Santa Rosa Insurance Rates:

Santa Rosa, CA home insurance is nearly $535 to $725, about $44-$60/month. Our comprehensive guide indicates shoppers can save as much as $251 by comparing different quotes

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Read Santa Rosa, California Homeowners Insurance reviews & compare quotes to find the most reliable & cheapest quotes.

Santa Rosa Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Travelers
Home Insurance Rate of $210/5 months for $350000-$400000 Coverage
Policy Holder Home Details :

Home Value : $390,000

5 Beds, 5 Baths 2460 sqft Seasonal Residence Constructed In 2011 with Wood Flooring, Metal Roof, Chainwall Foundation, Brick siding, Brick Frame. Home Features Include Copper Water Pipes, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

43 Years old Single Female 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

  • 650-699 Credit Score

Home Insurance Rate of $1300/8 months for $700000-$800000 Coverage
Policy Holder Home Details :

Home Value : $680,000

5 Beds, 5 Baths 4250 sqft Seasonal Residence Constructed In 1964 with Hardwood Flooring, Metal Roof, Slab Foundation, Vinyl siding, Stucco Construction. Home Features Include Copper Water Pipes, Central Air Conditioning, Swimming Pool, Indoor Sprinklers, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

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

Additional Details :
  • 75-100% Mortgage Paid off

  • 650-699 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $710/10 months for $400000-$500000 Coverage
Policy Holder Home Details :

Home Value : $515,000

5 Beds, 5 Baths 3040 sqft Vacation Property Constructed In 1997 with Carpet over wood flooring, Tile Roof, Chainwall Foundation, Stucco siding, Brick Frame. Home Features Include Deadbolt Locks, Indoor Sprinklers, Fireplace, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

59 Years old Married Male 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 :
  • 75-100% Mortgage Paid off

  • 500-549 Credit Score

  • Guests at home

Home Insurance Rate of $150/2 months for $350000-$400000 Coverage
Policy Holder Home Details :

Home Value : $475,000

4 Beds, 4 Baths 2150 sqft Rental Property Constructed In 2009 with Wood Flooring, Composition Roof, Crawl Space Foundation, Vinyl siding, Stucco Construction. Home Features Include Swimming Pool, Central Air Conditioning, Indoor Sprinklers, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

51 Years old Divorced Female who is a Freelancer with household income of $75-$100,000 and has 2 Pets and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 700-749 Credit Score

  • Seniors staying at home

Home Insurance Rate of $530/7 months for $500000-$600000 Coverage
Policy Holder Home Details :

Home Value : $505,000

4 Beds, 4 Bath 2240 sqft Primary Residence Constructed In 1982 with Carpet over wood flooring, Asphalt Shingles Roof, Chainwall Foundation, Brick siding, Metal Frame Construction. Home Features Include Swimming Pool, Indoor Sprinklers, Fireplace, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

46 Years old Divorced Female who is Unemployed with household income of less than $25,000 and has No Pets and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 600-649 Credit Score

  • Guests at home

Home Insurance Rate of $460/3 months for $500,000-$600,000 Coverage
Policy Holder Home Details :

Home Value : $585,000

4 Beds, 4 Baths 1847 sqft Rental Property Constructed In 1967 with Carpet over wood flooring, Composition Roof, Chainwall Foundation, Stone Siding, Stucco Construction. Home Features Include Copper Water Pipes, Swimming Pool, Smoke Alarm, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

31 Years old Single Male who has a Full Time Job with household income of $25-50,000 and has No Pets and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • Up to 499 Credit Score

  • Seniors staying at home

  • Guests at home

Santa Rosa, CA Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
95404 $491,000 $650
95409 $446,200 $650
95405 $440,400 $650
95403 $371,000 $640
95401 $323,900 $620
95407 $288,500 $620

Santa Rosa Rates & Quotes Analysis:

Santa Rosa Area Estimated House Insurance
Newbury Ct, Century Ct, Aussie Ave, Donna Dr, Middle Rincon Rd, Ahl Park Ct, Baird Rd, Benicia Dr, Alaska Dr, Filamina Pl$634
Twin Pillar Way, Doubles Dr, Knolls Hills Cir, Piezzi Ln, Solano Dr, Fitzpatrick Ct, Hazel St, Winchester Dr, Range Ave, Kilarney Ct$673
Clover Ct, Colorado Blvd, Brush Creek Ct, Trinity Dr, Tuft Rd, Kertsinger Rd, Meadow Dr, Richard Manor Dr, Tokay St, Waltzer Rd$640
Guenever Ln, Overlook Dr, Suffolk Dr, Cabernet Cir, Melbrook Way, Barnett St, Whitchurch Pl, Calistoga Rd, Cristwood Ct, The Pointe Pl$611
Havitur Way, Maywood Dr, Valley Oaks Ln, Boron Ave, Whitewood Dr, Taylor View Dr, Dempsey Pl, Juliet Dr, Arrowhead Dr, Yorkton Way$677
Giovannetti Rd, Roundelay Ln, Oak Knoll Dr, Codding Dr, Cross Ave, Arnica Way, Tranquility Ln, Talbot Ave, Arista Ln, Bobwhite Way$629
Ridley Ave, Eagle Ct, Jackrabbit Ct, Castlerock Ct, Kenwood Ln, Twilight Way, Elsa Dr, Jaine Ln, Heavy Ct, Boulder Point Pl$689
Field Stone Ct, de Meo St, Doyle Park Dr, Westover Ct, Ramsgate Ct, Wyoming Dr, Yucca St, Saint Mary Pl, Okelly Way, Red Oak Dr$642
Nordyke Ave, Poe Ct, Adrienne Way, Scrub Oak Ave, Cadence Way, Nighthawk Dr, Malibu Cir, Baggett Dr, Countryside Dr, la Paloma Ave$634
Forest Glen Way, Eton Ct, Sequoia Cir, Circle Ranch Rd, Rocky Point Way, Blue Sky Ln, St Olga Ct, Wood Ln, Riebli Rd, Harvest Ln$676

Insurance rates are influenced by a number of factors including:

  • Year Built: 10,439 Homes (12% of total homes ) built between 1990 to 1999 in Santa Rosa are paying home insurance between $907-$917. Places close to Santa Rosa, CA such as Larkfield-Wikiup, Fulton, Graton are more expensive by $12, $13, $19 respectively while Roseland and Rohnert Park are cheaper by $27 and $14 respectively for similar homes.
  • Bedrooms: 11,577 4 bedrooms homes (14% of total homes ) in Santa Rosa are paying about $384. Areas near to Santa Rosa such as Larkfield-Wikiup, Fulton, Kenwood are costlier by $5, $6, $27 respectively whereas Roseland and Middletown are more economical by $11, $6 respectively for similar homes.
  • Auto Insurance Bundling: 19,072 Households (43% of all households) in Santa Rosa have 2 vehicles available and when it is bundled with home insurance you can save $125 and varies from Roseland ($122), Larkfield-Wikiup ($127), Fulton ($127).
  • Senior Discounts: 24,776 seniors (more than 55 years) occupied housing units (56% of total) in Santa Rosa get discounts between $94 to $96 and varies from Roseland ($91), Larkfield-Wikiup ($95), Rohnert Park ($92).
  • New Homes discounts: New homes such as the 29,447 homes built between 2000 to 2009 in Santa Rosa can save $125 and varies from Roseland ($122), Larkfield-Wikiup ($127), Fulton ($127).

Santa Rosa Homeowners insurance Facts

  • Santa Rosa, CA has 44,191 owner occupied houses which is 57.3% of all units whereas Roseland, Larkfield-Wikiup and Fulton have 48.35%, 71.52% and 58.64% respectively.
  • Santa Rosa, CA homeowners yearly insurance price at $629 is 0.16% of the typical house value of $389,900 which is in contrast with 0.22% in Roseland, 0.15% at Larkfield-Wikiup & 0.14% in Fulton.
  • Homeowners in Santa Rosa, CA pay 2.29% of their income ($25,000 to $29,999) in insurance whereas homeowners in Roseland, Larkfield-Wikiup and Rohnert Park pay 2.22%, 2.32% and 2.25% respectively.
  • Santa Rosa, CA’s insurance is 2.3% of monthly housing costs of $2,323/month, for owners with a mortgage compared to 2.99% in Roseland, 1.9% at Larkfield-Wikiup & 2.42% in Rohnert Park. But, for households without a mortgage, insurance is 10.5% of costs ($499 in Santa Rosa, CA) in contrast with 13.74% in Roseland, 9.85% at Larkfield-Wikiup & 8.97% in Rohnert Park.

Santa Rosa, CA Home Values & Insurance rates

For example, insurance for 308 Homes (1.0% of total homes ) valued between $50,000 to $59,999 in Santa Rosa, CA is about $81. Rates in nearby areas in such as Larkfield-Wikiup, Sebastopol, Sonoma County are cheaper by $11, $28, $5 respectively while Rohnert Park and Cotati are costlier by $18 and $6 respectively for similar homes.

Santa Rosa, CA Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 2,422 10.0% $37
$50,000 to $59,999 308 1.0% $81
$60,000 to $69,999 312 1.0% $100
$70,000 to $79,999 281 1.0% $119
$100,000 to $124,999 935 4.0% $176
$125,000 to $149,999 701 3.0% $220
$150,000 to $174,999 839 3.0% $257
$175,000 to $199,999 980 4.0% $301
$200,000 to $249,999 2,619 11.0% $358
$250,000 to $299,999 3,212 13.0% $440
$300,000 to $399,999 10,156 43.0% $559

Renters Insurance in Santa Rosa

  • Average Renters Insurance in Santa Rosa :  $136($11/month)

  • Median Gross Rent in Santa Rosa :  $1,215

  • Santa Rosa Renters Insurance to Median Rent Ratio:  0.91%

  • Average household size of renter-occupied unit :  2.78

Santa Rosa Renters Insurance as a Percentage of Rent

Santa Rosa Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 462 1.0% $334
$200 to $299 553 1.0% $784
$300 to $499 687 2.0% $1234
$500 to $749 1,820 5.0% $1909
$750 to $999 5,609 17.0% $2659
$1,000 to $1,499 12,769 40.0% $3784
$1,500 or more 9,752 30.0% $5434

Rent Affordability in Santa Rosa:

Approximately 48.0% (15,971) of households are spending more than 35% of their income on gross rent in Santa Rosa

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 2,255 6.0%
15.0 to 19.9 percent 3,227 9.0%
20.0 to 24.9 percent 4,404 13.0%
25.0 to 29.9 percent 3,762 11.0%
30.0 to 34.9 percent 3,364 10.0%
35.0 percent or more 15,971 48.0%

Protective device discount in Santa Rosa Up to :  $20

Claims-free discount in Santa Rosa Up to :  $27