Lathrop Insurance Rates:

Lathrop, CA homeowners insurance is roughly $508 to $690, about $42-$57/month. Our complete research indicates shoppers can save as much as $239 by comparing many quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Lathrop, CA Homeowners Insurance By Home Value

Lathrop, CA Home Value Total Homes % of Total Average Lathrop, CA Homeowners Insurance
Less than $50,000 132 4.0% $71
$50,000 to $59,999 58 1.0% $155
$70,000 to $79,999 38 1.0% $221
$80,000 to $89,999 43 1.0% $251
$90,000 to $99,999 70 2.0% $281
$100,000 to $124,999 175 5.0% $329
$125,000 to $149,999 250 8.0% $407
$150,000 to $174,999 495 16.0% $485
$175,000 to $199,999 361 12.0% $563
$200,000 to $249,999 580 19.0% $676
$250,000 to $299,999 428 14.0% $826
$300,000 to $399,999 322 10.0% $1048

Top Home Insurance Agents Near Lathrop, CA

Home Insurance Company Near Lathrop, CA Homeowners Insurance Agency Near Lathrop, CA Address
State Farm Kristen Law 3940 High St Ste C, Oakland, CA, 94619-2212
Allstate Richard Perilli 1713 El Camino Real, Santa Clara, CA, 95050
Liberty Mutual Independent Stanley M Davis & Co Ins Brkrs 250 JUANA AVE STE 201, SAN LEANDRO, CA, 94577
State Farm Stephanie Canessa 6228 Merced Ave, Oakland, CA, 94611-2938
Travelers Wallis & Wallis Ins Agency 1249 PARK AVE, SAN JOSE, CA, 95126

Cost Of Homeowners Insurance By Street Near Lathrop, CA

Streets in Lathrop Area Homeowners Insurance Cost
California Ave, Eastlake Cir, W Linne Rd, Larue Ct, Lazy Ridge Ave, Yukon Rd, Bates Rd, Landing Ln, Renee Ave, Murphy Pkwy$628
Sugar Pine Dr, Maharaja Dr, Pyramid Dr, Garden Glade St, Brichetto Rd, Treasure Ln, Crescent Moon Dr, S Stony Brook Ln, Julie Ln, Judith Ct$602
Merlson Ct, Catalina Pl, Basque Dr, Vel Pl, Sierra Gold Trl, Capri Ct, Travertine Ave, Alvord Oak Ln, Garazi St, Dos Reis Rd$603
Cozy Ct, Misty Woods Ln, Christopher Way, E Grant Line Rd, Dahlia Ct, Donatello St, Tulloch Dr, Kasson Rd, Greenwood Way, Kirkwood Way$632
Erb Way, Winnipeg Ct, Portifino St, Steven Pl, Gaar Ct, Libby Ln, Leaf St, Hornfels Ave, Lisa Ln, Emerald Bay Ct$605

Lathrop, CA Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Lathrop$89 to $92
French Camp$88
Manteca$90
Stockton$89

Lathrop, 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
French Camp CDP, California $88 $117 $176
Manteca CCD, San Joaquin County, California $90 $120 $180
Taft Mosswood CDP, California $89 $118 $177

Lathrop, 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
Lathrop, CA2.5%11.9%
French Camp2.59%18.32%
Manteca2.47%11.17%
Taft Mosswood3.59%16.44%

Lathrop Renters Insurance as a Percentage of Rent

Lathrop Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$300 to $499 12 1.0% $1250
$500 to $749 88 9.0% $1925
$750 to $999 77 8.0% $2675
$1,000 to $1,499 276 28.0% $3800
$1,500 or more 508 52.0% $5450

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

Coverage ($) Deductible ($) Age of home Company Average homeowners insurance premium ($)
150000500NewCentury National353
300000500NewCSE Safeguard739
300000500NewGeneral Ins385
5000001000NewAmerican Modern1895
7500002500NewStillwater Ins Co781
1500005001-3 YearsGrange469
2500005001-3 YearsAmerican Modern948
2500005001-3 YearsKemper600
2500005001-3 YearsQBE (Balboa)657
40000010001-3 YearsIntegon/National792
40000010001-3 YearsWestern Mutual/Residence846
50000010001-3 YearsAIG Prop Cas1772
1500005004-6 YearsEncompass519
1500005004-6 YearsGrange523
2000005004-6 YearsUSAA505
1500002507-15 YearsHorace Mann P & C452
1500005007-15 YearsCalifornia Casualty677
1500005007-15 YearsGrange600
2000005007-15 YearsGrange791
3000005007-15 YearsAmerican Reliable1057
3000005007-15 YearsIntegon/National982
50000010007-15 YearsCSE Safeguard1401
50000025007-15 YearsCentury National1144

Lathrop, CA Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,600$2,600
Yearly Lathrop Homeowner Insurance Premium Example $700$500
Out of Pocket Expense During Claim$1,600$2,600
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $7,200$6,600
Net Savings to Lathrop Home Owner from High Deductible Plan $600

Lathrop, CA Home Insurance Costs With Home Replacement Value Scenarios

Scenario Lathrop, CA Home Replacement Value MORE than Home Value Lathrop, CA Home Replacement Value LESS than Home Value
Replacement Value $289,500 $198,000
Insurance Premium based on Replacement Value $1,025 $700
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $37,500 Risk Exposure from Under Insuring Coverage is $54,000
Premium Impact Insurance cheaper by $200/year Insurance costlier by $125/year

Example Lathrop Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company GEICO InsuranceNationwide InsuranceFarmers Insurance
Monthly Premium 674988
Year Built 201219921981
Home Details 4 Beds, 1 Baths5 Beds, 4 Baths5 Beds, 3 Baths
Coverage Amount $300000-$350000$250000-$300000$400000-$500000
Deductible $500 Deductible$5000 to $10,000 Deductible$1000-$2500 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1999 305,000 Membrane Roof 2,910 5 $2500-$5000 Deductible 540 8 Wood siding No
1988 250,000 Shingles Roof 1,960 4 $500 Deductible 90 2 Stone Siding No
2011 280,000 Composition Roof 2,250 5 $500 Deductible 650 10 Stucco siding yes
1987 355,000 Composition Roof 3,050 4 $5000 to $10,000 Deductible 460 8 Stucco siding yes
1990 370,000 Asphalt Shingles Roof 3,200 4 $500 Deductible 450 5 Stone Siding No
1980 195,000 Metal Roof 1,800 4 $5000 to $10,000 Deductible 170 5 Brick siding yes
2008 385,000 Composition Roof 3,170 5 $5000 to $10,000 Deductible 680 10 Fiber-Cement Siding No
2014 210,000 Composition Roof 1,810 4 > $10,000 Deductible 170 5 Brick siding yes
1987 245,000 Membrane Roof 1,830 5 $2500-$5000 Deductible 180 3 Vinyl siding No
1980 290,000 Composition Roof 2,240 5 $500 Deductible 150 2 Fiber-Cement Siding No
1983 640,000 Metal Roof 4,870 5 > $10,000 Deductible 1070 9 Wood siding yes
1999 330,000 Wood Shake Roof 3,040 4 $1000-$2500 Deductible 300 5 Stone Siding yes
2014 290,000 Membrane Roof 2,760 4 > $10,000 Deductible 30 1 Brick siding yes
2010 355,000 Slate Shingles Roof 3,400 5 $500 Deductible 740 8 Stucco siding No
2011 300,000 Slate Shingles Roof 2,510 4 $1000-$2500 Deductible 620 9 Fiber-Cement Siding yes
2009 410,000 Composition Roof 3,470 5 $5000 to $10,000 Deductible 560 8 Vinyl siding No
2014 190,000 Shingles Roof 1,950 5 $500 Deductible 350 10 Brick siding No
1991 310,000 Asphalt Shingles Roof 3,130 5 $500 Deductible 750 10 Vinyl siding yes
2004 345,000 Composition Roof 2,790 5 $5000 to $10,000 Deductible 430 9 Brick siding yes
2014 615,000 Shingles Roof 4,700 5 > $10,000 Deductible 240 4 Stone Siding yes
1988 275,000 Wood Shake Roof 2,740 5 $500- $1000 Deductible 470 7 Stone Siding yes
2003 210,000 Slate Shingles Roof 2,300 4 $5000 to $10,000 Deductible 270 6 Stone Siding yes
2014 345,000 Metal Roof 2,820 5 $1000-$2500 Deductible 440 6 Vinyl siding No
2012 530,000 Asphalt Shingles Roof 3,990 5 $500- $1000 Deductible 450 4 Wood siding yes
2012 280,000 Shingles Roof 2,250 4 $2500-$5000 Deductible 470 8 Brick siding yes
1997 520,000 Metal Roof 4,550 5 > $10,000 Deductible 110 1 Stone Siding yes
2001 260,000 Membrane Roof 2,200 4 $1000-$2500 Deductible 230 5 Brick siding yes
1987 170,000 Metal Roof 1,640 4 $1000-$2500 Deductible 310 10 Fiber-Cement Siding No
2000 210,000 Metal Roof 1,720 4 $500- $1000 Deductible 240 4 Wood siding No
2014 290,000 Membrane Roof 2,580 4 > $10,000 Deductible 30 1 Brick siding No
1987 405,000 Wood Shake Roof 4,460 5 $500 Deductible 270 3 Brick siding No
1983 570,000 Wood Shake Roof 4,690 5 $2500-$5000 Deductible 780 10 Stucco siding No
1981 235,000 Composition Roof 2,050 4 $500- $1000 Deductible 460 6 Vinyl siding No
1992 390,000 Slate Shingles Roof 2,890 4 $1000-$2500 Deductible 220 2 Stone Siding No