Willows Insurance Rates:

Willows, CA home insurance is roughly $512 to $697, about $42-$58/month. Our in depth research shows customers can save upto $242 by comparing many quotes

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Willows Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Liberty Mutual
Home Insurance Rate of $40/1 month for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $195,000

3 Beds, 3 Baths 1700 sqft Vacation Property Constructed In 1979 with Wood Flooring, Membrane Roof, Piers Foundation, Fiber-Cement Siding, Stucco Construction. Home Features Include Fireplace, Fire Extinguisher, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

40 Years old Divorced Female who has a Full Time Job with household income of $25-50,000 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

Home Insurance Rate of $710/8 months for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $355,000

4 Beds, 4 Baths 3100 sqft Rental Property Constructed In 1986 with Hardwood Flooring, Shingles Roof, Slab Foundation, Wood siding, Stucco Construction. Home Features Include Central Air Conditioning, Deadbolt Locks, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

32 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 :
  • 50-75% Mortgage Paid off

  • 800-850 Credit Score

Home Insurance Rate of $260/3 months for $400000-$500000 Coverage
Policy Holder Home Details :

Home Value : $525,000

5 Beds, 5 Bath 4900 sqft Primary Residence Constructed In 1974 with Linoleum, Wood Shake Roof, Slab Foundation, Fiber-Cement Siding, Metal Frame Construction. Home Features Include Indoor Sprinklers, Smoke Alarm, Swimming Pool, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

68 Years old Divorced Female who is Unemployed with household income of less than $25,000 and has 2 Pets and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 750-799 Credit Score

  • Guests at home

Home Insurance Rate of $510/9 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $290,000

3 Beds, 3 Bath 2140 sqft Seasonal Residence Constructed In 1998 with Wood Flooring, Wood Shake Roof, Crawl Space Foundation, Stone Siding, Brick Frame. Home Features Include Fireplace, Smoke Alarm, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

31 Years old Divorced Female who is a Freelancer with household income of $25-50,000 and has No Pets and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 800-850 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $1750/12 months for $500000-$600000 Coverage
Policy Holder Home Details :

Home Value : $445,000

4 Beds, 4 Baths 3060 sqft Vacation Property Constructed In 2011 with Linoleum, Composition Roof, Chainwall Foundation, Stucco siding, Stucco Construction. Home Features Include Indoor Sprinklers, Swimming Pool, Fireplace, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

57 Years old Divorced Female who is Unemployed and has No Pets and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 550-599 Credit Score

  • Seniors staying at home

Home Insurance Rate of $100/8 months for $75000-$100000 Coverage
Policy Holder Home Details :

Home Value : $115,000

2 Beds, 2 Bath 990 sqft Vacation Property Constructed In 2014 with Carpet over wood flooring, Composition Roof, Crawl Space Foundation, Vinyl siding, Metal Frame Construction. Home Features Include Copper Water Pipes, Deadbolt Locks, Swimming Pool, Smoke Alarm, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

61 Years old Single Male who has a Full Time Job with household income of $100-$150,000 and has 3 Pets and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 500-549 Credit Score

  • Guests at home

Home Insurance Rate of $500/5 months for $350000-$400000 Coverage
Policy Holder Home Details :

Home Value : $325,000

4 Beds, 4 Bath 3220 sqft Rental Property Constructed In 2011 with Hardwood Flooring, Wood Shake Roof, Slab Foundation, Wood siding, Wood Frame. Home Features Include Indoor Sprinklers, Swimming Pool, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

58 Years old Married Female who has a Part Time Job with household income of less than $25,000 and has No Pets and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 550-599 Credit Score

  • Seniors staying at home

Home Insurance Rate of $420/10 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $215,000

3 Beds, 3 Bath 2100 sqft Rental Property Constructed In 1990 with Ceramic Tile Flooring, Composition Roof, Slab Foundation, Vinyl siding, Brick Frame. Home Features Include Indoor Sprinklers, Fireplace, Smoke Alarm, Swimming Pool, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

64 Years old Married Female who has a Part Time Job with household income of $25-50,000 and has No Pets and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 550-599 Credit Score

Willows, CA Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
95988 $227,900 $610

Willows Rates & Quotes Analysis:

Willows Area Estimated House Insurance
99 Hwy W, S Villa Ave, Co Rd 59, Rd B, Co Rd 48, Co Rd F, W Walnut St, E Laurel St, Co Rd 31, Rd 66$604
Rd 45, Saint John St, S Sacramento St, Rd 51, Co Rd 32, N Colusa St, Co Rd 43, Co Rd 65, Tamarack Way, Sunset Ter$601
Co Rd 30, Morrison Bryan Rd, Glenn Dr, Garden St, Rd X, Co Rd 48, Bayliss Blue Gum Rd, Co Rd Vv, Co Rd Hh, Maple St$612
Co Rd 39, Rd 46, Rd Xx, Rd 53, Co Rd 24, W 1st Ave, Green St, Co Rd 61, Glenwood Dr, State Hwy 162$615
Donnie Ln, Co Rd 309, Forest Rte 23N05, 20 N 59, S Yolo St, Elm St, Sherwood Way, Co Rd 58, Black Diamond Rd, E Sycamore St$611

Insurance rates are influenced by a number of factors including:

  • Year Built: 750 Homes (16% of total homes ) built between 1950 to 1959 in Willows are paying home insurance between $1,137-$1,146. Places close to Willows, CA such as Chico, Flournoy, Durham are more expensive by $13, $31, $53 respectively while Elk Creek and Lodoga are cheaper by $47 and $33 respectively for similar homes.
  • Bedrooms: 532 1 bedroom homes (12% of total homes ) in Willows are paying about $176. Areas near to Willows such as Loma Rica, Hopland, Butte Meadows are costlier by $3, $5, $28 respectively whereas Elk Creek and Lodoga are more economical by $7, $5 respectively for similar homes.
  • Auto Insurance Bundling: 790 Households (34% of all households) in Willows have 3 or more vehicles available and when it is bundled with home insurance you can save $151. Discounts for similar bundling in close by locations such as Glenn County, Elk Creek, Artois come to $150, $145, $152 respectively.
  • Senior Discounts: 1,342 seniors (more than 55 years) occupied housing units (58% of total) in Willows get discounts between $90 to $93 compared to Glenn County ($90), Elk Creek ($87), Artois ($91).
  • New Homes discounts: New homes such as the 1,606 homes built between 2000 to 2009 in Willows can save $121 and similar new home insurance discounts in nearby towns and cities like Glenn County, Elk Creek and Artois are $120, $116 and $121 respectively.

Willows Homeowners insurance Facts

  • Willows, CA has 2,284 owner occupied houses which is 59.7% of all units whereas Glenn County, Elk Creek and Artois have 65.43%, 80.49% and 100.0% respectively.
  • Willows, CA homeowners yearly insurance price at $605 is 0.26% of the typical house value of $233,600 which is in contrast with 0.27% in Glenn County, 0.76% at Elk Creek & 0.23% in Artois.
  • Homeowners in Willows, CA pay 1.1% of their income ($50,000 to $59,999) in insurance whereas homeowners in Glenn County, Stonyford and Orland pay 1.1%, 1.09% and 1.09% respectively.
  • Willows, CA’s insurance is 3.4% of monthly housing costs of $1,469/month, for owners with a mortgage compared to 3.35% in Glenn County, 4.07% at Elk Creek & 5.13% in Stonyford. But, for households without a mortgage, insurance is 12.4% of costs ($407 in Willows, CA) in contrast with 13.05% in Glenn County, 17.08% at Elk Creek & 14.01% in Stonyford.

Willows, CA Home Values & Insurance rates

For example, insurance for 61 Homes (3.0% of total homes ) valued between $125,000 to $149,999 in Willows, CA is about $350. Rates in nearby areas in such as Chico, Flournoy, Durham are cheaper by $57, $102, $142 respectively while Glenn County and Elk Creek are costlier by $17 and $694 respectively for similar homes.

Willows, CA Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 94 4.0% $60
$50,000 to $59,999 48 2.0% $133
$80,000 to $89,999 26 1.0% $217
$90,000 to $99,999 48 2.0% $242
$100,000 to $124,999 148 7.0% $284
$125,000 to $149,999 61 3.0% $350
$150,000 to $174,999 178 8.0% $417
$175,000 to $199,999 202 10.0% $484
$200,000 to $249,999 486 24.0% $580
$250,000 to $299,999 328 16.0% $707
$300,000 to $399,999 371 18.0% $901

Renters Insurance in Willows

  • Average Renters Insurance in Willows :  $189($15/month)

  • Median Gross Rent in Willows :  $743

  • Willows Renters Insurance to Median Rent Ratio:  2.02%

  • Renter occupied housing units in Willows :  1,539

Willows Renters Insurance as a Percentage of Rent

Willows Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 19 1.0% $347
$200 to $299 104 7.0% $797
$300 to $499 56 4.0% $1247
$500 to $749 547 39.0% $1922
$750 to $999 251 18.0% $2672
$1,000 to $1,499 349 25.0% $3797
$1,500 or more 61 4.0% $5447

Rent Affordability in Willows:

Approximately 48.0% (743) of households are spending more than 35% of their income on gross rent in Willows

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 153 9.0%
15.0 to 19.9 percent 169 10.0%
20.0 to 24.9 percent 174 11.0%
25.0 to 29.9 percent 144 9.0%
30.0 to 34.9 percent 156 10.0%
35.0 percent or more 743 48.0%

Willows Renters Insurance Discounts:

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

Number of Vehicles in Willows, CA Number of Housing Units % of Total Renters Insurance Insurance Savings by Bundling Auto Insurance
1 vehicle available 703 45.0% $18.9
2 vehicles available 478 31.0% $28.35
3 or more vehicles available 195 12.0% $37.8

Willows Senior Citizen Discounts:

Age Senior Occupied Housing Units % of Total Discount offered
55 to 59 years 67 4.0% $74
60 to 64 years 113 7.0% $59
65 to 74 years 61 3.0% $48
75 years and over 86 5.0% $37

Protective device discount in Willows Up to :  $28

Claims-free discount in Willows Up to :  $37