Lodi Insurance Rates:

Lodi, CA homeowners insurance is about $516 to $701, about $43-$58/month. Our in depth research shows customers can save upto $243 by comparing many quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

State Farm
I would recommend my home insurance company because my family is very safe
Metlife
My premium and deductible with MetLife can't be beat! I've gotten lots of quotes from other companies, and MetLife always comes out on top.
Progressive
Customer service has been friendly and prompt. I've had no major problems, but my questions have been answered easily and politely.
State Farm
Overall, I am satisfied with my insurance company's customer service. I have an agent who is easy to reach and very helpful when a problem arises.
Century National
The companies website is not really useful. i would like to be able to adjust my policy on the website.
State Farm
After extensive online research comparing all major insurance rates, state farm had the most reasonable rate for the most comprehensive coverage.
Geico
Once i did call for my policy and payment plan, things did not go smoothly. i was trying to switch my plan, i had a lot of difficulties.
Nationwide
I have not really had to use the company's website or app aside from once or twice to either pay my bill or get contact information but it has been very easy to use
Liberty Mutual
Liberty Mutual is very responsive with regards to customer service. All of my questions have been answered in a very timely manner.
State Farm
It took about 10 minutes to get set up with insurance so it was very simple. I barely had to do anything to get set up.
Allstate
I feel that in the past couple of years my service has gone down. The current employees do not provide personalized service that I am used to from my previous agent.
State Farm
They offer a wide variety.There are many different levels of policies you can get through them and they have discounts for bundling things like your home and auto.

Lodi, CA Homeowners Insurance By Home Value

Lodi, CA Home Value Total Homes % of Total Average Lodi, CA Homeowners Insurance
Less than $50,000 926 7.0% $54
$50,000 to $59,999 266 2.0% $121
$70,000 to $79,999 199 1.0% $170
$100,000 to $124,999 764 5.0% $255
$125,000 to $149,999 589 4.0% $316
$150,000 to $174,999 1,052 8.0% $377
$175,000 to $199,999 1,017 7.0% $432
$200,000 to $249,999 2,698 21.0% $523
$250,000 to $299,999 2,107 16.0% $639
$300,000 to $399,999 2,860 22.0% $816

Top Home Insurance Agents Near Lodi, CA

Home Insurance Company Near Lodi, CA Homeowners Insurance Agency Near Lodi, CA Address
NA Mcdowall & Keeney Insurance Associates 865 Howe Ave, Suite 200, Sacramento, CA, 95825
NA Pettitt & Tavernetti 7021 Timber Trail Loop , El Dorado Hills, CA, 95762
State Farm Brennan Carthen 10481 Grant line Road Suite 175, Elk Grove, CA, 95624
Liberty Mutual Independent Brick Insurance Agency-Clsc 2975 TREAT BLVD STE D2, CONCORD, CA, 94518
State Farm Darius Turner 1036 W Robinhood Dr Ste 103, Stockton, CA, 95207-5622

Lodi, CA Home Insurance Agents for Top Companies


Cost Of Homeowners Insurance By Street Near Lodi, CA

Streets in Lodi Area Homeowners Insurance Cost
Ravenna Ln, Yokuts Dr, Arcadia Pl, Oakmont Ct, Mokelumne St, Matthew Plz, Fairchild Dr, Alicante Dr, Armstrong Rd, Hidden Lakes Rd$601
Wellswood Ave, Industrial Way, Jordan Ln, Meadow Oak Dr, Orchard Dr, Angier Rd, Bear Creek Rd, Awani Dr, Incline Dr, S Cluff Ave$586
Huntington Dr, Allen Dr, Elgin Ave, Avena Ave, Perry Way, Burgundy Ln, Woodbridge Rd, Citadel Way, Olson Dr, Mariner Ct$601
Gramercy Park Dr, S Lower Sacramento Rd, Eaton Dr, Cortona Ln, Bruella Rd, Dover Dr, Joaquin St, N Garfield St, N Guild Ave, Windy Tree Ln$623
Le Bec Ct, Bender Rd, Orange St, E Augusta St, Connie St, N Cluff Ave, Robin Ln, Penelope Dr, W Locust St, Sofia Way$614
W Sargent Rd, N Tecklenburg Rd, Clarksdale Rd, N Sacramento St, Grenoble Dr, Yosemite Dr, E Locust St, N Elderberry Ct, Port Chelsea Cir, Modoc Way$602
Tamarack Dr, Ornella Ln, Bluestone Ct, Bluejay Way, Chablis Dr, Childress Rd, S Pacific Ave, Park St, Glenbrook Dr, Jayhawk Dr$603
Garden Dr, E Heintz Aly, Laurel Ave, Barrington Way, Cochran, S Guild Ave, Milan Dr, N Kennison Ln, Tilden Dr, Bella Vina Way$625
Ferrari Ln, Barkley Ln, Live Oak Ct, Winchester Dr, Tiziano Ct, Royal Crest Dr, Murifield Dr, Turner Rd, Magnolia Ln, N Guild Ave$625
Tovanella Way, Tredway Rd, N Washington St, Cross St, Ehrhardt Dr, Almondwood Pl, Bagello Ct, Fairlane Rd, Brittany Ln, Tivoli Dr$605

Lodi, CA Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Lodi$91 to $93
Woodbridge$91
Acampo$90
Collierville$93

Lodi, 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
Woodbridge CDP, California $77 $102 $153
Acampo CDP, California $76 $101 $151
Collierville CDP, California $78 $103 $155

Lodi, 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
Lodi, CA2.5%11.0%
Woodbridge2.38%12.08%
Collierville2.13%20.25%
Morada2.15%10.61%

Lodi Renters Insurance as a Percentage of Rent

Lodi Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$300 to $499 373 3.0% $1245
$500 to $749 1,791 16.0% $1920
$750 to $999 3,057 27.0% $2670
$1,000 to $1,499 4,238 37.0% $3795
$1,500 or more 1,605 14.0% $5445

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

Coverage ($) Deductible ($) Age of home Company Average homeowners insurance premium ($)
5000002500NewPrivilege Underwriters Exch1627
5000002500NewUnigard Group987
2000005001-3 YearsCentury National519
2500005001-3 YearsAmerican Modern948
3000005001-3 YearsCSAA Ins Exch990
50000025001-3 YearsStillwater Prop & Cas Co751
50000025001-3 YearsTravelers828
75000025001-3 YearsGeneral Ins707
1500005004-6 YearsAmerican Reliable525
2000005004-6 YearsPacific Specialty524
40000010004-6 YearsKemper833
50000010004-6 YearsPrivilege Underwriters Exch2497
75000025004-6 YearsMetropolitan Direct1390
1500002507-15 YearsEncompass678
25000010007-15 YearsCSAA Ins Exch1002
2500005007-15 YearsUniversal North America677
3000005007-15 YearsAAA (Interinsurance Exchange)1183
3000005007-15 YearsEncompass1034
40000010007-15 YearsCalifornia Casualty1254
40000010007-15 YearsHartford (Sentinel)1421
40000010007-15 YearsUSAA1000
50000010007-15 YearsHartford (Sentinel)1837

Lodi, CA Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$900$1,900
Yearly Lodi Homeowner Insurance Premium Example $700$500
Out of Pocket Expense During Claim$900$1,900
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $6,500$5,900
Net Savings to Lodi Home Owner from High Deductible Plan $600

Lodi, CA Home Insurance Costs With Home Replacement Value Scenarios

Scenario Lodi, CA Home Replacement Value MORE than Home Value Lodi, CA Home Replacement Value LESS than Home Value
Replacement Value $279,000 $170,500
Insurance Premium based on Replacement Value $775 $475
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $56,500 Risk Exposure from Under Insuring Coverage is $52,000
Premium Impact Insurance cheaper by $150/year Insurance costlier by $150/year

Example Lodi Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company GEICO InsuranceTravelersAllstate
Monthly Premium 6745100
Year Built 200619601983
Home Details 4 Beds, 2 Baths3 Beds, 1 Baths5 Beds, 2 Baths
Coverage Amount $350000-$400000$175000-$200000$400000-$500000
Deductible $1000-$2500 Deductible$500- $1000 Deductible$2500-$5000 Deductible

Sample Home Insurance Rates for Lodi, 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 210,000 Asphalt Shingles Roof 1,900 3 $500 Deductible 100 2 Wood siding No
2003 200,000 Tile Roof 1,440 2 $500 Deductible 130 2 Brick siding No
2004 230,000 Wood Shake Roof 2,050 5 > $10,000 Deductible 250 10 Brick siding yes
1981 260,000 Slate Shingles Roof 2,100 3 > $10,000 Deductible 400 9 Fiber-Cement Siding No
1994 275,000 Wood Shake Roof 2,200 5 $5000 to $10,000 Deductible 110 4 Stone Siding yes
1979 380,000 Slate Shingles Roof 3,470 5 > $10,000 Deductible 50 1 Brick siding No
1967 465,000 Membrane Roof 4,030 5 $500- $1000 Deductible 1060 12 Brick siding No
1961 355,000 Membrane Roof 2,140 3 $500 Deductible 210 2 Stucco siding yes
2003 315,000 Tile Roof 2,000 4 $5000 to $10,000 Deductible 280 4 Fiber-Cement Siding No
1986 255,000 Membrane Roof 1,890 4 > $10,000 Deductible 70 2 Stucco siding No
2012 320,000 Asphalt Shingles Roof 2,200 3 $5000 to $10,000 Deductible 170 3 Vinyl siding yes
1975 280,000 Metal Roof 2,000 3 $500 Deductible 780 8 Wood siding yes
1991 170,000 Tile Roof 1,460 2 $1000-$2500 Deductible 300 7 Stone Siding No
2013 175,000 Shingles Roof 1,290 2 $2500-$5000 Deductible 310 7 Brick siding yes
1975 195,000 Asphalt Shingles Roof 1,670 2 $5000 to $10,000 Deductible 310 12 Wood siding yes
1976 205,000 Metal Roof 1,220 3 $500- $1000 Deductible 430 12 Stucco siding yes
2000 260,000 Shingles Roof 2,350 3 $500- $1000 Deductible 130 3 Brick siding yes
2013 295,000 Shingles Roof 2,350 3 $500- $1000 Deductible 550 7 Vinyl siding No
2004 260,000 Membrane Roof 2,100 4 $5000 to $10,000 Deductible 40 1 Brick siding yes
1993 345,000 Wood Shake Roof 3,050 4 $1000-$2500 Deductible 100 2 Wood siding No
2014 270,000 Slate Shingles Roof 2,350 3 $5000 to $10,000 Deductible 490 9 Brick siding yes
1968 305,000 Wood Shake Roof 2,380 4 $5000 to $10,000 Deductible 500 8 Wood siding No
1990 160,000 Tile Roof 1,410 3 $2500-$5000 Deductible 140 6 Fiber-Cement Siding No
1987 280,000 Membrane Roof 2,390 3 $1000-$2500 Deductible 390 7 Stucco siding yes
1975 250,000 Metal Roof 2,110 3 $500 Deductible 150 2 Fiber-Cement Siding No
1980 190,000 Membrane Roof 1,360 2 $500- $1000 Deductible 70 2 Wood siding yes
1963 350,000 Metal Roof 2,400 3 > $10,000 Deductible 200 4 Brick siding No
2007 305,000 Metal Roof 2,200 4 $500 Deductible 390 4 Brick siding No
1981 185,000 Membrane Roof 1,600 3 $1000-$2500 Deductible 400 10 Stone Siding No
1993 290,000 Membrane Roof 1,920 3 $5000 to $10,000 Deductible 240 5 Wood siding yes
1996 150,000 Wood Shake Roof 920 2 $5000 to $10,000 Deductible 70 3 Wood siding yes
1964 345,000 Wood Shake Roof 2,210 3 $1000-$2500 Deductible 50 1 Vinyl siding No
1990 320,000 Shingles Roof 2,550 4 > $10,000 Deductible 220 5 Fiber-Cement Siding yes

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