Petaluma ,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 Petaluma, 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 Petaluma, CA is $1391. Enter your zipcode below and click “GO” to get multiple free quotes.
It is important to understand the different coverage options available in Petaluma, CA. VHome Insurance will help you navigate the world of homeowners insurance coverages in Petaluma, CA.
| Coverage Level | Average Annual Premium |
|---|---|
| $100,000 | $556 |
| $200,000 | $946 |
| $300,000 | $1,168 |
| $400,000 | $1,780 |
| $500,000 | $2,240 |
One key aspect of your policy is the deductible, which is the amount you pay out of pocket before your insurance kicks in. Choosing the right deductible can have a major impact on your insurance premiums and overall savings. In this guide, we'll help you understand the options available for homeowners insurance deductibles in Petaluma, CA, and how to choose the right one for your needs.
| Deductible Level | Average Annual Premium |
|---|---|
| $500 Deductible | $1,426 |
| $1000 Deductible | $1,276 |
| $1500 Deductible | $1,203 |
| $2500 Deductible | $1,085 |
| $5000 Deductible | $918 |
| 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 |
| 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 |
| Place | Home insurance as a % of housing cost for homes with mortgage | Home insurance as a % of housing cost for homes without mortgage |
|---|---|---|
| Petaluma, CA | 2.2% | 10.6% |
| Penngrove | 1.72% | 9.87% |
| Cotati | 2.39% | 9.73% |
| Rohnert Park | 2.42% | 8.97% |
| 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 |
| 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 |
| Place | Savings For Senior Occupied Homes |
|---|---|
| Petaluma | $94 to $97 |
| Penngrove | $101 |
| Cotati | $93 |
| Rohnert Park | $92 |
| Coverage ($) | Deductible ($) | Age of home | Company | Average homeowners insurance premium ($) |
|---|---|---|---|---|
| 150000 | 250 | 4-6 Years | Unigard Group | 493 |
| 150000 | 250 | 7-15 Years | Wawanesa | 440 |
| 150000 | 250 | 41-70 Years | Horace Mann | 392 |
| 150000 | 500 | 1-3 Years | Chubb/Federal | 614 |
| 150000 | 500 | 1-3 Years | MAPFRE Group | 300 |
| 150000 | 500 | 1-3 Years | Nationwide | 361 |
| 150000 | 500 | 7-15 Years | Oregon Mutual | 500 |
| 150000 | 500 | 41-70 Years | American Modern | 791 |
| 200000 | 500 | 1-3 Years | Pacific Specialty | 465 |
| 200000 | 500 | 4-6 Years | Farmers (Fire Ins) | 552 |
| 200000 | 500 | 16-25 Years | General Ins | 343 |
| 200000 | 500 | 41-70 Years | Hartford (Sentinel) | 681 |
| 200000 | 500 | 41-70 Years | Pacific Specialty | 634 |
| 250000 | 1000 | 4-6 Years | First American Ins | 497 |
| 250000 | 500 | 4-6 Years | AIG Prop Cas | 995 |
| 250000 | 500 | 7-15 Years | Century National | 841 |
| 250000 | 500 | 7-15 Years | MAPFRE Group | 589 |
| 250000 | 500 | 16-25 Years | Horace Mann P & C | 663 |
| 250000 | 500 | 26-40 Years | QBE (Balboa) | 1086 |
| 250000 | 500 | 26-40 Years | Stillwater Prop & Cas Co | 744 |
| 250000 | 500 | 41-70 Years | Wawanesa | 663 |
| 300000 | 500 | New | CSAA Ins Exch | 675 |
| 300000 | 500 | New | MAPFRE Group | 427 |
| Low Deductible | High 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 | |
| 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 |
| Insurance Company | Travelers | State Farm | Amica Mutual Insurance Company |
| Monthly Premium | 201 | 79 | 79 |
| Year Built | 2007 | 1981 | 1977 |
| Home Details | 5 Beds, 2 Baths | 4 Beds, 3 Baths | 3 Beds, 1 Baths |
| Coverage Amount | $800000-$900000 | $400000-$500000 | $400000-$500000 |
| Deductible | $1000-$2500 Deductible | $5000 to $10,000 Deductible | $2500-$5000 Deductible |