Chico Insurance Rates:

Chico, CA homeowners insurance is approximately $521 to $705, about $43-$58/month. Our detailed guide shows customers can save as much as $244 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
I would recommend State Farm because even though the process was less than desirable, they helped me in any way they could. I haven't had a problem with State Farm paying anything out.
I would recommend nationwide for home insurance because I feel it is the best product you can get for your money.
Alcott Insurance
What i like about alcott is the wide network of medical doctors and dentists and other medical providers that take their coverage
I would recommend this insurance company because I am fully satisfied with them. I can contact them via online, phone app, or phone. Easy access is always a plus, the customer service is good.
State Farm
I recommend State Farm for home insurance because they are always there for you no matter what the problem. I have them fro Auto insurance also and they have a spectacular roadside assistance program.
Progressive's home insurance policy offerings are comparable to their competitors. I know I get a discount since I have my auto insurance with them as well, and I like this very much.
State Farm
I'm completely satisfied and would 100% recommend State Farm for home insurance coverage. I'd put my reputation on the line in order to recommend them.
State Farm
I don't always feel like i'm heard. as a customer, my priorities should be the company's priorities and i don't always feel that way with state farm.
The prices are a good deal for the amount of coverage! even if a claim does need to be filed the rates do not increase as much as they could!
My policy premium does not seem like it keeps going up. the rates are staying very competitive.
State Farm
It's a pretty good premium for my house, and I have the money to spend so it works out. I would give State Farm an A rating on premium coverage.
State Farm
I wish that the prices were down some, but the coverage is great and the service is excellent.
State Farm
Policies are a bit higher priced than others due to the factors above. I also don't feel they are as competitive when it comes to car insurance as I can get lower quotes from other outlets pretty easily.
Liberty Mutual
It is sufficient but since i've never had a claim I have no clue how they will actually respond.
I use geico because they serve the military and are goverment. Their prices are always good and staff is very helpful to me and my family.
My premium has been going up every year and I'm unable to switch insurance providers because no one else will cover me because my electrical system/box needs to be updated.
State Farm
I don't really have anything negative to say about our company. Maybe our policy could be less expensive because we don't make a lot of claims and haven't had any problems with our car or house.
Allstate is a national company that is very competitive and competitively priced. They have much to offer and they have great customer service. The website is easy to access and has everything that I need. Great company.
Farmer's Insurance
I do like that they are local and have very competitive costs and don't try to upsell on unnecessary policies, our agent is nice and easy to work with.
I would recommend them because when something did happen to my house they came out fast.
I would recommend my current insurance company because they are really good at what they do and they will make sure that they answer every question that you have.
State Farm
I would recommend this company for several reasons. They are very customer friendly. They are always available. The premium is low.
I would strongly recommend progressive for homeowners. They have provided me a fantastic policy with a great premium and deductible. Their customer service and online access has been great.
State Farm
I've been very satisfied with my home insurance and have not even compared it to other services in many years. I have been loyal to State Farm because they have given me.
I think that the prices they offer could be better and that they can work on improving the number of physical locations they have available in my area.
State Farm
I have no complaints at all. The company has been easy to work with. They are accessible, reasonably priced, and always available.
Amica Mutual Insurance
There are several independent organizations, whose sole purpose is to evaluate insurance companies on a range of issues ranging from financial capacity, payment of claims, history, customer satisfaction, pricing structure and product offerings.
State Farm
The agents give personal attention. They contact me at least annually to conduct reviews of my insurance coverage and are very friendly. I have had to make a claim when my roof started to fail and leak. They were very easy to work with and quick to respond. They did as they said they would to help me through that problem.

Chico, CA Homeowners Insurance By Home Value

Chico, CA Home Value Total Homes % of Total Average Chico, CA Homeowners Insurance
Less than $50,000 1,625 10.0% $48
$70,000 to $79,999 162 1.0% $159
$100,000 to $124,999 194 1.0% $232
$125,000 to $149,999 342 2.0% $293
$150,000 to $174,999 877 5.0% $348
$175,000 to $199,999 808 5.0% $403
$200,000 to $249,999 2,940 19.0% $483
$250,000 to $299,999 3,158 20.0% $593
$300,000 to $399,999 4,746 31.0% $752

Top Home Insurance Agents Near Chico, CA

Home Insurance Company Near Chico, CA Homeowners Insurance Agency Near Chico, CA Address
NA Glenn County Insurance Agency, Inc. Dba Gci Insurance Brokers 227 Swift St, Orland, CA, 95963
State Farm Craig Starkey 1258 Stabler Ln Ste 110, Yuba City, CA, 95993-2627
State Farm Gayle Aylward 1277 East Ave Ste 110, Chico, CA, 95926-1022
State Farm Steve Cook 1290 Lincoln Rd Ste 1, Yuba City, CA, 95991-6735
State Farm Tracy Martin 2607 Forest Ave Ste 120, Chico, CA, 95928-4394

Chico, CA Home Insurance Agents for Top Companies

Cost Of Homeowners Insurance By Street Near Chico, CA

Streets in Chico Area Homeowners Insurance Cost
Nord Gianella Rd, Remington Dr, Autumn Hill Ln, Saurat Ct, Ceres Ave, Southbury Ln, Guill St, Coach Lite Dr, Viceroy Dr, Rio Lindo Ave$614
Fairmont Ter, Ivy St, San Jose St, Ellene Ave, Woodland Ave, Kentfield Rd, Maddie Ct, Rocky Bluff Dr, Oak Vista Ave, Airpark Blvd$611
Fir St, la Leita Ct, Ash St, Lia Way, Rainier Ln, Warner St, Hamilton Nord Cana Hwy, Jetta Ct, E 1st Ave, Adlar Ct$616
Goldenrod Way, Glacier Peak Ln, Deveney St, Wine Blossom Dr, Dominion Dr, Limousin Dr, Cade Ct, Jillian Ln, Hilda Way, Philadelphia Dr$626
W 7th St, Gateway Ln, Rugosa Oak Ct, Southbury Ln, Comice Ct, Cana Pine Creek Rd, Cortina Dr, Sandra Cir, Jonell Ln, Degarmo Dr$604
Hoby Ln, Switzerland St, Oroville Ave, Camper Ln, Woodside Ln, W 18th St, W East Ave, Dixon St, Rancheria Dr, Walnut St$614
B St, Radcliff Ln, Nicole Ln, Elk Ave, Oak Park Ave, Stilson Canyon Rd, Augusta Ln, Wall St, Fern Ave, Humboldt Ave$597
E Park Ave, Hosler Ave, W 10th St, Herlax Cir, Tuolumne Dr, Cameron Ln, Blanton Ct, Forty Niner Ct, Admiral Ln, Bar Triangle St$615
Wanderer Ln, W 2nd St, Degarmo Dr, Sale Ave, Greenhaven Ln, E 11th St, Folsom St, Jake Rd, W 1st St, Virage Ln$613
Warner St, Elm St, Windham Way, Calgary Ln, Westminster Ct, Verbena Ave, W 15th St, McGie St, Natoma Ct, Birdseye Ct$597

Chico, CA Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Chico$91 to $94
Hamilton City$89
Butte Creek Canyon$95

Chico, 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
Nord CDP, California $76 $101 $151
Hamilton City CDP, California $75 $99 $149
Butte Creek Canyon CDP, California $79 $105 $158

Chico, 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
Chico, CA2.8%11.6%
Hamilton City3.33%20.37%
Butte Creek Canyon3.42%13.79%

Chico Renters Insurance as a Percentage of Rent

Chico Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 263 1.0% $793
$300 to $499 878 4.0% $1243
$500 to $749 4,375 22.0% $1918
$750 to $999 5,887 30.0% $2668
$1,000 to $1,499 5,351 27.0% $3793
$1,500 or more 2,488 12.0% $5443

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

Coverage ($) Deductible ($) Age of home Company Average homeowners insurance premium ($)
150000250NewStillwater Ins Co377
1500005001-3 YearsForemost Insurance627
1500005001-3 YearsIntegon/National525
1500005007-15 YearsMAPFRE Group606
15000050016-25 YearsTokio Marine America305
15000050026-40 YearsAmica Mutual679
15000050026-40 YearsKemper663
15000050041-70 YearsGrange985
15000050041-70 YearsHartford (Sentinel)581
200000500NewStillwater Ins Co421
2000005001-3 YearsGrange1015
2000005007-15 YearsSafeco712
20000050041-70 YearsIntegon/National949
2500001000NewHartford (Sentinel)448
25000010001-3 YearsMercury Ins Group344
25000010001-3 YearsTravelers635
25000010004-6 YearsAmerican Modern826
25000010004-6 YearsCentury National832
250000100016-25 YearsHartford (Sentinel)699
250000100016-25 YearsMetropolitan Direct907
250000100016-25 YearsUnigard Group899
250000100026-40 YearsCSAA Ins Exch1142

Chico, CA Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Yearly Chico Homeowner Insurance Premium Example $1,100$700
Out of Pocket Expense During Claim$1,900$3,900
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $10,700$9,500
Net Savings to Chico Home Owner from High Deductible Plan $1,200

Chico, CA Home Insurance Costs With Home Replacement Value Scenarios

Scenario Chico, CA Home Replacement Value MORE than Home Value Chico, CA Home Replacement Value LESS than Home Value
Replacement Value $454,000 $338,500
Insurance Premium based on Replacement Value $1,325 $975
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $74,000 Risk Exposure from Under Insuring Coverage is $41,500
Premium Impact Insurance cheaper by $125/year Insurance costlier by $225/year

Example Chico Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Chubb Group of InsuranceTravelersNationwide Insurance
Monthly Premium 1003630
Year Built 199520061982
Home Details 5 Beds, 3 Baths3 Beds, 2 Baths2 Beds, 1 Baths
Coverage Amount $400000-$500000$200000-$250000$150000-$175000
Deductible $1000-$2500 Deductible$5000 to $10,000 Deductible$5000 to $10,000 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1998 430,000 Membrane Roof 2,460 4 $500- $1000 Deductible 1340 12 Stucco siding yes
2005 480,000 Shingles Roof 2,730 5 > $10,000 Deductible 160 3 Wood siding No
1960 420,000 Membrane Roof 3,470 5 $500 Deductible 380 3 Stucco siding yes
2008 210,000 Shingles Roof 1,630 2 $500 Deductible 390 9 Vinyl siding yes
1996 235,000 Tile Roof 1,390 2 > $10,000 Deductible 310 10 Fiber-Cement Siding yes
1981 730,000 Composition Roof 4,360 5 $5000 to $10,000 Deductible 1010 9 Wood siding No
2009 270,000 Asphalt Shingles Roof 1,540 2 $5000 to $10,000 Deductible 150 3 Stucco siding No
1983 545,000 Composition Roof 4,340 5 $2500-$5000 Deductible 1060 10 Fiber-Cement Siding No
1971 325,000 Tile Roof 2,050 3 $1000-$2500 Deductible 80 1 Stucco siding yes
1980 155,000 Composition Roof 980 2 $500 Deductible 350 9 Vinyl siding yes
1973 690,000 Asphalt Shingles Roof 3,970 5 $5000 to $10,000 Deductible 490 3 Wood siding No
2002 325,000 Wood Shake Roof 2,400 3 $1000-$2500 Deductible 310 5 Stone Siding yes
1974 630,000 Metal Roof 4,760 5 $1000-$2500 Deductible 780 5 Brick siding No
2001 445,000 Asphalt Shingles Roof 3,410 5 $1000-$2500 Deductible 470 6 Vinyl siding yes
1999 245,000 Asphalt Shingles Roof 1,680 4 $500- $1000 Deductible 300 6 Brick siding No
1989 525,000 Wood Shake Roof 3,010 5 $500 Deductible 1510 10 Brick siding No
1966 240,000 Membrane Roof 1,650 5 > $10,000 Deductible 300 10 Stone Siding yes
1992 695,000 Asphalt Shingles Roof 4,560 5 $500- $1000 Deductible 310 2 Stone Siding yes
1989 270,000 Slate Shingles Roof 1,720 3 > $10,000 Deductible 250 7 Stone Siding No
1990 620,000 Slate Shingles Roof 3,490 5 > $10,000 Deductible 810 8 Vinyl siding yes
1976 195,000 Metal Roof 1,350 2 $1000-$2500 Deductible 100 3 Stone Siding No
2003 305,000 Tile Roof 2,330 4 $1000-$2500 Deductible 670 8 Stone Siding yes
1973 290,000 Composition Roof 1,980 5 $2500-$5000 Deductible 410 12 Vinyl siding yes
1990 320,000 Shingles Roof 1,910 3 $500 Deductible 980 12 Fiber-Cement Siding yes
1998 305,000 Tile Roof 2,060 5 $1000-$2500 Deductible 250 4 Brick siding No
2011 625,000 Shingles Roof 3,600 5 > $10,000 Deductible 70 1 Fiber-Cement Siding No
1967 495,000 Composition Roof 3,030 5 $500- $1000 Deductible 1130 9 Stone Siding No
1967 205,000 Composition Roof 1,290 2 $500 Deductible 170 4 Stone Siding No
1988 765,000 Metal Roof 4,360 5 $500- $1000 Deductible 480 4 Vinyl siding yes
1975 230,000 Membrane Roof 1,590 2 > $10,000 Deductible 160 5 Fiber-Cement Siding yes
1956 400,000 Shingles Roof 2,268 4 $2500-$5000 Deductible 180 2 Brick siding No

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