Vallejo Insurance Rates:

Vallejo, CA home insurance is about $519 to $704, about $43-$58/month. Our detailed analysis reveals consumers can save upto $244 by comparing different quotes

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Vallejo Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Liberty Mutual
Home Insurance Rate of $440/6 months for $500000-$600000 Coverage
Policy Holder Home Details :

Home Value : $505,000

4 Beds, 4 Baths 3110 sqft Rental Property Constructed In 1974 with Carpet over wood flooring, Tile Roof, Chainwall Foundation, Stucco siding, Brick Frame. Home Features Include Indoor Sprinklers, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

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

Additional Details :
  • 25-50% Mortgage Paid off

  • 750-799 Credit Score

Home Insurance Rate of $260/2 months for $500000-$600000 Coverage
Policy Holder Home Details :

Home Value : $585,000

5 Beds, 5 Baths 3530 sqft Seasonal Residence Constructed In 1960 with Carpet Flooring, Metal Roof, Piers Foundation, Fiber-Cement Siding, Stucco Construction. Home Features Include Fire Extinguisher, Swimming Pool, Deadbolt Locks, Copper Water Pipes, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

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

Additional Details :
  • 75-100% Mortgage Paid off

  • 500-549 Credit Score

  • Seniors staying at home

Home Insurance Rate of $180/5 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $195,000

3 Beds, 3 Bath 1220 sqft Rental Property Constructed In 1951 with Linoleum, Membrane Roof, Chainwall Foundation, Brick siding, Stucco Construction. Home Features Include Copper Water Pipes, Swimming Pool, Deadbolt Locks, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

74 Years old Single Female who is Unemployed and has More than 3 Pets at home and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 800-850 Credit Score

  • Guests at home

Home Insurance Rate of $220/3 months for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $355,000

4 Beds, 4 Bath 3010 sqft Vacation Property Constructed In 1990 with Wood Flooring, Asphalt Shingles Roof, Crawl Space Foundation, Wood siding, Stucco Construction. Home Features Include Swimming Pool, Fire Extinguisher, Copper Water Pipes, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

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

Additional Details :
  • 25-50% Mortgage Paid off

  • 650-699 Credit Score

Home Insurance Rate of $790/8 months for $350000-$400000 Coverage
Policy Holder Home Details :

Home Value : $330,000

3 Beds, 3 Baths 1920 sqft Vacation Property Constructed In 1986 with Wood Flooring, Asphalt Shingles Roof, Chainwall Foundation, Vinyl siding, Brick Frame. Home Features Include Indoor Sprinklers, Deadbolt Locks, Smoke Alarm, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

43 Years old Single Female who has a Part Time Job with household income of $25-50,000 and has 2 Pets and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 750-799 Credit Score

  • Seniors staying at home

Home Insurance Rate of $460/8 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $200,000

2 Beds, 2 Bath 1650 sqft Rental Property Constructed In 1994 with Stone Flooring, Slate Shingles Roof, Piers Foundation, Stucco siding, Wood Frame. Home Features Include Central Air Conditioning, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

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

Additional Details :
  • 50-75% Mortgage Paid off

  • 600-649 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $770/12 months for $250,000-$300,000 Coverage
Policy Holder Home Details :

Home Value : $335,000

4 Beds, 4 Baths 1833 sqft Primary Residence Constructed In 1964 with Carpet over wood flooring, Composition Roof, Chainwall Foundation, Wood siding, Metal Frame Construction. Home Features Include Smoke Alarm, Indoor Sprinklers, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

66 Years old Single Female who has a Part Time Job with household income of less than $25,000 and has 1 Pet and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 750-799 Credit Score

  • Seniors staying at home

Vallejo, CA Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
94591 $289,900 $620
94590 $200,800 $600

Vallejo Rates & Quotes Analysis:

Vallejo Area Estimated House Insurance
San Carlos Dr, Oakmore Ct, Delwood Ave, San Diego Dr, Clearview Cir, Majestic Ct, Humboldt St, el Monte Ave, Primrose Ln, Gallagher Dr$576
Muirwood Pl, Dale Ct, Wright St, Coleridge Dr, D St, Manzanita Dr, Shamrock Ct, Club Dr, Warwick Dr, Newcastle Ct$604
Bradford Way, Commercial St, W 4th St, Wasmuth Ave, Taper Ave, Georgia Mall N, Bret Harte Way, San Antonio Way, Barry Ct, Leeds Ct$644
Steffan St, Monte Verde Way, Begonia Ct, Redbud Ln, Steven Cir, Heliotrope St, Residental Dr, Pope Dr, Johns Pl, Bermuda Ln$624
W I St, Brown Ct, York Dr, Arbor Ct, Hodges St, W 2nd St, Starfish Dr, Rutgers Ct, Chase St, W K St$642
Blanchard Ln, Richardson Dr, Buckles St, Woodgreen Way, Devonshire Ct, Kristina Ct, Alan Ct, Trotter Dr, Outrigger Dr, Jackson St$625
E L St, Rickover St, Ocean Breeze Ct, Bolton Cir, Grapewood St, Laguna St, Falcon Dr, Queen Isabella Ct, Delgado Ct, Fulton Ave$622
Lislin Way, Chadwick Way, Landmark Dr, Severus Dr, James Ct, Franciscan Dr, Beltaine Ct, Noyes Ct, Winchell Ct, Sandstone Dr$626
Caldwell Ave, Baker Ct, Pueblo Way, Goheen Cir, 8th St, Robles Dr, Heartwood Ave, Shelley Dr, E E St, Ivy Ln$602
Marin St, Sherwood Ave, Shasta St, Charles Ct, Hays Ln, Trinity St, Ashton St, Stella St, Fuchsia Ct, Ron Ct$603

Insurance rates are influenced by a number of factors including:

  • Year Built: 10,107 Homes (17% of total) built between 1970 to 1979 in Vallejo are paying home insurance between $992-$1,001 compared to Crockett (+$26), Benicia (+$41), Rodeo (+$11), Montalvin Manor (-$28) and Rollingwood (-$16).
  • Bedrooms: 12,147 4 bedrooms homes (21% of total homes ) in Vallejo are paying about $374. Areas near to Vallejo such as Crockett, Benicia, Rodeo are costlier by $16, $22, $10 respectively whereas Montalvin Manor and Pacheco are more economical by $5, $6 respectively for similar homes.
  • Auto Insurance Bundling: 11,392 Households (36% of all households) in Vallejo have 3 or more vehicles available and when it is bundled with home insurance you can save $153 in contrast with Crockett ($157), Benicia ($159), Rodeo ($154).
  • Senior Discounts: 16,324 seniors (more than 55 years) occupied housing units (52% of total) in Vallejo get discounts between $91 to $93 compared to Crockett ($94), Benicia ($95), Port Costa ($91).
  • New Homes discounts: New homes such as the 16,452 homes built between 2000 to 2009 in Vallejo can save $122 and similar new home insurance discounts in nearby towns and cities like Crockett, Benicia and Port Costa are $125, $127 and $122 respectively.

Vallejo Homeowners insurance Facts

  • Vallejo, CA has 31,370 owner occupied houses which is 60.9% of all units whereas Crockett, Benicia and Port Costa have 69.09%, 68.52% and 48.52% respectively.
  • Vallejo, CA homeowners yearly insurance price at $612 is 0.22% of the typical house value of $279,900 which is in contrast with 0.17% in Crockett, 0.15% at Benicia & 0.22% in Port Costa.
  • Homeowners in Vallejo, CA pay 1.06% of their income ($45,000 to $49,999) in insurance whereas homeowners in Crockett, Benicia and Rodeo pay 1.09%, 1.11% and 1.08% respectively.
  • Vallejo, CA’s insurance is 2.3% of monthly housing costs of $2,208/month, for owners with a mortgage compared to 2.21% in Crockett, 2.04% at Benicia & 1.9% in Port Costa. But, for households without a mortgage, insurance is 13.1% of costs ($390 in Vallejo, CA) in contrast with 13.22% in Crockett, 10.92% at Benicia & 8.08% in Port Costa.

Vallejo, CA Home Values & Insurance rates

For example, insurance for 2,051 Homes (8.0% of total homes ) valued between $150,000 to $174,999 in Vallejo, CA is about $354. Rates in nearby areas in such as Crockett, Benicia, Rodeo are cheaper by $91, $118, $45 respectively while Montalvin Manor and Rollingwood are costlier by $187 and $97 respectively for similar homes.

Vallejo, CA Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 1,291 5.0% $48
$60,000 to $69,999 373 1.0% $140
$70,000 to $79,999 343 1.0% $159
$80,000 to $89,999 289 1.0% $183
$90,000 to $99,999 557 2.0% $201
$100,000 to $124,999 1,685 7.0% $238
$125,000 to $149,999 1,255 5.0% $299
$150,000 to $174,999 2,051 8.0% $354
$175,000 to $199,999 1,640 7.0% $403
$200,000 to $249,999 4,243 18.0% $489
$250,000 to $299,999 3,045 13.0% $599
$300,000 to $399,999 5,911 25.0% $765

Renters Insurance in Vallejo

  • Average Renters Insurance in Vallejo :  $174($14/month)

  • Median Gross Rent in Vallejo :  $1,200

  • Vallejo Renters Insurance to Median Rent Ratio:  1.17%

  • Average household size of renter-occupied unit :  2.73

Vallejo Renters Insurance as a Percentage of Rent

Vallejo Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 496 2.0% $793
$300 to $499 722 3.0% $1243
$500 to $749 1,299 6.0% $1918
$750 to $999 3,516 17.0% $2668
$1,000 to $1,499 7,997 40.0% $3793
$1,500 or more 5,413 27.0% $5443

Rent Affordability in Vallejo:

Approximately 50.0% (10,090) of households are spending more than 35% of their income on gross rent in Vallejo

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 1,578 7.0%
15.0 to 19.9 percent 2,041 10.0%
20.0 to 24.9 percent 2,289 11.0%
25.0 to 29.9 percent 2,522 12.0%
30.0 to 34.9 percent 1,632 8.0%
35.0 percent or more 10,090 50.0%

Protective device discount in Vallejo Up to :  $26

Claims-free discount in Vallejo Up to :  $34