Livingston Insurance Rates:

Livingston, CA home insurance is approximately $504 to $685, about $42-$57/month. Our extensive analysis reveals consumers can save upto $237 by comparing many quotes

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Livingston Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Travelers
Home Insurance Rate of $110/2 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $195,000

3 Beds, 3 Bath 2000 sqft Rental Property Constructed In 2014 with Wood Flooring, Wood Shake Roof, Slab Foundation, Fiber-Cement Siding, Brick Frame. Home Features Include Fire Extinguisher, Copper Water Pipes, Central Air Conditioning, Smoke Alarm, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

30 Years old Single Female who is Unemployed with household income of less than $25,000 and has 2 Pets and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 800-850 Credit Score

  • Seniors staying at home

Home Insurance Rate of $80/2 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $265,000

4 Beds, 4 Baths 2900 sqft Vacation Property Constructed In 2011 with Carpet Flooring, Slate Shingles Roof, Piers Foundation, Brick siding, Stucco Construction. Home Features Include Fire Extinguisher, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

25 Years old Married Male who is Unemployed 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

Home Insurance Rate of $270/3 months for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $345,000

4 Beds, 4 Bath 3170 sqft Vacation Property Constructed In 1997 with Linoleum, Tile Roof, Piers Foundation, Vinyl siding, Wood Frame. Home Features Include Fireplace, Fire Extinguisher, Swimming Pool, Indoor Sprinklers, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

46 Years old Single Male who has a Full Time Job with household income of more than $150,000 and has No Pets and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 700-749 Credit Score

  • Seniors staying at home

Home Insurance Rate of $220/5 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $170,000

3 Beds, 3 Baths 1620 sqft Seasonal Residence Constructed In 2013 with Linoleum, Wood Shake Roof, Slab Foundation, Brick siding, Metal Frame Construction. Home Features Include Swimming Pool, Central Air Conditioning, Fire Extinguisher, Deadbolt Locks, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

33 Years old Single Male who is a Freelancer with household income of less than $25,000 and has 3 Pets and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 550-599 Credit Score

Home Insurance Rate of $680/12 months for $350000-$400000 Coverage
Policy Holder Home Details :

Home Value : $385,000

5 Beds, 5 Baths 3730 sqft Seasonal Residence Constructed In 1986 with Carpet over wood flooring, Membrane Roof, Slab Foundation, Wood siding, Metal Frame Construction. Home Features Include Indoor Sprinklers, Central Air Conditioning, Swimming Pool, Fireplace, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

74 Years old Married Female who is Retired and has 1 Pet 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 $290/10 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $205,000

4 Beds, 4 Bath 1950 sqft Rental Property Constructed In 1982 with Carpet over wood flooring, Wood Shake Roof, Chainwall Foundation, Stone Siding, Stucco Construction. Home Features Include Indoor Sprinklers, Fire Extinguisher, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

66 Years old Single Female who is a Freelancer with household income of less than $25,000 and has More than 3 Pets at home and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 600-649 Credit Score

  • Seniors staying at home

Home Insurance Rate of $360/10 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $205,000

3 Beds, 3 Bath 1840 sqft Primary Residence Constructed In 1994 with Wood Flooring, Slate Shingles Roof, Slab Foundation, Stucco siding, Wood Frame. Home Features Include Swimming Pool, Fireplace, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

33 Years old Married Female who is a Freelancer with household income of $100-$150,000 and has No Pets and is a Smoker

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

  • 650-699 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $450/6 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $235,000

3 Beds, 3 Baths 2210 sqft Vacation Property Constructed In 2006 with Hardwood Flooring, Shingles Roof, Slab Foundation, Fiber-Cement Siding, Metal Frame Construction. Home Features Include Indoor Sprinklers, Fire Extinguisher, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

56 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

  • 800-850 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $250/6 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $295,000

4 Beds, 4 Bath 2580 sqft Seasonal Residence Constructed In 1999 with Carpet Flooring, Asphalt Shingles Roof, Crawl Space Foundation, Stucco siding, Metal Frame Construction. Home Features Include Copper Water Pipes, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

51 Years old Divorced Male 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

  • 500-549 Credit Score

Home Insurance Rate of $30/1 month for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $205,000

4 Beds, 4 Bath 1720 sqft Primary Residence Constructed In 1997 with Stone Flooring, Wood Shake Roof, Crawl Space Foundation, Wood siding, Metal Frame Construction. Home Features Include Copper Water Pipes, Fire Extinguisher, Swimming Pool, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

28 Years old Single Male who is Unemployed and has No Pets and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 650-699 Credit Score

  • Seniors staying at home

Livingston, CA Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
95334 $183,600 $600

Livingston Rates & Quotes Analysis:

Livingston Area Estimated House Insurance
Arcadia Dr, Cambria Pl, Monte Cristo Way, Burgundy Dr, Elmwood Ct, Chianti Ct, Live Oak Way, Evergreen Ct, Springbrook Dr, Franquette St$597
Turquoise Ct, Oak St W, Franci St, Cedar Ct N, Dwight Way, Tehama Dr, Livingston Cressey Rd, B St, Howard Rd, Virginia Ave$594
Nut Tree Rd, Auburn Ave, Zinfandel Dr, Fernwood Way, Liberty Ave, 9th St, Industrial Dr, Montecito Dr, Peach Ave, Kapreil Way$592
Elmwood Way, White Crane Rd, Ravenswood Dr, Longview Rd, Trigger Ln, Citrus Ct, Sultana Dr, Magnolia Rd, Mandarin Ct, Johannisburg Dr$591
Opal Ct, Monte Cristo Ave, Kensington Dr, J St, Mercedes Ave, Flint Ave, Oakhurst Pl, Misty Harbor Dr, Oakwood Way, Magnolia Ave$593

Insurance rates are influenced by a number of factors including:

  • Year Built: 606 Homes (18% of total) built between 1990 to 1999 in Livingston are paying home insurance between $857-$866 compared to Cressey (+$10), Hilmar-Irwin (+$21), McSwain (+$46), Winton (-$16) and Franklin (-$10).
  • Bedrooms: 1,369 3 bedrooms homes (41% of total homes ) in Livingston are paying about $226 compared to Cressey (+$3), Hilmar-Irwin (+$6), McSwain (+$12), Livingston-Delhi (-$6) and Ballico (-$4).
  • Auto Insurance Bundling: 690 Households (40% of all households) in Livingston have 2 vehicles available and when it is bundled with home insurance you can save $118. Discounts for similar bundling in close by locations such as Livingston-Delhi, Delhi, Cressey come to $118, $118, $120 respectively.
  • Senior Discounts: 702 seniors (more than 55 years) occupied housing units (41% of total) in Livingston get discounts between $88 to $91 in contrast with Livingston-Delhi ($88), Cressey ($90), Winton ($87).
  • New Homes discounts: New homes such as the 1,955 homes built between 2000 to 2009 in Livingston can save $118 and varies from Livingston-Delhi ($118), Delhi ($118), Cressey ($120).

Livingston Homeowners insurance Facts

  • Livingston, CA has 1,690 owner occupied houses which is 55.7% of all units whereas Livingston-Delhi, Delhi and Cressey have 61.95%, 76.28% and 98.04% respectively.
  • Livingston, CA homeowners yearly insurance price at $594 is 0.35% of the typical house value of $168,900 which is in contrast with 0.36% in Livingston-Delhi, 0.42% at Delhi & 0.28% in Cressey.
  • Homeowners in Livingston, CA pay 0.88% of their income ($60,000 to $74,999) in insurance whereas homeowners in Livingston-Delhi, Delhi and Cressey pay 0.88%, 0.87% and 0.89% respectively.
  • Livingston, CA’s insurance is 3.4% of monthly housing costs of $1,437/month, for owners with a mortgage compared to 3.35% in Livingston-Delhi, 3.52% at Delhi & 3.45% in Cressey. But, for households without a mortgage, insurance is 15.5% of costs ($319 in Livingston, CA) in contrast with 12.26% in Livingston-Delhi, 11.3% at Delhi & 24.43% in Cressey.

Livingston, CA Home Values & Insurance rates

For example, insurance for 47 Homes (2.0% of total homes ) valued between $60,000 to $69,999 in Livingston, CA is about $225. Rates in nearby areas in such as Cressey, Ballico, Hilmar-Irwin are cheaper by $45, $39, $73 respectively while Livingston-Delhi and Winton are costlier by $6 and $153 respectively for similar homes.

Livingston, CA Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 60 3.0% $83
$60,000 to $69,999 47 2.0% $225
$70,000 to $79,999 24 1.0% $261
$80,000 to $89,999 39 2.0% $297
$90,000 to $99,999 77 4.0% $332
$100,000 to $124,999 195 12.0% $386
$125,000 to $149,999 171 10.0% $481
$150,000 to $174,999 293 18.0% $570
$175,000 to $199,999 131 8.0% $659
$200,000 to $249,999 368 22.0% $790
$250,000 to $299,999 150 9.0% $968
$300,000 to $399,999 46 2.0% $1229

Renters Insurance in Livingston

  • Average Renters Insurance in Livingston :  $212($17/month)

  • Median Gross Rent in Livingston :  $975

  • Livingston Renters Insurance to Median Rent Ratio:  1.74%

  • Average household size of renter-occupied unit :  4.38

Livingston Renters Insurance as a Percentage of Rent

Livingston Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$300 to $499 72 5.0% $1253
$500 to $749 342 26.0% $1928
$750 to $999 256 20.0% $2678
$1,000 to $1,499 561 44.0% $3803
$1,500 or more 33 2.0% $5453

Rent Affordability in Livingston:

Approximately 58.0% (787) of households are spending more than 35% of their income on gross rent in Livingston

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 57 4.0%
15.0 to 19.9 percent 85 6.0%
20.0 to 24.9 percent 128 9.0%
25.0 to 29.9 percent 201 14.0%
30.0 to 34.9 percent 85 6.0%
35.0 percent or more 787 58.0%

Protective device discount in Livingston Up to :  $31

Claims-free discount in Livingston Up to :  $42