Vacaville Insurance Rates:

Vacaville, CA home insurance is approximately $524 to $710, about $43-$59/month. Our all inclusive analysis reveals consumers can save as much as $246 by comparing many quotes

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Vacaville Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Travelers
Home Insurance Rate of $550/5 months for $400000-$500000 Coverage
Policy Holder Home Details :

Home Value : $375,000

5 Beds, 5 Bath 2630 sqft Primary Residence Constructed In 2004 with Carpet Flooring, Asphalt Shingles Roof, Piers Foundation, Stone Siding, Brick Frame. Home Features Include Copper Water Pipes, Swimming Pool, Fire Extinguisher, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

63 Years old Married Female who has a Full Time Job with household income of $50-$75,000 and has More than 3 Pets at home and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 650-699 Credit Score

  • Guests at home

Home Insurance Rate of $1170/8 months for $500000-$600000 Coverage
Policy Holder Home Details :

Home Value : $545,000

5 Beds, 5 Baths 2880 sqft Primary Residence Constructed In 2003 with Carpet over wood flooring, Metal Roof, Crawl Space Foundation, Vinyl siding, Stucco Construction. Home Features Include Deadbolt Locks, Fireplace, Smoke Alarm, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

60 Years old Married Female 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

  • Up to 499 Credit Score

Home Insurance Rate of $1190/9 months for $500000-$600000 Coverage
Policy Holder Home Details :

Home Value : $430,000

5 Beds, 5 Baths 2820 sqft Seasonal Residence Constructed In 2012 with Hardwood Flooring, Asphalt Shingles Roof, Slab Foundation, Stucco siding, Metal Frame Construction. Home Features Include Swimming Pool, Deadbolt Locks, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

69 Years old Divorced Male who has a Full 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 :
  • 25-50% Mortgage Paid off

  • 750-799 Credit Score

  • Guests at home

Home Insurance Rate of $780/5 months for $500,000-$600,000 Coverage
Policy Holder Home Details :

Home Value : $415,000

2 Beds, 2 Bath 1898 sqft Rental Property Constructed In 2004 with Linoleum, Tile Roof, Slab Foundation, Fiber-Cement Siding, Metal Frame Construction. Home Features Include Fire Extinguisher, Central Air Conditioning, Smoke Alarm, Deadbolt Locks, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

34 Years old Married Female who is a Freelancer with household income of $50-$75,000 and has 1 Pet and is a Smoker

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

  • 700-749 Credit Score

  • Guests at home

Vacaville, CA Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
95688 $374,300 $640
95687 $271,000 $620

Vacaville Rates & Quotes Analysis:

Vacaville Area Estimated House Insurance
Olive School Ln, Ithica Ct, Newcastle Dr, Buck Ave, Ambleside Ct, N Orchard Ave, Lexington Ct, Fallsgrove Way, Lilac Ct, Estate Dr$622
Hawk Dr, Sweeney Rd, Gibson Valley Rd, Mason St, Crystal Springs Ct, Songbird Ct, Sycamore Ct, Dennis Dr, Udell Rd, Deodara St$672
Arabian Cir, Solitude Ct, Rolling Oak Dr, Old Stone Ct, Cloverbrook Cir, Tyler Ct, Fern Way, Harvest Dr, Browns Valley Pkwy, Winding Way$681
Ronda Ct, Scenic Ranch Ln, Breakwater Way, Maywood Ct, Gregory Dr, Galatina Ct, Countryside Dr, Keith Way, Cody Ct, Sun Ct$678
Beth Page Ct, Beelard Dr, Bristlewood Ct, Hampton St, Lawrence Dr, Isle Royale Cir, Whitehall Ct, Grandview Dr, Lady Bug Ln, Millbrook Ct$602
Cricket Trail Rd, Mammoth Ct, Oak Hill Ct, Flagstone Ct, Chimney Rock Dr, N Meridian Rd, Foxboro Pkwy, Nile Ct, Sweet Bay Cir, Riverdale Ave$627
Spyglass Ct, Oak Canyon Ln, Birch St, Larkspur Dr, Canal Ln, Doris Ct, Georgetown Dr, Acacia Ln, Paris Way, Vine Ct$682
Vineyard Valley Way, Whitestag Way, Patrick Ln, S Acacia Ln, Allison Dr, Perth Ct, Rainier Cir, Rio Granda Dr, Laurelwood Cir, Limerick Way$680
Kiowa Ct, Swan River Ct, Timber Dr, Vaca Station Rd, Ridgewood Dr, Cashel Cir, Palm Ave, Cornerstone Ct, Plumas Ct, S Orchard Ave$622
Moonstone Ct, Rolling Sage Cir, Bonarda Ct, E Deodara St, Putman Rd, Bounty Ln, Limerick Pl, Kirbyson Ct, Oak Brook Dr, Longwood Pl$606

Insurance rates are influenced by a number of factors including:

  • Year Built: 8,306 Homes (23% of total homes ) built between 1980 to 1989 in Vacaville are paying home insurance between $920-$929. Places close to Vacaville, CA such as Allendale, Hartley, Green Valley are more expensive by $51, $36, $78 respectively while Moskowite Corner and Suisun City are cheaper by $66 and $16 respectively for similar homes.
  • Bedrooms: 14,523 3 bedrooms homes (40% of total homes ) in Vacaville are paying about $235. Areas near to Vacaville such as Allendale, Hartley, Green Valley are costlier by $6, $9, $13 respectively whereas Elmira and Moskowite Corner are more economical by $14, $11 respectively for similar homes.
  • Auto Insurance Bundling: 8,577 Households (38% of all households) in Vacaville have 3 or more vehicles available and when it is bundled with home insurance you can save $154. Discounts for similar bundling in close by locations such as Allendale, Hartley, Solano County come to $162, $160, $153 respectively.
  • Senior Discounts: 10,142 seniors (more than 55 years) occupied housing units (46% of total) in Vacaville get discounts between $92 to $94 and varies from Allendale ($97), Hartley ($96), Elmira ($89).
  • New Homes discounts: New homes such as the 13,695 homes built between 2000 to 2009 in Vacaville can save $123 and differs from Allendale ($130), Hartley ($128), Elmira ($119).

Vacaville Homeowners insurance Facts

  • Vacaville, CA has 22,048 owner occupied houses which is 65.2% of all units whereas Allendale, Hartley and Elmira have 98.56%, 80.11% and 19.1% respectively.
  • Vacaville, CA homeowners yearly insurance price at $617 is 0.2% of the typical house value of $310,000 which is in contrast with 0.12% in Allendale, 0.14% at Hartley & 0.34% in Elmira.
  • Homeowners in Vacaville, CA pay 4.94% of their income ($10,000 to $14,999) in insurance whereas homeowners in Hartley, Solano County and Moskowite Corner pay 5.13%, 4.91% and 4.58% respectively.
  • Vacaville, CA’s insurance is 2.3% of monthly housing costs of $2,251/month, for owners with a mortgage compared to 1.84% in Allendale, 2.15% at Hartley & 2.27% in Solano County. But, for households without a mortgage, insurance is 11.0% of costs ($467 in Vacaville, CA) in contrast with 13.01% in Allendale, 8.09% at Hartley & 11.95% in Solano County.

Vacaville, CA Home Values & Insurance rates

For example, insurance for 5,421 Homes (34.0% of total homes ) valued between $300,000 to $399,999 in Vacaville, CA is about $691. Rates in nearby areas in such as Allendale, Hartley, Green Valley are cheaper by $262, $211, $330 respectively while Elmira and Solano County are costlier by $504 and $45 respectively for similar homes.

Vacaville, CA Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 741 4.0% $49
$80,000 to $89,999 166 1.0% $166
$90,000 to $99,999 167 1.0% $185
$100,000 to $124,999 538 3.0% $215
$125,000 to $149,999 529 3.0% $271
$150,000 to $174,999 1,066 6.0% $320
$175,000 to $199,999 957 6.0% $370
$200,000 to $249,999 3,057 19.0% $444
$250,000 to $299,999 2,890 18.0% $542
$300,000 to $399,999 5,421 34.0% $691

Renters Insurance in Vacaville

  • Average Renters Insurance in Vacaville :  $163($13/month)

  • Median Gross Rent in Vacaville :  $1,348

  • Vacaville Renters Insurance to Median Rent Ratio:  0.96%

  • Renter occupied housing units in Vacaville :  11,792

Vacaville Renters Insurance as a Percentage of Rent

Vacaville Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$300 to $499 368 3.0% $1240
$500 to $749 455 3.0% $1915
$750 to $999 1,767 15.0% $2665
$1,000 to $1,499 4,379 38.0% $3790
$1,500 or more 4,436 38.0% $5440

Rent Affordability in Vacaville:

Approximately 41.0% (4,929) of households are spending more than 35% of their income on gross rent in Vacaville

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 775 6.0%
15.0 to 19.9 percent 1,404 11.0%
20.0 to 24.9 percent 1,818 15.0%
25.0 to 29.9 percent 1,419 12.0%
30.0 to 34.9 percent 1,447 12.0%
35.0 percent or more 4,929 41.0%

Protective device discount in Vacaville Up to :  $24

Claims-free discount in Vacaville Up to :  $32