Ceres Insurance Rates:

Ceres, CA homeowners insurance is about $505 to $683, about $42-$56/month. Our extensive analysis indicates shoppers can save as much as $237 by comparing many quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

State Farm
Without giving out my personal information, I can say that my premium and deductible is all very easy to manage. Once again, I have nothing at all negative to say.
Geico
My experience with Geico has been amazing. I had a claim once and it was very easy to file the claim and get the claim paid. I have not had any problems with them. I think their prices are a little bit higher though.
Allstate
I like allstate insurance, because i feel safe and secure in knowing our home is covered in case of fire, natural disaster, or other various accidents. allstate has a good reputation to uphold, so i feel this company is a good choice of insurance provider.
Progressive
I do not like the fact that my insurance company is small and less well-known than other brands of insurance. it is more of a hassle to work with a company that is smaller.
State Farm
Something else i really like is the ease of policy set up. the customer reps really make this easy and efficient to get things set up and that's one of the main things i need with an insurance company.
Farmer's Insurance
Customer service has always been great and prompt during the times when it was needed - I am confident in their ability to handle a situation.
State Farm
I have been with State farm for 37 yrs. and I have never thought once about switching, That is done to their awesome customer service and the way I and my wife are treated.
Encompass Insurance
My policy offerings are about average to other plans. There's nothing specifically that keeps me with this company due to any extras I'm receiving.

Ceres, CA Homeowners Insurance By Home Value

Ceres, CA Home Value Total Homes % of Total Average Ceres, CA Homeowners Insurance
Less than $50,000 756 9.0% $83
$60,000 to $69,999 94 1.0% $225
$70,000 to $79,999 122 1.0% $261
$80,000 to $89,999 240 2.0% $297
$90,000 to $99,999 261 3.0% $332
$100,000 to $124,999 831 10.0% $386
$125,000 to $149,999 982 12.0% $487
$150,000 to $174,999 1,296 15.0% $576
$175,000 to $199,999 782 9.0% $665
$200,000 to $249,999 1,088 13.0% $795
$250,000 to $299,999 853 10.0% $974
$300,000 to $399,999 766 9.0% $1241

Top Home Insurance Agents Near Ceres, CA

Home Insurance Company Near Ceres, CA Homeowners Insurance Agency Near Ceres, CA Address
NA B-V Insurance Services 1301 L St Ste 1, Modesto, CA, 95354
Travelers Cromwell & Ney Insurance Agency Inc 1718 MAIN STREET, ESCALON, CA, 95320
Farmers Rachel Sauseda 112 S Church St, Lodi, CA, 95240
Farmers Roy Fanucchi 1833 W March Ln Ste 2, Stockton, CA, 95207
Farmers Ryan Turner 4560 N Pershing Ave Ste B, Stockton, CA, 95207

Ceres, CA Home Insurance Agents for Top Companies


Cost Of Homeowners Insurance By Street Near Ceres, CA

Streets in Ceres Area Homeowners Insurance Cost
Vandalay Ct, Clarendon Ct, Chablis Way, E Redwood Rd, Sungate Dr, Arthur Way, Helen Perry Rd, Blackberry Way, Flamingo Dr, Marshfield Ln$604
Watson Ave, Kinser Rd, Oriole Dr, Shadowbrook Way, Fallquist Way, Panero Way, Logan Ct, Allacante Dr, Ginkgo Ct, Railroad Ave$584
Valley Oak Dr, Glen Park Way, Dirk Ct, Oak Grove Rd, Richland Ave, Valley Wind Way, Lawrence St, Robin Dr, Dover Ave, el Rosal Ave$585
Lupin Ln, Southern Oak Dr, Fowler Rd, Riverview Ct, Mira Sol Dr, West Ave, Barry Ct, Bacall Way, Fowler Rd, Lars Ct$604
Glen Harbor Dr, Malik Ave, Twilight Dr, Waynesboro Dr, Park East Dr, Redwood Rd, Olivero Rd, Burton Dr, Midway Ave, E Service-Road$593

Ceres, CA Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Ceres$88 to $91
Parklawn$86
Bystrom$87
Cowan$88

Ceres, 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
Parklawn CDP, California $86 $115 $173
Bystrom CDP, California $87 $116 $174
Shackelford CDP, California $87 $116 $174

Ceres, 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
Ceres, CA2.8%12.5%
Parklawn5.26%20.36%
Bystrom3.87%13.68%
Shackelford3.45%16.7%

Ceres Renters Insurance as a Percentage of Rent

Ceres Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 171 3.0% $803
$300 to $499 124 2.0% $1253
$500 to $749 812 17.0% $1928
$750 to $999 1,612 34.0% $2678
$1,000 to $1,499 1,267 27.0% $3803
$1,500 or more 616 13.0% $5453

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

Coverage ($) Deductible ($) Age of home Company Average homeowners insurance premium ($)
150000250NewHorace Mann389
150000250NewLiberty Ins Corp501
1500002504-6 YearsLiberty Ins Corp651
1500005001-3 YearsKemper433
1500005001-3 YearsUniversal North America352
1500005004-6 YearsFirst American Ins420
2000005001-3 YearsGeneral Ins274
2000005001-3 YearsHartford (Sentinel)527
2000005007-15 YearsEncompass855
20000050016-25 YearsForemost Insurance891
20000050016-25 YearsGrange535
25000010001-3 YearsTravelers490
250000100026-40 YearsCalifornia Casualty839
250000500NewCSE Safeguard529
2500005007-15 YearsStillwater Ins Co863
25000050026-40 YearsAmerican Reliable1004
25000050041-70 YearsAIG Prop Cas1271
25000050041-70 YearsLiberty Ins Corp1298
300000500NewAmerican Security751
300000500NewSafeco490
300000500NewUSAA683
3000005001-3 YearsCSAA Ins Exch759

Ceres, CA Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,000$2,000
Yearly Ceres Homeowner Insurance Premium Example $800$600
Out of Pocket Expense During Claim$1,000$2,000
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $7,400$6,800
Net Savings to Ceres Home Owner from High Deductible Plan $600

Ceres, CA Home Insurance Costs With Home Replacement Value Scenarios

Scenario Ceres, CA Home Replacement Value MORE than Home Value Ceres, CA Home Replacement Value LESS than Home Value
Replacement Value $157,500 $105,500
Insurance Premium based on Replacement Value $400 $275
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $15,500 Risk Exposure from Under Insuring Coverage is $36,500
Premium Impact Insurance cheaper by $100/year Insurance costlier by $25/year

Example Ceres Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Chubb Group of InsuranceFarmers InsuranceLiberty Mutual
Monthly Premium 673955
Year Built 201320011989
Home Details 3 Beds, 2 Baths4 Beds, 1 Baths5 Beds, 3 Baths
Coverage Amount $200000-$250000$175000-$200000$350000-$400000
Deductible $500 Deductible$2500-$5000 Deductible> $10,000 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1993 350,000 Asphalt Shingles Roof 3,090 4 $500 Deductible 160 2 Wood siding No
1990 170,000 Wood Shake Roof 1,690 4 $500 Deductible 350 7 Vinyl siding No
1980 155,000 Slate Shingles Roof 1,540 5 $5000 to $10,000 Deductible 130 8 Fiber-Cement Siding yes
1997 230,000 Membrane Roof 2,580 4 $500- $1000 Deductible 410 7 Stone Siding yes
1991 225,000 Shingles Roof 2,320 5 $5000 to $10,000 Deductible 240 9 Stucco siding yes
1984 215,000 Composition Roof 2,420 4 $5000 to $10,000 Deductible 30 1 Wood siding yes
2002 170,000 Composition Roof 2,020 4 $500- $1000 Deductible 350 7 Fiber-Cement Siding yes
1995 230,000 Wood Shake Roof 2,320 4 $500 Deductible 80 1 Brick siding yes
1992 145,000 Slate Shingles Roof 1,470 3 $500- $1000 Deductible 40 1 Stucco siding yes
2013 340,000 Slate Shingles Roof 2,980 4 > $10,000 Deductible 460 10 Vinyl siding No
2011 175,000 Metal Roof 2,200 4 $1000-$2500 Deductible 180 5 Stucco siding No
2007 145,000 Composition Roof 1,600 4 $2500-$5000 Deductible 170 6 Wood siding yes
2012 245,000 Asphalt Shingles Roof 2,580 4 $2500-$5000 Deductible 40 1 Wood siding yes
2007 195,000 Tile Roof 1,750 3 $5000 to $10,000 Deductible 120 4 Fiber-Cement Siding yes
2010 185,000 Asphalt Shingles Roof 2,240 4 $1000-$2500 Deductible 110 3 Brick siding yes
2011 210,000 Asphalt Shingles Roof 2,480 4 > $10,000 Deductible 290 9 Wood siding yes
1988 335,000 Composition Roof 3,090 4 $500 Deductible 780 10 Brick siding No
2005 300,000 Tile Roof 3,280 4 > $10,000 Deductible 350 12 Fiber-Cement Siding yes
2011 260,000 Slate Shingles Roof 2,360 5 $500- $1000 Deductible 160 3 Fiber-Cement Siding yes
1991 230,000 Asphalt Shingles Roof 2,730 4 $1000-$2500 Deductible 90 2 Vinyl siding No
2008 235,000 Asphalt Shingles Roof 2,770 5 $500 Deductible 540 7 Stone Siding yes
1994 235,000 Wood Shake Roof 2,020 3 $500 Deductible 90 2 Wood siding No
2003 220,000 Wood Shake Roof 2,510 4 $500- $1000 Deductible 400 10 Brick siding No
1991 180,000 Shingles Roof 1,700 4 $1000-$2500 Deductible 280 7 Vinyl siding No
1989 200,000 Composition Roof 1,780 3 $500- $1000 Deductible 190 4 Fiber-Cement Siding No
1991 455,000 Slate Shingles Roof 4,270 5 $500- $1000 Deductible 410 4 Stucco siding yes
1982 165,000 Tile Roof 1,870 5 $500- $1000 Deductible 240 8 Fiber-Cement Siding yes
2004 240,000 Slate Shingles Roof 2,510 4 $1000-$2500 Deductible 320 6 Wood siding yes
1987 340,000 Membrane Roof 3,040 4 $5000 to $10,000 Deductible 440 10 Fiber-Cement Siding No
2013 390,000 Slate Shingles Roof 4,010 5 $5000 to $10,000 Deductible 400 6 Stone Siding No
2012 180,000 Composition Roof 1,630 4 $1000-$2500 Deductible 370 10 Fiber-Cement Siding yes
1991 180,000 Metal Roof 2,220 3 $2500-$5000 Deductible 70 2 Brick siding No
2009 375,000 Metal Roof 3,880 5 $5000 to $10,000 Deductible 110 2 Stucco siding No
2011 165,000 Membrane Roof 1,630 4 $5000 to $10,000 Deductible 70 2 Wood siding No

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