Rancho Cordova Insurance Rates:

Rancho Cordova, CA home insurance is approximately $512 to $694, about $42-$57/month. Our in depth research indicates shoppers can save upto $241 by getting multiple quotes

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

Rancho Cordova Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Travelers
Home Insurance Rate of $110/3 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $220,000

3 Beds, 3 Baths 1620 sqft Primary Residence Constructed In 1994 with Carpet over wood flooring, Metal Roof, Slab Foundation, Fiber-Cement Siding, Brick Frame. Home Features Include Deadbolt Locks, Smoke Alarm, Fire Extinguisher, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

67 Years old Married Male 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

  • 550-599 Credit Score

  • Guests at home

Home Insurance Rate of $160/6 months for $100000-$125000 Coverage
Policy Holder Home Details :

Home Value : $140,000

3 Beds, 3 Baths 1380 sqft Seasonal Residence Constructed In 1990 with Carpet over wood flooring, Slate Shingles Roof, Slab Foundation, Stone Siding, Metal Frame Construction. Home Features Include Fire Extinguisher, Smoke Alarm, Central Air Conditioning, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

25 Years old Married Female who has a Full Time Job with household income of $100-$150,000 and has No Pets and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • Up to 499 Credit Score

Home Insurance Rate of $670/9 months for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $325,000

4 Beds, 4 Baths 3020 sqft Rental Property Constructed In 1962 with Stone Flooring, Shingles Roof, Crawl Space Foundation, Vinyl siding, Wood Frame. Home Features Include Central Air Conditioning, Smoke Alarm, Swimming Pool, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

23 Years old Married Female 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

  • 500-549 Credit Score

  • Seniors staying at home

Home Insurance Rate of $190/3 months for $200,000-$250,000 Coverage
Policy Holder Home Details :

Home Value : $205,000

3 Beds, 3 Baths 1240 sqft Primary Residence Constructed In 1966 with Wood Flooring, Membrane Roof, Piers Foundation, Wood siding, Wood Frame. Home Features Include Deadbolt Locks, Swimming Pool, Smoke Alarm, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

73 Years old Married Male who has a Full Time Job with household income of more than $150,000 and has 1 Pet and is a Smoker

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

  • 550-599 Credit Score

Rancho Cordova, CA Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
95742 $298,800 $620

Rancho Cordova Rates & Quotes Analysis:

Rancho Cordova Area Estimated House Insurance
Abington Way, Trade Center Dr, Copper Sunset Way, Round House Ct, Ashgrove Way, el Caprice Dr, Harvest View Way, Appalachian Dr, Appolonius Dr, Bridlewood Dr$592
Defiance Cir, Ellenbrook Dr, Ramo Ct, Mapola Way, Kachina Way, Cuyamaca Dr, Cecile Way, Moonbeam Dr, Citrus Rd, Golden Eagle Way$595
Sandy Bar Ct, Bouquet Ct, Peter A McCuen Blvd, Carmenet Way, Pullman Dr, Caldera Way, Beatty Dr, Sarah Royce Ct, Kouros Way, Golden Pond Way$612
Kellogg Way, Truemper Way, Cypresswood Way, S White Rock Rd, Melones Cir, Nosler Ct, Grayson Way, el Portal Way, Rhine River Ct, Apperly Way$603
Rosemont Dr, Key West Way, Marissa Way, Humphries Ct, Mallard Lake Way, Ribier Way, Stedway Ct, Canyonlands Dr, Argolis Way, Machias Pl$621
Branigan Lake Way, Larisa Way, Sterling Wood Way, Armstrong Ave, Riley Anton Way, Brahmin Way, Gumtree Dr, Romford Way, Astral Dr, Peachdale Ct$616
Vanier Ct, Mendonca Dr, Van Nuys Way, Johnson Ave, Glenmoor Dr, Mira River Ct, Casals St, Discovery Village Ln, Spellbinder Ct, Levi Strauss Ct$636
el Cino Ct, Rosenstock Way, River Rose Way, Mills Park Dr, Luyung Dr, Leann Dr, Gadsten Way, Minturn Way, Negrara Way, Binchy Way$621
el Burlon Cir, Cobblestone Dr, Henley Way, Meadow Green Cir, Steccato Dr, Londonderry Dr, Hunt Dr, Brazos River Ct, Nederland Way, Rough Gold Ct$603
Wyalong Way, Audubon Way, Serpentine Ct, Rosecliff Cir, Fusilier Way, King Way, Mills Station Rd, Queens Arbor Dr, Pinckney Way, Carla Way$614

Insurance rates are influenced by a number of factors including:

  • Year Built: 6,611 Homes (14% of total homes ) built between 1960 to 1969 in Rancho Cordova are paying home insurance between $1,056-$1,065. Places close to Rancho Cordova, CA such as Mather, Gold River, Fair Oaks are more expensive by $15, $49, $43 respectively while North Highlands and Foothill Farms are cheaper by $21 and $16 respectively for similar homes.
  • Bedrooms: 9,172 4 bedrooms homes (20% of total homes ) in Rancho Cordova are paying about $374. Areas near to Rancho Cordova such as Gold River, Fair Oaks, Carmichael are costlier by $18, $16, $8 respectively whereas Rosemont and North Highlands are more economical by $8, $12 respectively for similar homes.
  • Auto Insurance Bundling: 5,836 Households (23% of all households) in Rancho Cordova have 3 or more vehicles available and when it is bundled with home insurance you can save $150 compared to Mather ($153), Gold River ($157), Fair Oaks ($157).
  • Senior Discounts: 11,320 seniors (more than 55 years) occupied housing units (45% of total) in Rancho Cordova get discounts between $90 to $92 and varies from Mather ($91), Gold River ($94), La Riviera ($90).
  • New Homes discounts: New homes such as the 15,691 homes built between 2000 to 2009 in Rancho Cordova can save $120 and similar new home insurance discounts in nearby towns and cities like Mather, Gold River and Fair Oaks are $122, $126 and $125 respectively.

Rancho Cordova Homeowners insurance Facts

  • Rancho Cordova, CA has 24,881 owner occupied houses which is 59.8% of all units whereas Mather, Gold River and Fair Oaks have 68.43%, 85.24% and 67.44% respectively.
  • Rancho Cordova, CA homeowners yearly insurance price at $603 is 0.27% of the typical house value of $222,800 which is in contrast with 0.22% in Mather, 0.16% at Gold River & 0.16% in Fair Oaks.
  • Homeowners in Rancho Cordova, CA pay 2.68% of their income ($20,000 to $24,999) in insurance whereas homeowners in Mather, Gold River and Fair Oaks pay 2.72%, 2.8% and 2.79% respectively.
  • Rancho Cordova, CA’s insurance is 2.7% of monthly housing costs of $1,852/month, for owners with a mortgage compared to 2.26% in Mather, 2.13% at Gold River & 2.31% in Fair Oaks. But, for households without a mortgage, insurance is 11.6% of costs ($432 in Rancho Cordova, CA) in contrast with 9.07% in Mather, 7.62% at Gold River & 9.58% in Fair Oaks.

Rancho Cordova, CA Home Values & Insurance rates

For example, insurance for 1,589 Homes (7.0% of total homes ) valued between $125,000 to $149,999 in Rancho Cordova, CA is about $367. Rates in nearby areas in such as Fair Oaks, Carmichael, Arden-Arcade are cheaper by $141, $91, $79 respectively while La Riviera and Rosemont are costlier by $12 and $40 respectively for similar homes.

Rancho Cordova, CA Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 1,319 5.0% $66
$90,000 to $99,999 328 1.0% $253
$100,000 to $124,999 986 4.0% $295
$125,000 to $149,999 1,589 7.0% $367
$150,000 to $174,999 2,694 12.0% $434
$175,000 to $199,999 2,697 12.0% $506
$200,000 to $249,999 4,776 21.0% $609
$250,000 to $299,999 3,252 14.0% $741
$300,000 to $399,999 4,041 18.0% $946

Renters Insurance in Rancho Cordova

  • Average Renters Insurance in Rancho Cordova :  $193($16/month)

  • Median Gross Rent in Rancho Cordova :  $1,017

  • Rancho Cordova Renters Insurance to Median Rent Ratio:  1.57%

  • Average household size of renter-occupied unit :  2.73

Rancho Cordova Renters Insurance as a Percentage of Rent

Rancho Cordova Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 450 2.0% $798
$300 to $499 364 2.0% $1248
$500 to $749 1,552 9.0% $1923
$750 to $999 5,451 33.0% $2673
$1,000 to $1,499 6,066 37.0% $3798
$1,500 or more 2,355 14.0% $5448

Rent Affordability in Rancho Cordova:

Approximately 48.0% (8,099) of households are spending more than 35% of their income on gross rent in Rancho Cordova

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 1,392 8.0%
15.0 to 19.9 percent 1,748 10.0%
20.0 to 24.9 percent 1,693 10.0%
25.0 to 29.9 percent 2,158 12.0%
30.0 to 34.9 percent 1,659 9.0%
35.0 percent or more 8,099 48.0%

Rancho Cordova Renters Insurance Discounts:

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

Number of Vehicles in Rancho Cordova, CA Number of Housing Units % of Total Renters Insurance Insurance Savings by Bundling Auto Insurance
1 vehicle available 7,517 44.0% $19.3
2 vehicles available 4,939 29.0% $28.95
3 or more vehicles available 2,015 12.0% $38.6

Protective device discount in Rancho Cordova Up to :  $28

Claims-free discount in Rancho Cordova Up to :  $38