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.
| 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 |
| 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 |
| 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 |
| Place | Savings For Senior Occupied Homes |
|---|---|
| Gold River | $94 to $97 |
| Fair Oaks | $94 |
| Rancho Cordova | $90 |
| Carmichael | $92 |
| 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 |
| Place | Home insurance as a % of housing cost for homes with mortgage | Home insurance as a % of housing cost for homes without mortgage |
|---|---|---|
| Gold River, CA | 2.1% | 7.6% |
| Fair Oaks | 2.31% | 9.58% |
| Rancho Cordova | 2.71% | 11.63% |
| Carmichael | 2.6% | 11.78% |
| 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% | $5433 |
| Coverage ($) | Deductible ($) | Age of home | Company | Average homeowners insurance premium ($) |
|---|---|---|---|---|
| 250000 | 1000 | New | Pacific Specialty | 532 |
| 250000 | 1000 | New | QBE (Balboa) | 524 |
| 300000 | 500 | New | Safeco | 695 |
| 400000 | 1000 | New | CSAA Ins Exch | 825 |
| 200000 | 500 | 1-3 Years | Amco | 499 |
| 200000 | 500 | 1-3 Years | Privilege Underwriters Exch | 1037 |
| 200000 | 500 | 1-3 Years | Western Mutual/Residence | 491 |
| 250000 | 500 | 1-3 Years | Tokio Marine America | 356 |
| 400000 | 1000 | 1-3 Years | Western Mutual/Residence | 846 |
| 500000 | 2500 | 1-3 Years | American Security | 1097 |
| 750000 | 2500 | 1-3 Years | American Reliable | 1506 |
| 750000 | 2500 | 1-3 Years | Bankers Standard | 1974 |
| 150000 | 500 | 4-6 Years | First American Ins | 401 |
| 250000 | 1000 | 4-6 Years | American Modern | 784 |
| 250000 | 500 | 4-6 Years | CSAA Ins Exch | 757 |
| 300000 | 500 | 4-6 Years | Oregon Mutual | 774 |
| 300000 | 500 | 4-6 Years | USAA | 759 |
| 400000 | 1000 | 4-6 Years | Bankers Standard | 1804 |
| 400000 | 1000 | 4-6 Years | QBE (Balboa) | 849 |
| 500000 | 1000 | 4-6 Years | Amica Mutual | 1446 |
| 500000 | 1000 | 4-6 Years | California Capital | 1039 |
| 500000 | 1000 | 4-6 Years | California Casualty | 987 |
| Low Deductible | High 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 | |
| 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 |
| Insurance Company | Liberty Mutual | Allstate | Farmers Insurance |
| Monthly Premium | 51 | 87 | 86 |
| Year Built | 1990 | 2009 | 2004 |
| Home Details | 3 Beds, 2 Baths | 4 Beds, 3 Baths | 5 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 |
| 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 |