Gold River Insurance Rates:

Gold River, CA homeowners insurance is roughly $533 to $728, about $44-$60/month. Our thorough research shows customers can save upto $252 by getting multiple quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Gold River, CA Homeowners Insurance By Home Value

Gold River, CA Home Value Total Homes % of Total Average Gold River, CA Homeowners Insurance
Less than $50,000 73 4.0% $37
$200,000 to $249,999 172 11.0% $353
$250,000 to $299,999 288 19.0% $435
$300,000 to $399,999 922 62.0% $555

Top Home Insurance Agents Near Gold River, CA

Home Insurance Company Near Gold River, CA Homeowners Insurance Agency Near Gold River, CA Address
NA West Insurance Brokers, Inc. 5250 Elvas Avenue, Sacramento, CA, 95819
Farmers Ken Sou 2215 16th St, Sacramento, CA, 95818
Allstate Myles B. Harris Jr. 8807 Thornton Rd Ste D1, Stockton, CA, 95209
Allstate Odi Ayala 561 7Th St Ste B, Lincoln, CA, 95648
Farmers Syed Kasafaddoza 697 N Palora Ave Ste A, Yuba City, CA, 95991

Cost Of Homeowners Insurance By Street Near Gold River, CA

Streets in Gold River Area Homeowners Insurance Cost
Poker Flat Dr, Big Four Way, Stahl Ct, Newcastle Gap Dr, Secrettown Ct, Picture Rock Ct, Red Star Ct, Dry Diggins Way, Studebaker Pl, Empire Mine Cir$625
Playa Way, Blue Lead Pl, Gold Meadow Way, Heavytree Ct, Rainbow Mine Ct, Sierra Flat Dr, Chubbuck Ct, Yellow Aster Ct, Jordan Hill Way, Stony Bar Way$644
Last Chance Ct, Gold Country Blvd, Soda Springs Way, New England Pl, Bald Eagle Ct, Coulterville Ct, Gold Field Dr, Canal St, Fort Point Dr, Summit Mine Ct$627
Pyrites Way, Gray Eagle Ct, Confidence Ct, Maidu Way, Fine Gold Ct, Black Slate Ct, Granite Hill Ct, French Camp Cir, Perdetta Ln, Schnell Ct$641
Boom Pointer Way, Buckeye Hill Ct, Manta Pl, Irish Creek Ct, Coarse Gold Pl, Tenderfoot Dr, Rocket Cir, Long Ravine Ct, Pilot Creek Ct, Crystal Lake Ct$627

Gold River, CA Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Gold River$94 to $97
Fair Oaks$94
Rancho Cordova$90
Carmichael$92

Gold River, 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
Fair Oaks CDP, California $79 $105 $157
Rancho Cordova CCD, Sacramento County, California $75 $100 $150
Carmichael CDP, California $77 $102 $153

Gold River, 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
Gold River, CA2.1%7.6%
Fair Oaks2.31%9.58%
Rancho Cordova2.71%11.63%
Carmichael2.6%11.78%

Gold River Renters Insurance as a Percentage of Rent

Gold River Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 13 2.0% $783
$750 to $999 10 2.0% $2658
$1,000 to $1,499 285 62.0% $3783
$1,500 or more 145 32.0% $5433

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

Coverage ($) Deductible ($) Age of home Company Average homeowners insurance premium ($)
2500001000NewPacific Specialty532
2500001000NewQBE (Balboa)524
300000500NewSafeco695
4000001000NewCSAA Ins Exch825
2000005001-3 YearsAmco499
2000005001-3 YearsPrivilege Underwriters Exch1037
2000005001-3 YearsWestern Mutual/Residence491
2500005001-3 YearsTokio Marine America356
40000010001-3 YearsWestern Mutual/Residence846
50000025001-3 YearsAmerican Security1097
75000025001-3 YearsAmerican Reliable1506
75000025001-3 YearsBankers Standard1974
1500005004-6 YearsFirst American Ins401
25000010004-6 YearsAmerican Modern784
2500005004-6 YearsCSAA Ins Exch757
3000005004-6 YearsOregon Mutual774
3000005004-6 YearsUSAA759
40000010004-6 YearsBankers Standard1804
40000010004-6 YearsQBE (Balboa)849
50000010004-6 YearsAmica Mutual1446
50000010004-6 YearsCalifornia Capital1039
50000010004-6 YearsCalifornia Casualty987

Gold River, CA Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,300$2,300
Yearly Gold River Homeowner Insurance Premium Example $1,400$1,200
Out of Pocket Expense During Claim$1,300$2,300
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $12,500$11,900
Net Savings to Gold River Home Owner from High Deductible Plan $600

Gold River, CA Home Insurance Costs With Home Replacement Value Scenarios

Scenario Gold River, CA Home Replacement Value MORE than Home Value Gold River, CA Home Replacement Value LESS than Home Value
Replacement Value $553,500 $386,000
Insurance Premium based on Replacement Value $1,875 $1,300
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $79,000 Risk Exposure from Under Insuring Coverage is $88,500
Premium Impact Insurance cheaper by $300/year Insurance costlier by $275/year

Example Gold River Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Liberty MutualAllstateFarmers Insurance
Monthly Premium 518786
Year Built 199020092004
Home Details 3 Beds, 2 Baths4 Beds, 3 Baths5 Beds, 4 Baths
Coverage Amount $250000-$300000$400000-$500000$600000-$700000
Deductible $5000 to $10,000 Deductible$5000 to $10,000 Deductible> $10,000 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1991 300,000 Wood Shake Roof 1,540 3 $500- $1000 Deductible 280 4 Stucco siding yes
2007 350,000 Slate Shingles Roof 1,690 3 $1000-$2500 Deductible 550 10 Stone Siding No
1997 830,000 Tile Roof 4,250 5 $500 Deductible 280 1 Vinyl siding yes
2008 645,000 Composition Roof 3,070 4 $1000-$2500 Deductible 920 7 Vinyl siding yes
2000 275,000 Metal Roof 1,630 3 $500- $1000 Deductible 470 8 Fiber-Cement Siding yes
1998 370,000 Shingles Roof 1,940 4 $500- $1000 Deductible 300 5 Stucco siding No
1996 660,000 Tile Roof 3,160 5 $500- $1000 Deductible 410 2 Wood siding yes
1999 610,000 Slate Shingles Roof 3,060 4 $500- $1000 Deductible 1210 6 Fiber-Cement Siding yes
2006 285,000 Asphalt Shingles Roof 1,230 3 $5000 to $10,000 Deductible 120 4 Wood siding No
2005 245,000 Membrane Roof 1,450 3 $2500-$5000 Deductible 150 4 Fiber-Cement Siding yes
1999 280,000 Asphalt Shingles Roof 1,660 3 $500 Deductible 260 4 Stone Siding No
1998 430,000 Tile Roof 1,970 3 $1000-$2500 Deductible 370 6 Fiber-Cement Siding yes
2001 440,000 Shingles Roof 2,410 4 $500 Deductible 360 3 Fiber-Cement Siding No
1995 495,000 Membrane Roof 2,130 5 > $10,000 Deductible 730 12 Brick siding No
2002 610,000 Slate Shingles Roof 2,690 4 $500- $1000 Deductible 820 6 Wood siding yes
2001 490,000 Slate Shingles Roof 3,150 4 $500 Deductible 620 5 Stucco siding yes
2008 355,000 Wood Shake Roof 1,990 4 $1000-$2500 Deductible 450 6 Wood siding yes
2002 650,000 Wood Shake Roof 2,800 4 $500- $1000 Deductible 1250 8 Stone Siding yes
1999 275,000 Wood Shake Roof 1,360 3 $500 Deductible 220 4 Stone Siding No
1997 545,000 Asphalt Shingles Roof 2,720 4 $2500-$5000 Deductible 800 7 Brick siding No
1991 410,000 Metal Roof 1,820 3 $1000-$2500 Deductible 530 5 Stone Siding yes
1996 425,000 Shingles Roof 2,530 5 $5000 to $10,000 Deductible 540 10 Brick siding No
1990 395,000 Metal Roof 1,790 3 $1000-$2500 Deductible 290 5 Stone Siding yes
1993 575,000 Tile Roof 2,690 4 $500- $1000 Deductible 120 1 Stucco siding yes
1997 535,000 Shingles Roof 2,560 4 $500- $1000 Deductible 1040 8 Stone Siding yes
1990 400,000 Wood Shake Roof 2,450 5 $1000-$2500 Deductible 670 10 Stucco siding yes
1997 350,000 Composition Roof 1,910 4 $500- $1000 Deductible 180 2 Vinyl siding No
1996 480,000 Tile Roof 2,690 4 $1000-$2500 Deductible 1030 8 Stucco siding No
1992 965,000 Wood Shake Roof 4,400 5 $2500-$5000 Deductible 1640 10 Stone Siding yes
1996 275,000 Composition Roof 1,490 3 $500 Deductible 90 2 Brick siding No
2004 765,000 Membrane Roof 4,470 5 $500 Deductible 1560 10 Fiber-Cement Siding yes
2004 680,000 Shingles Roof 2,930 5 $2500-$5000 Deductible 920 8 Stucco siding No
1994 380,000 Shingles Roof 2,160 4 $5000 to $10,000 Deductible 220 4 Stucco siding No
2008 345,000 Composition Roof 2,090 3 > $10,000 Deductible 260 4 Stone Siding No