Napa Insurance Rates:

Napa ,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 Napa, 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 Napa, CA is $. Enter your zipcode below and click “GO” to get multiple free quotes.

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Home Insurance Companies in Napa, CA: Customer-Reviewed Options

Top Home Insurance Agents Near Napa, CA

Home Insurance Company Near Napa, CA Homeowners Insurance Agency Near Napa, CA Address
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
Farmers Ralph Robinson 1250 45th St Ste 200, Emeryville, CA, 94608
Allstate Steven Memmer 150 E Cotati Ave, Cotati, CA, 94931

Napa, CA Home Insurance Agents for Top Companies


Napa, 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
Silverado Resort CDP, California $91 $121 $181
Yountville city, California $83 $111 $166
Green Valley CDP (Solano County), California $84 $111 $167


Napa, 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
Napa, CA2.1%10.0%
Silverado Resort1.55%6.06%
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

Cost Of Homeowners Insurance By Street Near Napa, CA

Streets in Napa Area Homeowners Insurance Cost
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

Napa, CA Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Napa$95 to $97
Silverado Resort$109
Green Valley$100

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

Coverage ($) Deductible ($) Age of home Company Average homeowners insurance premium ($)
2500001000NewCSAA Ins Exch558
2500001000NewGeneral Ins275
250000500NewHorace Mann P & C488
4000001000NewPacific Property And Casualty368
5000002500NewAIG Prop Cas1139
5000002500NewAmica Mutual1021
5000002500NewCalifornia Capital542
5000002500NewIDS Property Casualty691
5000002500NewStillwater Ins Co451
1500002501-3 YearsCalifornia Casualty357
1500005001-3 YearsHorace Mann P & C300
2000005001-3 YearsStillwater Ins Co430
25000010001-3 YearsCalifornia Capital378
3000005001-3 YearsOregon Mutual586
40000010001-3 YearsAmica Mutual968
50000010001-3 YearsGrange866
75000025001-3 YearsAIG Prop Cas1665
75000025001-3 YearsMAPFRE Group1112
1500002504-6 YearsLiberty Ins Corp541
1500005004-6 YearsGeneral Ins254
25000010004-6 YearsHartford (Sentinel)536
25000010004-6 YearsHorace Mann P & C521
25000010004-6 YearsMAPFRE Group548


Napa, CA Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
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