Petaluma Insurance Rates:

Petaluma, CA home insurance is approximately $539 to $729, about $44-$60/month. Our complete research shows customers can save as much as $253 by comparing different quotes

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Petaluma, California Homeowners Insurance Reviews separate truth from fantasy. Compare realistic quotes from the most best home insurance providers.

Petaluma Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
State Farm
Home Insurance Rate of $770/9 months for $600000-$700000 Coverage
Policy Holder Home Details :

Home Value : $515,000

4 Beds, 4 Bath 2450 sqft Vacation Property Constructed In 2009 with Hardwood Flooring, Wood Shake Roof, Piers Foundation, Fiber-Cement Siding, Brick Frame. Home Features Include Deadbolt Locks, Swimming Pool, Central Air Conditioning, Smoke Alarm, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

63 Years old Divorced Male who is Unemployed and has 2 Pets and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 500-549 Credit Score

  • Guests at home

Home Insurance Rate of $180/3 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $270,000

2 Beds, 2 Bath 1610 sqft Seasonal Residence Constructed In 1995 with Carpet Flooring, Slate Shingles Roof, Slab Foundation, Stone Siding, Brick Frame. Home Features Include Deadbolt Locks, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

37 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

  • 600-649 Credit Score

Home Insurance Rate of $260/2 months for $600000-$700000 Coverage
Policy Holder Home Details :

Home Value : $585,000

5 Beds, 5 Baths 2450 sqft Primary Residence Constructed In 1984 with Wood Flooring, Wood Shake Roof, Crawl Space Foundation, Brick siding, Metal Frame Construction. Home Features Include Swimming Pool, Deadbolt Locks, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

46 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 :
  • 0-25% through paying our mortgage

  • 550-599 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $840/3 months for $600,000-$700,000 Coverage
Policy Holder Home Details :

Home Value : $655,000

3 Beds, 3 Baths 1779 sqft Primary Residence Constructed In 1977 with Hardwood Flooring, Asphalt Shingles Roof, Piers Foundation, Stone Siding, Metal Frame Construction. Home Features Include Swimming Pool, Central Air Conditioning, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

26 Years old Single Male who has a Part Time Job with household income of less than $25,000 and has 1 Pet and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 600-649 Credit Score

  • Seniors staying at home

  • Guests at home

Petaluma, CA Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
94952 $561,200 $670
94954 $428,900 $650

Petaluma Rates & Quotes Analysis:

Petaluma Area Estimated House Insurance
Windmill Farms Dr, Goodwin Ave, Orr Ranch Rd, Dyquiato Way, Issel Ct, Adobe Ln, Pamela Ct, Blue Heron Pl, Loma Linda Dr, Prospect St$622
Meridian Cir, Rumson Ct, Adrian Ct, Horn Ave, Thomas Ln, Fern Ave, W Napa Dr, Seavey Rd, Condor Ct, Doris Way$692
Curtis Dr, Bonita Way, Copeland Creek Dr, Wynoochee Way, Grey St, Veronda Ave, Union St, Batchelor Ter, Parent Way, Montero Dr$595
Dorine Ave, Hunter Dr, Blodgett St, Cedarwood Ln, White Oak Way, San Simeon Dr, Weatherby Ct, Burnham Ct, Bryce Canyon Ct, Maria Dr$621
Linnet Ln, Petaluma Blvd S, Laredo St, Timberline Ln, Anson Ct, Lynne Conde Way, Creekview Cir, Crown Rd, Cordelia Dr, Pinewood Way$612
Miramonte Pl, Landsdown Cir, Fawn Ln, Round Walk Village Cir, Benedetti Ct, Greenbriar Cir, Elm Dr, Ross St, Dana St, Live Oak Dr$626
Ramona Ln, Maureen Ln, Bessie Mae Ln, Sarah Way, Liberty St, Honor Pl, el Rancho Dr, Brett Ave, Eichten Ln, Professional Dr$618
D St Exn, Reynolds Dr, Parker Ln, Fall Ct, Cerro Sonoma Cir, St Joseph Way, Delano St, Jasmine Ln, Capistrano Way, Oneel Dr$631
Mercedes Way, Cinnabar Ave, S Ely Rd, Dandelion Way, Shelina Vista Way, Macklin Dr, Mason Dr, Monique Pl, Southwest Blvd, Loretto Ave$624
Crinella Dr, San Rafael Dr, McKenzie Dr, Atlantic Ct, Idaho Ave, W Haven Way, Acorn Dr, Clearview Ct, Chester Dr, Rand St$627

Insurance rates are influenced by a number of factors including:

  • Year Built: 12,586 Homes (25% of total) built between 1970 to 1979 in Petaluma are paying home insurance between $1,027-$1,037 and varies from Penngrove (+$73), El Verano (+$24), Glen Ellen (+$55), Cotati (-$12) and Rohnert Park (-$24).
  • Bedrooms: 9,379 4 bedrooms homes (19% of total homes ) in Petaluma are paying about $387. Areas near to Petaluma such as Penngrove, El Verano, Eldridge are costlier by $28, $15, $6 respectively whereas Rohnert Park and Roseland are more economical by $3, $14 respectively for similar homes.
  • Auto Insurance Bundling: 9,116 Households (31% of all households) in Petaluma have 3 or more vehicles available and when it is bundled with home insurance you can save $158 and differs from Penngrove ($169), Cotati ($156), Rohnert Park ($154).
  • Senior Discounts: 14,621 seniors (more than 55 years) occupied housing units (50% of total) in Petaluma get discounts between $94 to $97. The comparative concessions in proximate regions such as Penngrove, Cotati and Rohnert Park are $101, $93 and $92 respectively.
  • New Homes discounts: New homes such as the 14,809 homes built between 2000 to 2009 in Petaluma can save $126 and similar new home insurance discounts in nearby towns and cities like Penngrove, Cotati and Rohnert Park are $135, $125 and $123 respectively.

Petaluma Homeowners insurance Facts

  • Petaluma, CA has 28,856 owner occupied houses which is 61.4% of all units whereas Penngrove, Cotati and Rohnert Park have 56.22%, 55.25% and 54.25% respectively.
  • Petaluma, CA homeowners yearly insurance price at $634 is 0.15% of the typical house value of $418,200 which is in contrast with 0.1% in Penngrove, 0.17% at Cotati & 0.19% in Rohnert Park.
  • Homeowners in Petaluma, CA pay 3.62% of their income ($15,000 to $19,999) in insurance whereas homeowners in Penngrove, Cotati and Rohnert Park pay 3.88%, 3.58% and 3.54% respectively.
  • Petaluma, CA’s insurance is 2.2% of monthly housing costs of $2,421/month, for owners with a mortgage compared to 1.72% in Penngrove, 2.39% at Cotati & 2.42% in Rohnert Park. But, for households without a mortgage, insurance is 10.6% of costs ($501 in Petaluma, CA) in contrast with 9.87% in Penngrove, 9.73% at Cotati & 8.97% in Rohnert Park.

Petaluma, CA Home Values & Insurance rates

For example, insurance for 6,442 Homes (48.0% of total homes ) valued between $300,000 to $399,999 in Petaluma, CA is about $526. Rates in nearby areas in such as Penngrove, El Verano, Glen Ellen are cheaper by $194, $79, $159 respectively while Cotati and Rohnert Park are costlier by $74 and $142 respectively for similar homes.

Petaluma, CA Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 983 7.0% $31
$50,000 to $59,999 162 1.0% $76
$60,000 to $69,999 255 1.0% $95
$70,000 to $79,999 218 1.0% $107
$80,000 to $89,999 160 1.0% $126
$90,000 to $99,999 215 1.0% $139
$100,000 to $124,999 511 3.0% $164
$125,000 to $149,999 431 3.0% $202
$150,000 to $174,999 602 4.0% $240
$175,000 to $199,999 322 2.0% $278
$200,000 to $249,999 1,167 8.0% $336
$250,000 to $299,999 1,934 14.0% $412
$300,000 to $399,999 6,442 48.0% $526

Renters Insurance in Petaluma

  • Average Renters Insurance in Petaluma :  $127($10/month)

  • Median Gross Rent in Petaluma :  $1,303

  • Petaluma Renters Insurance to Median Rent Ratio:  0.77%

  • Renter occupied housing units in Petaluma :  18,171

Petaluma Renters Insurance as a Percentage of Rent

Petaluma Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 219 1.0% $331
$200 to $299 283 1.0% $781
$300 to $499 582 3.0% $1231
$500 to $749 625 3.0% $1906
$750 to $999 2,643 15.0% $2656
$1,000 to $1,499 6,928 39.0% $3781
$1,500 or more 6,310 35.0% $5431

Rent Affordability in Petaluma:

Approximately 50.0% (9,162) of households are spending more than 35% of their income on gross rent in Petaluma

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 1,433 7.0%
15.0 to 19.9 percent 1,931 10.0%
20.0 to 24.9 percent 2,185 12.0%
25.0 to 29.9 percent 2,187 12.0%
30.0 to 34.9 percent 1,273 7.0%
35.0 percent or more 9,162 50.0%

Petaluma Renters Insurance Discounts:

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

Number of Vehicles in Petaluma, CA Number of Housing Units % of Total Renters Insurance Insurance Savings by Bundling Auto Insurance
1 vehicle available 7,348 40.0% $12.7
2 vehicles available 6,699 36.0% $19.05
3 or more vehicles available 2,576 14.0% $25.4

Petaluma Senior Citizen Discounts:

Age Senior Occupied Housing Units % of Total Discount offered
55 to 59 years 1,244 6.0% $130
60 to 64 years 1,205 6.0% $104
65 to 74 years 868 4.0% $84
75 years and over 1,204 6.0% $65

Protective device discount in Petaluma Up to :  $19

Claims-free discount in Petaluma Up to :  $25