Petaluma Insurance Rates:

Petaluma, CA homeowners insurance is approximately $539 to $729, about $44-$60/month. Our complete research shows customers can save as much as $253 by comparing different quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

Mercury
Mercury insurance has a good reputation. They are easy to work with. I like my insurance agent who is pleasant
Saferoad Insurance
The quotes they give me are always updated and useful. they look around the market in order to provide me with useful quotes that work no matter what year or time of year it is.
Allstate
They were helpful when it came to insure the house, and offered bundling (Which we didn't accept). They were prompt with emails and phone calls.

Petaluma, CA Homeowners Insurance By Home Value

Petaluma, CA Home Value Total Homes % of Total Average Petaluma, CA Homeowners Insurance
Less than $50,000 983 7.0% $31
$50,000 to $59,999 162 1.0% $76
$60,000 to $69,999 255 1.0% $95
$70,000 to $79,999 218 1.0% $107
$80,000 to $89,999 160 1.0% $126
$90,000 to $99,999 215 1.0% $139
$100,000 to $124,999 511 3.0% $164
$125,000 to $149,999 431 3.0% $202
$150,000 to $174,999 602 4.0% $240
$175,000 to $199,999 322 2.0% $278
$200,000 to $249,999 1,167 8.0% $336
$250,000 to $299,999 1,934 14.0% $412
$300,000 to $399,999 6,442 48.0% $526

Top Home Insurance Agents Near Petaluma, CA

Home Insurance Company Near Petaluma, CA Homeowners Insurance Agency Near Petaluma, CA Address
Farmers Brian Gustafson 1170 N Lincoln St Ste 102, Dixon, CA, 95620
State Farm Brian Rickerson 3818 Sebastopol Rd, Santa Rosa, CA, 95407-6629
Allstate Curtis Marion 4045 Lone Tree Way, Antioch, CA, 94531
Travelers Jaffe-Schlossberg Inc 3502 Geary Blvd San Francisco, San Francisco, CA, 94118
Nationwide Thomas Fife Bushman 800 South Broadway STE 103, Walnut Creek, CA, 94596

Cost Of Homeowners Insurance By Street Near Petaluma, CA

Streets in Petaluma Area Homeowners Insurance Cost
Windmill Farms Dr, Goodwin Ave, Orr Ranch Rd, Dyquiato Way, Issel Ct, Adobe Ln, Pamela Ct, Blue Heron Pl, Loma Linda Dr, Prospect St$622
Meridian Cir, Rumson Ct, Adrian Ct, Horn Ave, Thomas Ln, Fern Ave, W Napa Dr, Seavey Rd, Condor Ct, Doris Way$692
Curtis Dr, Bonita Way, Copeland Creek Dr, Wynoochee Way, Grey St, Veronda Ave, Union St, Batchelor Ter, Parent Way, Montero Dr$595
Dorine Ave, Hunter Dr, Blodgett St, Cedarwood Ln, White Oak Way, San Simeon Dr, Weatherby Ct, Burnham Ct, Bryce Canyon Ct, Maria Dr$621
Linnet Ln, Petaluma Blvd S, Laredo St, Timberline Ln, Anson Ct, Lynne Conde Way, Creekview Cir, Crown Rd, Cordelia Dr, Pinewood Way$612
Miramonte Pl, Landsdown Cir, Fawn Ln, Round Walk Village Cir, Benedetti Ct, Greenbriar Cir, Elm Dr, Ross St, Dana St, Live Oak Dr$626
Ramona Ln, Maureen Ln, Bessie Mae Ln, Sarah Way, Liberty St, Honor Pl, el Rancho Dr, Brett Ave, Eichten Ln, Professional Dr$618
D St Exn, Reynolds Dr, Parker Ln, Fall Ct, Cerro Sonoma Cir, St Joseph Way, Delano St, Jasmine Ln, Capistrano Way, Oneel Dr$631
Mercedes Way, Cinnabar Ave, S Ely Rd, Dandelion Way, Shelina Vista Way, Macklin Dr, Mason Dr, Monique Pl, Southwest Blvd, Loretto Ave$624
Crinella Dr, San Rafael Dr, McKenzie Dr, Atlantic Ct, Idaho Ave, W Haven Way, Acorn Dr, Clearview Ct, Chester Dr, Rand St$627

Petaluma, CA Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Petaluma$94 to $97
Penngrove$101
Cotati$93
Rohnert Park$92

Petaluma, 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
Penngrove CDP, California $85 $113 $169
Cotati city, California $78 $104 $156
Rohnert Park city, California $77 $103 $154

Petaluma, 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
Petaluma, CA2.2%10.6%
Penngrove1.72%9.87%
Cotati2.39%9.73%
Rohnert Park2.42%8.97%

Petaluma Renters Insurance as a Percentage of Rent

Petaluma Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 219 1.0% $331
$200 to $299 283 1.0% $781
$300 to $499 582 3.0% $1231
$500 to $749 625 3.0% $1906
$750 to $999 2,643 15.0% $2656
$1,000 to $1,499 6,928 39.0% $3781
$1,500 or more 6,310 35.0% $5431

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

Coverage ($) Deductible ($) Age of home Company Average homeowners insurance premium ($)
1500002504-6 YearsUnigard Group493
1500002507-15 YearsWawanesa440
15000025041-70 YearsHorace Mann392
1500005001-3 YearsChubb/Federal614
1500005001-3 YearsMAPFRE Group300
1500005001-3 YearsNationwide361
1500005007-15 YearsOregon Mutual500
15000050041-70 YearsAmerican Modern791
2000005001-3 YearsPacific Specialty465
2000005004-6 YearsFarmers (Fire Ins)552
20000050016-25 YearsGeneral Ins343
20000050041-70 YearsHartford (Sentinel)681
20000050041-70 YearsPacific Specialty634
25000010004-6 YearsFirst American Ins497
2500005004-6 YearsAIG Prop Cas995
2500005007-15 YearsCentury National841
2500005007-15 YearsMAPFRE Group589
25000050016-25 YearsHorace Mann P & C663
25000050026-40 YearsQBE (Balboa)1086
25000050026-40 YearsStillwater Prop & Cas Co744
25000050041-70 YearsWawanesa663
300000500NewCSAA Ins Exch675
300000500NewMAPFRE Group427

Petaluma, CA Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$900$1,900
Yearly Petaluma Homeowner Insurance Premium Example $800$600
Out of Pocket Expense During Claim$900$1,900
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $7,300$6,700
Net Savings to Petaluma Home Owner from High Deductible Plan $600

Petaluma, CA Home Insurance Costs With Home Replacement Value Scenarios

Scenario Petaluma, CA Home Replacement Value MORE than Home Value Petaluma, CA Home Replacement Value LESS than Home Value
Replacement Value $741,000 $468,000
Insurance Premium based on Replacement Value $1,850 $1,175
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $139,500 Risk Exposure from Under Insuring Coverage is $133,500
Premium Impact Insurance cheaper by $325/year Insurance costlier by $350/year

Example Petaluma Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company TravelersState FarmAmica Mutual Insurance Company
Monthly Premium 2017979
Year Built 200719811977
Home Details 5 Beds, 2 Baths4 Beds, 3 Baths3 Beds, 1 Baths
Coverage Amount $800000-$900000$400000-$500000$400000-$500000
Deductible $1000-$2500 Deductible$5000 to $10,000 Deductible$2500-$5000 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1984 445,000 Wood Shake Roof 2,430 4 $1000-$2500 Deductible 170 2 Stone Siding yes
1990 525,000 Asphalt Shingles Roof 2,700 4 > $10,000 Deductible 550 7 Fiber-Cement Siding yes
1986 265,000 Slate Shingles Roof 1,220 3 $1000-$2500 Deductible 170 3 Fiber-Cement Siding No
1995 325,000 Metal Roof 1,690 4 $2500-$5000 Deductible 160 4 Wood siding No
2004 660,000 Metal Roof 3,010 5 $500- $1000 Deductible 1140 6 Fiber-Cement Siding yes
1991 435,000 Asphalt Shingles Roof 2,110 3 $5000 to $10,000 Deductible 660 10 Wood siding No
1972 490,000 Metal Roof 2,210 5 $1000-$2500 Deductible 990 7 Stucco siding yes
1996 1,065,000 Tile Roof 4,560 5 > $10,000 Deductible 590 5 Fiber-Cement Siding No
2008 275,000 Asphalt Shingles Roof 1,330 2 $1000-$2500 Deductible 430 7 Brick siding No
2009 515,000 Wood Shake Roof 2,450 4 > $10,000 Deductible 770 9 Fiber-Cement Siding yes
1995 270,000 Slate Shingles Roof 1,610 2 $500 Deductible 180 3 Stone Siding yes
1984 585,000 Wood Shake Roof 2,450 5 $1000-$2500 Deductible 260 2 Brick siding yes
1977 655,000 Asphalt Shingles Roof 1,779 3 > $10,000 Deductible 840 3 Stone Siding yes