Roseville Insurance Rates:

Roseville, CA home insurance is approximately $527 to $713, about $43-$59/month. Our thorough analysis shows customers can save as much as $247 by comparing multiple quotes

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Roseville Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Chubb Group of Insurance
Home Insurance Rate of $200/5 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $200,000

3 Beds, 3 Baths 1440 sqft Primary Residence Constructed In 2013 with Hardwood Flooring, Shingles Roof, Crawl Space Foundation, Vinyl siding, Metal Frame Construction. Home Features Include Copper Water Pipes, Indoor Sprinklers, Fire Extinguisher, Central Air Conditioning, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

53 Years old Divorced Male who is Unemployed and has No Pets and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 550-599 Credit Score

  • Guests at home

Home Insurance Rate of $620/7 months for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $260,000

3 Beds, 3 Baths 1890 sqft Vacation Property Constructed In 1997 with Ceramic Tile Flooring, Slate Shingles Roof, Piers Foundation, Brick siding, Wood Frame. Home Features Include Smoke Alarm, Fire Extinguisher, Indoor Sprinklers, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

40 Years old Married Male who has a Full Time Job with household income of $100-$150,000 and has 2 Pets and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 650-699 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $740/9 months for $700000-$800000 Coverage
Policy Holder Home Details :

Home Value : $665,000

5 Beds, 5 Baths 3970 sqft Primary Residence Constructed In 2011 with Wood Flooring, Shingles Roof, Slab Foundation, Fiber-Cement Siding, Stucco Construction. Home Features Include Fireplace, Central Air Conditioning, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

69 Years old Married Female who is a Freelancer with household income of $25-50,000 and has More than 3 Pets at home and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 550-599 Credit Score

  • Seniors staying at home

Home Insurance Rate of $70/1 month for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $285,000

3 Beds, 3 Baths 1500 sqft Vacation Property Constructed In 2013 with Linoleum, Tile Roof, Piers Foundation, Stone Siding, Wood Frame. Home Features Include Fire Extinguisher, Copper Water Pipes, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

49 Years old Married Female who is a Freelancer with household income of $75-$100,000 and has No 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 $780/8 months for $350,000-$400,000 Coverage
Policy Holder Home Details :

Home Value : $500,000

4 Beds, 4 Baths 2601 sqft Primary Residence Constructed In 1987 with Stone Flooring, Tile Roof, Crawl Space Foundation, Stone Siding, Metal Frame Construction. Home Features Include Central Air Conditioning, Fireplace, Copper Water Pipes, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

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

Additional Details :
  • 50-75% Mortgage Paid off

  • 500-549 Credit Score

Roseville, CA Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
95661 $351,700 $630
95747 $347,100 $630
95678 $274,800 $620

Roseville Rates & Quotes Analysis:

Roseville Area Estimated House Insurance
Wemberly Dr, Dahlia Ct, Hamilton Ct, Chip Shot Way, Waterlily Ct, Aberdeen Ct, Rippling Way, Striped Moss Ct, Stoffels Way, Keely Dr$625
Pitcher Ct, Harding Blvd, Vinewood Ave, Filmore Ct, Vineyard Rd, Deerfield Cir, Atherton Rd, Sharon Way, Almond St, Anderson Dr$609
Rainhill Loop, Spahn Ranch Rd, Mc Mindes Dr, Stockwood Dr, Saddlebag Ct, Strongbox Ct, Gladstone Ct, Henderson Ct, Savonna Ct, Evergreen Dr$627
Neighbor Ln, Melway Dr, Bridle Ct, Duncan Way, Longview Dr, Mustang Ct, Loretto Dr, Sunningdale Dr, Thistle Down Dr, Logan Ct$630
Niles Ave, Lead Hill Blvd, Richards Dr, Mayfair Dr, Frensham Dr, Santa Fe Cir, Lansdowne Way, Carneilian Dr, Kensington Dr, Tradewinds Dr$608
Talon Reach Ct, Kilpatrick Way, Wellspring Ct, Buckingham Ct, Hallissey Dr, Old Auburn Rd, Woodgrove Way, Shadowbrook Dr, Perrara Ct, Hummingbird Way$672
Braithwaite St, Cymbeline St, Switchman Dr, Walnut St, Oakdale Ct, Lone Tree Ct, Oakfield Ct, Tanya Way, Mariposa Ave, Hutley Ct$616
Osprey Ct, Five Star Blvd, Paddock Ct, Trimstone Ct, Miners Way, Fielding Ct, Zinnia Way, Mineral Springs Dr, Hearthside Way, Hiawatha Dr$623
Elmwood Ct, Hwy 65, Auburn Blvd, Donald Way, del Rd, Spanish Bay Way, Malta Dr, Tenby Ct, Boardwalk Dr, Belle Rose Cir$622
Franklin St, Formby Ct, Garden Park Dr, Cleveland Ct, Oaktree Dr, Irene Ave, Parkham Dr, Benton Loop, Whiteclover Ln, Clydesdale Way$618

Insurance rates are influenced by a number of factors including:

  • Year Built: 13,237 Homes (27% of total) built between 1990 to 1999 in Roseville are paying home insurance between $893-$902 compared to Rocklin (+$17), Granite Bay (+$69), Fair Oaks (+$13), Antelope (-$23) and Citrus Heights (-$28).
  • Bedrooms: 11,406 2 bedrooms homes (23% of total homes ) in Roseville are paying about $186. Areas near to Roseville such as Rocklin, Granite Bay, Fair Oaks are costlier by $4, $8, $3 respectively whereas Antelope and Citrus Heights are more economical by $11, $6 respectively for similar homes.
  • Auto Insurance Bundling: 7,366 Households (24% of all households) in Roseville have 3 or more vehicles available and when it is bundled with home insurance you can save $154 and varies from Antelope ($150), Citrus Heights ($150), Foothill Farms ($148).
  • Senior Discounts: 13,355 seniors (more than 55 years) occupied housing units (45% of total) in Roseville get discounts between $92 to $95 compared to Antelope ($90), Foothill Farms ($89), Loomis ($93).
  • New Homes discounts: New homes such as the 31,383 homes built between 2000 to 2009 in Roseville can save $123 and varies from Antelope ($120), Citrus Heights ($120), Foothill Farms ($118).

Roseville Homeowners insurance Facts

  • Roseville, CA has 29,593 owner occupied houses which is 65.7% of all units whereas Antelope, Citrus Heights and Foothill Farms have 70.59%, 56.87% and 56.9% respectively.
  • Roseville, CA homeowners yearly insurance price at $619 is 0.19% of the typical house value of $326,700 which is in contrast with 0.27% in Antelope, 0.29% at Citrus Heights & 0.36% in Foothill Farms.
  • Homeowners in Roseville, CA pay 1.08% of their income ($45,000 to $49,999) in insurance whereas homeowners in Antelope, Citrus Heights and Foothill Farms pay 1.05%, 1.04% and 1.03% respectively.
  • Roseville, CA’s insurance is 2.2% of monthly housing costs of $2,336/month, for owners with a mortgage compared to 2.65% in Antelope, 2.81% at Citrus Heights & 3.18% in Foothill Farms. But, for households without a mortgage, insurance is 10.1% of costs ($512 in Roseville, CA) in contrast with 11.29% in Antelope, 11.31% at Citrus Heights & 12.47% in Foothill Farms.

Roseville, CA Home Values & Insurance rates

For example, insurance for 3,056 Homes (14.0% of total homes ) valued between $200,000 to $249,999 in Roseville, CA is about $427. Rates in nearby areas in such as Loomis, Rocklin, Granite Bay are cheaper by $23, $74, $187 respectively while Antelope and Citrus Heights are costlier by $176 and $233 respectively for similar homes.

Roseville, CA Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 591 2.0% $43
$100,000 to $124,999 469 2.0% $204
$125,000 to $149,999 338 1.0% $259
$150,000 to $174,999 912 4.0% $303
$175,000 to $199,999 1,073 4.0% $352
$200,000 to $249,999 3,056 14.0% $427
$250,000 to $299,999 5,224 23.0% $519
$300,000 to $399,999 9,505 43.0% $662

Renters Insurance in Roseville

  • Average Renters Insurance in Roseville :  $158($13/month)

  • Median Gross Rent in Roseville :  $1,236

  • Roseville Renters Insurance to Median Rent Ratio:  1.05%

  • Average household size of renter-occupied unit :  2.55

Roseville Renters Insurance as a Percentage of Rent

Roseville Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$500 to $749 1,038 6.0% $1914
$750 to $999 2,837 18.0% $2664
$1,000 to $1,499 6,263 41.0% $3789
$1,500 or more 4,705 31.0% $5439

Rent Affordability in Roseville:

Approximately 44.0% (6,928) of households are spending more than 35% of their income on gross rent in Roseville

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 1,409 9.0%
15.0 to 19.9 percent 1,669 10.0%
20.0 to 24.9 percent 2,190 14.0%
25.0 to 29.9 percent 1,938 12.0%
30.0 to 34.9 percent 1,288 8.0%
35.0 percent or more 6,928 44.0%

Roseville Renters Insurance Discounts:

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

Number of Vehicles in Roseville, CA Number of Housing Units % of Total Renters Insurance Insurance Savings by Bundling Auto Insurance
1 vehicle available 6,735 43.0% $15.8
2 vehicles available 5,675 36.0% $23.7
3 or more vehicles available 1,721 11.0% $31.6

Roseville Senior Citizen Discounts:

Age Senior Occupied Housing Units % of Total Discount offered
55 to 59 years 828 5.0% $123
60 to 64 years 771 4.0% $98
65 to 74 years 855 5.0% $80
75 years and over 1,163 7.0% $61

Protective device discount in Roseville Up to :  $23

Claims-free discount in Roseville Up to :  $31