Alturas Insurance Rates:

Alturas, CA homeowners insurance is roughly $499 to $683, about $41-$56/month. Our comprehensive guide reveals consumers can save upto $236 by comparing multiple quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Alturas, CA Homeowners Insurance By Home Value

Alturas, CA Home Value Total Homes % of Total Average Alturas, CA Homeowners Insurance
Less than $50,000 202 12.0% $94
$50,000 to $59,999 30 1.0% $206
$60,000 to $69,999 59 3.0% $254
$70,000 to $79,999 21 1.0% $295
$80,000 to $89,999 77 4.0% $336
$90,000 to $99,999 74 4.0% $372
$100,000 to $124,999 279 17.0% $431
$125,000 to $149,999 132 8.0% $543
$150,000 to $174,999 177 10.0% $638
$175,000 to $199,999 27 1.0% $738
$200,000 to $249,999 176 10.0% $892
$250,000 to $299,999 229 14.0% $1087
$300,000 to $399,999 137 8.0% $1382

Top Home Insurance Agents Near Alturas, CA

Home Insurance Company Near Alturas, CA Homeowners Insurance Agency Near Alturas, CA Address
State Farm Ken Phillips 401 Us Highway 395 E, Alturas, CA, 96101-4200
Allstate Nolte-Fuller Ins Inc 28th North G Street, Lakeview, OR, 97630

Cost Of Homeowners Insurance By Street Near Alturas, CA

Streets in Alturas Area Homeowners Insurance Cost
Crowder Flat Rd, Pioneer Rd, Melvilane Ave, Plehn Rd, W Carlos St, E 11th St, Snowgoose Ln, Co Rd 189, Bensen Rd, Willow View Dr$597
Elk Dr, Co Rd 198, S Cedar St, Shingle Springs Dr, Gloster Ranch Rd, W 2nd St, Anna Ln, Parker Dr, Pintail Rd, Brooks Rd$606
Co Rd 257, Laramie Rd, E 12th St, Mountain Quail Ln, Lake Rd, Ozite Rd, Co Rd 133B, Felix Ln, Forrest Ave, W 19th St$607
Co Rd 267A, Tiger Dr, Co Rd 139, Wolf Dr, Wilderness Dr, Bobcat Dr, Warner Mountain Dr, Kemble St, Alpine Cir, Buggy Trace Rd$605
Co Rd 67, Beaver Dr, Hornitos Trl, State Line Ln, Co Rd 46, E 3rd St, S Estes St, S Howard St, Co Rd 267, Co Rd 200$592

Alturas, CA Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Alturas$88 to $91
Modoc County$88
Daphnedale Park$85
California Pines$91

Alturas, CA Auto & Homeowners Insurance Bundling Discounts

Place 1 Car Bundle Savings On Insurance 2 Car Bundle Savings On Insurance 3 Car Bundle Savings On Insurance
Modoc County, California $89 $118 $177
California Pines CDP, California $91 $121 $182
Canby CDP, California $85 $113 $170

Alturas, CA Area Home Insurance as a % of Housing Cost

PlaceHome insurance as a % of housing cost for homes with mortgageHome insurance as a % of housing cost for homes without mortgage
Alturas, CA4.2%14.4%
Modoc County4.24%14.66%
Lake City4.63%18.79%
Cedarville3.56%14.61%

Alturas Renters Insurance as a Percentage of Rent

Alturas Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 23 3.0% $354
$200 to $299 9 1.0% $804
$300 to $499 67 11.0% $1254
$500 to $749 173 28.0% $1929
$750 to $999 200 33.0% $2679
$1,000 to $1,499 79 13.0% $3804
$1,500 or more 48 8.0% $5454

Average Cost Of Home Insurance By Company In Areas Nearby Alturas For Different Scenarios

Coverage ($) Deductible ($) Age of home Company Average homeowners insurance premium ($)
150000500NewHartford (Sentinel)450
200000500NewUSAA437
250000500NewCalifornia Casualty567
250000500NewFarmers (Fire Ins)965
4000001000NewEncompass1840
5000001000NewForemost Insurance1905
7500002500NewSafeco926
7500002500NewUniversal North America943
1500002501-3 YearsEncompass1204
25000010001-3 YearsAIG Prop Cas1078
25000010001-3 YearsCalifornia Casualty607
25000010001-3 YearsForemost Insurance855
40000010001-3 YearsLiberty Ins Corp804
40000010001-3 YearsMercury Ins Group494
50000025001-3 YearsAmerican Modern1462
75000025001-3 YearsHartford (Sentinel)1484
1500002504-6 YearsMAPFRE Group617
1500005004-6 YearsAmica Mutual612
25000010004-6 YearsFirst American Ins617
2500005004-6 YearsAmerican Reliable703
3000005004-6 YearsCalifornia Casualty1036
3000005004-6 YearsMercury Ins Group538

Alturas, CA Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,600$2,600
Yearly Alturas Homeowner Insurance Premium Example $700$500
Out of Pocket Expense During Claim$1,600$2,600
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $7,200$6,600
Net Savings to Alturas Home Owner from High Deductible Plan $600

Alturas, CA Home Insurance Costs With Home Replacement Value Scenarios

Scenario Alturas, CA Home Replacement Value MORE than Home Value Alturas, CA Home Replacement Value LESS than Home Value
Replacement Value $146,000 $94,500
Insurance Premium based on Replacement Value $400 $275
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $33,500 Risk Exposure from Under Insuring Coverage is $18,000
Premium Impact Insurance cheaper by $50/year Insurance costlier by $75/year

Example Alturas Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company AllstateTravelersFarmers Insurance
Monthly Premium 212226
Year Built 198619731990
Home Details 5 Beds, 1 Baths2 Beds, 1 Baths3 Beds, 1 Baths
Coverage Amount $125000-$150000$100000-$125000$150000-$175000
Deductible $5000 to $10,000 Deductible$500- $1000 Deductible$5000 to $10,000 Deductible

Sample Home Insurance Rates for Alturas, CA from Consumer Reviews & Surveys

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1963 495,000 Tile Roof 4,700 5 $500- $1000 Deductible 820 8 Brick siding yes
2000 160,000 Metal Roof 1,900 4 $5000 to $10,000 Deductible 60 3 Wood siding yes
1971 230,000 Wood Shake Roof 2,830 4 $5000 to $10,000 Deductible 420 10 Vinyl siding yes
2003 105,000 Shingles Roof 1,110 2 $500- $1000 Deductible 240 10 Stone Siding yes
1942 125,000 Tile Roof 1,480 2 $1000-$2500 Deductible 220 9 Wood siding No
1960 305,000 Metal Roof 3,740 5 $1000-$2500 Deductible 590 8 Brick siding yes
1999 185,000 Slate Shingles Roof 2,080 5 $1000-$2500 Deductible 220 6 Wood siding yes
2004 140,000 Asphalt Shingles Roof 1,780 2 $500- $1000 Deductible 220 5 Fiber-Cement Siding yes
1966 235,000 Membrane Roof 2,440 5 $5000 to $10,000 Deductible 100 3 Vinyl siding yes
1969 110,000 Composition Roof 1,290 3 $500 Deductible 300 9 Stucco siding No
2008 110,000 Composition Roof 1,380 3 $2500-$5000 Deductible 200 12 Wood siding yes
1994 245,000 Tile Roof 3,190 4 $2500-$5000 Deductible 620 10 Brick siding yes
1992 235,000 Slate Shingles Roof 2,830 4 $500 Deductible 240 4 Stone Siding yes
1942 110,000 Asphalt Shingles Roof 1,450 2 $2500-$5000 Deductible 70 5 Fiber-Cement Siding No
1967 145,000 Metal Roof 1,730 2 $500 Deductible 90 2 Vinyl siding yes
1999 205,000 Metal Roof 2,410 4 $1000-$2500 Deductible 90 2 Vinyl siding No
2002 120,000 Wood Shake Roof 1,350 3 $1000-$2500 Deductible 330 10 Fiber-Cement Siding No
1968 210,000 Tile Roof 2,530 5 $2500-$5000 Deductible 220 6 Vinyl siding yes
1965 120,000 Asphalt Shingles Roof 1,570 2 $500 Deductible 160 4 Stucco siding No
1973 180,000 Asphalt Shingles Roof 2,490 4 $5000 to $10,000 Deductible 320 12 Brick siding No
2002 255,000 Slate Shingles Roof 2,620 4 $5000 to $10,000 Deductible 30 1 Wood siding yes
1964 310,000 Shingles Roof 3,890 5 $1000-$2500 Deductible 450 8 Brick siding yes
2008 250,000 Metal Roof 2,840 4 $500 Deductible 250 4 Brick siding yes
1943 225,000 Wood Shake Roof 2,470 4 $5000 to $10,000 Deductible 270 10 Stone Siding yes
2004 260,000 Membrane Roof 3,540 5 $500- $1000 Deductible 500 9 Stone Siding No
1941 150,000 Metal Roof 1,790 2 $2500-$5000 Deductible 130 4 Vinyl siding yes
1960 115,000 Asphalt Shingles Roof 1,420 3 $500 Deductible 150 6 Wood siding yes
1960 115,000 Asphalt Shingles Roof 1,300 2 $1000-$2500 Deductible 240 7 Brick siding yes
2008 125,000 Slate Shingles Roof 1,340 2 $500 Deductible 400 12 Wood siding yes
1978 230,000 Composition Roof 2,800 4 > $10,000 Deductible 70 2 Brick siding yes
1966 100,000 Asphalt Shingles Roof 920 2 $500- $1000 Deductible 200 9 Wood siding No
1949 220,000 Composition Roof 2,510 4 $5000 to $10,000 Deductible 420 12 Stone Siding yes
1998 150,000 Wood Shake Roof 2,080 4 $2500-$5000 Deductible 260 8 Vinyl siding yes
1963 135,000 Composition Roof 1,580 2 $500 Deductible 40 1 Wood siding No