Lincoln Insurance Rates:

Lincoln, CA homeowners insurance is about $529 to $717, about $44-$59/month. Our extensive guide shows customers can save upto $248 by comparing many quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

Geico
They have good customer service representatives that are friendly and knowledgeable. quick to answer the phone and get to talk to a real person.
Travelers
Some of their sales reps come from different countries making it hard to understand or communicate with them at a level sufficient for a good conversation.
Farmer's Insurance
The website is easy to use overall, however I have found that it is not formatted correctly on mobile.
Geico
The employees from Geico are always extremely helpful and very professional. I have never had an issue with any of the Geico staff. Even when I was in an accident the roadside team was amazing.
State Farm
I like that their prices are not too high and I love the fact that they are always available to talk and they care about the customer.
Liberty Mutual
I like the company's website, but it is a small company that does not offer much usability for customers. I also don't believe the company has a mobile app.

Lincoln, CA Homeowners Insurance By Home Value

Lincoln, CA Home Value Total Homes % of Total Average Lincoln, CA Homeowners Insurance
Less than $50,000 371 2.0% $43
$100,000 to $124,999 361 2.0% $192
$125,000 to $149,999 280 2.0% $242
$150,000 to $174,999 457 3.0% $286
$175,000 to $199,999 698 5.0% $335
$200,000 to $249,999 1,959 15.0% $404
$250,000 to $299,999 2,746 21.0% $491
$300,000 to $399,999 5,723 45.0% $622

Top Home Insurance Agents Near Lincoln, CA

Home Insurance Company Near Lincoln, CA Homeowners Insurance Agency Near Lincoln, CA Address
Travelers A J Thomas Insurance Services 8350 AUBURN BLVD #135, CITRUS HEIGHTS, CA, 95610
Farmers Esther Park 9240 Laguna Springs Dr Ste 101, Elk Grove, CA, 95758
Travelers Eugene C Yates Insurance Agency 2021 P ST, SACRAMENTO, CA, 95811
Travelers J P Matich Insurance Services 168 MAIN ST, JACKSON, CA, 95642
Liberty Mutual Independent John O. Bronson Co. Inc. 3636 American River Dr Ste 200, Sacramento, CA, 95864

Cost Of Homeowners Insurance By Street Near Lincoln, CA

Streets in Lincoln Area Homeowners Insurance Cost
Sun Park Ln, Dinky Ln, Canyon Oak Ln, Morley Ln, Egret Ct, Ashley Pl, Millbrook Ct, Baker Hill Way, Miramar Ln, Feather Ct$623
Chesley Ln, Chambers Dr, Sorrbento Ct, Waterlily Ct, Herold Ave, Fairhall Ct, Shady Oaks Ln, Village Plaza Dr, Orchard View Dr, Moonshadow Way$624
Millrace Ct, Laneworth Ln, Langtree Dr, Theresa Ln, Farmgate Ln, Barn Valley Ln, E Catlett Rd, Ivy Arbor Ct, Alberton Cir, Geary Ln$624
Bowman Ln, Newton Rd, Sundial Ct, Conerstone Ct, Fuller Ct, Lilypond Ln, New Vista Dr, Fuente Pl, Brandsby Ln, Mount Errigal Ln$624
Tavistock Ln, Penstone Loop, Marigold Ln, Briarton Dr, Earlham Ln, Muckross Abbey Ct, Muirfield Ct, Stefanie Dr, Torrington Ln, Dunsley Cir$614
Porter Rd, Golden Bluff Ct, Stanton Ct, Goshawk Ln, Killdeer Ct, Randel Ct, Darby Ct, Spyglass Ct, Santorini Ln, Mendota Way$627
Wild Berry Ln, Beckwith Ln, Nighthawk Ln, Costa Ln, Thermalands Rd, Sheffield Ln, Rhodes Ln, Larkflower Way, Snowdrop Pl, Coopers Hawk Loop$633
Eldmire Way, McCarran Ln, Allimore Ct, Flora Way, Virginia Ln, Iroquois Rd, Twelve Bridges Dr, Yerrington Pl, Letterkenny Ct, Canvasback Cir$623
Deep Springs Ln, Cam Cielo, Hansen Pl, Dusty Trail Ct, Genoa St, Wheatley Ln, Stephanie Ct, Woodacre Ct, Rockrose Cir, Heatherbrook Ln$627
Dodd Pl, Ina Way, Mandalay Ct, Topanga Ln, Airport Rd, Sweetgrass Ln, St Andrews Dr, 7th St, Twelve Bridges Dr, Mulberry Ln$604

Lincoln, CA Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Lincoln$93 to $95
Sheridan$91
Roseville$92
Penryn$95

Lincoln, 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
Sheridan CDP, California $91 $121 $182
Roseville city, California $92 $123 $185
Trowbridge CDP, California $91 $121 $182

Lincoln, 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
Lincoln, CA2.1%8.8%
Sheridan3.0%9.82%
Roseville2.21%10.07%
Trowbridge2.77%15.76%

Lincoln Renters Insurance as a Percentage of Rent

Lincoln Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 64 1.0% $787
$300 to $499 89 2.0% $1237
$500 to $749 369 8.0% $1912
$750 to $999 796 17.0% $2662
$1,000 to $1,499 704 15.0% $3787
$1,500 or more 2,398 54.0% $5437

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

Coverage ($) Deductible ($) Age of home Company Average homeowners insurance premium ($)
150000250NewMAPFRE Group355
2500001000NewPacific Specialty532
2500001000NewQBE (Balboa)535
250000500NewWestern Mutual/Residence531
300000500NewAmerican Security751
300000500NewForemost Insurance1105
5000002500NewTravelers719
7500002500NewStillwater Ins Co735
1500002501-3 YearsChubb/Federal810
1500005001-3 YearsFirst American Ins379
2000005001-3 YearsAmerican Security589
25000010001-3 YearsCalifornia Capital456
25000010001-3 YearsEncompass827
25000010001-3 YearsPacific Property And Casualty274
25000010001-3 YearsWestern Mutual/Residence522
2500005001-3 YearsAmica Mutual743
2500005001-3 YearsHorace Mann493
40000010001-3 YearsCSAA Ins Exch906
40000010001-3 YearsMAPFRE Group820
50000010001-3 YearsStillwater Prop & Cas Co1046
50000025001-3 YearsAmco814
25000010004-6 YearsAmco620
25000010004-6 YearsState Farm494

Lincoln, CA Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,200$4,200
Yearly Lincoln Homeowner Insurance Premium Example $2,400$1,800
Out of Pocket Expense During Claim$1,200$4,200
Total Home Insurance Premium for 6 years + Out of Pocket Expense for Claim $15,600$15,000
Net Savings to Lincoln Home Owner from High Deductible Plan $600

Lincoln, CA Home Insurance Costs With Home Replacement Value Scenarios

Scenario Lincoln, CA Home Replacement Value MORE than Home Value Lincoln, CA Home Replacement Value LESS than Home Value
Replacement Value $245,500 $196,500
Insurance Premium based on Replacement Value $750 $600
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $24,500 Risk Exposure from Under Insuring Coverage is $24,500
Premium Impact Insurance cheaper by $75/year Insurance costlier by $75/year

Example Lincoln Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Chubb Group of InsuranceLiberty MutualFarmers Insurance
Monthly Premium 44165120
Year Built 200120112011
Home Details 3 Beds, 2 Baths4 Beds, 3 Baths5 Beds, 3 Baths
Coverage Amount $200000-$250000$500000-$600000$500000-$600000
Deductible $1000-$2500 Deductible$500 Deductible$1000-$2500 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
2006 235,000 Metal Roof 1,630 3 $1000-$2500 Deductible 200 4 Stucco siding yes
2005 435,000 Metal Roof 2,680 5 $500 Deductible 1150 12 Wood siding No
2012 565,000 Wood Shake Roof 3,310 5 $5000 to $10,000 Deductible 330 3 Stone Siding No
2012 340,000 Shingles Roof 1,630 3 > $10,000 Deductible 400 8 Stucco siding No
2014 380,000 Membrane Roof 2,350 4 $1000-$2500 Deductible 900 8 Wood siding No
2012 645,000 Wood Shake Roof 3,160 5 $2500-$5000 Deductible 620 4 Brick siding No
2003 505,000 Membrane Roof 2,880 4 $2500-$5000 Deductible 100 1 Vinyl siding No
2014 400,000 Metal Roof 2,070 4 $1000-$2500 Deductible 770 8 Stone Siding No
2014 570,000 Metal Roof 3,520 5 $1000-$2500 Deductible 1070 7 Stucco siding No
2007 460,000 Asphalt Shingles Roof 2,210 4 > $10,000 Deductible 170 2 Vinyl siding No
2014 315,000 Metal Roof 1,850 3 $2500-$5000 Deductible 430 7 Brick siding yes
2013 305,000 Membrane Roof 2,140 3 $2500-$5000 Deductible 380 7 Stucco siding No
2013 340,000 Tile Roof 2,130 4 $500- $1000 Deductible 160 2 Brick siding yes
2006 360,000 Wood Shake Roof 1,720 5 $500- $1000 Deductible 190 3 Stone Siding yes
2010 360,000 Composition Roof 2,450 4 $500- $1000 Deductible 230 4 Fiber-Cement Siding yes
2000 280,000 Slate Shingles Roof 1,950 4 > $10,000 Deductible 40 1 Vinyl siding No
2012 410,000 Composition Roof 2,210 4 $500 Deductible 100 1 Wood siding yes
2003 235,000 Asphalt Shingles Roof 1,670 4 $5000 to $10,000 Deductible 180 7 Stucco siding yes
2003 260,000 Slate Shingles Roof 1,620 3 > $10,000 Deductible 270 10 Brick siding No
2000 410,000 Wood Shake Roof 2,330 3 $500- $1000 Deductible 770 9 Stucco siding yes
2004 550,000 Composition Roof 3,870 5 $500- $1000 Deductible 390 3 Stone Siding No
2002 300,000 Slate Shingles Roof 2,120 4 $1000-$2500 Deductible 430 9 Vinyl siding No
2010 590,000 Tile Roof 3,720 5 $2500-$5000 Deductible 860 9 Wood siding No
2006 380,000 Membrane Roof 2,210 4 $500- $1000 Deductible 1240 12 Vinyl siding yes
2010 365,000 Metal Roof 1,850 5 $500 Deductible 300 3 Stucco siding yes
2005 405,000 Wood Shake Roof 2,430 4 $2500-$5000 Deductible 1050 10 Stucco siding yes
2010 395,000 Tile Roof 2,270 4 $2500-$5000 Deductible 550 7 Brick siding yes
2014 525,000 Membrane Roof 3,750 5 $500- $1000 Deductible 200 2 Fiber-Cement Siding No
2002 360,000 Tile Roof 1,860 3 $500 Deductible 600 8 Stone Siding No
2011 245,000 Wood Shake Roof 1,470 3 $1000-$2500 Deductible 460 10 Fiber-Cement Siding No