Placer County Insurance Rates:

Placer County, CA homeowners insurance is roughly $531 to $717, about $44-$59/month. Our comprehensive guide shows customers can save upto $249 by comparing many quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Cheap Homeowners Insurance Placer County, CA

Home insurance is one of the most important types of insurance. It protects your home and belongings in the event of a covered loss, such as a fire or theft. Home insurance also provides liability coverage if someone is injured on your property. Home insurance is a must if you own a home in Placer County, CA. The county is susceptible to wildfires, earthquakes, and mudslides, all of which could cause significant damage to your home. Even if your home is not damaged in a disaster, your belongings could be. Home insurance can help you replace them. Don’t wait until it’s too late to get home insurance. Get a policy in place today to protect your home and belongings.

As a result, purchasing homeowners insurance in Placer County, California, is a wise decision to safeguard your family and property. In Placer County, the average cost of homeowner's insurance is $1147. Most homeowners find this amount somewhat overwhelming, but there are a few ways to cut costs.

Ways to Reduce Your Home Insurance in Placer County, CA is:

By Installing Safety Features to Protect Your Home

Nearly all insurance companies offer a discount for having some home security system installed in your home. You can do several things to help reduce the cost of your home insurance in Placer County, CA. One of the best things you can do is install safety features to help protect your home. This includes smoke detectors, fire sprinklers, and security systems. Taking these measures can help lower the risk of damage to your home and the potential for liability claims. In turn, this can lead to lower premiums from your insurance company.

Homes with deadbolts, for instance, will prevent a burglar from breaking in at any main access point. It will lessen the likelihood of theft. Homes in Placer County with deadbolts cost $986.42 more to insure. The cost of home insurance will drop with more modern amenities.

By adding more modern features to their homes, homeowners can further lower the price of insurance. See the chart below to find out how much insurance will cost you based on the safety features.

By Using Study Materials to Construct Your Home

Home insurance costs in Placer County, CA, can be reduced by using study materials to construct your home. Using these materials, you can create a home less likely to be damaged in a fire or other disaster. This can help to reduce the cost of your home insurance. Homeowners in Placer County who have used masonry and fire-resistive brick to build their homes pay $1089.65 and $1009.36, respectively.

By Maintaining Zero Claims History

There are many benefits to maintaining a zero claims history when it comes to your home insurance costs in Placer County, CA. For one, your insurance company will likely give you a discount for being claims-free. Additionally, a zero claims history may help you qualify for a lower deductible, saving you money if you ever have to file a claim. Finally, having a zero claims history may give you peace of mind, knowing that you are not at risk of losing your insurance coverage or having your rates increase if you have to file a claim. In Placer County, California, homeowners with no claims pay $997.89 for their home insurance, while those with one or two claims pay $1227.29 and $1296.11, respectively.

Placer County, CA Homeowners Insurance By Home Value

Placer County, CA Home Value Total Homes % of Total Average Placer County, CA Homeowners Insurance
Less than $50,000 2,659 4.0% $43
$100,000 to $124,999 1,387 2.0% $187
$125,000 to $149,999 1,106 1.0% $237
$150,000 to $174,999 2,424 4.0% $280
$175,000 to $199,999 2,790 4.0% $324
$200,000 to $249,999 9,108 15.0% $393
$250,000 to $299,999 12,706 21.0% $480
$300,000 to $399,999 24,090 41.0% $611

Top Home Insurance Agents Near Placer County, CA

Home Insurance Company Near Placer County, CA Homeowners Insurance Agency Near Placer County, CA Address
Farmers Benito Guajardo 1540 River Park Dr Ste 111, Sacramento, CA, 95815
Farmers Daniel Dentone 187 Blue Ravine Rd Ste 130, Folsom, CA, 95630
Travelers Divide Insurance Agency 10235 FAIR OAKS BLVD STE 202, FAIR OAKS, CA, 95628
Farmers Jaime Ayala 4221 Northgate Blvd Ste 1, Sacramento, CA, 95834
Travelers Steve C Luth Insurance Services 5011 GOLDEN FOOTHILL PKWY STE 1, EL DORADO HILLS, CA, 95762

Placer County, CA Home Insurance Agents for Top Companies


Cost Of Homeowners Insurance By Street Near Placer County, CA

Streets in Placer County Area Homeowners Insurance Cost
Snowy River Ct, Bremerton Ct, Tall Pines Ct, Poplar Ct, Sharifa Way, John Muir Dr, James Mc Iver, Cromwell Ct, Blackstone Dr, Shenandoah Rd$670
Winding Creek Ln, Camborne Way, Brunswick Way, Butler Ct, Shirland Park Pl, Pine Needle Way, Flint Way, Putter Ct, Kelly Ln, Ridge View Cir$660
Equestrian Ct, Ibis Ct, Live Oak Rd, Pleasant St, Fabian Way, Spyglass Cir, Balmoral Dr, Stonebridge Way, Tanager Ct, Park Ln$619
Stansbury Cir, Panorama Ct, Swallowview Dr, Nob Hill Rd, Evening Breeze Ct, Yellowstone Ln, Cll Avion, Dover Dr, Ayres Holmes Rd, Sterling Pointe Ct$625
Quail Glen Ct, Trailee Ct, Old Orchard Ct, Hernandez Ln, Quartzite Cir, Chilton Dr, Pso Tranquilo, Bridgestone Crescent Rd, Shenencock Ct, Nolen Dr$612
Nob Hill Dr, Hummingbird Ln, Cognac Ct, Bridge Creek Ln, Sandalwood Dr, Rippling Way, Jorgenson Dr, R St, Princeton Reach Way, Shannon Way$655
Cranborne Ct, Quail Springs Ln, Fairview Dr, Legends Dr, Empire Ct, Shoreview Dr, Garfield Ct, Kingbird Ln, Davis Ct, Ashridge Ct$611
4th St, Toscana Pl, Sweetwater Dr, Gainsborough Ct, Harrison Dr, Prado Vis, McLain Rd, Coronado Ave, el Oro Dr, Blue Heron Loop$598
Horncastle Ave, Lake Front Dr, Prospect Mountain Way, Haley Dr, Meadow Oaks Dr, N Harding Blvd, Tahoe St, Blue Oaks Dr, Quane Ct, Greenbrae Rd$664
Thelin Dr, Walters St, Pear Hill Ln, Brookview St, Whistlestop Way, The Drive, Monument Dr, Tahoe Tavern Rd, Parkhill Dr, Portofino Dr$644

Placer County, CA Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Placer County$93 to $95
Foresthill$91
Foresthill-Back Country$92
Colfax$90

Placer County, 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
Foresthill CDP, California $92 $122 $183
Foresthill-Back Country CCD, Placer County, California $92 $123 $185
Alta CDP, California $92 $122 $183

Placer County, 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
Placer County, CA2.2%9.5%
Foresthill2.72%13.56%
Foresthill-Back Country2.63%9.34%
Alta2.75%11.5%

Placer County Renters Insurance as a Percentage of Rent

Placer County Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 452 1.0% $787
$300 to $499 906 2.0% $1237
$500 to $749 2,774 7.0% $1912
$750 to $999 7,248 19.0% $2662
$1,000 to $1,499 13,487 37.0% $3787
$1,500 or more 11,356 31.0% $5437

Latest Home Insurance Reviews by Location

Roseville, CA

Amica Mutual Insurance
I would mostly recommend Amica. My only hesitation in recommending is that since we've never filed a claim, I don't know how their claim process works.
Read more Roseville home insurance reviews

Auburn, CA

Allstate
I would recommend Allstate home insurance because they are really great to work with. They have local agencies that I can just call them up and talk to a real person instead of a national company.
Read more Auburn home insurance reviews

Rocklin, CA

Progressive
I have really enjoyed my experience with Progressive. My parents had it and recommended it to me and I couldn't be happier.
Read more Rocklin home insurance reviews

Lincoln, CA

Allstate
I have had to have limited interaction with my insurance company. I live in a condo and have not had any property damage or break ins.
Read more Lincoln home insurance reviews

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