Citrus Heights Insurance Rates:

Citrus Heights, CA home insurance is roughly $510 to $689, about $42-$57/month. Our detailed analysis reveals consumers can save as much as $240 by comparing multiple quotes

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Read Citrus Heights, California Homeowners Insurance Reviews & compare quotes to find the best & cheapest home insurance provider.

Citrus Heights Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Farmers Insurance
Home Insurance Rate of $230/9 months for $100000-$125000 Coverage
Policy Holder Home Details :

Home Value : $100,000

2 Beds, 2 Bath 900 sqft Seasonal Residence Constructed In 1984 with Carpet over wood flooring, Shingles Roof, Slab Foundation, Stone Siding, Stucco Construction. Home Features Include Fire Extinguisher, Copper Water Pipes, Central Air Conditioning, Smoke Alarm, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

67 Years old Married Female who has a Part Time Job with household income of $25-50,000 and has 2 Pets and is a Non-Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 800-850 Credit Score

  • Guests at home

Home Insurance Rate of $20/1 month for $100000-$125000 Coverage
Policy Holder Home Details :

Home Value : $130,000

3 Beds, 3 Baths 1370 sqft Seasonal Residence Constructed In 1981 with Carpet over wood flooring, Slate Shingles Roof, Slab Foundation, Brick siding, Metal Frame Construction. Home Features Include Deadbolt Locks, Fire Extinguisher, Fireplace, Central Air Conditioning, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

45 Years old Single Male who has a Full Time Job with household income of $50-$75,000 and has More than 3 Pets at home and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 650-699 Credit Score

  • Seniors staying at home

Home Insurance Rate of $150/2 months for $350000-$400000 Coverage
Policy Holder Home Details :

Home Value : $375,000

5 Beds, 5 Bath 2730 sqft Vacation Property Constructed In 1979 with Carpet Flooring, Tile Roof, Piers Foundation, Wood siding, Metal Frame Construction. Home Features Include Deadbolt Locks, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

37 Years old Divorced Male who has a Full Time Job with household income of less than $25,000 and has 3 Pets and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 650-699 Credit Score

Home Insurance Rate of $510/10 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $325,000

4 Beds, 4 Bath 3170 sqft Primary Residence Constructed In 1972 with Ceramic Tile Flooring, Membrane Roof, Slab Foundation, Stone Siding, Stucco Construction. Home Features Include Fire Extinguisher, Swimming Pool, Smoke Alarm, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

47 Years old Married Female who has a Part Time Job with household income of less than $25,000 and has 3 Pets and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 600-649 Credit Score

Home Insurance Rate of $270/10 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $240,000

4 Beds, 4 Bath 1800 sqft Seasonal Residence Constructed In 1983 with Linoleum, Asphalt Shingles Roof, Slab Foundation, Stucco siding, Metal Frame Construction. Home Features Include Smoke Alarm, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

67 Years old Single Male who is Unemployed with household income of less than $25,000 and has 1 Pet and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 700-749 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $150/6 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $200,000

3 Beds, 3 Bath 1470 sqft Vacation Property Constructed In 1974 with Carpet Flooring, Membrane Roof, Piers Foundation, Vinyl siding, Brick Frame. Home Features Include Indoor Sprinklers, Smoke Alarm, Swimming Pool, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

38 Years old Single Female who has a Full Time Job with household income of $100-$150,000 and has No Pets and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 600-649 Credit Score

Home Insurance Rate of $500/10 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $170,000

3 Beds, 3 Bath 1440 sqft Vacation Property Constructed In 1981 with Stone Flooring, Tile Roof, Slab Foundation, Stone Siding, Metal Frame Construction. Home Features Include Smoke Alarm, Swimming Pool, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

72 Years old Married Female who has a Full Time Job with household income of $100-$150,000 and has 2 Pets and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • Up to 499 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $240/8 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $200,000

2 Beds, 2 Bath 1800 sqft Rental Property Constructed In 1990 with Hardwood Flooring, Tile Roof, Slab Foundation, Wood siding, Stucco Construction. Home Features Include Copper Water Pipes, Fireplace, Deadbolt Locks, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

25 Years old Single Female who has a Part Time Job with household income of $25-50,000 and has 1 Pet and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 550-599 Credit Score

  • Seniors staying at home

Home Insurance Rate of $800/12 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $255,000

3 Beds, 3 Baths 2260 sqft Rental Property Constructed In 1977 with Hardwood Flooring, Membrane Roof, Piers Foundation, Brick siding, Stucco Construction. Home Features Include Smoke Alarm, Copper Water Pipes, Indoor Sprinklers, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

47 Years old Single Female who is Unemployed and has 2 Pets and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 650-699 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $190/5 months for $150,000-$175,000 Coverage
Policy Holder Home Details :

Home Value : $180,000

2 Beds, 2 Bath 1115 sqft Rental Property Constructed In 1972 with Carpet over wood flooring, Shingles Roof, Crawl Space Foundation, Stucco siding, Wood Frame. Home Features Include Copper Water Pipes, Smoke Alarm, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

40 Years old Divorced Female who is a Freelancer with household income of $25-50,000 and has 1 Pet and is a Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 600-649 Credit Score

  • Guests at home

Citrus Heights, CA Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
95610 $231,500 $610
95621 $185,800 $600

Citrus Heights Rates & Quotes Analysis:

Citrus Heights Area Estimated House Insurance
la Luna Ct, Monteverde Ln, Teater Ct, Prince St, Highland Ave, Ansley Ct, Mariposa Cove Ct, Candlestick Way, Chabot Dr, Catamaran Dr$600
Old Ranch Rd, Tina Ct, Crail Ct, Cornerstone Way, Sylvan Rd, Westport Ln, Starwood Ct, Auburn Oaks Village Ln, Annwood Ct, Zenith Dr$595
Verner Ave, Broken Feather Way, Knudsen Way, Sunrise Terrace Ln, Brookcrest Way, Bayoak Way, Cranmore Ct, Heatherington Way, Villaview Dr, Cordelia Cir$589
Saint Albans Ct, Sylvan Oak Way, Donnawood Way, Golden Eye Ln, Rita Lou Way, Sycamore Dr, Rubion Cir, Auburn Oaks Ct, Redcliff Dr, Pimienta Dr$596
Lyonia Way, Sunrise Creek Ct, Villaview Dr, Maple Ave, Brookhaven Way, Marlin Cir, Tareyton Way, Bremen Dr, Larwin Dr, Stanford Ave$610
Arc Creek Mnr, Deanton Ct, Phoebe Way, Lasso Ct, Lost Mine Ct, Blue Springs Way, Heritage Meadow Ln, Challis Ct, Shady Crest Way, Soquel Way$605
Lialana Way, Lesser Way, Ebonywood Ct, Red Maple Way, Auburn Woods Dr, Ranch Ave, Aloha Dr, Glen Creek Way, Robie Way, Macy Plaza Dr$608
Brill Ct, Baird Way, Mandarin Cir, Chancery Ct, Rock Crest Ln, Barca Ln, Thalia Ct, Cloudcroft Way, Arcaro Ct, Bonnie Oak Way$605
Rain Meadow Ln, Garwood Ct, Stationers Way, Krogh Ct, Firewood Ct, Berman Walk Way, Medallion Ct, White Plains Ct, Butternut Dr, Joshua Ct$607
Casuarnia Ct, Dark Star Way, Clay Basket Dr, Hoopes Dr, Lakehurst Ct, Coral Oak Way, Bowery Ct, Northvale Way, Parkcreek Cir, Sperry Dr$609

Insurance rates are influenced by a number of factors including:

  • Year Built: 4,543 Homes (13% of total homes ) built between 1960 to 1969 in Citrus Heights are paying home insurance between $1,051-$1,060. Places close to Citrus Heights, CA such as Orangevale, Fair Oaks, Carmichael are more expensive by $17, $48, $24 respectively while Foothill Farms and North Highlands are cheaper by $11 and $16 respectively for similar homes.
  • Bedrooms: 5,046 4 bedrooms homes (14% of total homes ) in Citrus Heights are paying about $372. Areas near to Citrus Heights such as Orangevale, Fair Oaks, Carmichael are costlier by $7, $18, $10 respectively whereas Foothill Farms and Antelope are more economical by $3, $4 respectively for similar homes.
  • Auto Insurance Bundling: 7,701 Households (41% of all households) in Citrus Heights have 2 vehicles available and when it is bundled with home insurance you can save $120 and varies from Foothill Farms ($118), Orangevale ($122), Fair Oaks ($125).
  • Senior Discounts: 9,879 seniors (more than 55 years) occupied housing units (53% of total) in Citrus Heights get discounts between $89 to $92. The comparative concessions in proximate regions such as Foothill Farms, Orangevale and Fair Oaks are $89, $91 and $94 respectively.
  • New Homes discounts: New homes such as the 7,336 homes built between 2000 to 2009 in Citrus Heights can save $120 and similar new home insurance discounts in nearby towns and cities like Foothill Farms, Orangevale and Fair Oaks are $118, $122 and $125 respectively.

Citrus Heights Homeowners insurance Facts

  • Citrus Heights, CA has 18,432 owner occupied houses which is 56.9% of all units whereas Foothill Farms, Orangevale and Fair Oaks have 56.9%, 74.4% and 67.44% respectively.
  • Citrus Heights, CA homeowners yearly insurance price at $600 is 0.29% of the typical house value of $204,100 which is in contrast with 0.36% in Foothill Farms, 0.23% at Orangevale & 0.16% in Fair Oaks.
  • Homeowners in Citrus Heights, CA pay 4.8% of their income ($10,000 to $14,999) in insurance whereas homeowners in Foothill Farms, Orangevale and Fair Oaks pay 4.75%, 4.88% and 5.02% respectively.
  • Citrus Heights, CA’s insurance is 2.8% of monthly housing costs of $1,779/month, for owners with a mortgage compared to 3.18% in Foothill Farms, 2.58% at Orangevale & 2.31% in Fair Oaks. But, for households without a mortgage, insurance is 11.3% of costs ($442 in Citrus Heights, CA) in contrast with 12.47% in Foothill Farms, 11.79% at Orangevale & 9.58% in Fair Oaks.

Citrus Heights, CA Home Values & Insurance rates

For example, insurance for 3,796 Homes (21.0% of total homes ) valued between $200,000 to $249,999 in Citrus Heights, CA is about $660. Rates in nearby areas in such as Orangevale, Fair Oaks, Antelope are cheaper by $154, $290, $57 respectively while Foothill Farms and North Highlands are costlier by $141 and $204 respectively for similar homes.

Citrus Heights, CA Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 1,410 8.0% $72
$50,000 to $59,999 188 1.0% $150
$80,000 to $89,999 187 1.0% $246
$100,000 to $124,999 957 5.0% $318
$125,000 to $149,999 1,185 6.0% $402
$150,000 to $174,999 2,239 12.0% $474
$175,000 to $199,999 2,491 14.0% $546
$200,000 to $249,999 3,796 21.0% $660
$250,000 to $299,999 2,516 14.0% $804
$300,000 to $399,999 2,390 13.0% $1026

Renters Insurance in Citrus Heights

  • Average Renters Insurance in Citrus Heights :  $200($16/month)

  • Median Gross Rent in Citrus Heights :  $1,030

  • Citrus Heights Renters Insurance to Median Rent Ratio:  1.55%

  • Average household size of renter-occupied unit :  2.57

Citrus Heights Renters Insurance as a Percentage of Rent

Citrus Heights Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$500 to $749 1,306 9.0% $1925
$750 to $999 4,827 35.0% $2675
$1,000 to $1,499 4,910 35.0% $3800
$1,500 or more 2,334 17.0% $5450

Rent Affordability in Citrus Heights:

Approximately 41.0% (5,831) of households are spending more than 35% of their income on gross rent in Citrus Heights

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 1,039 7.0%
15.0 to 19.9 percent 1,701 12.0%
20.0 to 24.9 percent 1,954 13.0%
25.0 to 29.9 percent 1,964 14.0%
30.0 to 34.9 percent 1,487 10.0%
35.0 percent or more 5,831 41.0%

Protective device discount in Citrus Heights Up to :  $30

Claims-free discount in Citrus Heights Up to :  $40