Fairfield Insurance Rates:

Fairfield, CA homeowners insurance is roughly $521 to $706, about $43-$58/month. Our exhaustive research indicates shoppers can save as much as $245 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 like the bundling of different types of insurance under one package, and i feel completely covered in case the worst should happen.
State Farm
In some cases like pipe burst, they denied our claim even though we certified and explained in our part. that was a disappointment.
Saferoad Insurance
They do take a few days to get back at me at times, if they were able to do this the right way and respond within minutes or even hours it would take a huge load off my back and help me quite a bit.
Allstate
There were communication errors between the different state affiliates early on in the purchasing process. This resulted in additional fees that would not have been present for most policy transfers.
Progressive
I haven't really found anything I haven't liked yet. If I ever have to file a claim that will tell me a lot about them.
State Farm
I like having my agent accessible, I like having my policies all in one place, I like that I can use their mobile app and I like that my agent works with me to find a plan that fits my needs and budget.
State Farm
Sometimes it is difficult when you call the 1800 number. These people are not your agent and do not always understand what you need or are asking
Liberty Mutual
The arguing about price with the contractors was a real pain in the ass. That cost us some time.
Mercury
I switched my auto insurance because they went up $80 on my policy for not being a homeowner. I paid the $323 dollars had coverage for 9 days then canceled the policy. Mercury insurance sent me an $84 dollar check ...I am furious they will never get any service from me or anyone.
Farmer's Insurance
I dislike that home insurance is outrageously expensive. I don't think it represents any real value and is tantamount to government-sanctioned robbery.
National Lloyds
I would recommend National Lloyds because their service is good and the covergar is just what I needed. Their online portal is easy to navigate which makes paying my bill a breeze.
Progressive
It is a tiny bit above average price wise. However, everything else about this company is amazing I have no complaints.
Geico
Prices are very good to pay and control the price of the room, are very favorable for customers who want and want, are very quick to answer and may be of your choice.
Geico
I wish I could file a simple claim like when my roof started leaking and needed to be partially replaced and looking things up online and speaking with more experienced homeowners I made it a point to fix it myself and save money till I could afford to replace the roof. Filing a claim is pointless because their either won't pay or they will drop you and other insurance companies will not give you coverage,
Century National
Professional, low cover with quality coverage, helpful customer service, not pushy.

Fairfield, CA Homeowners Insurance By Home Value

Fairfield, CA Home Value Total Homes % of Total Average Fairfield, CA Homeowners Insurance
Less than $50,000 516 3.0% $49
$50,000 to $59,999 176 1.0% $110
$70,000 to $79,999 165 1.0% $159
$80,000 to $89,999 155 1.0% $177
$90,000 to $99,999 171 1.0% $196
$100,000 to $124,999 861 5.0% $232
$125,000 to $149,999 906 6.0% $288
$150,000 to $174,999 1,319 8.0% $343
$175,000 to $199,999 981 6.0% $398
$200,000 to $249,999 2,883 19.0% $478
$250,000 to $299,999 2,404 15.0% $582
$300,000 to $399,999 4,463 29.0% $741

Top Home Insurance Agents Near Fairfield, CA

Home Insurance Company Near Fairfield, CA Homeowners Insurance Agency Near Fairfield, CA Address
Allstate Alan Quan 1219 A St, Hayward, CA, 94541
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

Cost Of Homeowners Insurance By Street Near Fairfield, CA

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

Fairfield, CA Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Fairfield$91 to $94
Suisun City$90
Fairfield-Suisun City$91
Solano County$92

Fairfield, 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
Suisun City city, California $76 $101 $151
Fairfield-Suisun City CCD, Solano County, California $77 $102 $153
Solano County, California $77 $102 $153

Fairfield, 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
Fairfield, CA2.2%12.2%
Suisun City2.39%11.91%
Fairfield-Suisun City2.2%11.66%
Solano County2.27%11.95%

Fairfield Renters Insurance as a Percentage of Rent

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

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

Coverage ($) Deductible ($) Age of home Company Average homeowners insurance premium ($)
150000250NewEncompass697
250000500NewFirst American Ins526
250000500NewTravelers424
7500002500NewHorace Mann1156
7500002500NewOregon Mutual873
2500005001-3 YearsHomesite966
40000010001-3 YearsFirst American Ins812
75000025001-3 YearsIntegon/National1091
1500005004-6 YearsUniversal North America389
1500005004-6 YearsWestern Mutual/Residence376
2000005004-6 YearsPrivilege Underwriters Exch958
25000010004-6 YearsGrange638
25000010004-6 YearsHomesite899
2500005004-6 YearsAmerican Reliable814
40000010004-6 YearsAmerican Modern1219
40000010004-6 YearsUnigard Group1077
50000010004-6 YearsChubb/Federal1901
2000005007-15 YearsAmica Mutual827
40000010007-15 YearsUnigard Group1223
50000010007-15 YearsBankers Standard2117
50000025007-15 YearsIDS Property Casualty1174
15000025016-25 YearsTokio Marine America336

Fairfield, CA Home Insurance Costs With Deductible Scenario

Low DeductibleHigh 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

Fairfield, CA Home Insurance Costs With Home Replacement Value Scenarios

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

Example Fairfield Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company TravelersNationwide InsuranceLiberty Mutual
Monthly Premium 6254240
Year Built 200120131971
Home Details 3 Beds, 1 Baths4 Beds, 2 Baths5 Beds, 4 Baths
Coverage Amount $250000-$300000$400000-$500000$800000-$900000
Deductible $2500-$5000 Deductible> $10,000 Deductible$500 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1997 245,000 Shingles Roof 1,600 4 $2500-$5000 Deductible 450 10 Fiber-Cement Siding yes
2010 225,000 Composition Roof 1,580 3 $2500-$5000 Deductible 30 1 Wood siding yes
1994 225,000 Metal Roof 1,860 3 $5000 to $10,000 Deductible 140 4 Brick siding yes
1971 295,000 Asphalt Shingles Roof 1,890 4 $1000-$2500 Deductible 50 1 Stucco siding yes
1994 265,000 Shingles Roof 1,560 3 $500 Deductible 340 5 Vinyl siding No
1986 225,000 Tile Roof 1,420 3 > $10,000 Deductible 240 9 Brick siding No
1980 175,000 Wood Shake Roof 1,260 3 $5000 to $10,000 Deductible 240 8 Vinyl siding No
1991 310,000 Tile Roof 1,830 4 > $10,000 Deductible 400 10 Wood siding No
2013 500,000 Composition Roof 3,360 4 $500- $1000 Deductible 210 2 Fiber-Cement Siding No
2001 345,000 Asphalt Shingles Roof 2,410 5 $500- $1000 Deductible 710 9 Wood siding yes
1979 390,000 Slate Shingles Roof 2,190 3 $5000 to $10,000 Deductible 210 4 Stucco siding No
2011 400,000 Membrane Roof 2,220 3 $5000 to $10,000 Deductible 320 4 Brick siding yes
1984 290,000 Asphalt Shingles Roof 1,670 3 $500 Deductible 340 5 Stone Siding No
1998 525,000 Asphalt Shingles Roof 4,080 5 $5000 to $10,000 Deductible 150 2 Stone Siding yes
2012 400,000 Metal Roof 2,330 3 > $10,000 Deductible 140 2 Stucco siding yes
1974 695,000 Membrane Roof 3,900 5 $5000 to $10,000 Deductible 100 1 Vinyl siding No
2003 340,000 Wood Shake Roof 2,350 4 $1000-$2500 Deductible 540 8 Brick siding No
1999 235,000 Tile Roof 1,750 3 > $10,000 Deductible 330 9 Vinyl siding No
2011 320,000 Wood Shake Roof 1,830 3 $500 Deductible 220 3 Stone Siding yes
2011 380,000 Asphalt Shingles Roof 2,340 4 $500- $1000 Deductible 940 8 Wood siding No
2006 435,000 Wood Shake Roof 2,940 4 $1000-$2500 Deductible 680 9 Vinyl siding yes
1984 540,000 Composition Roof 3,720 5 $2500-$5000 Deductible 790 9 Brick siding yes
2004 395,000 Tile Roof 2,870 4 $500 Deductible 560 6 Stucco siding No
1998 220,000 Composition Roof 1,420 3 $5000 to $10,000 Deductible 100 2 Fiber-Cement Siding No
2008 295,000 Membrane Roof 1,870 4 $2500-$5000 Deductible 370 6 Stucco siding yes
1986 410,000 Membrane Roof 1,883 4 $2500-$5000 Deductible 840 6 Brick siding No