Fairfield ,CA Home Insurance - The cost of homeowners insurance is influenced by a range of factors, including the value of your coverage, deductible, and the construction materials used in your home.
VHome Insurance conducted a thorough analysis of the Fairfield, CA homeowners insurance market, taking into account factors like average costs, range of coverages, deductibles and customer satisfaction ratings to determine the best providers. The Average home insurance cost in Fairfield, CA is $1344. Enter your zipcode below and click “GO” to get multiple free quotes.
It is important to understand the different coverage options available in Fairfield, CA. VHome Insurance will help you navigate the world of homeowners insurance coverages in Fairfield, CA.
| Coverage Level | Average Annual Premium |
|---|---|
| $100,000 | $538 |
| $200,000 | $914 |
| $300,000 | $1,129 |
| $400,000 | $1,720 |
| $500,000 | $2,164 |
One key aspect of your policy is the deductible, which is the amount you pay out of pocket before your insurance kicks in. Choosing the right deductible can have a major impact on your insurance premiums and overall savings. In this guide, we'll help you understand the options available for homeowners insurance deductibles in Fairfield, CA, and how to choose the right one for your needs.
| Deductible Level | Average Annual Premium |
|---|---|
| $500 Deductible | $1,378 |
| $1000 Deductible | $1,232 |
| $1500 Deductible | $1,163 |
| $2500 Deductible | $1,048 |
| $5000 Deductible | $887 |
| Home Insurance Company Near Fairfield, CA | Homeowners Insurance Agency Near Fairfield, CA | Address |
|---|---|---|
| State Farm | Cynthia Blumgart | 2855 Telegraph Ave Ste 509, Berkeley, CA, 94705-1151 |
| Travelers | Harold L Lee & Sons Inc | 1654 SOLANO AVE STE D, ALBANY, CA, 94707 |
| State Farm | Jake Ng | 1643 Noriega St, San Francisco, CA, 94122-4305 |
| State Farm | Joe Freund | 30 Monterey Blvd, San Francisco, CA, 94131-3235 |
| Allstate | Alan Quan | 1219 A St, Hayward, CA, 94541 |
| Place | 1 Car Bundle Savings On Insurance | 2 Car Bundle Savings On Insurance | 3 Car Bundle Savings On Insurance |
|---|---|---|---|
| Suisun City city, California | $76 | $101 | $151 |
| Fairfield-Suisun City CCD, Solano County, California | $77 | $102 | $153 |
| Solano County, California | $77 | $102 | $153 |
| Place | Home insurance as a % of housing cost for homes with mortgage | Home insurance as a % of housing cost for homes without mortgage |
|---|---|---|
| Fairfield, CA | 2.2% | 12.2% |
| Suisun City | 2.39% | 11.91% |
| Fairfield-Suisun City | 2.2% | 11.66% |
| Solano County | 2.27% | 11.95% |
| Fairfield Home By Monthly Rent | Total Homes | % of Total | Estimated Monthly Income To Afford Rented House Including Renters Insurance |
|---|---|---|---|
| $200 to $299 | 232 | 1.0% | $792 |
| $300 to $499 | 339 | 2.0% | $1242 |
| $500 to $749 | 745 | 5.0% | $1917 |
| $750 to $999 | 2,448 | 19.0% | $2667 |
| $1,000 to $1,499 | 4,193 | 33.0% | $3792 |
| $1,500 or more | 4,588 | 36.0% | $5442 |
| Streets in Fairfield Area | Homeowners Insurance Cost |
|---|---|
| Vineland Marina Ct, Airmen Dr, Oakridge Dr, Edwards Way, Rockville Hts, Rainier Ct, Renaissance Ave, Standish Way, Vandenberg Cir, Norwalk Way | $640 |
| Prosperity Ln, Westamerica Dr, Ridgecrest Ct, Shawnee Ct, Toland Dr, Howland Ct, Green Meadow Ct, Country Club Dr, Ross Pl, Vicksburg Dr | $643 |
| E Atlantic Ave, Appleridge Ct, Pierce St, Olivewood Ln, Ross Ct, Mariposa Way, Sunhaven Cir, Cascade Ct, San Carlos St, Oriole Way | $595 |
| Owens Ct, Marigold Dr, Madonna Dr, Fairchild Dr, Pine Valley Ct, San Angelo St, Chilmark Pl, Bay Hill Dr, Chula Ct, Barbour Dr | $614 |
| Santa Ana Ct, Utah St, Granada Dr, Kenrick Ct, Shelby Pl, Michael Ct, Hilborn Rd, Hemlock St, Thomasson Ln, Catlin Dr | $601 |
| Hazeltine Way, Daffodil Dr, Boxwood Ln, Channing Ct, Barksdale Ct, Palo Seco Ct, Cereda Ln, Highland Way, Ashford Ct, Brook Falls Dr | $622 |
| Cassidy Ct, Gardenia Cir, Stratford Ln, Maddalena Way, Dalewood Ct, Dogwood Cir, Hartford Ave, Lawrence Ct, Zinnia Ct, Vineyards Landing Ct | $645 |
| Vis Palomar, Doria Pl, Cormorant Pl, Talisman Ct, Biltmore Ct, Lexington Way, Simms Ct, Gulf Dr, Summer Grove Cir, Arlington Cir | $610 |
| Starfish Ct, Carnation Dr, Santa Rosa Dr, Manor Pl, China Ln, Aria Pl, Victoria Ct, Cannon Ct, Stafford Springs Way, Constable Dr | $640 |
| Summerfield Ct, Muir Ct, Spindrift Pl, Mountain View Ct, Brittany Ct, Southbridge Ln, Jasmine St, Ashtree Ct, Pear Tree Ln, Burgundy Ct | $618 |
| Place | Savings For Senior Occupied Homes |
|---|---|
| Fairfield | $91 to $94 |
| Suisun City | $90 |
| Fairfield-Suisun City | $91 |
| Solano County | $92 |
| Coverage ($) | Deductible ($) | Age of home | Company | Average homeowners insurance premium ($) |
|---|---|---|---|---|
| 150000 | 250 | New | Encompass | 697 |
| 250000 | 500 | New | First American Ins | 526 |
| 250000 | 500 | New | Travelers | 424 |
| 750000 | 2500 | New | Horace Mann | 1156 |
| 750000 | 2500 | New | Oregon Mutual | 873 |
| 250000 | 500 | 1-3 Years | Homesite | 966 |
| 400000 | 1000 | 1-3 Years | First American Ins | 812 |
| 750000 | 2500 | 1-3 Years | Integon/National | 1091 |
| 150000 | 500 | 4-6 Years | Universal North America | 389 |
| 150000 | 500 | 4-6 Years | Western Mutual/Residence | 376 |
| 200000 | 500 | 4-6 Years | Privilege Underwriters Exch | 958 |
| 250000 | 1000 | 4-6 Years | Grange | 638 |
| 250000 | 1000 | 4-6 Years | Homesite | 899 |
| 250000 | 500 | 4-6 Years | American Reliable | 814 |
| 400000 | 1000 | 4-6 Years | American Modern | 1219 |
| 400000 | 1000 | 4-6 Years | Unigard Group | 1077 |
| 500000 | 1000 | 4-6 Years | Chubb/Federal | 1901 |
| 200000 | 500 | 7-15 Years | Amica Mutual | 827 |
| 400000 | 1000 | 7-15 Years | Unigard Group | 1223 |
| 500000 | 1000 | 7-15 Years | Bankers Standard | 2117 |
| 500000 | 2500 | 7-15 Years | IDS Property Casualty | 1174 |
| 150000 | 250 | 16-25 Years | Tokio Marine America | 336 |
| Low Deductible | High Deductible | |
|---|---|---|
| Deductible | $900 | $2,900 |
| Yearly Fairfield Homeowner Insurance Premium Example | $1,200 | $800 |
| Out of Pocket Expense During Claim | $900 | $2,900 |
| Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim | $10,500 | $9,300 |
| Net Savings to Fairfield Home Owner from High Deductible Plan | $1,200 | |
| Scenario | Fairfield, CA Home Replacement Value MORE than Home Value | Fairfield, CA Home Replacement Value LESS than Home Value |
|---|---|---|
| Replacement Value | $369,500 | $225,000 |
| Insurance Premium based on Replacement Value | $1,325 | $800 |
| Risk Exposure from Under Insuring Coverage | Unnecessary Home Insurance Coverage of $83,000 | Risk Exposure from Under Insuring Coverage is $61,500 |
| Premium Impact | Insurance cheaper by $225/year | Insurance costlier by $300/year |
| Insurance Company | Travelers | Nationwide Insurance | Liberty Mutual |
| Monthly Premium | 62 | 54 | 240 |
| Year Built | 2001 | 2013 | 1971 |
| Home Details | 3 Beds, 1 Baths | 4 Beds, 2 Baths | 5 Beds, 4 Baths |
| Coverage Amount | $250000-$300000 | $400000-$500000 | $800000-$900000 |
| Deductible | $2500-$5000 Deductible | > $10,000 Deductible | $500 Deductible |