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.
| 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 |
| 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 |
| Place | Home insurance as a % of housing cost for homes with mortgage | Home insurance as a % of housing cost for homes without mortgage |
|---|---|---|
| Napa, CA | 2.1% | 10.0% |
| Silverado Resort | 1.55% | 6.06% |
| Yountville | 1.96% | 9.08% |
| Green Valley | 1.76% | 6.52% |
| 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 |
| 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 |
| Place | Savings For Senior Occupied Homes |
|---|---|
| Napa | $95 to $97 |
| Silverado Resort | $109 |
| Yountville | $99 |
| Green Valley | $100 |
| Coverage ($) | Deductible ($) | Age of home | Company | Average homeowners insurance premium ($) |
|---|---|---|---|---|
| 250000 | 1000 | New | CSAA Ins Exch | 558 |
| 250000 | 1000 | New | General Ins | 275 |
| 250000 | 500 | New | Horace Mann P & C | 488 |
| 400000 | 1000 | New | Pacific Property And Casualty | 368 |
| 500000 | 2500 | New | AIG Prop Cas | 1139 |
| 500000 | 2500 | New | Amica Mutual | 1021 |
| 500000 | 2500 | New | California Capital | 542 |
| 500000 | 2500 | New | IDS Property Casualty | 691 |
| 500000 | 2500 | New | Stillwater Ins Co | 451 |
| 150000 | 250 | 1-3 Years | California Casualty | 357 |
| 150000 | 500 | 1-3 Years | Horace Mann P & C | 300 |
| 200000 | 500 | 1-3 Years | Stillwater Ins Co | 430 |
| 250000 | 1000 | 1-3 Years | California Capital | 378 |
| 300000 | 500 | 1-3 Years | Oregon Mutual | 586 |
| 400000 | 1000 | 1-3 Years | Amica Mutual | 968 |
| 500000 | 1000 | 1-3 Years | Grange | 866 |
| 750000 | 2500 | 1-3 Years | AIG Prop Cas | 1665 |
| 750000 | 2500 | 1-3 Years | MAPFRE Group | 1112 |
| 150000 | 250 | 4-6 Years | Liberty Ins Corp | 541 |
| 150000 | 500 | 4-6 Years | General Ins | 254 |
| 250000 | 1000 | 4-6 Years | Hartford (Sentinel) | 536 |
| 250000 | 1000 | 4-6 Years | Horace Mann P & C | 521 |
| 250000 | 1000 | 4-6 Years | MAPFRE Group | 548 |
| Low Deductible | High 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 | |
| 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 |
| Insurance Company | State Farm | Farmers Insurance | GEICO Insurance |
| Monthly Premium | 57 | 97 | 41 |
| Year Built | 2012 | 1965 | 1979 |
| Home Details | 5 Beds, 3 Baths | 3 Beds, 1 Baths | 2 Beds, 1 Baths |
| Coverage Amount | $300000-$350000 | $400000-$500000 | $200000-$250000 |
| Deductible | $2500-$5000 Deductible | $2500-$5000 Deductible | $5000 to $10,000 Deductible |