Fair Oaks Insurance Rates:

Fair Oaks, CA homeowners insurance is roughly $533 to $723, about $44-$60/month. Our thorough research indicates shoppers can save upto $251 by comparing many quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

Progressive
The service has been exceptional, the rates a good compared to other companies and the customer service has been great. I have no complaints about this insurance company.
Travelers
I've never called. I got it from a local insurance broker and it has been working since then. I have never had to make a claim, though.
Knights Of Columbus
I NEVER COMPARED THE COMPANIES I JUST GRABBED THE FIRST ONE I COULD FIND
Farmer's Insurance
Home insurance includes any flood damage which is crucial to have when living in texas. any damage affected by water is covered.
Farmer's Insurance
I think that their customer service is very good because there is always someone available to help me if i have a problem.
Old Republic Home Protection
One thing that i liked about my home warranty was that it was pretty much all inclusive(mostly). i had the top of the line home warranty plan and it covered a lot of items that would normally cost a lot of money, however, the company had provided with reasonable price to me

Fair Oaks, CA Homeowners Insurance By Home Value

Fair Oaks, CA Home Value Total Homes % of Total Average Fair Oaks, CA Homeowners Insurance
Less than $50,000 130 2.0% $37
$100,000 to $124,999 98 2.0% $175
$125,000 to $149,999 75 1.0% $226
$150,000 to $174,999 306 6.0% $263
$175,000 to $199,999 147 3.0% $307
$200,000 to $249,999 762 16.0% $370
$250,000 to $299,999 783 16.0% $452
$300,000 to $399,999 2,346 49.0% $571

Top Home Insurance Agents Near Fair Oaks, CA

Home Insurance Company Near Fair Oaks, CA Homeowners Insurance Agency Near Fair Oaks, CA Address
Allstate Confidence Plus Insurance Services 6852 Pacific Ave Ste B, Stockton, CA, 95207
Allstate Daniel Valdez 3465 American River Dr Ste A, Sacramento, CA, 95864
Allstate Rick Domenick 8150 Sierra College Blvd Ste 130, Roseville, CA, 95661
Travelers Truex Insurance Agency 2291 W MARCH LN 100 A, STOCKTON, CA, 95207
Travelers Vaught And Muela Ins Services 2291 W MARCH LN D-100, STOCKTON, CA, 95207

Cost Of Homeowners Insurance By Street Near Fair Oaks, CA

Streets in Fair Oaks Area Homeowners Insurance Cost
Winding Hills Ln, Embassy Ln, Abernathy Ln, Roper Ave, Bluff Ln, Cocoa Palm Way, Squadron Ct, Willowridge Ct, Shady Tree Ct, Sadek Way$633
Dymico Ct, Primrose Dr, Via Roma Dr, Maverick Ct, Howard St, Concord Dr, Llano Ln, Meadowood Way, Jaden Ln, Pendola Dr$636
Valonia St, Livorna Way, Windcove Ct, Huntridge Ln, Friar Tuck Way, Sacramento St, Livoti Ave, Waikiki Dr, Rolling Tree Ln, Mauna Loa Ct$625
Kenroy Way, Widgeon Way, Tree Ct, Stageline Ct, Timm Ave, Blossomwood Ct, Curragh Downs Dr, Susan Oak Dr, Rolling Green Way, Sanford St$633
Woodmont Ct, Shelborn Ct, Minnesota Ave, Old Winding Way, Walnut Villa Way, Crestridge Rd, Lake Nimbus Dr, Nuthatch Ct, Eastwood St, Maui Way$631

Fair Oaks, CA Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Fair Oaks$93 to $96
Gold River$94
Orangevale$91
Citrus Heights$90

Fair Oaks, 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
Gold River CDP, California $79 $105 $157
Orangevale CDP, California $76 $101 $152
Citrus Heights city, California $75 $100 $150

Fair Oaks, 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
Fair Oaks, CA2.3%9.6%
Gold River2.13%7.62%
Orangevale2.58%11.79%
Citrus Heights2.81%11.31%

Fair Oaks Renters Insurance as a Percentage of Rent

Fair Oaks Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$300 to $499 134 3.0% $1234
$500 to $749 214 5.0% $1909
$750 to $999 1,573 38.0% $2659
$1,000 to $1,499 1,437 35.0% $3784
$1,500 or more 672 16.0% $5434

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

Coverage ($) Deductible ($) Age of home Company Average homeowners insurance premium ($)
150000250NewChubb/Federal733
150000250NewQBE (Balboa)478
200000500NewAmerican Modern660
250000500NewForemost Insurance881
5000002500NewHorace Mann P & C1052
1500002501-3 YearsCentury National441
1500002501-3 YearsMetropolitan Direct387
2000005001-3 YearsAAA (Interinsurance Exchange)432
25000010001-3 YearsGrange437
40000010001-3 YearsState Farm723
1500002504-6 YearsHorace Mann P & C419
1500005004-6 YearsHorace Mann390
1500005004-6 YearsHorace Mann P & C419
1500005004-6 YearsKemper469
2000005004-6 YearsIntegon/National643
3000005004-6 YearsCalifornia Capital691
3000005004-6 YearsCSE Safeguard864
40000010004-6 YearsQBE (Balboa)834
50000010004-6 YearsFirst American Ins969
50000025004-6 YearsCalifornia Capital776
1500002507-15 YearsCentury National537
1500005007-15 YearsNationwide726
2000005007-15 YearsIDS Property Casualty704

Fair Oaks, CA Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$900$1,900
Yearly Fair Oaks Homeowner Insurance Premium Example $600$400
Out of Pocket Expense During Claim$900$1,900
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $5,700$5,100
Net Savings to Fair Oaks Home Owner from High Deductible Plan $600

Fair Oaks, CA Home Insurance Costs With Home Replacement Value Scenarios

Scenario Fair Oaks, CA Home Replacement Value MORE than Home Value Fair Oaks, CA Home Replacement Value LESS than Home Value
Replacement Value $469,500 $287,000
Insurance Premium based on Replacement Value $1,350 $825
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $85,500 Risk Exposure from Under Insuring Coverage is $97,000
Premium Impact Insurance cheaper by $275/year Insurance costlier by $250/year

Example Fair Oaks Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Amica Mutual Insurance CompanyAllstateFarmers Insurance
Monthly Premium 11247206
Year Built 199619881978
Home Details 4 Beds, 3 Baths3 Beds, 2 Baths5 Beds, 3 Baths
Coverage Amount $350000-$400000$300000-$350000More than 10000000
Deductible $500 Deductible> $10,000 Deductible$1000-$2500 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1968 565,000 Membrane Roof 2,650 4 > $10,000 Deductible 280 4 Fiber-Cement Siding No
1964 555,000 Shingles Roof 3,560 5 $1000-$2500 Deductible 1220 12 Stone Siding yes
1999 410,000 Composition Roof 2,060 5 $1000-$2500 Deductible 800 10 Stucco siding yes
1981 240,000 Composition Roof 1,580 2 $1000-$2500 Deductible 170 3 Wood siding yes
1963 335,000 Slate Shingles Roof 1,710 3 $5000 to $10,000 Deductible 240 4 Wood siding yes
1992 275,000 Asphalt Shingles Roof 1,270 3 $2500-$5000 Deductible 50 1 Vinyl siding No
1979 515,000 Asphalt Shingles Roof 2,590 4 > $10,000 Deductible 300 4 Stone Siding No
1966 480,000 Composition Roof 2,240 5 $1000-$2500 Deductible 300 3 Stucco siding No
1980 185,000 Shingles Roof 1,170 2 $500 Deductible 480 10 Wood siding No
1978 310,000 Shingles Roof 2,040 3 > $10,000 Deductible 310 7 Wood siding yes
1991 485,000 Metal Roof 2,370 3 $500- $1000 Deductible 250 2 Vinyl siding yes
1968 680,000 Asphalt Shingles Roof 3,460 5 $2500-$5000 Deductible 630 6 Stone Siding No
1991 530,000 Wood Shake Roof 2,580 4 $500 Deductible 1220 9 Stone Siding No
1979 205,000 Asphalt Shingles Roof 1,030 2 > $10,000 Deductible 210 10 Stone Siding No
1997 290,000 Tile Roof 1,540 3 $5000 to $10,000 Deductible 350 6 Wood siding yes
1989 180,000 Slate Shingles Roof 930 2 $500 Deductible 320 8 Vinyl siding yes
1972 595,000 Shingles Roof 3,220 4 $1000-$2500 Deductible 110 1 Stucco siding No
1988 635,000 Tile Roof 3,790 5 $500 Deductible 1460 9 Vinyl siding No
1964 355,000 Asphalt Shingles Roof 1,950 5 $500- $1000 Deductible 460 7 Brick siding yes
1987 350,000 Tile Roof 1,670 4 $500 Deductible 600 8 Brick siding No
1962 340,000 Membrane Roof 2,140 5 $500 Deductible 530 7 Stone Siding No