Escalon Insurance Rates:

Escalon, CA home insurance is approximately $515 to $703, about $42-$58/month. Our all inclusive research reveals consumers can save as much as $243 by comparing different quotes

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Escalon, California Homeowners Insurance Reviews separate fact from fiction. Compare realistic quotes from the best home insurance providers.

Escalon Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
State Farm
Home Insurance Rate of $320/5 months for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $320,000

3 Beds, 3 Bath 2400 sqft Vacation Property Constructed In 1950 with Stone Flooring, Shingles Roof, Chainwall Foundation, Stucco siding, Stucco Construction. Home Features Include Smoke Alarm, Swimming Pool, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

68 Years old Single Female who is Unemployed with household income of less than $25,000 and has No Pets and is a Non-Smoker

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

  • 550-599 Credit Score

Home Insurance Rate of $370/7 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $315,000

3 Beds, 3 Bath 2320 sqft Vacation Property Constructed In 1979 with Carpet Flooring, Tile Roof, Slab Foundation, Brick siding, Metal Frame Construction. Home Features Include Smoke Alarm, Central Air Conditioning, Fireplace, Indoor Sprinklers, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

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

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

  • 700-749 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $70/1 month for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $185,000

5 Beds, 5 Baths 1530 sqft Vacation Property Constructed In 2011 with Carpet Flooring, Membrane Roof, Slab Foundation, Vinyl siding, Wood Frame. Home Features Include Indoor Sprinklers, Fireplace, Copper Water Pipes, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

55 Years old Married Male who has a Part Time Job with household income of less than $25,000 and has 2 Pets and is a Smoker

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

  • Up to 499 Credit Score

  • Guests at home

Home Insurance Rate of $240/10 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $155,000

3 Beds, 3 Baths 1330 sqft Vacation Property Constructed In 2005 with Wood Flooring, Asphalt Shingles Roof, Slab Foundation, Fiber-Cement Siding, Stucco Construction. Home Features Include Smoke Alarm, Fireplace, Central Air Conditioning, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

54 Years old Single Male who is Unemployed with household income of less than $25,000 and has More than 3 Pets at home and is a Smoker

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

  • 750-799 Credit Score

  • Guests at home

Home Insurance Rate of $90/2 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $255,000

4 Beds, 4 Bath 1790 sqft Rental Property Constructed In 2013 with Hardwood Flooring, Shingles Roof, Piers Foundation, Vinyl siding, Brick Frame. Home Features Include Swimming Pool, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

37 Years old Single Female who is Unemployed and has 2 Pets and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • Up to 499 Credit Score

  • Guests at home

Home Insurance Rate of $480/12 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $200,000

5 Beds, 5 Baths 1670 sqft Seasonal Residence Constructed In 2002 with Hardwood Flooring, Wood Shake Roof, Crawl Space Foundation, Fiber-Cement Siding, Wood Frame. Home Features Include Copper Water Pipes, Indoor Sprinklers, Swimming Pool, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

41 Years old Married Female who has a Part Time Job with household income of less than $25,000 and has No Pets and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 650-699 Credit Score

  • Guests at home

Home Insurance Rate of $510/7 months for $350000-$400000 Coverage
Policy Holder Home Details :

Home Value : $375,000

4 Beds, 4 Bath 2370 sqft Vacation Property Constructed In 2012 with Carpet Flooring, Membrane Roof, Crawl Space Foundation, Vinyl siding, Stucco Construction. Home Features Include Central Air Conditioning, Fireplace, Fire Extinguisher, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

50 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 Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 750-799 Credit Score

Home Insurance Rate of $970/7 months for $700000-$800000 Coverage
Policy Holder Home Details :

Home Value : $620,000

5 Beds, 5 Bath 4500 sqft Vacation Property Constructed In 2001 with Ceramic Tile Flooring, Shingles Roof, Crawl Space Foundation, Vinyl siding, Stucco Construction. Home Features Include Deadbolt Locks, Central Air Conditioning, Smoke Alarm, Fireplace, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

31 Years old Single Female who is a Freelancer with household income of $50-$75,000 and has 1 Pet and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 750-799 Credit Score

  • Guests at home

Home Insurance Rate of $500/6 months for $400000-$500000 Coverage
Policy Holder Home Details :

Home Value : $380,000

5 Beds, 5 Baths 3240 sqft Vacation Property Constructed In 2007 with Ceramic Tile Flooring, Slate Shingles Roof, Crawl Space Foundation, Stucco siding, Stucco Construction. Home Features Include Swimming Pool, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

32 Years old Married Male who has a Part Time Job with household income of $25-50,000 and has No Pets and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 550-599 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $90/3 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $235,000

3 Beds, 3 Baths 1430 sqft Primary Residence Constructed In 1976 with Ceramic Tile Flooring, Wood Shake Roof, Crawl Space Foundation, Stucco siding, Metal Frame Construction. Home Features Include Fireplace, Central Air Conditioning, Copper Water Pipes, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

23 Years old Single Female who has a Part Time Job with household income of $25-50,000 and has 3 Pets and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 700-749 Credit Score

  • Seniors staying at home

Escalon, CA Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
95320 $250,100 $610

Escalon Rates & Quotes Analysis:

Escalon Area Estimated House Insurance
la Mesa St, Burgundy Dr, Emperor Ct, Vine Ave, San Miguel St, Edgetown St, Wildwood Rd, Santa Fe Rd, Nfarinelli Pkwy, Coley Ave$603
Skiff Rd, Reile Ave, Meyers Ave, Biederman Way, Arroyo St, Magnolia Rd, Swanson Dr, Zinfandel Dr, E Lydia St, Grooms Rd$602
Mission St, Lemon Ave, S Santa Fe Rd, Strong Ave, River Rd, Catherine Way, Mahon Rd, Cometa Rd, Farinelli Pkwy, Ayers Ave$645
Briarwood Ave, Carrolton Ave, Riesling Way, Farinelli Pkwy N, Judith Ct, Vernon Dr, Jonathan Dr, Thompson Way, Mahon Rd, Hall Rd$602
Miller Ave, Jerry Ave, S Henry Rd, Arthur Rd, Temple Creek Rd, Tiffani Ln, Matthew Ln, Enterprise Rd, Escalon Ave, Saint John Rd$602

Insurance rates are influenced by a number of factors including:

  • Year Built: 930 Homes (18% of total) built between 1990 to 1999 in Escalon are paying home insurance between $878-$887 and differs from Del Rio (+$96), Valley Home (+$23), Ripon (+$15), Riverbank (-$17) and Salida (-$10).
  • Bedrooms: 862 4 bedrooms homes (17% of total homes ) in Escalon are paying about $378 compared to Del Rio (+$34), Valley Home (+$10), Ripon (+$6), Riverbank (-$13) and Manteca (-$10).
  • Auto Insurance Bundling: 1,085 Households (32% of all households) in Escalon have 2 vehicles available and when it is bundled with home insurance you can save $121. Discounts for similar bundling in close by locations such as Del Rio, Valley Home, Ripon come to $135, $125, $123 respectively.
  • Senior Discounts: 1,464 seniors (more than 55 years) occupied housing units (44% of total) in Escalon get discounts between $90 to $93. The comparative concessions in proximate regions such as Del Rio, Valley Home and Ripon are $101, $93 and $92 respectively.
  • New Homes discounts: New homes such as the 2,013 homes built between 2000 to 2009 in Escalon can save $121 and similar new home insurance discounts in nearby towns and cities like Del Rio, Valley Home and Ripon are $135, $125 and $123 respectively.

Escalon Homeowners insurance Facts

  • Escalon, CA has 3,305 owner occupied houses which is 70.9% of all units whereas Del Rio, Valley Home and Ripon have 91.67%, 58.93% and 68.37% respectively.
  • Escalon, CA homeowners yearly insurance price at $609 is 0.23% of the typical house value of $261,500 which is in contrast with 0.1% in Del Rio, 0.17% at Valley Home & 0.19% in Ripon.
  • Homeowners in Escalon, CA pay 1.11% of their income ($50,000 to $59,999) in insurance whereas homeowners in Del Rio, Valley Home and Ripon pay 1.23%, 1.14% and 1.13% respectively.
  • Escalon, CA’s insurance is 2.4% of monthly housing costs of $2,081/month, for owners with a mortgage compared to 1.61% in Del Rio, 2.68% at Valley Home & 2.15% in Ripon. But, for households without a mortgage, insurance is 11.2% of costs ($454 in Escalon, CA) in contrast with 7.09% in Del Rio, 10.07% at Valley Home & 11.09% in Ripon.

Escalon, CA Home Values & Insurance rates

For example, insurance for 194 Homes (7.0% of total homes ) valued between $175,000 to $199,999 in Escalon, CA is about $432. Rates in nearby areas in such as Ripon, Linden-Farmington, Oakdale are cheaper by $73, $119, $29 respectively while Riverbank and Manteca are costlier by $159 and $68 respectively for similar homes.

Escalon, CA Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 157 6.0% $54
$50,000 to $59,999 42 1.0% $121
$90,000 to $99,999 50 2.0% $219
$100,000 to $124,999 171 6.0% $255
$125,000 to $149,999 73 2.0% $316
$150,000 to $174,999 254 10.0% $377
$175,000 to $199,999 194 7.0% $432
$200,000 to $249,999 599 24.0% $523
$250,000 to $299,999 358 14.0% $639
$300,000 to $399,999 556 22.0% $809

Renters Insurance in Escalon

  • Average Renters Insurance in Escalon :  $180($15/month)

  • Median Gross Rent in Escalon :  $935

  • Escalon Renters Insurance to Median Rent Ratio:  1.6%

  • Renter occupied housing units in Escalon :  1,357

Escalon Renters Insurance as a Percentage of Rent

Escalon Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 50 4.0% $795
$300 to $499 30 2.0% $1245
$500 to $749 226 22.0% $1920
$750 to $999 289 28.0% $2670
$1,000 to $1,499 271 26.0% $3795
$1,500 or more 155 15.0% $5445

Protective device discount in Escalon Up to :  $27

Claims-free discount in Escalon Up to :  $36

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