Grass Valley Insurance Rates:

Grass Valley, CA homeowners insurance is roughly $530 to $719, about $44-$59/month. Our complete research reveals consumers can save upto $249 by getting different quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

Compare Quotes from Top Providers and Save now!

Latest Home Insurance Reviews

Geico
They are nice and knowledgeable, and they respond very quick. They are the kind of people that you can trust.
State Farm
I would recommend this company for home insurance because they have good plans and really nice representatives to work with.
Farmer's Insurance
I guess I already answered this in the last question, but there was equal coverage for a better deal, our home costs about 1000 to insure per year.
Allstate
they have one of the best policies in the business lots of perks for the consumer and they are on your side
Allstate
Deductible and premium are approximately the same as other insurance policies I've seen that offer the same or even less coverage than my policy.
Progressive
Progressives customer services is lackluster when it comes to actually helping. They seem nice but whenever I call they don't really seem to want to help much.
Geico
I have been extremely satisfied with my home insurance company and their customer service. They answer quickly and always help me with what I need. There have been no problems so I would give it a 4!
Nationwide
Have not had to file any claims yet, but they’ve always been really responsive when I’ve called or emailed with questions or specific requests.
Progressive
I think that it compares about the same as other providers, but I haven't had any interactions or issues with them or the other company.
Geico
To me they are all relatively the same. I base my decisions mostly on my experience with their customer service, their apps, and the wait time for phone calls.
State Farm
I have always been pleased with State Farm Insurance Company. They are very friendly and have great customer service. Agents are always able to answer questions in a timely efficient manner.
Geico
I believe they are on par or offer more than other companies. I haven't looked into other companies recently.
State Farm
I have already recommended this company to several people looking to change home insurance providers. One person I am aware of, let me know they did change and thanked me for the recommendation.
Allstate
I like the ease of contacting the local office and if they aren't available it is always easy to reach someone at the main office
Nationwide
I have nationwide for my home and car. tried using their version of the safe driver attachment to my car. it has never given me any discount at all. yet they save it will.
Stillwater Insurance Group
I love this company because they are helpful, reasonably priced, and I can bundle with my auto insurance. I have never had to file a claim so I cannot speak to how something like that would be handled.
Amica Mutual Insurance
I have seen other quotes for similar coverage from other companies and believe that my current policy is fairly priced in comparison.
Geico
Pretty easy to call and talk to, ability to get an agent is pretty good, pretty easy to work with on the phone.
Farmer's Insurance
All in all I would recommend Farmers to friends based on the ease of getting the quote and everything else set up. I would also recommend due to the premiums and amount of coverage I got.
Progressive
Home insure is the basic need of the home if there is any causes there will not be more loss compare to other people who not insured.
Allstate
They have a number of options that fit my needs and different price points too but I do not get the sense that they have any exclusive offerings.

Grass Valley, CA Homeowners Insurance By Home Value

Grass Valley, CA Home Value Total Homes % of Total Average Grass Valley, CA Homeowners Insurance
Less than $50,000 1,276 10.0% $37
$100,000 to $124,999 386 3.0% $187
$125,000 to $149,999 277 2.0% $237
$150,000 to $174,999 738 5.0% $280
$175,000 to $199,999 512 4.0% $324
$200,000 to $249,999 1,990 15.0% $386
$250,000 to $299,999 2,035 16.0% $474
$300,000 to $399,999 4,813 38.0% $605

Top Home Insurance Agents Near Grass Valley, CA

Home Insurance Company Near Grass Valley, CA Homeowners Insurance Agency Near Grass Valley, CA Address
State Farm David Kite 1510 X St, Sacramento, CA, 95818-2333
Allstate Gregory Engelbert 1377 Gray Ave, Yuba City, CA, 95991
Allstate Robert Rael 199 Cirby Way, Roseville, CA, 95678
Travelers Warren G Bender Co 516 Gibson Dr Ste240, Roseville, CA, 95678
Nationwide Welcome Financial Inc. 5023 El Camino Ave, Carmichael, CA, 95608

Grass Valley, CA Home Insurance Agents for Top Companies


Cost Of Homeowners Insurance By Street Near Grass Valley, CA

Streets in Grass Valley Area Homeowners Insurance Cost
Brian Ln, Mosswood Ln, Royal Oaks Pl, Naha Ln, Tom Ray Dr, Doris Dr, Valley View Rd, Lynwood Ln, Matthew Ln, Cindy Ln$632
Cole Rd, Little Hill Ln, Cub Ct, Evergreen Dr, Wood Rose Way, Bernadine Ct, Curtis Ln, Gates Pl, Redbud Pl, Echo Dr$634
Bow N Arrow Dr, Little Way, Tinloy Ln, Davis Ln, Archery, Lake Ridge Dr, Ore Ct, Macboyle Way, Canopy Ct, Jayhawk Dr$613
Old Auburn Rd, Northern Lights Dr, Wings of Morning Dr, Ocean Ave, Wills Way, Strawberry Cir, Leaf Ln, Moore Hill Rd, Chickadee Ct, Hobart Ln$627
Terren Ct, Wilson St, Fair Oaks Dr, Mountaineer Trl, Digger Pines Cir, Nathan Way, Echo Blue Dr, Douglas Ln, Paradise Ln, Hidden Haven Ln$611
Spider Hill Rd, Cottontail Way, Sande Ln, Lower Grass Valley Rd, Oak Tunnel Rd, Lazy Acres Ct, Mariposa Ct, Ragan Way, Eucalyptus Ct, Strawberry Ln$616
Park View Dr, N School St, Newtonian Way, Waterfall Ln, Still Rd, Williwaw Run, Jan Rd, Gold Starr Ln, Hasti Acres, Jokers Wild Ln$630
Lynshar Rd, Sierra College Dr, Clover Valley Rd, Julie Pl, Cone and Hill Dr, Shana Way, Bear Claw Ct, Plainview Ct, Holly Branch Ct, Charlene Ln$625
Canyon View Dr, Stinson Dr, Howe Ave, Atkins Rd, Oak Cir, Rattlesnake Rd, Bosa Dr, Chinaberry Ct, Gai Rd, Virginia Way$634
Old White Toll Rd, Shamrock Lode, Bobwhite Ln, Boreham Ln, Sweethaven Ct, S Auburn St, Twin Star Ln, Campbell Loop, Indian Springs Ranch Rd, Phoebe Ct$628

Grass Valley, CA Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Grass Valley$93 to $95
Alta Sierra$93
Rough and Ready$89
Penn Valley$90

Grass Valley, 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
Alta Sierra CDP, California $93 $124 $186
Rough and Ready CDP, California $89 $119 $179
Penn Valley CDP, California $91 $121 $182

Grass Valley, 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
Grass Valley, CA2.5%9.5%
Alta Sierra2.68%10.19%
Rough and Ready3.36%11.24%
Penn Valley2.48%7.16%

Grass Valley Renters Insurance as a Percentage of Rent

Grass Valley Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 240 3.0% $786
$300 to $499 407 5.0% $1236
$500 to $749 855 11.0% $1911
$750 to $999 1,710 23.0% $2661
$1,000 to $1,499 2,160 29.0% $3786
$1,500 or more 1,847 25.0% $5436

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

Coverage ($) Deductible ($) Age of home Company Average homeowners insurance premium ($)
250000500NewIntegon/National634
250000500NewKemper671
7500002500NewAmica Mutual1533
1500002501-3 YearsStillwater Prop & Cas Co531
1500005001-3 YearsCSAA Ins Exch501
1500005001-3 YearsPrivilege Underwriters Exch1066
2000005001-3 YearsTokio Marine America316
25000010001-3 YearsAmica Mutual681
25000010001-3 YearsPrivilege Underwriters Exch1400
2500005001-3 YearsNationwide765
3000005001-3 YearsWawanesa707
40000010001-3 YearsPacific Specialty1032
1500002504-6 YearsMAPFRE Group560
2000005004-6 YearsCalifornia Capital575
25000010004-6 YearsUniversal North America499
3000005004-6 YearsHorace Mann680
40000010004-6 YearsGrange1096
50000010004-6 YearsAmco1534
50000010004-6 YearsCSAA Ins Exch1462
50000010004-6 YearsOregon Mutual1293
75000025004-6 YearsMercury Ins Group750
2000005007-15 YearsChubb/Federal1068

Grass Valley, CA Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$600$1,600
Yearly Grass Valley Homeowner Insurance Premium Example $900$700
Out of Pocket Expense During Claim$600$1,600
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $7,800$7,200
Net Savings to Grass Valley Home Owner from High Deductible Plan $600

Grass Valley, CA Home Insurance Costs With Home Replacement Value Scenarios

Scenario Grass Valley, CA Home Replacement Value MORE than Home Value Grass Valley, CA Home Replacement Value LESS than Home Value
Replacement Value $264,500 $169,500
Insurance Premium based on Replacement Value $900 $575
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $37,000 Risk Exposure from Under Insuring Coverage is $58,000
Premium Impact Insurance cheaper by $200/year Insurance costlier by $125/year

Example Grass Valley Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Liberty MutualAllstateAmica Mutual Insurance Company
Monthly Premium 7081178
Year Built 201119822004
Home Details 3 Beds, 2 Baths4 Beds, 3 Baths5 Beds, 2 Baths
Coverage Amount $350000-$400000$350000-$400000$800000-$900000
Deductible $1000-$2500 Deductible$500- $1000 Deductible$1000-$2500 Deductible

Sample Home Insurance Rates for Grass Valley, 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 910,000 Shingles Roof 4,360 5 $1000-$2500 Deductible 1460 7 Wood siding yes
1998 240,000 Metal Roof 1,600 5 $2500-$5000 Deductible 180 3 Stucco siding yes
1999 315,000 Membrane Roof 2,080 3 $2500-$5000 Deductible 140 3 Stone Siding No
2010 450,000 Metal Roof 2,370 4 $500 Deductible 810 9 Stone Siding yes
2009 375,000 Shingles Roof 2,150 3 > $10,000 Deductible 110 3 Brick siding No
2007 240,000 Shingles Roof 1,360 3 $2500-$5000 Deductible 60 1 Stucco siding yes
2007 495,000 Asphalt Shingles Roof 2,330 5 $5000 to $10,000 Deductible 730 9 Stone Siding yes
1996 290,000 Shingles Roof 1,890 3 $1000-$2500 Deductible 780 12 Wood siding No
2010 270,000 Asphalt Shingles Roof 1,340 3 $500- $1000 Deductible 230 3 Stucco siding No
2012 390,000 Metal Roof 2,470 4 $500 Deductible 720 8 Vinyl siding yes
1988 270,000 Metal Roof 1,790 3 $500- $1000 Deductible 240 4 Vinyl siding No
2011 600,000 Metal Roof 3,080 5 $1000-$2500 Deductible 960 10 Vinyl siding yes
1991 420,000 Composition Roof 2,100 4 $1000-$2500 Deductible 660 8 Stucco siding No
1984 710,000 Composition Roof 4,040 5 $2500-$5000 Deductible 1170 9 Brick siding No
2001 425,000 Shingles Roof 2,730 5 $500 Deductible 340 3 Vinyl siding No
2006 375,000 Tile Roof 1,950 4 $2500-$5000 Deductible 270 5 Vinyl siding No
1981 345,000 Shingles Roof 1,610 3 > $10,000 Deductible 90 2 Fiber-Cement Siding yes
2013 445,000 Wood Shake Roof 2,060 3 $500 Deductible 420 4 Vinyl siding No
2005 430,000 Membrane Roof 2,270 4 $500- $1000 Deductible 120 1 Fiber-Cement Siding yes
1985 260,000 Metal Roof 1,730 5 $500- $1000 Deductible 360 5 Stucco siding yes
2005 335,000 Shingles Roof 1,620 3 $2500-$5000 Deductible 590 9 Vinyl siding yes
1998 245,000 Slate Shingles Roof 1,580 3 $2500-$5000 Deductible 360 8 Brick siding No
1997 570,000 Tile Roof 2,790 4 > $10,000 Deductible 700 8 Wood siding yes
1983 830,000 Slate Shingles Roof 4,460 5 > $10,000 Deductible 1910 12 Stone Siding No
1998 645,000 Membrane Roof 3,850 5 $500- $1000 Deductible 760 5 Brick siding yes
2001 380,000 Slate Shingles Roof 2,210 3 $5000 to $10,000 Deductible 610 12 Stone Siding yes
1998 550,000 Composition Roof 2,900 4 > $10,000 Deductible 380 7 Wood siding yes
1982 320,000 Shingles Roof 2,170 3 $1000-$2500 Deductible 150 2 Brick siding yes
2002 265,000 Tile Roof 1,360 3 $1000-$2500 Deductible 130 2 Vinyl siding yes
2003 355,000 Asphalt Shingles Roof 1,880 5 $500 Deductible 520 6 Fiber-Cement Siding No
2009 450,000 Composition Roof 2,490 4 $500- $1000 Deductible 180 2 Vinyl siding No
2001 295,000 Wood Shake Roof 1,520 3 $5000 to $10,000 Deductible 350 8 Stucco siding No
1996 415,000 Metal Roof 2,640 4 > $10,000 Deductible 440 9 Stone Siding No
1989 455,000 Metal Roof 2,230 4 > $10,000 Deductible 50 1 Stucco siding No

How To Make Your Grass Valley, CA Home Insurance Cheaper

How Much Does Grass Valley, CA Home Insurance Cost?