Red Bluff Insurance Rates:

Red Bluff, CA home insurance is approximately $508 to $690, about $42-$57/month. Our in depth research indicates shoppers can save upto $239 by getting multiple quotes

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

Red Bluff Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Travelers
Home Insurance Rate of $350/7 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $230,000

3 Beds, 3 Baths 2130 sqft Rental Property Constructed In 2013 with Stone Flooring, Tile Roof, Crawl Space Foundation, Stone Siding, Metal Frame Construction. Home Features Include Copper Water Pipes, Fireplace, Fire Extinguisher, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

65 Years old Married Male who is Retired with household income of less than $25,000 and has 3 Pets and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 550-599 Credit Score

Home Insurance Rate of $360/9 months for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $365,000

4 Beds, 4 Baths 2730 sqft Vacation Property Constructed In 1975 with Carpet Flooring, Shingles Roof, Chainwall Foundation, Stone Siding, Stucco Construction. Home Features Include Swimming Pool, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

52 Years old Married Male who has a Full Time Job with household income of $75-$100,000 and has 2 Pets and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 650-699 Credit Score

Home Insurance Rate of $220/10 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $205,000

4 Beds, 4 Bath 1890 sqft Primary Residence Constructed In 1985 with Stone Flooring, Asphalt Shingles Roof, Slab Foundation, Stucco siding, Brick Frame. Home Features Include Copper Water Pipes, Smoke Alarm, Central Air Conditioning, Indoor Sprinklers, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

40 Years old Married Female who has a Full Time Job with household income of $50-$75,000 and has 1 Pet and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 550-599 Credit Score

  • Guests at home

Home Insurance Rate of $360/4 months for $350000-$400000 Coverage
Policy Holder Home Details :

Home Value : $330,000

4 Beds, 4 Bath 3040 sqft Seasonal Residence Constructed In 1996 with Wood Flooring, Membrane Roof, Piers Foundation, Stone Siding, Stucco Construction. Home Features Include Indoor Sprinklers, Copper Water Pipes, Central Air Conditioning, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

64 Years old Single Male who is Retired and has 1 Pet and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 650-699 Credit Score

  • Seniors staying at home

Home Insurance Rate of $300/6 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $195,000

4 Beds, 4 Bath 1890 sqft Rental Property Constructed In 1983 with Ceramic Tile Flooring, Asphalt Shingles Roof, Piers Foundation, Stone Siding, Brick Frame. Home Features Include Fireplace, Fire Extinguisher, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

40 Years old Divorced Female who has a Part Time Job with household income of less than $25,000 and has 3 Pets and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 500-549 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $650/12 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $250,000

4 Beds, 4 Baths 2070 sqft Vacation Property Constructed In 1981 with Hardwood Flooring, Composition Roof, Slab Foundation, Vinyl siding, Stucco Construction. Home Features Include Fireplace, Indoor Sprinklers, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

50 Years old Divorced Male who is a Freelancer with household income of more than $150,000 and has No Pets and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 600-649 Credit Score

Home Insurance Rate of $200/4 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $270,000

4 Beds, 4 Bath 2630 sqft Vacation Property Constructed In 1979 with Carpet Flooring, Shingles Roof, Chainwall Foundation, Stucco siding, Wood Frame. Home Features Include Deadbolt Locks, Copper Water Pipes, Indoor Sprinklers, Fireplace, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

69 Years old Single Male who is Retired with household income of $25-50,000 and has 2 Pets and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 550-599 Credit Score

  • Guests at home

Home Insurance Rate of $330/4 months for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $295,000

4 Beds, 4 Baths 2700 sqft Rental Property Constructed In 1964 with Ceramic Tile Flooring, Metal Roof, Piers Foundation, Wood siding, Brick Frame. Home Features Include Swimming Pool, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

53 Years old Married Female who is a Freelancer with household income of $25-50,000 and has 1 Pet and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 600-649 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $530/7 months for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $265,000

3 Beds, 3 Bath 2170 sqft Primary Residence Constructed In 1996 with Carpet Flooring, Slate Shingles Roof, Slab Foundation, Fiber-Cement Siding, Metal Frame Construction. Home Features Include Swimming Pool, Indoor Sprinklers, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

23 Years old Married 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

  • 650-699 Credit Score

  • Guests at home

Home Insurance Rate of $390/9 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $280,000

4 Beds, 4 Bath 2340 sqft Vacation Property Constructed In 1962 with Wood Flooring, Tile Roof, Crawl Space Foundation, Vinyl siding, Wood Frame. Home Features Include Swimming Pool, Central Air Conditioning, Indoor Sprinklers, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

66 Years old Single Female who is a Freelancer with household income of $25-50,000 and has 2 Pets and is a Non-Smoker

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

  • 800-850 Credit Score

  • Guests at home

Red Bluff, CA Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
96080 $194,500 $600

Red Bluff Rates & Quotes Analysis:

Red Bluff Area Estimated House Insurance
Fortier Rd, Kaer Ave, Mariposa Ave, East Ave, Wiltsey Rd, Caylor Ln, Mallorca Ln, Lassen Dr, Hooker Creek Rd, Lake California Dr$604
Sherwood Blvd, Betz Ln, Co Rte A5, Mohr Rd, Hernandez Rd, Thomes Ave, Vallecito Ct, Robinson Dr, Zapatero Ln, Musick Ave$594
Deer Crest Trl, Issac Dr, Doe Run Way, Vaquero Ln, Nicklaus Ave, Wetter Way, Fir Way, Juanita Ct, Vina Rd, Colony Rd$604
Boyd Ln, Wanda Ct, Rio Vista Ave, Lincoln St, C Rd, Connie Ln, Po Boy Ln, Franzel Rd, Stice Rd, Meadowview Dr$595
Jefferson Ave, W Wallen Rd, Alder St, Kellogg Ct, el Cajon Dr, Oasis Spring Ranch Rd, Kobbuntie, Alden Dr, Feather River Pl, Alden Ct$598
Reno Ave, Squaw Pl, Penner Dr, Ridgewood Rd, A St, de Anza Ln, Stanford Ave, Redlands Ave, Auction Yard Rd, Rio St$604
Tehama Rd, Ashurst St, Pioneer Ct, Village Dr, Hoy Rd, Sycamore Ave, Grace Way, Long Rd, Greystone Ct, Frontier Dr$607
Pugh Ave, Sherman St, Elm St, Baldy Pl, Spring Creek Rd, Moose Way, Lillte Oak Ln, Hatfield Rd, Sunwest Ct, Smith Ave$603
River Heights Dr, Caribou Rd, Rainbow Ridge Pl, Machs Way, Palomino Dr, Way Out Ln, Sawtooth Dr, Oat Ave, Trevino Ct, Benson Rd$605
Minch Rd, Wilcox Rd, Reeves Ct, Draper Rd, Dove Ave, Washington St, Crosby Ln, Whispering Oaks Dr, State Hwy 99 E, Root Ave$611

Insurance rates are influenced by a number of factors including:

  • Year Built: 2,999 Homes (17% of total) built between 1980 to 1989 in Red Bluff are paying home insurance between $893-$902 and varies from Bend (+$21), Flournoy (+$35), Redding (+$10), Gerber (-$16) and Los Molinos (-$13).
  • Bedrooms: 8,799 3 bedrooms homes (51% of total homes ) in Red Bluff are paying about $228 and differs from Bend (+$5), Flournoy (+$3), Millville (+$10), Tehama County (-$7) and Gerber (-$4).
  • Auto Insurance Bundling: 4,299 Households (42% of all households) in Red Bluff have 2 vehicles available and when it is bundled with home insurance you can save $119. Discounts for similar bundling in close by locations such as Bend, Tehama County, Proberta come to $122, $119, $118 respectively.
  • Senior Discounts: 6,042 seniors (more than 55 years) occupied housing units (59% of total) in Red Bluff get discounts between $89 to $92 in contrast with Bend ($91), Tehama County ($89), Proberta ($88).
  • New Homes discounts: New homes such as the 6,874 homes built between 2000 to 2009 in Red Bluff can save $119 and similar new home insurance discounts in nearby towns and cities like Bend, Tehama County and Proberta are $122, $119 and $118 respectively.

Red Bluff Homeowners insurance Facts

  • Red Bluff, CA has 10,122 owner occupied houses which is 65.1% of all units whereas Bend, Tehama County and Proberta have 85.77%, 65.32% and 61.54% respectively.
  • Red Bluff, CA homeowners yearly insurance price at $599 is 0.3% of the typical house value of $200,700 which is in contrast with 0.21% in Bend, 0.32% at Tehama County & 0.36% in Proberta.
  • Homeowners in Red Bluff, CA pay 1.04% of their income ($45,000 to $49,999) in insurance whereas homeowners in Bend, Tehama County and Lake California pay 1.07%, 1.04% and 1.05% respectively.
  • Red Bluff, CA’s insurance is 3.5% of monthly housing costs of $1,447/month, for owners with a mortgage compared to 3.03% in Bend, 3.55% at Tehama County & 2.71% in Lake California. But, for households without a mortgage, insurance is 15.0% of costs ($333 in Red Bluff, CA) in contrast with 11.8% in Bend, 15.17% at Tehama County & 9.07% in Lake California.

Red Bluff, CA Home Values & Insurance rates

For example, insurance for 788 Homes (8.0% of total homes ) valued between Less than $50,000 in Red Bluff, CA is about $71. Rates in nearby areas in such as Bend, Flournoy, Palo Cedro are cheaper by $22, $28, $28 respectively while Tehama County and Gerber are costlier by $6 and $34 respectively for similar homes.

Red Bluff, CA Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 788 8.0% $71
$50,000 to $59,999 219 2.0% $155
$60,000 to $69,999 124 1.0% $191
$70,000 to $79,999 201 2.0% $221
$80,000 to $89,999 131 1.0% $251
$90,000 to $99,999 227 2.0% $281
$100,000 to $124,999 903 10.0% $323
$125,000 to $149,999 681 7.0% $407
$150,000 to $174,999 1,002 11.0% $479
$175,000 to $199,999 763 8.0% $557
$200,000 to $249,999 1,602 17.0% $670
$250,000 to $299,999 1,256 14.0% $820
$300,000 to $399,999 1,046 11.0% $1042

Renters Insurance in Red Bluff

  • Average Renters Insurance in Red Bluff :  $201($16/month)

  • Median Gross Rent in Red Bluff :  $811

  • Red Bluff Renters Insurance to Median Rent Ratio:  1.97%

  • Renter occupied housing units in Red Bluff :  5,432

Red Bluff Renters Insurance as a Percentage of Rent

Red Bluff Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 143 2.0% $800
$300 to $499 553 11.0% $1250
$500 to $749 1,349 26.0% $1925
$750 to $999 1,390 27.0% $2675
$1,000 to $1,499 1,223 24.0% $3800
$1,500 or more 306 6.0% $5450

Rent Affordability in Red Bluff:

Approximately 46.0% (2,504) of households are spending more than 35% of their income on gross rent in Red Bluff

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 578 10.0%
15.0 to 19.9 percent 487 8.0%
20.0 to 24.9 percent 563 10.0%
25.0 to 29.9 percent 657 12.0%
30.0 to 34.9 percent 643 11.0%
35.0 percent or more 2,504 46.0%

Red Bluff Renters Insurance Discounts:

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

Number of Vehicles in Red Bluff, CA Number of Housing Units % of Total Renters Insurance Insurance Savings by Bundling Auto Insurance
1 vehicle available 2,409 44.0% $20.1
2 vehicles available 1,858 34.0% $30.15
3 or more vehicles available 503 9.0% $40.2

Protective device discount in Red Bluff Up to :  $30

Claims-free discount in Red Bluff Up to :  $40