Diamond Springs Insurance Rates:

Diamond Springs, CA homeowners insurance is roughly $514 to $701, about $42-$58/month. Our all inclusive analysis indicates shoppers can save as much as $242 by getting multiple quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Diamond Springs, CA Homeowners Insurance By Home Value

Diamond Springs, CA Home Value Total Homes % of Total Average Diamond Springs, CA Homeowners Insurance
Less than $50,000 328 12.0% $54
$50,000 to $59,999 142 5.0% $121
$70,000 to $79,999 88 3.0% $176
$90,000 to $99,999 74 2.0% $224
$100,000 to $124,999 176 6.0% $261
$125,000 to $149,999 36 1.0% $327
$150,000 to $174,999 55 2.0% $388
$175,000 to $199,999 196 7.0% $449
$200,000 to $249,999 485 18.0% $540
$250,000 to $299,999 327 12.0% $661
$300,000 to $399,999 614 24.0% $837

Top Home Insurance Agents Near Diamond Springs, CA

Home Insurance Company Near Diamond Springs, CA Homeowners Insurance Agency Near Diamond Springs, CA Address
Farmers Duron Crayton 9240 Laguna Springs Dr Ste 101, Elk Grove, CA, 95758
Farmers Harlan Maita 7311 Greenhaven Dr Ste 170, Sacramento, CA, 95831
Travelers Insuranceline Insurance & Financial Services 330 S FAIRMONT AVE STE 5, LODI, CA, 95240
Travelers Paragon Insurance Services 301 NATOMA ST STE 104, FOLSOM, CA, 95630
Travelers Valley Oaks Insurance Agency 1508 EUREKA RD STE 190, ROSEVILLE, CA, 95661

Cost Of Homeowners Insurance By Street Near Diamond Springs, CA

Streets in Diamond Springs Area Homeowners Insurance Cost
Runnymeade Dr, Sherwood Ln, Shady Ln, High Lonesome Trl, Lents Hill Dr, la Serena Ln, Thoreau Dr, Woodsman Loop, Little Canyon Rd, Truscott Ln$609
W View Ct, Glider, Griffith Dr, Blend O Green Way, Kenwood Dr, Casper Ln, French Creek Rd, Strickland Mine Ct, Larkin Mine Rd, Acorn Hill Rd$605
Elly's Aly, Turtle Path, Pretty Penny Ln, Minglewood Ln, Sunnyside Dr, Ridge Dr, Solstice Ct, Hideaway Trl, Grandview Cir, Scenic Dr$637
Brandon Rd, Pepper Ln, Rancheria Ct, Brandy Ln, Allen Hill Ln, Char Mar Cir, Oakvale Dr, First Right Rd, North St, Bramblewood Ln$638
Alice Ct, Holiday Lake Dr, Snoopy Ct, Sawyer Ct, Suncrest Dr, Dolomite Dr, Placid Ln, Neef Ln, Rollo Rd, Heartland Rd$610

Diamond Springs, CA Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Diamond Springs$90 to $93
Placerville$92
Cold Springs$91
Shingle Springs$95

Diamond Springs, 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
Placerville CCD, El Dorado County, California $77 $103 $154
Cold Springs CDP (El Dorado County), California $77 $102 $153
Shingle Springs CDP, California $80 $106 $159

Diamond Springs, 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
Diamond Springs, CA2.6%9.7%
Placerville2.55%9.57%
Cold Springs1.98%11.72%
Shingle Springs2.24%9.14%

Diamond Springs Renters Insurance as a Percentage of Rent

Diamond Springs Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 39 3.0% $346
$200 to $299 28 2.0% $796
$300 to $499 46 4.0% $1246
$500 to $749 81 7.0% $1921
$750 to $999 194 17.0% $2671
$1,000 to $1,499 315 28.0% $3796
$1,500 or more 418 37.0% $5446

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

Coverage ($) Deductible ($) Age of home Company Average homeowners insurance premium ($)
1500002507-15 YearsAmerican Security590
15000025041-70 YearsAIG Prop Cas901
150000500NewNationwide383
1500005001-3 YearsForemost Insurance627
1500005007-15 YearsStillwater Ins Co540
15000050016-25 YearsAAA (Interinsurance Exchange)577
15000050016-25 YearsCSE Safeguard626
2000005001-3 YearsAmica Mutual635
2000005001-3 YearsGeneral Ins442
2000005004-6 YearsCSE Safeguard652
2000005007-15 YearsMercury Ins Group572
20000050026-40 YearsIntegon/National876
20000050026-40 YearsMetropolitan Direct1211
20000050041-70 YearsMercury Ins Group538
2500001000NewMetropolitan Direct844
25000010004-6 YearsAmerican Reliable730
250000100016-25 YearsTokio Marine America489
250000100016-25 YearsTravelers821
250000100026-40 YearsAAA (Interinsurance Exchange)869
250000100041-70 YearsChubb/Federal1182
250000100041-70 YearsHorace Mann648

Diamond Springs, CA Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,900$2,900
Yearly Diamond Springs Homeowner Insurance Premium Example $700$500
Out of Pocket Expense During Claim$1,900$2,900
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $7,500$6,900
Net Savings to Diamond Springs Home Owner from High Deductible Plan $600

Diamond Springs, CA Home Insurance Costs With Home Replacement Value Scenarios

Scenario Diamond Springs, CA Home Replacement Value MORE than Home Value Diamond Springs, CA Home Replacement Value LESS than Home Value
Replacement Value $515,500 $326,500
Insurance Premium based on Replacement Value $1,400 $875
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $103,000 Risk Exposure from Under Insuring Coverage is $86,000
Premium Impact Insurance cheaper by $250/year Insurance costlier by $275/year

Example Diamond Springs Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Farmers InsuranceNationwide InsuranceTravelers
Monthly Premium 3460101
Year Built 200219962011
Home Details 3 Beds, 1 Baths4 Beds, 2 Baths4 Beds, 3 Baths
Coverage Amount $175000-$200000$250000-$300000$400000-$500000
Deductible $500- $1000 Deductible$500- $1000 Deductible$500- $1000 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
2013 295,000 Membrane Roof 2,250 3 $500- $1000 Deductible 280 4 Vinyl siding yes
2011 270,000 Shingles Roof 2,260 4 $2500-$5000 Deductible 50 1 Stucco siding No
2013 445,000 Membrane Roof 3,030 4 $1000-$2500 Deductible 970 10 Vinyl siding No
1986 230,000 Shingles Roof 1,910 3 > $10,000 Deductible 300 9 Fiber-Cement Siding yes
2012 220,000 Metal Roof 1,860 4 > $10,000 Deductible 210 9 Fiber-Cement Siding No
1988 220,000 Asphalt Shingles Roof 1,630 4 $500 Deductible 190 4 Stone Siding yes
2006 310,000 Slate Shingles Roof 2,050 4 $500- $1000 Deductible 590 8 Vinyl siding No
1997 255,000 Membrane Roof 2,020 3 $500 Deductible 70 1 Stucco siding No
1985 135,000 Asphalt Shingles Roof 1,260 3 $500 Deductible 110 3 Fiber-Cement Siding No
1993 245,000 Shingles Roof 2,230 3 $5000 to $10,000 Deductible 80 2 Wood siding yes
2014 360,000 Slate Shingles Roof 2,360 3 $500 Deductible 530 7 Brick siding yes
1982 275,000 Composition Roof 2,280 3 $1000-$2500 Deductible 240 4 Vinyl siding No
2012 305,000 Asphalt Shingles Roof 2,090 4 $1000-$2500 Deductible 500 6 Stone Siding yes