you need, consider the specifics of your home in Pasadena, California. Assess rebuilding costs, personal property value and liability needs.
Research insurance companies serving Pasadena, California. Look for those with strong financial stability, positive customer reviews and a history of quality service.
Once you know what coverages you need, compare home insurance quotes. For a dwelling coverage of $100K in Pasadena, California, premiums can vary from as low as $300 to as high as $582 annually.
Inquire with each provider about discounts you might qualify for, such as bundling policies, installing safety features or maintaining a claims-free record.
Choosing a higher home insurance deductible can lower your premium, but make sure it's an amount you can afford to pay if you file a claim.
Installing security systems and strong locks can reduce the risk profile of your home and may lower insurance costs.
Keep a good credit score as it can affect your insurance rates in Pasadena, California. Pay bills on time and reduce outstanding debt.
Consider bundling your homeowners insurance with other policies like auto insurance. This can lead to significant discounts and savings.
Finding the best cheap home insurance provider in Pasadena depends on your coverage needs and budget. Get answers to some of the most commonly asked questions about the best cheap insurance rates in Pasadena, California.
Home insurance in Pasadena, California, costs an average of $460 annually.
The cheapest home insurance company in Pasadena, California, is Farmers, with an annual premium of $300.
The best home insurance in California for Pasadena residents is provided by 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.
