Auburn Insurance Rates:

Auburn, CA homeowners insurance is roughly $533 to $722, about $44-$60/month. Our detailed research indicates shoppers can save upto $250 by comparing different quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Auburn, CA Homeowners Insurance; What you need to know?

The average cost of home insurance in Auburn, CA is $1094. However, the cost of your policy will vary depending on a number of factors, including the type of coverage you choose and the amount of deductible you choose, as well as the age of the property and the materials used to construct it. The table below summarises the average house insurance costs in Auburn, CA based on the deductible and other factors.

Average Homeowners Insurance Cost Based on the Age of Home 

Auburn_CA_Homeowners_Insurance_What_you_need_to_know

When homeowners choose bigger deductibles, they receive discounts, which translates to lower monthly payments and lower premiums over time. A high deductible policy is a simple method to get more coverage for less money. Homeowners in Auburn who have a high deductible of $2500 can get house insurance for $785. On deductibles of $2000 and $1500, homeowners receive insurance for $835 and $920, respectively.

The average cost of house insurance is directly proportional to the age of the home. Newly constructed Auburn, CA homes can avail lower insurance of $875 since newly built homes have a lesser threat of damage. As a result, home insurance companies offer substantial discounts to newly constructed homes. An older housing means higher rates since houses are more prone to damage and as a result, those with homes over 40 or 50 years old have to pay  $1122-$1136 per year on their premiums.

The type of construction has a significant impact on the cost of homeowners insurance. The more damage-resistant your home is, the less expensive your homeowners insurance will be. For example, a person who lives in Auburn, CA and has fire-resistant construction on their roof can save $952 each year on average. For homes built with Masonry and Brick, insurance firms in Auburn, offer home insurance for $1039 per year. Superior and hail-resistant roofs demand a higher price tag of $985 and $1061 respectively.

Auburn, CA Homeowners Insurance By Home Value

Auburn, CA Home Value Total Homes % of Total Average Auburn, CA Homeowners Insurance
Less than $50,000 831 12.0% $37
$50,000 to $59,999 159 2.0% $81
$60,000 to $69,999 156 2.0% $106
$100,000 to $124,999 123 1.0% $181
$125,000 to $149,999 195 2.0% $225
$150,000 to $174,999 192 2.0% $269
$175,000 to $199,999 321 4.0% $307
$200,000 to $249,999 954 14.0% $369
$250,000 to $299,999 1,074 15.0% $457
$300,000 to $399,999 2,626 38.0% $576

Top Home Insurance Agents Near Auburn, CA

Home Insurance Company Near Auburn, CA Homeowners Insurance Agency Near Auburn, CA Address
State Farm Darryl Fong 8489 Folsom Blvd, Sacramento, CA, 95826-3515
Farmers David Pinto 1109 Kennedy Pl Ste 5, Davis, CA, 95616
Farmers Richard "Rick" Russo 951 Reserve Dr Ste 160, Roseville, CA, 95678
Allstate Scott D. Richards 355 S Michigan Ave Ste 3, Folsom, CA, 95630
Farmers Valerie Adams 7932 Sunset Ave Ste G, Fair Oaks, CA, 95628

Auburn, CA Home Insurance Agents for Top Companies


Cost Of Homeowners Insurance By Street Near Auburn, CA

Streets in Auburn Area Homeowners Insurance Cost
Short Ln, Fawn Hill Ln, Town Ct, Voyiatzes Rd, Reed Ln, Kemper Rd, Sierra Oaks Ct, Ross Dr, Drake Dr, Hastings Ln$622
Winchester Club Dr, Ida St, Tuttle St, Larkin Ln, Wildwood Dr, Slowdown Rd, el Oro Dr, Beacon Hill Rd, Carriage Hill Ln, Vaquero Vista Dr$625
Bean Rd, Campbell Dr, Sunrise Ridge Cir, Verdant Ln, Ridge Rd, Saint Patrick Ln, Lincoln Way, Wimbledon Dr, Moran Dr, Eagles Nest$623
Karla Way, Laurel Dr, Ross Ct, Vis del Monte, Quiet Pl, Blackberry Hill, Ralston Ln, William Ct, South Dr, Lake Arthur Rd$643
Joeger Rd, P and S Ln, Frontier Oaks Ct, Incline Ct, Katherine Way, Oak Knoll Ln, Killarney Way, Morning Sun Ct, Rock Creek Cir, Little Hill Rd$621
Masters Ct, Castle Ln, Cramer Rd, Bear River Ln, Carolyn St, Grandview Dr, Star Thistle Ln, Juniper Dr, Lincoln Nwcl Hwy, Lorenson Rd$648
Oak Springs Ct, Honey Ln, Pond View Ln, Rogers Ln, Hilltop Dr, Country Villa Ct, Grove Ct, Elm Ave, McRanch Rd, Skyridge Dr$623
Electric St, Shalom Ct, Stone House Rd, Centennial Ct, Paint Dr, Collins Dr, Clover Blossom Ln, Tree Top Ln, Meadow Brook Dr, Yancey Dr$616
Teal Ct, Professional Dr, Ridgeview Cir, Marguerite Mine Rd, Miller Ln, Tulip Cir, Hillmont St, Teamtrack Rd, Burgard Ln, Musso Rd$615
Spanish Corral Ln, Shaunsetta Ct, Keena Dr, Upper Auburn Hts, Shadow Ct, Hillcrest Dr, Pinecrest Ave, Ayres Holmes Ln, Sunnyhill Rd, Foresthill Ave$616

Auburn, CA Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Auburn$93 to $96
North Auburn$91
Newcastle$90
Meadow Vista$93

Auburn, 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
North Auburn CDP, California $91 $121 $182
Newcastle CDP, California $90 $120 $180
Meadow Vista CDP, California $93 $124 $186

Auburn, 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
Auburn, CA2.3%10.5%
North Auburn2.62%10.44%
Newcastle2.75%9.81%
Meadow Vista2.46%10.81%

Auburn Renters Insurance as a Percentage of Rent

Auburn Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 147 2.0% $785
$300 to $499 213 3.0% $1235
$500 to $749 617 11.0% $1910
$750 to $999 1,652 29.0% $2660
$1,000 to $1,499 2,043 36.0% $3785
$1,500 or more 865 15.0% $5435

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

Coverage ($) Deductible ($) Age of home Company Average homeowners insurance premium ($)
200000500NewIDS Property Casualty366
300000500NewFirst American Ins630
5000002500NewAmerican Reliable884
5000002500NewTokio Marine America514
7500002500NewAmerican Modern2282
7500002500NewUnigard Group1281
2000005001-3 YearsChubb/Federal929
2000005001-3 YearsStillwater Prop & Cas Co526
2500005001-3 YearsQBE (Balboa)714
2500005001-3 YearsUniversal North America446
50000010001-3 YearsAAA (Interinsurance Exchange)1012
50000010001-3 YearsIntegon/National906
75000025001-3 YearsStillwater Ins Co941
1500002504-6 YearsWawanesa496
2000005004-6 YearsAmerican Modern692
25000010004-6 YearsCentury National659
25000010004-6 YearsQBE (Balboa)611
25000010004-6 YearsState Farm494
40000010004-6 YearsForemost Insurance1455
50000010004-6 YearsMAPFRE Group1175
50000025004-6 YearsSafeco1023
75000025004-6 YearsUniversal North America1103

Auburn, CA Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,100$2,100
Yearly Auburn Homeowner Insurance Premium Example $1,400$1,200
Out of Pocket Expense During Claim$1,100$2,100
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $12,300$11,700
Net Savings to Auburn Home Owner from High Deductible Plan $600

Auburn, CA Home Insurance Costs With Home Replacement Value Scenarios

Scenario Auburn, CA Home Replacement Value MORE than Home Value Auburn, CA Home Replacement Value LESS than Home Value
Replacement Value $495,500 $376,000
Insurance Premium based on Replacement Value $1,425 $1,100
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $51,000 Risk Exposure from Under Insuring Coverage is $68,500
Premium Impact Insurance cheaper by $175/year Insurance costlier by $150/year

Example Auburn Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Farmers InsuranceChubb Group of InsuranceState Farm
Monthly Premium 7589207
Year Built 199819852007
Home Details 3 Beds, 1 Baths4 Beds, 1 Baths5 Beds, 1 Baths
Coverage Amount $350000-$400000$500000-$600000More than 10000000
Deductible $500 Deductible$1000-$2500 Deductible$1000-$2500 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1976 415,000 Metal Roof 2,060 3 $2500-$5000 Deductible 520 9 Fiber-Cement Siding No
1992 490,000 Metal Roof 2,850 4 $5000 to $10,000 Deductible 470 7 Wood siding yes
2007 290,000 Composition Roof 1,570 3 $500- $1000 Deductible 140 2 Stone Siding No
2009 915,000 Shingles Roof 4,200 5 $2500-$5000 Deductible 280 2 Fiber-Cement Siding yes
2008 310,000 Slate Shingles Roof 1,560 3 $500- $1000 Deductible 500 8 Fiber-Cement Siding No
1989 535,000 Tile Roof 3,350 4 > $10,000 Deductible 160 2 Fiber-Cement Siding No
1994 365,000 Composition Roof 2,050 4 > $10,000 Deductible 390 9 Fiber-Cement Siding No
1992 315,000 Membrane Roof 1,600 3 $1000-$2500 Deductible 580 8 Stone Siding No
1980 275,000 Shingles Roof 1,220 3 $1000-$2500 Deductible 500 7 Stucco siding No
1995 370,000 Membrane Roof 2,340 4 $500 Deductible 1350 10 Brick siding No
2014 370,000 Asphalt Shingles Roof 2,090 4 $500- $1000 Deductible 60 1 Stone Siding No
1996 360,000 Membrane Roof 1,840 4 $1000-$2500 Deductible 330 5 Stucco siding No
2004 315,000 Wood Shake Roof 1,780 5 $5000 to $10,000 Deductible 90 2 Fiber-Cement Siding yes
1985 315,000 Slate Shingles Roof 1,950 4 $500- $1000 Deductible 560 8 Fiber-Cement Siding No
2002 615,000 Asphalt Shingles Roof 3,890 5 $500- $1000 Deductible 280 2 Stone Siding No
1971 450,000 Slate Shingles Roof 2,270 3 $500 Deductible 1440 12 Stucco siding yes
2012 725,000 Shingles Roof 4,150 5 $500- $1000 Deductible 1760 10 Stucco siding yes
2012 410,000 Wood Shake Roof 1,840 3 $500 Deductible 280 3 Vinyl siding No
2011 250,000 Slate Shingles Roof 1,670 4 $2500-$5000 Deductible 160 3 Stucco siding yes
1974 445,000 Shingles Roof 2,210 4 > $10,000 Deductible 420 9 Wood siding No
2014 430,000 Wood Shake Roof 2,250 4 $5000 to $10,000 Deductible 310 5 Stucco siding yes
1997 770,000 Membrane Roof 4,150 5 $1000-$2500 Deductible 780 4 Fiber-Cement Siding No
1995 875,000 Tile Roof 4,640 5 $1000-$2500 Deductible 1270 7 Stone Siding yes
1990 460,000 Metal Roof 3,050 4 $500 Deductible 130 1 Stone Siding No
1972 400,000 Shingles Roof 2,560 4 $2500-$5000 Deductible 940 10 Fiber-Cement Siding No
1989 230,000 Shingles Roof 1,520 5 $500 Deductible 770 12 Stucco siding yes
1978 260,000 Composition Roof 1,630 3 $2500-$5000 Deductible 80 2 Vinyl siding No
1989 420,000 Slate Shingles Roof 2,330 4 $2500-$5000 Deductible 770 9 Stone Siding No
1991 235,000 Asphalt Shingles Roof 1,440 3 $2500-$5000 Deductible 210 5 Brick siding yes
2010 455,000 Metal Roof 2,570 4 > $10,000 Deductible 680 12 Wood siding No
1988 555,000 Composition Roof 2,520 4 $500 Deductible 1760 9 Stone Siding yes
1973 510,000 Slate Shingles Roof 2,280 4 $1000-$2500 Deductible 760 6 Brick siding No
1993 410,000 Slate Shingles Roof 1,830 4 $500 Deductible 620 5 Vinyl siding yes
2010 295,000 Asphalt Shingles Roof 1,700 3 $500- $1000 Deductible 120 2 Stucco siding yes

Latest Home Insurance Reviews

Nationwide
We would recommend Nationwide because they are very good when filing a claim. Compared to others we have had in the past, the premiums and deductibles are super reasonable.
First American Home Warranty
My insurance company only covers certain things. i wish they would cover a wider range of repairs.
Progressive
the deductible is the lowest of all the companies around my area and is a lot lower than most of them
State Farm
I have been with State Farm Insurance for four years. We had to make a fire claim a couple of years ago. The adjuster was wonderful and we were paid very quickly. I would rate State Farm a 5.
State Farm
we are very happy with our premiums and deductibles compared to other companies and I believe that we are getting great coverage
State Farm
State Farm's agent and staff are always available when I need them, by telephone or in person. If they don't have an answer to my question immediately, they'll get it fast.
Allstate
I would rate it as a 4, as the insurance company is being paid and does cover our house. However, it does not offer any extra benefits to its customers.
Allstate
My home insurance company policy is more affordable than other home insurance's that I was quoted. I have a $100k home with two garages and a workshop and I required an extensive plan.
State Farm
My home insurance included things like flood and protects my things if ever they were to get stolen. I guess it's comparable to other insurance companies.
Allstate
I recommend this company for home insurance why because this insurance company providee a many flexible offers and my family members also trust to this company for home insurance
Allstate
I don't like that a lot of the policies have so many words in them that it is hard for the everyday person to understand what they are saying.
Westfield Insurance
The rates charged by the company are very competitive and do not contain higher deductibles for certain kinds of damage (i.e. hail). they provide good coverage at affordable rates.
Allstate
Their service is exceptional. They really do a good job in their call centers and they do take care of their customers.
Amica Mutual Insurance
Very friendly and knowledgeable customer service people walk you right through any questions you may have. The process for getting a policy was painless and the rates are incredible.
State Farm
state farm website is easy to understand and have many things to read about to inform you about that many great offers they have
State Farm
I like the communication from my insurance company. They send a magazine with useful information. They send policy notices with plenty of time for payment.
Liberty Mutual
We recommend Liberty Mutual for Home Insurance to those that are in the same situation.They were not the cheapest company we saw until the discount was applied.
Allstate
I would recommend Allstate home insurance because they are really great to work with. They have local agencies that I can just call them up and talk to a real person instead of a national company.

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