Napa Insurance Rates:

Napa, CA home insurance is roughly $541 to $734, about $45-$61/month. Our detailed research indicates shoppers can save as much as $255 by comparing multiple quotes

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Napa, California Homeowners share the good, bad & ugly reviews of thier insurance providers so that you can compare quotes from the best

Napa Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Chubb Group of Insurance
Home Insurance Rate of $380/7 months for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $355,000

4 Beds, 4 Baths 1700 sqft Vacation Property Constructed In 1965 with Linoleum, Metal Roof, Slab Foundation, Vinyl siding, Metal Frame Construction. Home Features Include Indoor Sprinklers, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

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

Additional Details :
  • 50-75% Mortgage Paid off

  • 750-799 Credit Score

Home Insurance Rate of $740/10 months for $400000-$500000 Coverage
Policy Holder Home Details :

Home Value : $455,000

4 Beds, 4 Baths 2030 sqft Vacation Property Constructed In 2011 with Stone Flooring, Wood Shake Roof, Crawl Space Foundation, Fiber-Cement Siding, Metal Frame Construction. Home Features Include Fireplace, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

48 Years old Divorced Male who is Unemployed and has 3 Pets and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 600-649 Credit Score

  • Guests at home

Home Insurance Rate of $1030/9 months for $700000-$800000 Coverage
Policy Holder Home Details :

Home Value : $700,000

5 Beds, 5 Baths 3560 sqft Rental Property Constructed In 2009 with Stone Flooring, Composition Roof, Chainwall Foundation, Stucco siding, Wood Frame. Home Features Include Central Air Conditioning, Fireplace, Smoke Alarm, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

69 Years old Single Male who is Retired and has More than 3 Pets at home and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 650-699 Credit Score

  • Guests at home

Home Insurance Rate of $460/3 months for $600,000-$700,000 Coverage
Policy Holder Home Details :

Home Value : $770,000

4 Beds, 4 Baths 2363 sqft Primary Residence Constructed In 1972 with Carpet over wood flooring, Asphalt Shingles Roof, Chainwall Foundation, Stucco siding, Wood Frame. Home Features Include Central Air Conditioning, Fire Extinguisher, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

61 Years old Divorced Male who is Retired and has More than 3 Pets and is a Smoker

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

  • 600-649 Credit Score

  • Seniors staying at home

  • Guests at home

Napa, CA Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
94559 $436,600 $650

Napa Rates & Quotes Analysis:

Napa Area Estimated House Insurance
Daffodil Dr, Fawn Ct, Salmon Creek Ln, Unwin Dr, Holcomb Ln, Wintergreen Ct, Ironwood Ct, Parkview Ct, Old Soscol Ave, Ash St$725
Pinecreek Ln, Lugo Ln, Magnolia Dr, Hedgeside Ave, Professional Dr, Palestrina Dr, Elfrada Crossing St, Pamela Dr, Sacramento St, Tower Rd$621
Rapp Ln, Macmillan St, Cynthia Ct, E 3rd Ave, York St, Scally Ln, State Hwy 221, Byway E, Via Firenze, Greenwood Rd$727
Cross St, Beechwood Ct, Harding Ave, Underhill Dr, Round Hill Cir, Cottage Cove Ln, Shasta Ave, Hunters Cir, Mission Ct, William Ct$658
Cabot Way, Windsor St, Alpine Ct, Lawrence St, Alta Mesa Cir, Deerpark Ln, Sparrow Ct, Falcon Crest Cir, Maximilian Ct, S Kelly Rd$609
Oakville Ridge Rd, Hemlock St, Maui Way, Stanislaus Ln, Yellowstone St, San Carlos Dr, Golden Brook Ln, Middle Ave, Packard Ct, Elliott Dr$647
Cayetano Dr, Wild Horse Valley Rd, Pinnacle Peak St, Sonoma St, Oakcrest Ct, Blossom Ct W, Monticello Rd, Chaparral Cir, B St, Pall Mall Ct$718
Liberty Dr, Wood Duck Ct, Polley Dr, Ridge Dr, Kaanapali Dr, Mac Leod St, Fountain Grove Cir, Sierra Ave, Madison St, Airpark Rd$708
Mac Donald St, Stonegate Ln, Hillcrest Dr, Grant St, Walden Ln, Baywood Ln, Toscana Dr, Theresa Ave, Yajome St, School St$626
Cardinal Ct, Cantada Way, Newell Cir, el Capitan Way, Gordon Valley Rd, Lutge Ct, Kenwood St, Jana Way, Wooden Valley Cross Rd, Arcadia Ct$727

Insurance rates are influenced by a number of factors including:

  • Year Built: 6,183 Homes (13% of total homes ) built between 1980 to 1989 in Napa are paying home insurance between $951-$961. Places close to Napa, CA such as Silverado Resort, Yountville, Green Valley are more expensive by $134, $43, $47 respectively while Moskowite Corner and American Canyon are cheaper by $97 and $24 respectively for similar homes.
  • Bedrooms: 12,548 2 bedrooms homes (29% of total homes ) in Napa are paying about $192 in contrast with Silverado Resort (+$27), Green Valley (+$3), Sonoma (+$5), Moskowite Corner (-$14) and American Canyon (-$5).
  • Auto Insurance Bundling: 8,229 Households (32% of all households) in Napa have 3 or more vehicles available and when it is bundled with home insurance you can save $159 compared to Silverado Resort ($181), Yountville ($166), Green Valley ($167).
  • Senior Discounts: 13,854 seniors (more than 55 years) occupied housing units (54% of total) in Napa get discounts between $95 to $97. The comparative concessions in proximate regions such as Silverado Resort, Yountville and Green Valley are $109, $99 and $100 respectively.
  • New Homes discounts: New homes such as the 17,991 homes built between 2000 to 2009 in Napa can save $127 and varies from Silverado Resort ($145), Yountville ($133), Green Valley ($133).

Napa Homeowners insurance Facts

  • Napa, CA has 25,625 owner occupied houses which is 62.7% of all units whereas Silverado Resort, Yountville and Green Valley have 81.17%, 68.75% and 97.6% respectively.
  • Napa, CA homeowners yearly insurance price at $638 is 0.15% of the typical house value of $439,800 which is in contrast with 0.07% in Silverado Resort, 0.11% at Yountville & 0.1% in Green Valley.
  • Homeowners in Napa, CA pay 0.95% of their income ($60,000 to $74,999) in insurance whereas homeowners in Silverado Resort, Yountville and Green Valley pay 1.08%, 0.99% and 0.99% respectively.
  • Napa, CA’s insurance is 2.1% of monthly housing costs of $2,561/month, for owners with a mortgage compared to 1.55% in Silverado Resort, 1.96% at Yountville & 1.76% in Green Valley. But, for households without a mortgage, insurance is 10.0% of costs ($530 in Napa, CA) in contrast with 6.06% in Silverado Resort, 9.08% at Yountville & 6.52% in Green Valley.

Napa, CA Home Values & Insurance rates

For example, insurance for 1,370 Homes (12.0% of total homes ) valued between $250,000 to $299,999 in Napa, CA is about $395. Rates in nearby areas in such as Yountville, Green Valley, Sonoma are cheaper by $102, $108, $68 respectively while American Canyon and Boyes Hot Springs are costlier by $108 and $22 respectively for similar homes.

Napa, CA Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 957 8.0% $31
$60,000 to $69,999 245 2.0% $89
$70,000 to $79,999 306 2.0% $108
$80,000 to $89,999 247 2.0% $121
$90,000 to $99,999 118 1.0% $133
$100,000 to $124,999 219 1.0% $159
$125,000 to $149,999 231 2.0% $197
$150,000 to $174,999 484 4.0% $229
$175,000 to $199,999 526 4.0% $267
$200,000 to $249,999 1,613 14.0% $325
$250,000 to $299,999 1,370 12.0% $395
$300,000 to $399,999 4,822 43.0% $504

Renters Insurance in Napa

  • Average Renters Insurance in Napa :  $119($9/month)

  • Median Gross Rent in Napa :  $1,300

  • Napa Renters Insurance to Median Rent Ratio:  0.69%

  • Renter occupied housing units in Napa :  15,217

Napa Renters Insurance as a Percentage of Rent

Napa Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 324 2.0% $779
$300 to $499 444 3.0% $1229
$500 to $749 943 6.0% $1904
$750 to $999 2,024 13.0% $2654
$1,000 to $1,499 5,435 37.0% $3779
$1,500 or more 5,462 37.0% $5429

Rent Affordability in Napa:

Approximately 47.0% (7,170) of households are spending more than 35% of their income on gross rent in Napa

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 1,140 7.0%
15.0 to 19.9 percent 1,752 11.0%
20.0 to 24.9 percent 1,529 10.0%
25.0 to 29.9 percent 2,118 13.0%
30.0 to 34.9 percent 1,508 9.0%
35.0 percent or more 7,170 47.0%

Protective device discount in Napa Up to :  $17

Claims-free discount in Napa Up to :  $23