Rocklin Insurance Rates:

Rocklin, CA home insurance is roughly $535 to $726, about $44-$60/month. Our comprehensive guide reveals consumers can save as much as $252 by getting many quotes

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Rocklin Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
State Farm
Home Insurance Rate of $170/2 months for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $425,000

5 Beds, 5 Bath 2470 sqft Vacation Property Constructed In 2010 with Ceramic Tile Flooring, Composition Roof, Chainwall Foundation, Stucco siding, Wood Frame. Home Features Include Fire Extinguisher, Fireplace, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

37 Years old Single Male who is a Freelancer with household income of more than $150,000 and has 1 Pet and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 650-699 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $340/4 months for $500000-$600000 Coverage
Policy Holder Home Details :

Home Value : $520,000

3 Beds, 3 Bath 2380 sqft Rental Property Constructed In 2003 with Carpet Flooring, Asphalt Shingles Roof, Slab Foundation, Wood siding, Wood Frame. Home Features Include Fire Extinguisher, Central Air Conditioning, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

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

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

  • 550-599 Credit Score

Home Insurance Rate of $520/5 months for $600000-$700000 Coverage
Policy Holder Home Details :

Home Value : $630,000

5 Beds, 5 Baths 3310 sqft Seasonal Residence Constructed In 1980 with Ceramic Tile Flooring, Wood Shake Roof, Piers Foundation, Vinyl siding, Stucco Construction. Home Features Include Fire Extinguisher, Smoke Alarm, Swimming Pool, Fireplace, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

47 Years old Married Male who is Unemployed and has 3 Pets and is a Non-Smoker

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

  • 800-850 Credit Score

Home Insurance Rate of $440/4 months for $800000-$900000 Coverage
Policy Holder Home Details :

Home Value : $780,000

5 Beds, 5 Baths 3720 sqft Rental Property Constructed In 1984 with Ceramic Tile Flooring, Slate Shingles Roof, Crawl Space Foundation, Stucco siding, Wood Frame. Home Features Include Copper Water Pipes, Indoor Sprinklers, Fire Extinguisher, Smoke Alarm, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

41 Years old Married Female who is a Freelancer with household income of less than $25,000 and has 3 Pets 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 $130/2 months for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $410,000

4 Beds, 4 Bath 2200 sqft Seasonal Residence Constructed In 2014 with Carpet Flooring, Composition Roof, Crawl Space Foundation, Wood siding, Metal Frame Construction. Home Features Include Fire Extinguisher, Fireplace, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

39 Years old Divorced Female who has a Full Time Job with household income of $25-50,000 and has 1 Pet and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 600-649 Credit Score

  • Guests at home

Home Insurance Rate of $100/1 month for $400000-$500000 Coverage
Policy Holder Home Details :

Home Value : $450,000

5 Beds, 5 Baths 2770 sqft Primary Residence Constructed In 2009 with Hardwood Flooring, Slate Shingles Roof, Crawl Space Foundation, Brick siding, Wood Frame. Home Features Include Smoke Alarm, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

55 Years old Single Male who has a Full Time Job with household income of $25-50,000 and has More than 3 Pets at home and is a Smoker

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

  • 750-799 Credit Score

  • Seniors staying at home

Home Insurance Rate of $50/1 month for $350000-$400000 Coverage
Policy Holder Home Details :

Home Value : $410,000

4 Beds, 4 Baths 2260 sqft Primary Residence Constructed In 1992 with Linoleum, Composition Roof, Chainwall Foundation, Brick siding, Brick Frame. Home Features Include Smoke Alarm, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

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

Additional Details :
  • 50-75% Mortgage Paid off

  • 750-799 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $510/7 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $315,000

3 Beds, 3 Bath 1690 sqft Rental Property Constructed In 1984 with Ceramic Tile Flooring, Membrane Roof, Slab Foundation, Stucco siding, Wood Frame. Home Features Include Smoke Alarm, Fireplace, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

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

Additional Details :
  • 25-50% Mortgage Paid off

  • 650-699 Credit Score

  • Seniors staying at home

Home Insurance Rate of $280/6 months for $150,000-$175,000 Coverage
Policy Holder Home Details :

Home Value : $165,000

2 Beds, 2 Bath 900 sqft Rental Property Constructed In 1984 with Linoleum, Metal Roof, Slab Foundation, Stucco siding, Wood Frame. Home Features Include Smoke Alarm, Fire Extinguisher, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

34 Years old Single Male who is a Freelancer with household income of $100-$150,000 and has 2 Pets and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 600-649 Credit Score

Rocklin, CA Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
95765 $351,200 $630
95677 $306,400 $620

Rocklin Rates & Quotes Analysis:

Rocklin Area Estimated House Insurance
David Ct, Hampstead Way, Granite Falls Way, Montclair Ct, Morningside Dr, Maresborough Pl, Lexington Cir, Kalamath Dr, Palomino Ct, Monarch Ct$667
Broughton Ct, Dominguez Rd, el Cid Ct, Penwood Way, N Star St, E Saint Francis Cir, Tuttle Dr, Quartz Ct, Twelve Oaks Dr, Rhone Ct$662
Silkwood Way, Arnold Dr, Ravenwood Ct, Winding Ln, Ryan Ct, Freeman Cir, Amethyst Dr, Wells Ave, Winlock Way, Duchess Ct$674
Chimney Ct, Aster Ct, Laurelwood Ct, Paloma Dr, Night Ridge Way, Garcia Ct, Tanglewood Way, Gold Cir, Buckskin Ct, Clubhouse Dr$629
Kentucky Way, Brookcrest Ct, Eldon Ave, Sycamore Pl, Rockcrest Pl, Alta Loma Ct, W Sunset Blvd, Douglas Ranch Dr, Ox Bow Ln, Cameo Ct$654
Cam del Avion, Railroad Alley E Ave, Douglas Ranch Rd, Hidden Glen Dr, Saddle Spur Way, Penryn Estates Dr, Morgan Ct, Rook Dr, Creekside Ln, Walnut St$658
Granite Cove Dr, Bascou Ct, el Don Dr, Clover Valley Rd, Walters Ranch Rd, Newland Heights Ct, Rosemont Ln, Brittany Ct, Rachel Ln, Cobble Hills Ct$627
Nebula Ct, Country Ct, J-Bar-B Dr, Dell Pl, Midland Rd, Oakhollow Ct, Trinity Way, Penbridge Dr, Cabrillo Ct, Bolt Ct$663
Swetzer Rd, Woodgate Ct, Seville Cir E, Cook St, Granite Bend Ct, Sweetgrass Ct, Reyman Ln, Hilltop Pl, Stuart Pl, Tamarack Dr$665
Nute Rd, Miners Xing, Poca Montoya Dr, Willow Gate Ct, Badger Pass Ct, Buckeye Ln, McLain Rd, Muirfield Dr, Shadowbrook Dr, Legend Dr$669

Insurance rates are influenced by a number of factors including:

  • Year Built: 8,886 Homes (26% of total homes ) built between 1990 to 1999 in Rocklin are paying home insurance between $910-$919. Places close to Rocklin, CA such as Granite Bay, El Dorado Hills, Shingle Springs are more expensive by $52, $19, $10 respectively while Loomis and Newcastle are cheaper by $13 and $39 respectively for similar homes.
  • Bedrooms: 5,361 2 bedrooms homes (16% of total homes ) in Rocklin are paying about $190 in contrast with Granite Bay (+$4), Fiddletown (+$11), Hartley (+$3), Loomis (-$3) and Newcastle (-$8).
  • Auto Insurance Bundling: 9,899 Households (41% of all households) in Rocklin have 2 vehicles available and when it is bundled with home insurance you can save $126 and differs from Loomis ($124), Granite Bay ($133), Penryn ($126).
  • Senior Discounts: 11,263 seniors (more than 55 years) occupied housing units (47% of total) in Rocklin get discounts between $94 to $96 compared to Loomis ($93), Granite Bay ($100), Penryn ($95).
  • New Homes discounts: New homes such as the 17,941 homes built between 2000 to 2009 in Rocklin can save $126 and similar new home insurance discounts in nearby towns and cities like Loomis, Granite Bay and Penryn are $124, $133 and $126 respectively.

Rocklin Homeowners insurance Facts

  • Rocklin, CA has 23,768 owner occupied houses which is 75.0% of all units whereas Loomis, Granite Bay and Penryn have 75.88%, 91.82% and 100.0% respectively.
  • Rocklin, CA homeowners yearly insurance price at $631 is 0.16% of the typical house value of $397,500 which is in contrast with 0.18% in Loomis, 0.11% at Granite Bay & 0.15% in Penryn.
  • Homeowners in Rocklin, CA pay 1.15% of their income ($50,000 to $59,999) in insurance whereas homeowners in Loomis, Granite Bay and Penryn pay 1.13%, 1.21% and 1.15% respectively.
  • Rocklin, CA’s insurance is 2.0% of monthly housing costs of $2,688/month, for owners with a mortgage compared to 2.31% in Loomis, 1.58% at Granite Bay & 2.08% in Penryn. But, for households without a mortgage, insurance is 8.4% of costs ($625 in Rocklin, CA) in contrast with 12.22% in Loomis, 6.85% at Granite Bay & 14.8% in Penryn.

Rocklin, CA Home Values & Insurance rates

For example, insurance for 2,130 Homes (17.0% of total homes ) valued between $200,000 to $249,999 in Rocklin, CA is about $353. Rates in nearby areas in such as Granite Bay, Penryn, El Dorado Hills are cheaper by $113, $11, $57 respectively while Loomis and Newcastle are costlier by $51 and $238 respectively for similar homes.

Rocklin, CA Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 566 4.0% $37
$100,000 to $124,999 166 1.0% $170
$125,000 to $149,999 184 1.0% $214
$150,000 to $174,999 440 3.0% $252
$175,000 to $199,999 476 3.0% $296
$200,000 to $249,999 2,130 17.0% $353
$250,000 to $299,999 2,658 22.0% $435
$300,000 to $399,999 5,059 42.0% $555

Renters Insurance in Rocklin

  • Average Renters Insurance in Rocklin :  $134($11/month)

  • Median Gross Rent in Rocklin :  $1,272

  • Rocklin Renters Insurance to Median Rent Ratio:  0.86%

  • Average household size of renter-occupied unit :  2.42

Rocklin Renters Insurance as a Percentage of Rent

Rocklin Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$300 to $499 265 3.0% $1233
$500 to $749 426 5.0% $1908
$750 to $999 1,058 13.0% $2658
$1,000 to $1,499 3,334 43.0% $3783
$1,500 or more 2,561 33.0% $5433

Rent Affordability in Rocklin:

Approximately 46.0% (3,682) of households are spending more than 35% of their income on gross rent in Rocklin

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 475 6.0%
15.0 to 19.9 percent 767 9.0%
20.0 to 24.9 percent 955 12.0%
25.0 to 29.9 percent 1,108 14.0%
30.0 to 34.9 percent 921 11.0%
35.0 percent or more 3,682 46.0%

Protective device discount in Rocklin Up to :  $20

Claims-free discount in Rocklin Up to :  $26