Folsom Insurance Rates:

Folsom, CA homeowners insurance is roughly $535 to $727, about $44-$60/month. Our exhaustive guide indicates shoppers can save upto $252 by getting multiple quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

State Farm
State farm has very knowledgeable agents who go out of their way to customize the insurance coverage offered based on individual needs.
State Farm
As of right now, i am not making a steady income so the prices are a little high for me.
State Farm
They are extremely reliable, outreach to students (high school) and adults alike, offer many insurance options and guide students on the right path to attaining credit or buying a car.
State Farm
I dislike everything about this company at the moment, I am switching to another company. I will not say who I am going with.
Progressive
Overall the company is great. They have great customer service and very fast claim service. I felt that they were very fair with the way they handled the claim and the amount that they paid out.
Allstate
You often get voicemail when trying to contact an agent. This is very frustrating when everything else is instant.

Folsom, CA Homeowners Insurance By Home Value

Folsom, CA Home Value Total Homes % of Total Average Folsom, CA Homeowners Insurance
Less than $50,000 440 5.0% $37
$70,000 to $79,999 109 1.0% $113
$100,000 to $124,999 155 1.0% $170
$125,000 to $149,999 99 1.0% $214
$150,000 to $174,999 254 2.0% $252
$175,000 to $199,999 319 3.0% $296
$200,000 to $249,999 1,012 11.0% $353
$250,000 to $299,999 1,491 17.0% $435
$300,000 to $399,999 4,451 52.0% $548

Top Home Insurance Agents Near Folsom, CA

Home Insurance Company Near Folsom, CA Homeowners Insurance Agency Near Folsom, CA Address
Nationwide Bph Insurance And Financial Services Inc. 9290 W Stockton Blvd STE 106, Elk Grove, CA, 95758-8089
Farmers Cheri Gastineau 705 Main St, Woodland, CA, 95695
Farmers Daniel Gaines 438 Colusa Ave Ste C, Yuba City, CA, 95991
Farmers Evelyn Morales 1348 N Center St, Stockton, CA, 95202
Farmers Greg French 3017 Douglas Blvd Ste 105, Roseville, CA, 95661

Cost Of Homeowners Insurance By Street Near Folsom, CA

Streets in Folsom Area Homeowners Insurance Cost
Newmark Way, Dunstable Way, Chelsea Ct, Pemberton Ln, Valley Pines Dr, Haverhill Dr, Triff Ct, Oak Butte Ct, Bettyhill Ct, Pinebrook Dr$624
Tomlinson Dr, Caithness Ct, Rodin Ln, Burnt Creek Way, Ponderosa Ct, Falcon Dr, Diggins Dr, Chessell Way, Jobson Ct, Bunker Ct$616
Overbrook Dr, Briarcliff Dr, Moylan Way, Luster Pl, Bridge St, Red Shale Ct, Roberts Rd, Hansen Cir, Hanna Way, Blue Canyon Way$634
Illsley Way, Egloff Cir, Sands Way, Duxbury Way, Fargo Way, Keefer St, Hayloft Dr, Figueroa St, Riggins Ct, Farham Dr$622
Taunton Way, Reading St, Blue Rapids Dr, Westchester Dr, Soliday Ct, Reston Dr, Plum Creek Ct, Orange View Dr, Littleton Cir, Meredith Way$636
Scholar Way, Lindley Ct, Meadowbridge Dr, Black Diamond Dr, Jacobs Ct, Ballast Way, Morning Dove Ln, Hollyann Ct, Cape Cottage Ln, Cole Ct$624
Dunkeld Ln, Agostini Cir, John Murray Way, Cradle Bar Ct, Riley St, Sprig Cir, Applecross Ct, Woodglen Dr, Tindal Way, Englehart Dr$635
Wenhall Ct, Wellsley Ct, Barrows Way, Bolan Ct, Atfield Way, Pine View Dr, Bryan Ct, Burma Rd, Davies Ct, Honey Cook Cir$616
Alpine Falls Dr, Rhoades Way, Willowmere Dr, Oakplace W, Baldwin Lake Ct, Rivage Cir, Coldstream Ct, Stonington Way, Larkhall Cir, McFarland Dr$630
Darling Way, Marvin Ct, Creekside Dr, Filkins Ct, Standish Way, Coffee Berry Ct, Charman Ct, Brown Duvall Ln, Ledgemont Ct, Big Springs Dr$639

Folsom, CA Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Folsom$94 to $96
Orangevale$91
El Dorado Hills$96
Fair Oaks$94

Folsom, 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
Orangevale CDP, California $92 $122 $183
El Dorado Hills CDP, California $96 $128 $192
Fair Oaks CDP, California $94 $125 $188

Folsom, 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
Folsom, CA2.1%9.3%
Orangevale2.58%11.79%
El Dorado Hills1.67%7.76%
Fair Oaks2.31%9.58%

Folsom Renters Insurance as a Percentage of Rent

Folsom Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$500 to $749 310 4.0% $1908
$750 to $999 702 9.0% $2658
$1,000 to $1,499 3,354 47.0% $3783
$1,500 or more 2,647 37.0% $5433

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

Coverage ($) Deductible ($) Age of home Company Average homeowners insurance premium ($)
150000500NewOregon Mutual344
200000500NewChubb/Federal838
2500001000NewAIG Prop Cas914
2500001000NewCalifornia Casualty441
4000001000NewAmica Mutual947
5000002500NewAmerican Security1005
7500002500NewGeneral Ins748
7500002500NewMetropolitan Direct967
1500005001-3 YearsAmica Mutual520
1500005001-3 YearsCalifornia Capital352
50000010001-3 YearsForemost Insurance1813
1500002504-6 YearsEncompass536
1500005004-6 YearsLiberty Ins Corp519
2000005004-6 YearsIDS Property Casualty598
25000010004-6 YearsTokio Marine America337
3000005004-6 YearsAmerican Modern937
3000005004-6 YearsForemost Insurance1053
1500002507-15 YearsMetropolitan Direct487
1500002507-15 YearsTokio Marine America293
2000005007-15 YearsGrange499
2000005007-15 YearsWestern Mutual/Residence546
25000010007-15 YearsMetropolitan Direct608
3000005007-15 YearsAmerican Reliable813

Folsom, CA Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,000$3,000
Yearly Folsom Homeowner Insurance Premium Example $1,300$900
Out of Pocket Expense During Claim$1,000$3,000
Total Home Insurance Premium for 7 years + Out of Pocket Expense for Claim $10,100$9,300
Net Savings to Folsom Home Owner from High Deductible Plan $800

Folsom, CA Home Insurance Costs With Home Replacement Value Scenarios

Scenario Folsom, CA Home Replacement Value MORE than Home Value Folsom, CA Home Replacement Value LESS than Home Value
Replacement Value $554,500 $368,000
Insurance Premium based on Replacement Value $1,825 $1,225
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $98,000 Risk Exposure from Under Insuring Coverage is $88,500
Premium Impact Insurance cheaper by $300/year Insurance costlier by $300/year

Example Folsom Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company GEICO InsuranceLiberty MutualChubb Group of Insurance
Monthly Premium 7713983
Year Built 200419902012
Home Details 3 Beds, 1 Baths4 Beds, 3 Baths5 Beds, 4 Baths
Coverage Amount $400000-$500000$600000-$700000$300000-$350000
Deductible $5000 to $10,000 Deductible$500- $1000 Deductible$500 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
2001 805,000 Shingles Roof 4,490 5 $500- $1000 Deductible 1300 6 Vinyl siding No
2004 495,000 Membrane Roof 2,250 4 $2500-$5000 Deductible 880 7 Vinyl siding yes
1992 250,000 Tile Roof 1,500 3 $1000-$2500 Deductible 200 5 Brick siding yes
2000 335,000 Shingles Roof 2,020 3 $5000 to $10,000 Deductible 140 3 Vinyl siding yes
2014 835,000 Metal Roof 4,470 5 > $10,000 Deductible 980 8 Stone Siding yes
1991 410,000 Shingles Roof 1,780 5 $500 Deductible 1010 9 Wood siding yes
2011 300,000 Composition Roof 1,720 4 $2500-$5000 Deductible 250 4 Fiber-Cement Siding yes
2001 210,000 Tile Roof 1,300 3 $500 Deductible 450 8 Stone Siding yes
2014 495,000 Wood Shake Roof 2,200 3 $500- $1000 Deductible 440 5 Stucco siding No
2008 465,000 Asphalt Shingles Roof 2,100 3 $500- $1000 Deductible 880 9 Fiber-Cement Siding yes
2004 885,000 Tile Roof 4,090 5 $2500-$5000 Deductible 980 6 Fiber-Cement Siding No
2004 515,000 Composition Roof 2,280 3 $500- $1000 Deductible 110 1 Stone Siding No
1991 295,000 Membrane Roof 1,750 3 $1000-$2500 Deductible 290 7 Stucco siding No
2009 360,000 Membrane Roof 2,260 4 $2500-$5000 Deductible 350 6 Stucco siding No
2013 345,000 Shingles Roof 1,960 4 $500 Deductible 360 4 Fiber-Cement Siding yes
1991 280,000 Slate Shingles Roof 1,480 3 $5000 to $10,000 Deductible 310 9 Stone Siding yes
2010 640,000 Slate Shingles Roof 3,300 5 $500 Deductible 1640 12 Stone Siding No
2011 380,000 Metal Roof 2,230 4 $500- $1000 Deductible 450 6 Vinyl siding yes
2012 865,000 Tile Roof 4,390 5 $5000 to $10,000 Deductible 660 5 Vinyl siding No
2014 1,005,000 Tile Roof 4,820 5 $5000 to $10,000 Deductible 1030 6 Fiber-Cement Siding yes
2010 695,000 Slate Shingles Roof 2,980 4 > $10,000 Deductible 410 4 Wood siding No
2014 325,000 Membrane Roof 1,880 5 > $10,000 Deductible 300 7 Stone Siding yes
2004 420,000 Asphalt Shingles Roof 2,250 4 > $10,000 Deductible 160 3 Brick siding yes