Modesto ,CA Home Insurance - The cost of homeowners insurance is influenced by a range of factors, including the value of your coverage, deductible, and the construction materials used in your home.
VHome Insurance conducted a thorough analysis of the Modesto, CA homeowners insurance market, taking into account factors like average costs, range of coverages, deductibles and customer satisfaction ratings to determine the best providers. The Average home insurance cost in Modesto, CA is $. Enter your zipcode below and click “GO” to get multiple free quotes.
| Home Insurance Company Near Modesto, CA | Homeowners Insurance Agency Near Modesto, CA | Address |
|---|---|---|
| Farmers | Eric Lee | 1199 Atwater Blvd, Atwater, CA, 95301 |
| Liberty Mutual Independent | Gene Morgan Insurance Agency | 2020 Fourth Street, Livermore, CA, 94550 |
| Travelers | Iii-Patrick Dean Schumacher | 701 S HAM LANE STE A, LODI, CA, 95242 |
| State Farm | Jose Martinez | 2200 Sand Creek Rd Ste D, Brentwood, CA, 94513-7110 |
| Allstate | Scott Fahlgren | 1508 Coffee Rd Ste G, Modesto, CA, 95355 |
| Place | 1 Car Bundle Savings On Insurance | 2 Car Bundle Savings On Insurance | 3 Car Bundle Savings On Insurance |
|---|---|---|---|
| Airport CDP, California | $88 | $117 | $176 |
| Bystrom CDP, California | $87 | $116 | $174 |
| Shackelford CDP, California | $87 | $116 | $174 |
| Place | Home insurance as a % of housing cost for homes with mortgage | Home insurance as a % of housing cost for homes without mortgage |
|---|---|---|
| Modesto, CA | 2.9% | 12.2% |
| Airport | 2.99% | 21.29% |
| Bystrom | 3.87% | 13.68% |
| Shackelford | 3.45% | 16.7% |
| Modesto Home By Monthly Rent | Total Homes | % of Total | Estimated Monthly Income To Afford Rented House Including Renters Insurance |
|---|---|---|---|
| $200 to $299 | 872 | 2.0% | $802 |
| $300 to $499 | 1,856 | 4.0% | $1252 |
| $500 to $749 | 6,779 | 16.0% | $1927 |
| $750 to $999 | 12,244 | 29.0% | $2677 |
| $1,000 to $1,499 | 14,775 | 35.0% | $3802 |
| $1,500 or more | 4,843 | 11.0% | $5452 |
| Streets in Modesto Area | Homeowners Insurance Cost |
|---|---|
| Kings Mill Ct, Boone Way, Sorrel Ct, E Hackett Rd, Salisbury Ln, Penridge Ct, Millwood Dr, Silver Oak Ct, Hamble Ln, Avanel Ct | $599 |
| Ensenada Dr, el Paso Ave, Anita Ct, Melanie Ct, Sausalito Dr, Henry Ave, Cherry Oaks Pl, E Hackett Rd, Pequino Ave, el Vecino Ave | $593 |
| Clevenger Dr, Sonora Ave, Bonanza Way, Triplett St, Hilltop Ln, Daisy Ln, Curry Ave, Whitfield Way, Mac Gregor Ct, Devin Dr | $599 |
| Marguerite Way, Ave D, Dora St, Rocky Brook Dr, Los Palos Way, Primotivo Ct, Superior Ave, Wolverine Way, Atchison St, Lifescapes Dr | $598 |
| de Harro St, Academy Ave, Heavenly Way, Amanda Dr, Bluegrass Ln, Rose Garden Ct, Bridle Path Ln, Clogston Way, Peter John Way, Damask Ct | $596 |
| Independence Way, Woodvale Dr, Skybright Dr, Laguna Dr, Vanderwall Ln, Kendee Rd, Golf Links Rd, Chickaree Ln, Brisas Ct, Alpine Spring Ct | $585 |
| Wellington Dr, Norseman Dr, Cora Way, Carol St, Tyrus St, Joseph Rd, Woodfall Ln, Mason Way, Thornbury Way, Rodeo Cir | $601 |
| Fiesta Way, River Valley Cir, E Rumble Rd, Wainwright Dr, Rocky Ln, Howard St, Arcaro Dr, Wilma Dr, Howard Ave, Rockwood Pl | $594 |
| Wyatt Way, Bowie Ave, Trudi Way, Lenore Dr, Mokelumne Ct, Hillery Dr, Bonnevier St, Royal Ann Dr, Clarendon Ct, Descanso Way | $589 |
| Cortez Ct, Lansing Dr, Rubens Cir, Sage Ct, Potter Ave, N Morton Blvd, Silvaire Ct, Comanche Ct, Larisa Ln, Irene Ave | $591 |
| Place | Savings For Senior Occupied Homes |
|---|---|
| Modesto | $89 to $91 |
| Airport | $87 |
| Rouse | $86 |
| Empire | $88 |
| Coverage ($) | Deductible ($) | Age of home | Company | Average homeowners insurance premium ($) |
|---|---|---|---|---|
| 150000 | 250 | 1-3 Years | Tokio Marine America | 214 |
| 150000 | 250 | 41-70 Years | AIG Prop Cas | 855 |
| 150000 | 500 | 4-6 Years | Amica Mutual | 655 |
| 150000 | 500 | 4-6 Years | Pacific Specialty | 461 |
| 150000 | 500 | 4-6 Years | Stillwater Prop & Cas Co | 542 |
| 150000 | 500 | 7-15 Years | Wawanesa | 503 |
| 150000 | 500 | 26-40 Years | Travelers | 482 |
| 150000 | 500 | 41-70 Years | Nationwide | 690 |
| 200000 | 500 | New | Century National | 536 |
| 200000 | 500 | New | Hartford (Sentinel) | 572 |
| 200000 | 500 | 16-25 Years | Chubb/Federal | 1068 |
| 200000 | 500 | 16-25 Years | IDS Property Casualty | 866 |
| 200000 | 500 | 26-40 Years | Grange | 551 |
| 200000 | 500 | 26-40 Years | Privilege Underwriters Exch | 1291 |
| 250000 | 1000 | 7-15 Years | State Farm | 753 |
| 250000 | 500 | 1-3 Years | Horace Mann | 436 |
| 250000 | 500 | 1-3 Years | Kemper | 619 |
| 250000 | 500 | 16-25 Years | Universal North America | 789 |
| 250000 | 500 | 26-40 Years | First American Ins | 802 |
| 250000 | 500 | 41-70 Years | California Capital | 756 |
| Low Deductible | High Deductible | |
|---|---|---|
| Deductible | $1,100 | $4,100 |
| Yearly Modesto Homeowner Insurance Premium Example | $1,400 | $900 |
| Out of Pocket Expense During Claim | $1,100 | $4,100 |
| Total Home Insurance Premium for 7 years + Out of Pocket Expense for Claim | $10,900 | $10,400 |
| Net Savings to Modesto Home Owner from High Deductible Plan | $500 | |
| Scenario | Modesto, CA Home Replacement Value MORE than Home Value | Modesto, CA Home Replacement Value LESS than Home Value |
|---|---|---|
| Replacement Value | $216,000 | $122,500 |
| Insurance Premium based on Replacement Value | $650 | $375 |
| Risk Exposure from Under Insuring Coverage | Unnecessary Home Insurance Coverage of $47,500 | Risk Exposure from Under Insuring Coverage is $46,000 |
| Premium Impact | Insurance cheaper by $150/year | Insurance costlier by $125/year |
| Insurance Company | GEICO Insurance | Liberty Mutual | Chubb Group of Insurance |
| Monthly Premium | 31 | 27 | 93 |
| Year Built | 1987 | 1990 | 1975 |
| Home Details | 3 Beds, 1 Baths | 4 Beds, 1 Baths | 5 Beds, 1 Baths |
| Coverage Amount | $250000-$300000 | $200000-$250000 | $400000-$500000 |
| Deductible | > $10,000 Deductible | > $10,000 Deductible | $500 Deductible |