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Napa, CA Home Values & Insurance Rates

Napa, CA Home Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 957 8.0% $31
$60,000 to $69,999 245 2.0% $89
$70,000 to $79,999 306 2.0% $108
$80,000 to $89,999 247 2.0% $121
$90,000 to $99,999 118 1.0% $133
$100,000 to $124,999 219 1.0% $159
$125,000 to $149,999 231 2.0% $197
$150,000 to $174,999 484 4.0% $229
$175,000 to $199,999 526 4.0% $267
$200,000 to $249,999 1,613 14.0% $325
$250,000 to $299,999 1,370 12.0% $395
$300,000 to $399,999 4,822 43.0% $504

Top Home Insurance Agents Near Napa, CA

Home Insurance Company Near Napa, CA Homeowners Insurance Agency Near Napa, CA Address
Farmers Ralph Robinson 1250 45th St Ste 200, Emeryville, CA, 94608
Allstate Steven Memmer 150 E Cotati Ave, Cotati, CA, 94931
Travelers Fidelity Insurance Service Inc 801 ALLSTON WAY, BERKELEY, CA, 94710
State Farm Gary Eason 2150 Shattuck Ave Ste 125, Berkeley, CA, 94704-1353
Farmers Gustavo Padilla 4381 Broadway St Ste 105, American Canyon, CA, 94503

Estimated Home Insurance By Street Area Near Napa, CA

Napa Area Estimated House Insurance
Daffodil Dr, Fawn Ct, Salmon Creek Ln, Unwin Dr, Holcomb Ln, Wintergreen Ct, Ironwood Ct, Parkview Ct, Old Soscol Ave, Ash St$725
Pinecreek Ln, Lugo Ln, Magnolia Dr, Hedgeside Ave, Professional Dr, Palestrina Dr, Elfrada Crossing St, Pamela Dr, Sacramento St, Tower Rd$621
Rapp Ln, Macmillan St, Cynthia Ct, E 3rd Ave, York St, Scally Ln, State Hwy 221, Byway E, Via Firenze, Greenwood Rd$727
Cross St, Beechwood Ct, Harding Ave, Underhill Dr, Round Hill Cir, Cottage Cove Ln, Shasta Ave, Hunters Cir, Mission Ct, William Ct$658
Cabot Way, Windsor St, Alpine Ct, Lawrence St, Alta Mesa Cir, Deerpark Ln, Sparrow Ct, Falcon Crest Cir, Maximilian Ct, S Kelly Rd$609
Oakville Ridge Rd, Hemlock St, Maui Way, Stanislaus Ln, Yellowstone St, San Carlos Dr, Golden Brook Ln, Middle Ave, Packard Ct, Elliott Dr$647
Cayetano Dr, Wild Horse Valley Rd, Pinnacle Peak St, Sonoma St, Oakcrest Ct, Blossom Ct W, Monticello Rd, Chaparral Cir, B St, Pall Mall Ct$718
Liberty Dr, Wood Duck Ct, Polley Dr, Ridge Dr, Kaanapali Dr, Mac Leod St, Fountain Grove Cir, Sierra Ave, Madison St, Airpark Rd$708
Mac Donald St, Stonegate Ln, Hillcrest Dr, Grant St, Walden Ln, Baywood Ln, Toscana Dr, Theresa Ave, Yajome St, School St$626
Cardinal Ct, Cantada Way, Newell Cir, el Capitan Way, Gordon Valley Rd, Lutge Ct, Kenwood St, Jana Way, Wooden Valley Cross Rd, Arcadia Ct$727

Savings on home insurance for senior occupied homes

PlaceSavings
Napa$95 to $97
Silverado Resort$109
Yountville$99
Green Valley$100

Napa, CA 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
Napa, CA2.1%10.0%
Silverado Resort1.55%6.06%
Yountville1.96%9.08%
Green Valley1.76%6.52%

Napa Renters Insurance as a Percentage of Rent

Napa Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 324 2.0% $779
$300 to $499 444 3.0% $1229
$500 to $749 943 6.0% $1904
$750 to $999 2,024 13.0% $2654
$1,000 to $1,499 5,435 37.0% $3779
$1,500 or more 5,462 37.0% $5429

Napa, CA Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,400$5,400
Yearly Napa Homeowner Insurance Premium Example $2,000$1,200
Out of Pocket Expense During Claim$1,400$5,400
Total Home Insurance Premium for 7 years + Out of Pocket Expense for Claim $15,400$13,800
Net Savings to Napa Home Owner from High Deductible Plan $1,600

Napa, CA Home Insurance Costs With Home Replacement Value Scenarios

Scenario Napa, CA Home Replacement Value MORE than Home Value Napa, CA Home Replacement Value LESS than Home Value
Replacement Value $444,000 $298,500
Insurance Premium based on Replacement Value $1,275 $875
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $65,500 Risk Exposure from Under Insuring Coverage is $80,000
Premium Impact Insurance cheaper by $225/year Insurance costlier by $175/year

Example Napa Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company State FarmFarmers InsuranceGEICO Insurance
Monthly Premium 579741
Year Built 201219651979
Home Details 5 Beds, 3 Baths3 Beds, 1 Baths2 Beds, 1 Baths
Coverage Amount $300000-$350000$400000-$500000$200000-$250000
Deductible $2500-$5000 Deductible$2500-$5000 Deductible$5000 to $10,000 Deductible

Napa, CA Auto & Home Insurance Bundling Discounts

Place 1 Car Bundle Savings 2 Car Bundle Savings 3 Car Bundle Savings
Silverado Resort CDP, California $91 $121 $181
Yountville city, California $83 $111 $166
Green Valley CDP (Solano County), California $84 $111 $167

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1965 840,000 Slate Shingles Roof 4,620 5 > $10,000 Deductible 1310 10 Brick siding No
1983 230,000 Wood Shake Roof 1,120 2 $1000-$2500 Deductible 80 2 Brick siding yes
1964 820,000 Metal Roof 3,370 4 $5000 to $10,000 Deductible 130 1 Brick siding yes
2008 365,000 Composition Roof 1,960 3 $500- $1000 Deductible 180 2 Vinyl siding No
1967 280,000 Tile Roof 1,650 2 $500- $1000 Deductible 130 2 Fiber-Cement Siding No
1965 355,000 Metal Roof 1,700 4 $5000 to $10,000 Deductible 380 7 Vinyl siding yes
2011 455,000 Wood Shake Roof 2,030 4 $2500-$5000 Deductible 740 10 Fiber-Cement Siding No
2009 700,000 Composition Roof 3,560 5 $5000 to $10,000 Deductible 1030 9 Stucco siding yes
1972 770,000 Asphalt Shingles Roof 2,363 4 $500- $1000 Deductible 460 3 Stucco siding yes