Diamond Springs Insurance Rates:

Diamond Springs, CA home insurance is roughly $514 to $701, about $42-$58/month. Our all inclusive analysis indicates shoppers can save as much as $242 by getting multiple quotes

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Diamond Springs Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Travelers
Home Insurance Rate of $300/9 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $230,000

3 Beds, 3 Baths 1910 sqft Primary Residence Constructed In 1986 with Stone Flooring, Shingles Roof, Crawl Space Foundation, Fiber-Cement Siding, Metal Frame Construction. Home Features Include Deadbolt Locks, Swimming Pool, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

72 Years old Single Male who is a Freelancer with household income of $25-50,000 and has 3 Pets and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 750-799 Credit Score

  • Seniors staying at home

Home Insurance Rate of $210/9 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $220,000

4 Beds, 4 Bath 1860 sqft Vacation Property Constructed In 2012 with Wood Flooring, Metal Roof, Piers Foundation, Fiber-Cement Siding, Wood Frame. Home Features Include Fire Extinguisher, Smoke Alarm, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

42 Years old Divorced Male who has a Full Time Job with household income of $50-$75,000 and has 3 Pets and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • Up to 499 Credit Score

  • Guests at home

Home Insurance Rate of $190/4 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $220,000

4 Beds, 4 Baths 1630 sqft Vacation Property Constructed In 1988 with Stone Flooring, Asphalt Shingles Roof, Slab Foundation, Stone Siding, Brick Frame. Home Features Include Fireplace, Swimming Pool, Deadbolt Locks, Fire Extinguisher, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

59 Years old Married 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

  • 700-749 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $590/8 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $310,000

4 Beds, 4 Bath 2050 sqft Rental Property Constructed In 2006 with Linoleum, Slate Shingles Roof, Crawl Space Foundation, Vinyl siding, Brick Frame. Home Features Include Indoor Sprinklers, Deadbolt Locks, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

55 Years old Single Female who is a Freelancer with household income of $25-50,000 and has More than 3 Pets at home 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 $70/1 month for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $255,000

3 Beds, 3 Baths 2020 sqft Primary Residence Constructed In 1997 with Carpet Flooring, Membrane Roof, Piers Foundation, Stucco siding, Metal Frame Construction. Home Features Include Fireplace, Smoke Alarm, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

58 Years old Divorced Female who is Unemployed and has 3 Pets and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 700-749 Credit Score

  • Guests at home

Home Insurance Rate of $110/3 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $135,000

3 Beds, 3 Bath 1260 sqft Rental Property Constructed In 1985 with Carpet Flooring, Asphalt Shingles Roof, Slab Foundation, Fiber-Cement Siding, Stucco Construction. Home Features Include Fireplace, Indoor Sprinklers, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

47 Years old Married Female who has a Full Time Job with household income of less than $25,000 and has 2 Pets and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 750-799 Credit Score

  • Guests at home

Home Insurance Rate of $80/2 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $245,000

3 Beds, 3 Bath 2230 sqft Vacation Property Constructed In 1993 with Carpet over wood flooring, Shingles Roof, Slab Foundation, Wood siding, Metal Frame Construction. Home Features Include Fireplace, Deadbolt Locks, Fire Extinguisher, Central Air Conditioning, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

69 Years old Married Male who is Unemployed with household income of less than $25,000 and has No Pets and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 600-649 Credit Score

Home Insurance Rate of $530/7 months for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $360,000

3 Beds, 3 Bath 2360 sqft Primary Residence Constructed In 2014 with Linoleum, Slate Shingles Roof, Slab Foundation, Brick siding, Brick Frame. Home Features Include Copper Water Pipes, Fireplace, Central Air Conditioning, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

44 Years old Single Male who has a Full Time Job with household income of $50-$75,000 and has No Pets and is a Smoker

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

  • 650-699 Credit Score

  • Seniors staying at home

Home Insurance Rate of $240/4 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $275,000

3 Beds, 3 Baths 2280 sqft Rental Property Constructed In 1982 with Ceramic Tile Flooring, Composition Roof, Crawl Space Foundation, Vinyl siding, Metal Frame Construction. Home Features Include Fire Extinguisher, Central Air Conditioning, Indoor Sprinklers, Copper Water Pipes, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

53 Years old Single Female who is a Freelancer with household income of $50-$75,000 and has 2 Pets and is a Non-Smoker

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

  • 600-649 Credit Score

  • Seniors staying at home

Home Insurance Rate of $500/6 months for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $305,000

4 Beds, 4 Baths 2090 sqft Vacation Property Constructed In 2012 with Linoleum, Asphalt Shingles Roof, Crawl Space Foundation, Stone Siding, Metal Frame Construction. Home Features Include Fire Extinguisher, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

66 Years old Single Female who is Unemployed with household income of less than $25,000 and has 3 Pets and is a Smoker

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

  • Up to 499 Credit Score

Diamond Springs, CA Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
95619 $225,100 $610

Diamond Springs Rates & Quotes Analysis:

Diamond Springs Area Estimated House Insurance
Runnymeade Dr, Sherwood Ln, Shady Ln, High Lonesome Trl, Lents Hill Dr, la Serena Ln, Thoreau Dr, Woodsman Loop, Little Canyon Rd, Truscott Ln$609
W View Ct, Glider, Griffith Dr, Blend O Green Way, Kenwood Dr, Casper Ln, French Creek Rd, Strickland Mine Ct, Larkin Mine Rd, Acorn Hill Rd$605
Elly's Aly, Turtle Path, Pretty Penny Ln, Minglewood Ln, Sunnyside Dr, Ridge Dr, Solstice Ct, Hideaway Trl, Grandview Cir, Scenic Dr$637
Brandon Rd, Pepper Ln, Rancheria Ct, Brandy Ln, Allen Hill Ln, Char Mar Cir, Oakvale Dr, First Right Rd, North St, Bramblewood Ln$638
Alice Ct, Holiday Lake Dr, Snoopy Ct, Sawyer Ct, Suncrest Dr, Dolomite Dr, Placid Ln, Neef Ln, Rollo Rd, Heartland Rd$610

Insurance rates are influenced by a number of factors including:

  • Year Built: 1,260 Homes (26% of total) built between 1980 to 1989 in Diamond Springs are paying home insurance between $905-$915 in contrast with Placerville (+$15), Shingle Springs (+$46), Cameron Park (+$23), Plymouth (-$15) and Grizzly Flats (-$16).
  • Bedrooms: 2,285 3 bedrooms homes (47% of total homes ) in Diamond Springs are paying about $231 and differs from Shingle Springs (+$12), Cameron Park (+$6), Camino (+$3), Coloma (-$5) and River Pines (-$4).
  • Auto Insurance Bundling: 1,088 Households (33% of all households) in Diamond Springs have 3 or more vehicles available and when it is bundled with home insurance you can save $151. Discounts for similar bundling in close by locations such as Placerville, Cold Springs, Shingle Springs come to $154, $153, $159 respectively.
  • Senior Discounts: 1,893 seniors (more than 55 years) occupied housing units (58% of total) in Diamond Springs get discounts between $90 to $93. The comparative concessions in proximate regions such as Placerville, Cold Springs and Shingle Springs are $92, $91 and $95 respectively.
  • New Homes discounts: New homes such as the 1,686 homes built between 2000 to 2009 in Diamond Springs can save $121 compared to Placerville ($123), Cold Springs ($122), Shingle Springs ($127).

Diamond Springs Homeowners insurance Facts

  • Diamond Springs, CA has 3,254 owner occupied houses which is 73.8% of all units whereas Placerville, Cold Springs and Shingle Springs have 63.21%, 79.72% and 83.8% respectively.
  • Diamond Springs, CA homeowners yearly insurance price at $607 is 0.24% of the typical house value of $252,000 which is in contrast with 0.2% in Placerville, 0.22% at Cold Springs & 0.15% in Shingle Springs.
  • Homeowners in Diamond Springs, CA pay 1.62% of their income ($35,000 to $39,999) in insurance whereas homeowners in Placerville, Cold Springs and Shingle Springs pay 1.65%, 1.63% and 1.7% respectively.
  • Diamond Springs, CA’s insurance is 2.6% of monthly housing costs of $1,963/month, for owners with a mortgage compared to 2.55% in Placerville, 1.98% at Cold Springs & 2.24% in Shingle Springs. But, for households without a mortgage, insurance is 9.7% of costs ($524 in Diamond Springs, CA) in contrast with 9.57% in Placerville, 11.72% at Cold Springs & 9.14% in Shingle Springs.

Diamond Springs, CA Home Values & Insurance rates

For example, insurance for 196 Homes (7.0% of total homes ) valued between $175,000 to $199,999 in Diamond Springs, CA is about $449. Rates in nearby areas in such as Placerville, Cold Springs, Cameron Park are cheaper by $85, $46, $114 respectively while River Pines and Pollock Pines are costlier by $193 and $40 respectively for similar homes.

Diamond Springs, CA Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 328 12.0% $54
$50,000 to $59,999 142 5.0% $121
$70,000 to $79,999 88 3.0% $176
$90,000 to $99,999 74 2.0% $224
$100,000 to $124,999 176 6.0% $261
$125,000 to $149,999 36 1.0% $327
$150,000 to $174,999 55 2.0% $388
$175,000 to $199,999 196 7.0% $449
$200,000 to $249,999 485 18.0% $540
$250,000 to $299,999 327 12.0% $661
$300,000 to $399,999 614 24.0% $837

Renters Insurance in Diamond Springs

  • Average Renters Insurance in Diamond Springs :  $184($15/month)

  • Median Gross Rent in Diamond Springs :  $1,287

  • Diamond Springs Renters Insurance to Median Rent Ratio:  1.17%

  • Renter occupied housing units in Diamond Springs :  1,157

Diamond Springs Renters Insurance as a Percentage of Rent

Diamond Springs Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 39 3.0% $346
$200 to $299 28 2.0% $796
$300 to $499 46 4.0% $1246
$500 to $749 81 7.0% $1921
$750 to $999 194 17.0% $2671
$1,000 to $1,499 315 28.0% $3796
$1,500 or more 418 37.0% $5446

Rent Affordability in Diamond Springs:

Approximately 53.0% (624) of households are spending more than 35% of their income on gross rent in Diamond Springs

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 78 6.0%
15.0 to 19.9 percent 111 9.0%
20.0 to 24.9 percent 147 12.0%
25.0 to 29.9 percent 142 12.0%
30.0 to 34.9 percent 55 4.0%
35.0 percent or more 624 53.0%

Diamond Springs Renters Insurance Discounts:

Diamond Springs Renters Insurance Discounts by Number of Vehicles in Renter Occupied Housing Units

Number of Vehicles in Diamond Springs, CA Number of Housing Units % of Total Renters Insurance Insurance Savings by Bundling Auto Insurance
1 vehicle available 238 20.0% $18.4
2 vehicles available 319 27.0% $27.6
3 or more vehicles available 367 31.0% $36.8

Protective device discount in Diamond Springs Up to :  $27

Claims-free discount in Diamond Springs Up to :  $36

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