Fairfield Insurance Rates:

Fairfield, CA home insurance is roughly $521 to $706, about $43-$58/month. Our exhaustive research indicates shoppers can save as much as $245 by comparing many quotes

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

Fairfield Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
State Farm
Home Insurance Rate of $940/8 months for $400000-$500000 Coverage
Policy Holder Home Details :

Home Value : $380,000

4 Beds, 4 Baths 2340 sqft Primary Residence Constructed In 2011 with Wood Flooring, Asphalt Shingles Roof, Slab Foundation, Wood siding, Metal Frame Construction. Home Features Include Swimming Pool, Smoke Alarm, Central Air Conditioning, Copper Water Pipes, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

49 Years old Single Female who has a Full Time Job with household income of $75-$100,000 and has More than 3 Pets at home and is a Non-Smoker

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

  • 750-799 Credit Score

Home Insurance Rate of $680/9 months for $350000-$400000 Coverage
Policy Holder Home Details :

Home Value : $435,000

4 Beds, 4 Baths 2940 sqft Rental Property Constructed In 2006 with Hardwood Flooring, Wood Shake Roof, Piers Foundation, Vinyl siding, Metal Frame Construction. Home Features Include Fireplace, Fire Extinguisher, Deadbolt Locks, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

67 Years old Divorced Female who has a Part Time Job with household income of $25-50,000 and has More than 3 Pets at home and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 550-599 Credit Score

  • Guests at home

Home Insurance Rate of $790/9 months for $500000-$600000 Coverage
Policy Holder Home Details :

Home Value : $540,000

5 Beds, 5 Baths 3720 sqft Rental Property Constructed In 1984 with Ceramic Tile Flooring, Composition Roof, Slab Foundation, Brick siding, Brick Frame. Home Features Include Swimming Pool, Indoor Sprinklers, Smoke Alarm, Central Air Conditioning, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

34 Years old Single Female who has a Part Time Job with household income of $25-50,000 and has More than 3 Pets at home and is a Smoker

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

  • 600-649 Credit Score

  • Guests at home

Home Insurance Rate of $560/6 months for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $395,000

4 Beds, 4 Baths 2870 sqft Rental Property Constructed In 2004 with Linoleum, Tile Roof, Chainwall Foundation, Stucco siding, Brick Frame. Home Features Include Fireplace, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

29 Years old Single Male who has a Full Time Job with household income of more than $150,000 and has 2 Pets and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 800-850 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $100/2 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $220,000

3 Beds, 3 Bath 1420 sqft Seasonal Residence Constructed In 1998 with Hardwood Flooring, Composition Roof, Crawl Space Foundation, Fiber-Cement Siding, Metal Frame Construction. Home Features Include Copper Water Pipes, Smoke Alarm, Indoor Sprinklers, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

69 Years old Single Male who is Retired 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 $370/6 months for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $295,000

4 Beds, 4 Bath 1870 sqft Seasonal Residence Constructed In 2008 with Carpet Flooring, Membrane Roof, Slab Foundation, Stucco siding, Wood Frame. Home Features Include Fireplace, Fire Extinguisher, Copper Water Pipes, Swimming Pool, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

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

Additional Details :
  • 50-75% Mortgage Paid off

  • Up to 499 Credit Score

  • Guests at home

Home Insurance Rate of $840/6 months for $400,000-$500,000 Coverage
Policy Holder Home Details :

Home Value : $410,000

4 Beds, 4 Baths 1883 sqft Primary Residence Constructed In 1986 with Linoleum, Membrane Roof, Piers Foundation, Brick siding, Wood Frame. Home Features Include Fire Extinguisher, Fireplace, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

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

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

  • 750-799 Credit Score

  • Seniors staying at home

Fairfield, CA Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
94533 $240,600 $610

Fairfield Rates & Quotes Analysis:

Fairfield Area Estimated House Insurance
Vineland Marina Ct, Airmen Dr, Oakridge Dr, Edwards Way, Rockville Hts, Rainier Ct, Renaissance Ave, Standish Way, Vandenberg Cir, Norwalk Way$640
Prosperity Ln, Westamerica Dr, Ridgecrest Ct, Shawnee Ct, Toland Dr, Howland Ct, Green Meadow Ct, Country Club Dr, Ross Pl, Vicksburg Dr$643
E Atlantic Ave, Appleridge Ct, Pierce St, Olivewood Ln, Ross Ct, Mariposa Way, Sunhaven Cir, Cascade Ct, San Carlos St, Oriole Way$595
Owens Ct, Marigold Dr, Madonna Dr, Fairchild Dr, Pine Valley Ct, San Angelo St, Chilmark Pl, Bay Hill Dr, Chula Ct, Barbour Dr$614
Santa Ana Ct, Utah St, Granada Dr, Kenrick Ct, Shelby Pl, Michael Ct, Hilborn Rd, Hemlock St, Thomasson Ln, Catlin Dr$601
Hazeltine Way, Daffodil Dr, Boxwood Ln, Channing Ct, Barksdale Ct, Palo Seco Ct, Cereda Ln, Highland Way, Ashford Ct, Brook Falls Dr$622
Cassidy Ct, Gardenia Cir, Stratford Ln, Maddalena Way, Dalewood Ct, Dogwood Cir, Hartford Ave, Lawrence Ct, Zinnia Ct, Vineyards Landing Ct$645
Vis Palomar, Doria Pl, Cormorant Pl, Talisman Ct, Biltmore Ct, Lexington Way, Simms Ct, Gulf Dr, Summer Grove Cir, Arlington Cir$610
Starfish Ct, Carnation Dr, Santa Rosa Dr, Manor Pl, China Ln, Aria Pl, Victoria Ct, Cannon Ct, Stafford Springs Way, Constable Dr$640
Summerfield Ct, Muir Ct, Spindrift Pl, Mountain View Ct, Brittany Ct, Southbridge Ln, Jasmine St, Ashtree Ct, Pear Tree Ln, Burgundy Ct$618

Insurance rates are influenced by a number of factors including:

  • Year Built: 5,711 Homes (15% of total homes ) built between 1990 to 1999 in Fairfield are paying home insurance between $884-$893. Places close to Fairfield, CA such as Green Valley, Hartley, Allendale are more expensive by $81, $40, $55 respectively while Suisun City and Moskowite Corner are cheaper by $10 and $58 respectively for similar homes.
  • Bedrooms: 9,957 4 bedrooms homes (28% of total homes ) in Fairfield are paying about $374 in contrast with Fairfield-Suisun City (+$7), Green Valley (+$35), Vacaville (+$9), Elmira (-$11) and Moskowite Corner (-$7).
  • Auto Insurance Bundling: 7,474 Households (37% of all households) in Fairfield have 3 or more vehicles available and when it is bundled with home insurance you can save $153 and varies from Suisun City ($151), Fairfield-Suisun City ($153), Solano County ($153).
  • Senior Discounts: 8,937 seniors (more than 55 years) occupied housing units (44% of total) in Fairfield get discounts between $91 to $94 in contrast with Suisun City ($90), Fairfield-Suisun City ($91), Solano County ($92).
  • New Homes discounts: New homes such as the 15,752 homes built between 2000 to 2009 in Fairfield can save $122 in contrast with Suisun City ($121), Fairfield-Suisun City ($122), Solano County ($122).

Fairfield Homeowners insurance Facts

  • Fairfield, CA has 20,040 owner occupied houses which is 60.3% of all units whereas Suisun City, Fairfield-Suisun City and Solano County have 69.21%, 63.2% and 63.21% respectively.
  • Fairfield, CA homeowners yearly insurance price at $613 is 0.21% of the typical house value of $288,200 which is in contrast with 0.25% in Suisun City, 0.22% at Fairfield-Suisun City & 0.21% in Solano County.
  • Homeowners in Fairfield, CA pay 0.82% of their income ($75,000 or more) in insurance whereas homeowners in Suisun City, Fairfield-Suisun City and Solano County pay 0.81%, 0.82% and 0.82% respectively.
  • Fairfield, CA’s insurance is 2.2% of monthly housing costs of $2,374/month, for owners with a mortgage compared to 2.39% in Suisun City, 2.2% at Fairfield-Suisun City & 2.27% in Solano County. But, for households without a mortgage, insurance is 12.2% of costs ($420 in Fairfield, CA) in contrast with 11.91% in Suisun City, 11.66% at Fairfield-Suisun City & 11.95% in Solano County.

Fairfield, CA Home Values & Insurance rates

For example, insurance for 981 Homes (6.0% of total homes ) valued between $175,000 to $199,999 in Fairfield, CA is about $398. Rates in nearby areas in such as Solano County, Vacaville, Hartley are cheaper by $6, $28, $142 respectively while Suisun City and Vallejo are costlier by $68 and $5 respectively for similar homes.

Fairfield, CA Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 516 3.0% $49
$50,000 to $59,999 176 1.0% $110
$70,000 to $79,999 165 1.0% $159
$80,000 to $89,999 155 1.0% $177
$90,000 to $99,999 171 1.0% $196
$100,000 to $124,999 861 5.0% $232
$125,000 to $149,999 906 6.0% $288
$150,000 to $174,999 1,319 8.0% $343
$175,000 to $199,999 981 6.0% $398
$200,000 to $249,999 2,883 19.0% $478
$250,000 to $299,999 2,404 15.0% $582
$300,000 to $399,999 4,463 29.0% $741

Renters Insurance in Fairfield

  • Average Renters Insurance in Fairfield :  $171($14/month)

  • Median Gross Rent in Fairfield :  $1,245

  • Fairfield Renters Insurance to Median Rent Ratio:  1.12%

  • Renter occupied housing units in Fairfield :  13,193

Fairfield Renters Insurance as a Percentage of Rent

Fairfield Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 232 1.0% $792
$300 to $499 339 2.0% $1242
$500 to $749 745 5.0% $1917
$750 to $999 2,448 19.0% $2667
$1,000 to $1,499 4,193 33.0% $3792
$1,500 or more 4,588 36.0% $5442

Rent Affordability in Fairfield:

Approximately 49.0% (6,514) of households are spending more than 35% of their income on gross rent in Fairfield

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 602 4.0%
15.0 to 19.9 percent 1,799 13.0%
20.0 to 24.9 percent 1,643 12.0%
25.0 to 29.9 percent 1,346 10.0%
30.0 to 34.9 percent 1,289 9.0%
35.0 percent or more 6,514 49.0%

Protective device discount in Fairfield Up to :  $25

Claims-free discount in Fairfield Up to :  $34

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