Durham Insurance Rates:

Durham, CA homeowners insurance is about $531 to $734, about $44-$61/month. Our comprehensive analysis reveals consumers can save upto $253 by getting different quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Durham, CA Homeowners Insurance By Home Value

Durham, CA Home Value Total Homes % of Total Average Durham, CA Homeowners Insurance
Less than $50,000 45 6.0% $37
$50,000 to $59,999 27 3.0% $75
$100,000 to $124,999 26 3.0% $164
$125,000 to $149,999 25 3.0% $208
$150,000 to $174,999 33 4.0% $246
$175,000 to $199,999 23 3.0% $284
$200,000 to $249,999 113 15.0% $348
$250,000 to $299,999 185 26.0% $424
$300,000 to $399,999 230 32.0% $538

Top Home Insurance Agents Near Durham, CA

Home Insurance Company Near Durham, CA Homeowners Insurance Agency Near Durham, CA Address
Farmers Alfredo Madera 970 Clark Ave Ste B, Yuba City, CA, 95991
State Farm Chuck Hemmert 520 Brunswick Rd, Grass Valley, CA, 95945-9392
State Farm Keith Mcbride 5867 Queen Drive, Paradise, CA, 95969-4624
Farmers Margaret Maggie Capitano 621 B St Ste A, Marysville, CA, 95901
Farmers Ronald Tilton 1921 Mangrove Ave, Chico, CA, 95926

Cost Of Homeowners Insurance By Street Near Durham, CA

Streets in Durham Area Homeowners Insurance Cost
Pepsi Way, Goodspeed St, Oakdale St, Gala Ln, Frank Marion Ln, Teal Ln, Miva Rd, Seven Mile Ln, Natoma Ct, Gerke St$631
Renz Rd, Currier Rd, Lemm Rd, Elk St, Lorton Park Rd, E 11th St, Cummings Ln, S Whitman Pl, Florida Ln, Southwind Ct$636
Boucher St, B St, W 20th St, Guenther Way, Fairview Cir, Holland Ave, Entler Ave, Estes Rd, Reed Ln, Sandhill Ct$639
Bremner Ct, Epperson Way, Sakely Ln, Trades Way, E 14th St, Loren Ave, Midway, Carol Lee Ct, Grainland Rd, Fetter St$640
Sunrise Ct, W 16th St, Hearnow Ln, Cummings Rd, Sarah Ann Ct, Riverview Cir, Gorrill Ln, Turner Ln, Kailua Ln, Pratt Ave$628

Durham, CA Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Durham$93 to $96
Butte Creek Canyon$95
Richvale$89
Butte County$90

Durham, 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
Butte Creek Canyon CDP, California $95 $126 $189
Butte County, California $91 $121 $182
Biggs CCD, Butte County, California $89 $119 $179

Durham, 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
Durham, CA2.7%11.2%
Butte Creek Canyon3.42%13.79%
Butte County3.15%13.03%
Biggs3.49%11.75%

Durham Renters Insurance as a Percentage of Rent

Durham Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 14 2.0% $782
$500 to $749 104 16.0% $1907
$750 to $999 371 58.0% $2657
$1,000 to $1,499 84 13.0% $3782
$1,500 or more 65 10.0% $5432

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

Coverage ($) Deductible ($) Age of home Company Average homeowners insurance premium ($)
150000250NewStillwater Prop & Cas Co421
1500002504-6 YearsHartford (Sentinel)440
15000025026-40 YearsLiberty Ins Corp925
15000025041-70 YearsTokio Marine America332
150000500NewWawanesa451
1500005007-15 YearsAAA (Interinsurance Exchange)542
1500005007-15 YearsLiberty Ins Corp738
200000500NewMetropolitan Direct526
200000500NewSafeco500
2000005004-6 YearsHorace Mann426
2500001000NewPacific Property And Casualty270
25000010001-3 YearsUnigard Group711
25000010004-6 YearsGeneral Ins480
25000010004-6 YearsIntegon/National732
25000010007-15 YearsAIG Prop Cas1273
25000010007-15 YearsCalifornia Casualty792
250000500NewFarmers (Fire Ins)754
2500005001-3 YearsHorace Mann479
2500005001-3 YearsPacific Specialty687
2500005001-3 YearsUSAA593
2500005007-15 YearsSafeco865
25000050016-25 YearsFarmers (Fire Ins)1370
25000050026-40 YearsAmco1032

Durham, CA Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,800$3,800
Yearly Durham Homeowner Insurance Premium Example $1,400$1,000
Out of Pocket Expense During Claim$1,800$3,800
Total Home Insurance Premium for 7 years + Out of Pocket Expense for Claim $11,600$10,800
Net Savings to Durham Home Owner from High Deductible Plan $800

Durham, CA Home Insurance Costs With Home Replacement Value Scenarios

Scenario Durham, CA Home Replacement Value MORE than Home Value Durham, CA Home Replacement Value LESS than Home Value
Replacement Value $245,500 $163,000
Insurance Premium based on Replacement Value $850 $575
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $60,000 Risk Exposure from Under Insuring Coverage is $22,500
Premium Impact Insurance cheaper by $75/year Insurance costlier by $200/year

Example Durham Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company State FarmTravelersAmica Mutual Insurance Company
Monthly Premium 285240
Year Built 197819632013
Home Details 3 Beds, 1 Baths4 Beds, 3 Baths5 Beds, 4 Baths
Coverage Amount $200000-$250000$300000-$350000$200000-$250000
Deductible > $10,000 Deductible> $10,000 Deductible$5000 to $10,000 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1948 335,000 Shingles Roof 1,530 3 $500- $1000 Deductible 100 1 Vinyl siding No
1959 320,000 Wood Shake Roof 1,940 3 $2500-$5000 Deductible 920 12 Vinyl siding yes
1978 375,000 Wood Shake Roof 1,570 3 $5000 to $10,000 Deductible 110 2 Wood siding No
2006 280,000 Composition Roof 1,620 4 $500- $1000 Deductible 550 7 Stucco siding No
1983 290,000 Composition Roof 1,630 5 $1000-$2500 Deductible 340 7 Stone Siding yes
1971 335,000 Asphalt Shingles Roof 1,440 3 $2500-$5000 Deductible 130 3 Vinyl siding No
2000 390,000 Wood Shake Roof 2,080 4 > $10,000 Deductible 100 2 Wood siding No
1958 620,000 Composition Roof 2,830 5 $500 Deductible 1320 12 Brick siding yes
2008 310,000 Composition Roof 1,910 3 $1000-$2500 Deductible 580 8 Wood siding yes
2011 405,000 Asphalt Shingles Roof 1,900 3 $500 Deductible 900 8 Stucco siding No
1940 550,000 Asphalt Shingles Roof 2,530 5 $2500-$5000 Deductible 370 5 Stone Siding yes
1945 510,000 Wood Shake Roof 2,290 4 $1000-$2500 Deductible 1260 9 Wood siding yes
2007 695,000 Membrane Roof 3,530 5 $2500-$5000 Deductible 520 5 Stone Siding No
1968 905,000 Shingles Roof 4,710 5 $2500-$5000 Deductible 1800 10 Stucco siding No
1945 730,000 Metal Roof 3,310 4 > $10,000 Deductible 600 5 Brick siding yes
1955 485,000 Composition Roof 2,090 5 $1000-$2500 Deductible 660 5 Stone Siding yes
1967 400,000 Slate Shingles Roof 2,070 3 $500- $1000 Deductible 880 7 Stucco siding No
1953 525,000 Slate Shingles Roof 3,040 4 > $10,000 Deductible 550 6 Fiber-Cement Siding No
2002 765,000 Shingles Roof 4,400 5 > $10,000 Deductible 560 5 Brick siding yes
1958 320,000 Tile Roof 1,940 3 $5000 to $10,000 Deductible 640 12 Vinyl siding No
2006 410,000 Tile Roof 2,540 5 $2500-$5000 Deductible 60 1 Brick siding yes
1964 595,000 Asphalt Shingles Roof 2,620 4 $2500-$5000 Deductible 920 7 Stone Siding No
2014 565,000 Metal Roof 2,560 4 > $10,000 Deductible 790 8 Brick siding No
2009 310,000 Shingles Roof 1,650 3 $1000-$2500 Deductible 660 8 Wood siding yes
1951 525,000 Metal Roof 2,330 4 $1000-$2500 Deductible 970 9 Brick siding yes
2013 575,000 Tile Roof 2,600 4 $500 Deductible 1750 12 Wood siding No
1945 1,205,000 Composition Roof 4,990 5 $1000-$2500 Deductible 370 2 Vinyl siding No
1967 550,000 Metal Roof 3,060 5 > $10,000 Deductible 670 12 Stucco siding yes
2010 585,000 Wood Shake Roof 3,030 4 $500 Deductible 640 5 Stone Siding yes
1963 315,000 Shingles Roof 1,460 3 $5000 to $10,000 Deductible 100 2 Wood siding No
1943 710,000 Metal Roof 3,200 4 > $10,000 Deductible 1360 12 Stone Siding No