Carmichael Insurance Rates:

Carmichael, CA homeowners insurance is nearly $522 to $708, about $43-$59/month. Our exhaustive research indicates shoppers can save as much as $246 by comparing many quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

Allstate
I like the company but i don't like prices sometimes prices are very high and there are hidden fees so it is not a stable company
State Farm
I do not have many negative points, except that a claim of ours last year was denied due to flood waters. i wish the insurance companies would recognize these natural disasters and help push thru claims.
Allstate
All-state. the app is very easy to navigate, very user-friendly and easy to make a claim unjust minutes without a headache.
State Farm
I like my agent most of all. She is always there to answer my questions. She is also very visible in our community which gives me the impression she really cares about our town and its people.
State Farm
Good response time and all questions have been answered fully. We feel our agent is actually working for us and wants our business.
Geico
The app is very easy to use and is very easy to understand.
Allstate
I found Allstate to be the best price around. We did Horace Mann, state farm, and Prudential. All were much more. With the bundle, it's great.

Carmichael, CA Homeowners Insurance By Home Value

Carmichael, CA Home Value Total Homes % of Total Average Carmichael, CA Homeowners Insurance
Less than $50,000 499 4.0% $49
$80,000 to $89,999 133 1.0% $172
$100,000 to $124,999 383 3.0% $221
$125,000 to $149,999 309 2.0% $276
$150,000 to $174,999 722 6.0% $332
$175,000 to $199,999 724 6.0% $381
$200,000 to $249,999 2,174 20.0% $461
$250,000 to $299,999 2,003 18.0% $565
$300,000 to $399,999 3,548 32.0% $719

Top Home Insurance Agents Near Carmichael, CA

Home Insurance Company Near Carmichael, CA Homeowners Insurance Agency Near Carmichael, CA Address
Farmers Brad Lauppe 5701 Lonetree Blvd Ste 109, Rocklin, CA, 95765
Farmers Jeffrey Velasquez 750 Oak Avenue Pkwy Ste 160, Folsom, CA, 95630
Allstate Miguel Sanchez 701 12th St, Sacramento, CA, 95814
Liberty Mutual Independent Networked Insurance Agents 443 CROWN POINT CIR STE A, GRASS VALLEY, CA, 95945
Liberty Mutual Wayne Wilson Lutcf 2450 Venture Oaks Way Suite 200, Sacramento, CA, 95833

Cost Of Homeowners Insurance By Street Near Carmichael, CA

Streets in Carmichael Area Homeowners Insurance Cost
Van Ufford Ln, Nile Ct, Natalee Ln, High Sun Ct, Appamottox Way, Plymouth Rock Ln, Centurion Cir, Winsford Ln, Adana Cir, Janell Way$590
Shelfield Dr, Heritage Dr, Nicklaus Pl, Hackberry Ln, Perth Way, White Cloud Ct, Markley Way, Small Hill Ct, Amir Ln, Tonya Way$614
Hilltop Dr, N Sims Way, Cameron Ranch Dr, Hillglen Way, Woodvale Way, Brickwell Way, Orval Way, Valhalla Dr, Glade Ct, Bartig Way$615
Tarro Way, Sudbury Way, Adelina Way, Mahala Dr, Maple Ln, Nicklaus Ln, Murdock Way, Summer Rain Way, Ogilby Way, Tree Side Dr$634
Knoll Top Ct, Shawhan Ln, Cardinal Rd, Lincoln Oaks Dr, Poppleton Way, Lurline Ave, Aris Way, Castle St, Bellue St, Riffle Ct$603
Rhode Island Dr, Tami Way, Rolls Way, Mineral Ct, Wellsboro Way, Trovillion St, Big Arrow Ct, Day Dr, Christina Way, Hollister Ave$616
Patti Jo Dr, Agate Way, Cypress Ave, Hixon Ct, Napoli Ct, River Pine Ct, Walnut Rd, Oak Bough Way, Casa Neustras Way, Shady Ln$610
Fire Water Ct, Virgusell Cir, Brook Park Ln, Rutland Dr, Whitfield Way, Thistlewood Way, Meadowcreek Way, Findley Way, Love Way, Manitoba Ave$587
Westmore Way, Oak Knoll Dr, Raimer Way, Brookglen Way, Greencreek Way, Gibbons Ranch Ln, Panorama Dr, Cookson Ct, Edmunds Way, Rye Way$601
del Dayo Dr, Homesweet Way, Panama Ave, Campo Ct, Casa Alegre, Lime Grove Way, Casa Loma Way, Orangerie Way, Sundown Ct, Casa Nuestras Way$620

Carmichael, CA Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Carmichael$92 to $94
North Highlands$88
Arden-Arcade$91
Foothill Farms$89

Carmichael, 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 Highlands CDP, California $89 $118 $177
Arden-Arcade CDP, California $92 $122 $183
Foothill Farms CDP, California $89 $118 $177

Carmichael, 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
Carmichael, CA2.6%11.8%
North Highlands3.39%14.38%
Arden-Arcade2.63%11.25%
Foothill Farms3.18%12.47%

Carmichael Renters Insurance as a Percentage of Rent

Carmichael Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 260 2.0% $791
$300 to $499 180 1.0% $1241
$500 to $749 1,838 17.0% $1916
$750 to $999 3,841 35.0% $2666
$1,000 to $1,499 3,099 28.0% $3791
$1,500 or more 1,495 13.0% $5441

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

Coverage ($) Deductible ($) Age of home Company Average homeowners insurance premium ($)
150000250NewHomesite684
150000250NewWawanesa475
150000500NewHorace Mann380
2500001000NewAmerican Modern748
250000500NewCSAA Ins Exch718
300000500NewHorace Mann P & C898
5000001000NewCSE Safeguard870
5000002500NewGeneral Ins455
1500005001-3 YearsUnigard Group536
1500005001-3 YearsWawanesa456
3000005001-3 YearsBankers Standard1624
50000025001-3 YearsCentury National1088
75000025001-3 YearsEncompass1776
75000025001-3 YearsQBE (Balboa)1209
1500005004-6 YearsCSAA Ins Exch522
25000010004-6 YearsGrange521
25000010004-6 YearsLiberty Ins Corp692
2500005004-6 YearsFarmers (Fire Ins)1059
2500005004-6 YearsMAPFRE Group693
2500005004-6 YearsPrivilege Underwriters Exch1413
40000010004-6 YearsGeneral Ins581
40000010004-6 YearsUnigard Group1179
50000010004-6 YearsPacific Specialty1451
50000025004-6 YearsBankers Standard1621

Carmichael, CA Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$700$2,700
Yearly Carmichael Homeowner Insurance Premium Example $1,300$900
Out of Pocket Expense During Claim$700$2,700
Total Home Insurance Premium for 7 years + Out of Pocket Expense for Claim $9,800$9,000
Net Savings to Carmichael Home Owner from High Deductible Plan $800

Carmichael, CA Home Insurance Costs With Home Replacement Value Scenarios

Scenario Carmichael, CA Home Replacement Value MORE than Home Value Carmichael, CA Home Replacement Value LESS than Home Value
Replacement Value $329,500 $210,000
Insurance Premium based on Replacement Value $1,025 $650
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $49,500 Risk Exposure from Under Insuring Coverage is $70,000
Premium Impact Insurance cheaper by $225/year Insurance costlier by $150/year

Example Carmichael Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Chubb Group of InsuranceNationwide InsuranceTravelers
Monthly Premium 16310846
Year Built 198219901977
Home Details 5 Beds, 2 Baths4 Beds, 3 Baths2 Beds, 1 Baths
Coverage Amount $700000-$800000$400000-$500000$200000-$250000
Deductible $500- $1000 Deductible$500 Deductible$2500-$5000 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1990 485,000 Shingles Roof 2,950 5 $500 Deductible 280 2 Wood siding No
1985 510,000 Asphalt Shingles Roof 3,370 4 $500 Deductible 770 7 Wood siding No
1981 185,000 Composition Roof 1,040 2 $2500-$5000 Deductible 120 3 Stucco siding yes
1979 390,000 Membrane Roof 2,860 4 $500 Deductible 520 6 Brick siding No
1975 320,000 Wood Shake Roof 1,820 3 $500 Deductible 470 5 Brick siding yes
1966 685,000 Tile Roof 3,760 5 > $10,000 Deductible 830 9 Stone Siding yes
1980 200,000 Wood Shake Roof 1,300 2 $500- $1000 Deductible 260 6 Brick siding yes
1963 640,000 Membrane Roof 4,360 5 $500- $1000 Deductible 1190 9 Fiber-Cement Siding No
1989 210,000 Metal Roof 1,670 4 > $10,000 Deductible 240 10 Stucco siding No
1992 520,000 Composition Roof 3,030 4 $5000 to $10,000 Deductible 530 6 Brick siding yes
1972 420,000 Slate Shingles Roof 2,850 4 $5000 to $10,000 Deductible 110 2 Brick siding yes
1962 310,000 Metal Roof 1,690 2 $5000 to $10,000 Deductible 200 6 Wood siding yes
1992 590,000 Asphalt Shingles Roof 4,440 5 $5000 to $10,000 Deductible 740 7 Wood siding No
1994 390,000 Tile Roof 2,540 4 > $10,000 Deductible 70 1 Vinyl siding yes
1976 425,000 Wood Shake Roof 3,170 4 > $10,000 Deductible 60 1 Stone Siding yes
1999 545,000 Tile Roof 2,940 4 $2500-$5000 Deductible 530 5 Fiber-Cement Siding No
1977 370,000 Shingles Roof 2,440 4 $5000 to $10,000 Deductible 230 5 Vinyl siding No
1981 230,000 Slate Shingles Roof 1,300 3 $500 Deductible 130 2 Wood siding yes
1970 225,000 Composition Roof 1,340 3 $5000 to $10,000 Deductible 210 6 Brick siding yes
1992 380,000 Tile Roof 2,500 5 > $10,000 Deductible 420 7 Fiber-Cement Siding yes
1992 250,000 Shingles Roof 1,740 5 $500 Deductible 180 3 Fiber-Cement Siding No