Antioch ,CA Home Insurance - The cost of homeowners insurance is influenced by a range of factors, including the value of your coverage, deductible, and the construction materials used in your home.
VHome Insurance conducted a thorough analysis of the Antioch, CA homeowners insurance market, taking into account factors like average costs, range of coverages, deductibles and customer satisfaction ratings to determine the best providers. The Average home insurance cost in Antioch, CA is $1346. Enter your zipcode below and click “GO” to get multiple free quotes.
It is important to understand the different coverage options available in Antioch, CA. VHome Insurance will help you navigate the world of homeowners insurance coverages in Antioch, CA.
| Coverage Level | Average Annual Premium |
|---|---|
| $100,000 | $538 |
| $200,000 | $915 |
| $300,000 | $1,131 |
| $400,000 | $1,723 |
| $500,000 | $2,167 |
One key aspect of your policy is the deductible, which is the amount you pay out of pocket before your insurance kicks in. Choosing the right deductible can have a major impact on your insurance premiums and overall savings. In this guide, we'll help you understand the options available for homeowners insurance deductibles in Antioch, CA, and how to choose the right one for your needs.
| Deductible Level | Average Annual Premium |
|---|---|
| $500 Deductible | $1,380 |
| $1000 Deductible | $1,234 |
| $1500 Deductible | $1,164 |
| $2500 Deductible | $1,050 |
| $5000 Deductible | $888 |
| Home Insurance Company Near Antioch, CA | Homeowners Insurance Agency Near Antioch, CA | Address |
|---|---|---|
| Allstate | Noel P. Gallego | 4380 Sonoma Blvd Ste 142, Vallejo, CA, 94589 |
| Farmers | Sonia Vazquez Garcia | 62 E 11th St, Tracy, CA, 95376 |
| NA | Sierra Oak Insurance Services, Inc. | 9700 Business Park Drive, Suite 105 Sacramento, Rancho Cordova, CA, 95827 |
| NA | Dinicola Insurance Services | 1635 Irving Street San Francisco, San Francisco, CA, 94122 |
| Liberty Mutual Independent | Brady-Harbord-Payne | 3608 Grand Avenue, Suite 2, Oakland, CA, 94610 |
| Place | 1 Car Bundle Savings On Insurance | 2 Car Bundle Savings On Insurance | 3 Car Bundle Savings On Insurance |
|---|---|---|---|
| Antioch-Pittsburg CCD, Contra Costa County, California | $75 | $100 | $150 |
| Brentwood city, California | $78 | $104 | $156 |
| Oakley city, California | $76 | $101 | $151 |
| Place | Home insurance as a % of housing cost for homes with mortgage | Home insurance as a % of housing cost for homes without mortgage |
|---|---|---|
| Antioch, CA | 2.2% | 11.9% |
| Antioch-Pittsburg | 2.43% | 12.75% |
| Brentwood | 1.8% | 8.47% |
| Oakley | 2.17% | 9.91% |
| Antioch Home By Monthly Rent | Total Homes | % of Total | Estimated Monthly Income To Afford Rented House Including Renters Insurance |
|---|---|---|---|
| Less than $200 | 121 | 1.0% | $346 |
| $200 to $299 | 345 | 3.0% | $796 |
| $300 to $499 | 463 | 4.0% | $1246 |
| $500 to $749 | 340 | 2.0% | $1921 |
| $750 to $999 | 1,810 | 15.0% | $2671 |
| $1,000 to $1,499 | 3,867 | 34.0% | $3796 |
| $1,500 or more | 4,399 | 38.0% | $5446 |
| Streets in Antioch Area | Homeowners Insurance Cost |
|---|---|
| Tompkins Way, Muledeer Ct, N Apple Ct, Cypress Way, Steed Way, Percheron Way, San Martin Way, Alumrock Dr, Spruce Way, Egret Pl | $609 |
| Braemar St, Oak Haven Ct, Hyde Pl, Evergreen Ave, Minner Ave, Lawton St, Rio Grande Dr, Shelter Cove Ct, L St, Mt Conness Way | $619 |
| Lemontree Way, Keystone Way, Alpine Dr, Sanger Peak Ct, Muir Ct, Point Andrus Ct, Iron Peak Ct, Milner Rd, Lemontree Ct, Madrone St | $582 |
| Niccolite Ct, Edgewater Pl, Longbranch Way, Pronghorn Ct, Pinecrest Ct, Rachel Ct, Imperial St, Cherry Point Ct, Belvedere Way, St Regis Ave | $613 |
| Hidden Glen Dr, Moller Ranch Way, Autumn Valley Way, Blossom Dr, Shadow Cliff Ct, Felsite Ct, Wakefield Ct, Scarlet Way, Lincoln Ln, Navarro Ct | $626 |
| Sheffield Ct, Banbury Way, Rich Spring Dr, Steven S Stroud Dr, Gladstone Dr, Totem Ct, Ashbourne Way, Morro Ct, Santa Barbara Way, S Lake Ct | $610 |
| Doolittle Way, Miller St, Juniper St, Arbol Ct, Rollingwood Pl, Willowbrook Way, Silveria Way, Port Royal Ln, Highland Way, Stallion Way | $610 |
| Broomtail Ct, Waverly Way, Regina Ct, Kepner Ct, Pawnee Dr, Hollowglen Ct, Sumac Way, Marshall Dr, W 6th St, N Royal Links Cir | $621 |
| Longhorn Ct, Parkland Ct, Norine Dr, Excelsior Ct, Carlton Way, Harding Ct, Saint Francis Dr, Avalon Cir, Castletown Way, Fieldcrest Way | $609 |
| Black Oak Ct, Amberidge Ct, Pyrite Ct, Mare Ct, Carlow Way, Birch Ave, Coachford Way, Sungrove Ct, Palm Dr, Milestone Ct | $615 |
| Place | Savings For Senior Occupied Homes |
|---|---|
| Antioch | $91 to $93 |
| Antioch-Pittsburg | $90 |
| Brentwood | $93 |
| Clayton | $99 |
| Coverage ($) | Deductible ($) | Age of home | Company | Average homeowners insurance premium ($) |
|---|---|---|---|---|
| 150000 | 250 | New | AIG Prop Cas | 749 |
| 150000 | 250 | 7-15 Years | Hartford (Sentinel) | 618 |
| 150000 | 250 | 16-25 Years | Universal North America | 504 |
| 150000 | 500 | New | Horace Mann | 331 |
| 150000 | 500 | 1-3 Years | Amco | 413 |
| 150000 | 500 | 1-3 Years | Liberty Ins Corp | 542 |
| 150000 | 500 | 4-6 Years | Amco | 479 |
| 150000 | 500 | 7-15 Years | Chubb/Federal | 859 |
| 150000 | 500 | 7-15 Years | Pacific Specialty | 439 |
| 150000 | 500 | 41-70 Years | CSAA Ins Exch | 638 |
| 200000 | 500 | New | CSAA Ins Exch | 570 |
| 200000 | 500 | New | IDS Property Casualty | 378 |
| 200000 | 500 | New | Travelers | 334 |
| 200000 | 500 | 16-25 Years | Metropolitan Direct | 723 |
| 250000 | 1000 | New | IDS Property Casualty | 427 |
| 250000 | 1000 | 1-3 Years | Horace Mann P & C | 558 |
| 250000 | 1000 | 4-6 Years | Pacific Property And Casualty | 380 |
| 250000 | 1000 | 7-15 Years | Integon/National | 743 |
| 250000 | 1000 | 7-15 Years | Pacific Specialty | 600 |
| 250000 | 1000 | 16-25 Years | Encompass | 695 |
| 250000 | 1000 | 41-70 Years | Pacific Property And Casualty | 840 |
| 250000 | 500 | New | Nationwide | 487 |
| 250000 | 500 | 1-3 Years | Amco | 582 |
| 250000 | 500 | 4-6 Years | Encompass | 754 |
| Low Deductible | High Deductible | |
|---|---|---|
| Deductible | $800 | $2,800 |
| Yearly Antioch Homeowner Insurance Premium Example | $1,800 | $1,300 |
| Out of Pocket Expense During Claim | $800 | $2,800 |
| Total Home Insurance Premium for 7 years + Out of Pocket Expense for Claim | $13,400 | $11,900 |
| Net Savings to Antioch Home Owner from High Deductible Plan | $1,500 | |
| Scenario | Antioch, CA Home Replacement Value MORE than Home Value | Antioch, CA Home Replacement Value LESS than Home Value |
|---|---|---|
| Replacement Value | $369,000 | $228,000 |
| Insurance Premium based on Replacement Value | $1,075 | $650 |
| Risk Exposure from Under Insuring Coverage | Unnecessary Home Insurance Coverage of $72,000 | Risk Exposure from Under Insuring Coverage is $69,000 |
| Premium Impact | Insurance cheaper by $200/year | Insurance costlier by $225/year |
| Insurance Company | Nationwide Insurance | State Farm | GEICO Insurance |
| Monthly Premium | 71 | 67 | 105 |
| Year Built | 2006 | 2013 | 1997 |
| Home Details | 3 Beds, 2 Baths | 4 Beds, 1 Baths | 5 Beds, 3 Baths |
| Coverage Amount | $350000-$400000 | $200000-$250000 | $400000-$500000 |
| Deductible | $1000-$2500 Deductible | $500 Deductible | $500 Deductible |