Napa Insurance Rates:

Napa, CA homeowners insurance is roughly $541 to $734, about $45-$61/month. Our detailed research indicates shoppers can save as much as $255 by comparing multiple quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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How to Reduce the Cost of Homeowners Insurance in Napa, CA

In Napa, California, homeowners insurance typically costs $1598. The fact that California has a proven history of natural disasters as it is vulnerable to natural disasters like floods, earthquakes, and wildfires. Therefore, if you own a home in Napa, California, you must obtain homeowners insurance to safeguard your property and its contents. Home insurance coverage will ensure that repair or replacement costs are covered if your house is damaged due to unforeseeable events.

A few factors which can influence the insurance rates in Napa, CA, are the size of the building, geographical location, age of the house, credit history, coverage, deductibles, materials used to construct your home, and many more. Refer to a few factors mentioned below which can get you a discount on homeowners insurance in Napa, CA.

1. By choosing a higher deductible

You must pay a certain amount out of pocket before your homeowner's insurance provider will start to compensate for your losses. For instance, in Napa, California, homeowners choose deductibles of 500 and 1500 to pay premiums of $1578.82 and $1344.56, respectively. However, households with deductibles of 2000 and 2500 pay $1220.55 and $1147.36, respectively.

Napa CA

2. By installing security features

Home security measures aim to lessen the possibility of harm being done to people or property. Homes with security systems typically qualify for reductions from insurance carriers. Adding a home safety system that can assist in lowering your home insurance rate and protect your home. The fire protection system is one of the best security tools. Extinguishers successfully put out fires in retail and residential structures, reduce property loss, and minimize damages. In Napa, California, houses equipped with fire extinguishers cost $1438.2.

3. By maintaining a zero claims history

People with no claims history are less likely to make future claims, thus reducing the risk of losses for the insurance company. Therefore, several insurance providers offer no-claims discounts on homeowners insurance in Napa, California. For instance, homeowners in Napa, California, must pay a premium of $1406.24 with no claims history despite having never filed a claim. In contrast, homeowners in Napa, California, who have one or two claims, must pay,$1677.9 and $1821.72, respectively.


Napa, CA, Best Home Insurance Companies

In Napa, California, homeowners pay an average home insurance rate of $1,598, which is comparatively higher than the national average premium of $1,438. The quotes offered by home insurance providers differ from one company to another. Napa homeowners are suggested to compare quotes from multiple home insurance companies to identify the cheapest one that best suits their needs. Below are the top 5 home insurance companies in California according to market share.


State Farm

State Farm is the most prominent company in California, occupying the major market share of 17.56%. It has written direct premiums worth $1,469,169 and earned direct premiums worth $1,405,885. A.M. Best has awarded it with a financial strength rating of A++ for its superior financial ability in granting potential claims to current Napa policyholders. It holds a customer satisfaction score of 4/5 based on the feedback collected from policyholders by J.D. Power.


According to NAIC, Farmers occupies a market share of 15.97%. The total value of direct premiums written and earned by Farmers is $1,335,894 and $1,293,054, respectively. It has received a financial strength rating of A+ from A.M. Best for its superior financial ability to grant claims of current policyholders. Based on the feedback curated by J.D. Power, Farmers has a customer satisfaction score of 3/5.


CSAA follows Farmers in terms of market share, occupying 6.51% of the share. It has direct premiums written and earned with a total value of $544,788 and $527,552, respectively. CSAA received an A rating by A.M. Best for its excellent financial ability in granting potential claims of current policyholders. J.D. Power has awarded CSAA with a rating of 3/5 on customer satisfaction.

Liberty Mutual

Liberty Mutual has a market share of 6.24% in California, with direct premiums written worth $521,782, and direct premiums earned worth $501,655. A.M. Best rated Liberty Mutual with an A for its excellent ability to grant potential claims of current policyholders. In terms of overall customer satisfaction, Liberty Mutual received a score of 3/5 from J.D Power.


Allstate is another major player in the home insurance segment, with a market share of 5.91%. The home insurance company has direct premiums written worth $494,685, and direct premiums earned worth 488,052. Allstate has the superior financial ability in granting potential claims of current Napa policyholders and has been awarded a rating of A+ from A.M. Best. It received a customer satisfaction score of 3/5 from J.D. Power.

Napa, CA Homeowners Insurance By Home Value

Napa, CA Home Value Total Homes % of Total Average Napa, CA 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
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

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

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

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

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
1962 520,000 Asphalt Shingles Roof 2,550 4 $2500-$5000 Deductible 530 6 Wood siding No
1987 695,000 Slate Shingles Roof 2,880 5 $500- $1000 Deductible 330 2 Stone Siding yes
1979 400,000 Shingles Roof 1,620 5 $1000-$2500 Deductible 180 2 Stone Siding No
1981 450,000 Composition Roof 2,470 4 > $10,000 Deductible 130 2 Brick siding yes
1977 200,000 Composition Roof 1,100 2 $500- $1000 Deductible 290 8 Wood siding yes
1998 590,000 Shingles Roof 2,730 4 $500 Deductible 810 6 Vinyl siding yes
1969 655,000 Tile Roof 2,860 5 > $10,000 Deductible 130 2 Vinyl siding yes
2007 735,000 Shingles Roof 3,950 5 $500 Deductible 750 5 Wood siding No
1969 605,000 Slate Shingles Roof 3,020 4 $500- $1000 Deductible 950 8 Vinyl siding yes
2000 325,000 Membrane Roof 1,420 3 $1000-$2500 Deductible 350 4 Stucco siding yes
1960 575,000 Wood Shake Roof 2,940 5 $1000-$2500 Deductible 1490 10 Brick siding yes
2000 525,000 Membrane Roof 2,730 5 $1000-$2500 Deductible 820 6 Brick siding No
2006 535,000 Shingles Roof 2,240 3 $1000-$2500 Deductible 470 5 Wood siding yes
2004 305,000 Slate Shingles Roof 1,540 2 $500 Deductible 160 2 Stucco siding No
2005 290,000 Composition Roof 1,360 2 $500 Deductible 150 3 Stucco siding No
1984 495,000 Membrane Roof 2,100 4 > $10,000 Deductible 80 1 Stone Siding yes
1989 555,000 Composition Roof 2,510 5 $5000 to $10,000 Deductible 450 5 Fiber-Cement Siding yes
1976 350,000 Metal Roof 1,980 3 > $10,000 Deductible 290 7 Stucco siding yes
1972 795,000 Membrane Roof 3,410 5 $500 Deductible 2270 12 Brick siding yes
1977 460,000 Asphalt Shingles Roof 1,980 4 $5000 to $10,000 Deductible 130 2 Vinyl siding yes
1988 515,000 Membrane Roof 2,830 4 $2500-$5000 Deductible 140 2 Fiber-Cement Siding No
2001 485,000 Wood Shake Roof 2,010 4 $5000 to $10,000 Deductible 600 7 Fiber-Cement Siding yes
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

Latest Home Insurance Reviews

My rating is 5. I am extremely satisfied with insurance company All State. Customer service is very prompt and clarifies all queries instantly.
Overall Its been a good experience with the customer service department. They are always courteous with me.Their premium and deductible are very affordable for all the customers.They have very reasonable prices.
The customer service is worth the extra cost i pay in monthly premium.I feel that my coverage is adequate for my needs.
I've never really checked out many other offers from other companies. My entire family has used Progressive for awhile now. But I think prices are fair for the most part,
I think as a first time home owner my deductible is pretty good. I have my car insurance with geico, so I have a deal.
Liberty Mutual
I'd recommend them based on price, coverage, and customer service. They'll treat you great, and you know you're good if you need help.
I like that i get a discount on my monthly insurance payments because i also have my auto insurance with them.
We decided to choose esurance for our homeowners insurance because they were by far the cheapest.
Sometimes they charge me the wrong amount on my bill. i have to always check it and make sure it is correct. even though they fix it it is still a pain to have this happen and even talking to them hasn't permanently fixed this issue.
State Farm
I like the fact that they are nationwide, have 24-hour service through call centers located in the USA and can resolve most issues quickly over the phone or online.
Liberty Mutual
I get a lot of random emails from them. If they aren't marked like they are important I just delete them.
Commerce Insurance
I always get my bills on time, I can set up paperless billing if I want to. I've never had an issue with their communication in this regard.
Safeco Insurance
They send me letters whenever my bill or due or there are any changes/updates to my policy. Other than that, there is not much to communicate about.
Farmer's Insurance
I can quickly talk to my agent if needed. Their website and app are easily navigated. They give a discount because of my profession. They were cheaper than my previous insurance company.
I was very pleased with their prompt response in getting back to me whenever I had a question or needed help with our policy.
There is nothing I dislike about this company. They have been great in every way and I would recommend them to anyone looking for a new home insurance provider.
Overall, Geico has given me the coverage I need for the lowest premium. That's all I can ask for at this point. I will learn more about them if I'm ever unfortunate enough to have to file a claim.
they have done nothing for me to dislike them for, in case you forgot I have never filed a claim with them.
American National Property And Casualty Company
Their service was quick and user friendly. Also, their professionalism always stands out.” Bill “MetLife gives me the best price for the package that I have. I also get a discount on my deductible for every year I am with them. I have shopped around to make sure that I am getting the best price yearly, but side by side no other company is cheaper without sacrificing coverage. I am happy with MetLife.” Melissa
State Farm
I would and do recommend state farm to everyone I come across they were so helpful when I had to make a claim they assigned a single agent to my case and even after he had see our claim through to the end still fielded questions we had long after he was no longer assigned to our case.
Stillwater Insurance Group
I would recommend my company to someone else. The convenient part of my insurance is that I can pay it with my auto insurance and because of that I would recommend it to someone else.
Stillwater Insurance Group
I would recommend this company. I have been satisfied with their service and realized that when you pay more for a company like Allstate, you are really just paying for their branding.
National General
I really like how fast they get the work done once they do get out here to fix what the issue claim is. I also like how they give you a decent amount of damages.
I honestly don't have anything bad to say about them. I have never had a major claim through or any major problems. They seem to be a good company.
Farmer's Insurance
I just very recently transferred to farmers insurance so, I have no experience with them yet.
State Farm
I like State Farm Insurance because they offer a discount for bundling my homeowner's insurance with my auto insurance as well as other great discounts based on my driving record and longevity with the company.

How To Make Your Napa, CA Home Insurance Cheaper

How Much Does Napa, CA Home Insurance Cost?