Rancho Cordova Insurance Rates:

Rancho Cordova, CA homeowners insurance is approximately $512 to $694, about $42-$57/month. Our in depth research indicates shoppers can save upto $241 by getting multiple quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

Travelers was the best company I could find, for the most reasonable premiums.
I think that my premiums are probably higher than other companies. I have not done a lot of research of all the other companies.
My deductible is a little high but I think it's worth it because of the service I get and the coverage I receive.
State Farm
I trust state farm because the company has been in business a lot of time and it has a good reputation.
Allstate does not follow through with what they say they will. they tell you that you're covered when you're really not.
Liberty Mutual
They provide excellent, expansive coverage. liberty mutual isn't the cheapest, but they're the best to have when you actually have a claim since they pay realistic replacement rates.
Farmer's Insurance
Same as above: I've never had a claim, but on numerous occasions, I've spoken with an agent about some question I've had. The agents have all been friendly and knowledgeable and able to satisfy my inquiry.
Century National
The companies website is not really useful. i would like to be able to adjust my policy on the website.
State Farm
The website is easy to use now that I am set up. I didn't like it at first because when I entered all of the information needed to get an "automatic quote" it didn't give me the quote it gave me a pop-up screen that gave me two options of either "find an agent" or to call an 800 #. I didn't want to get involved right away with an agent. I prefer to research some on my own first.
allstate offers all the comprehensive coverage that I need. I am quite satisfied with the offerings and how they deliver on claims.
State Farm
If you call there is a short turn around most times. There have been occasions. Very rare. When they don't get back immediately but overall very communicative. I like that about them.
I have not looked into other insurance companies policies lately, the last time about 5 years ago when I did this they were much more than what I was paying because we have been a customer for so long with our current provider
State Farm
It is pricey, but I understand that I am getting a good value out of my policies that I hold. I do not dislike much else about the company.
I don't like the lack of communication. They need to send something more than once per year. In addition, the website needs to be tweaked so that everything is easily accessible all in one page.
The company overall is great at resolving claims. The claims process is quick, reliable, and gives me the answers I am seeking.
I would recommend Traveler's Insurance company to my friends and family because they are a good company with very low deductibles and friendly knowledgable staff.
My experience with this home insurance company is awful. You're better off trying a different provider. Even if you get a horrible experience, you have a chance of something better.
I have been with Progressive for years and don't intend to move. They have always given me great customer service and have worked with me in every aspect of their insurance. I would highly recommend them.
We always recommend them to all of our friends, family, and even neighbors that are moving into our newly developed neighborhood.
I would say that I am overall satisfied with the premium and deductible of my AllState policy compared to what other home insurance policies provide. Therefore, I would rate this a 5.
The thing I could say I wish as there is nothing I really dislike about nationwide, except wishing they would offer a few more add-on coverage choices for total protection.
State Farm
There seems to be more of a push to receive correspondence via e-mail, but we have always preferred receiving hard copy items through the mail. Other than that, they are great!
I found that my policy offering was able to cover a lot of aspects of the home that I had not taken into consideration. In regards to safety, I decided that Geico was the best insurance company.

Rancho Cordova, CA Homeowners Insurance By Home Value

Rancho Cordova, CA Home Value Total Homes % of Total Average Rancho Cordova, CA Homeowners Insurance
Less than $50,000 1,319 5.0% $66
$90,000 to $99,999 328 1.0% $253
$100,000 to $124,999 986 4.0% $295
$125,000 to $149,999 1,589 7.0% $367
$150,000 to $174,999 2,694 12.0% $434
$175,000 to $199,999 2,697 12.0% $506
$200,000 to $249,999 4,776 21.0% $609
$250,000 to $299,999 3,252 14.0% $741
$300,000 to $399,999 4,041 18.0% $946

Top Home Insurance Agents Near Rancho Cordova, CA

Home Insurance Company Near Rancho Cordova, CA Homeowners Insurance Agency Near Rancho Cordova, CA Address
State Farm Angel Sepulveda 6838 Pacific Ave, Stockton, CA, 95207-2605
Farmers Joanne Dinis 8861 Williamson Dr Ste 20, Elk Grove, CA, 95624
Liberty Mutual Luke Hampleman 2450 Venture Oaks Way Suite 200, Sacramento, CA, 95833
Liberty Mutual Independent Meyer & Cook Insurance Agency Llc 14195 River Rd, WALNUT GROVE, CA, 95690
Allstate Winnie Bales 3511 Del Paso Rd Ste 150, Sacramento, CA, 95835

Rancho Cordova, CA Home Insurance Agents for Top Companies

Cost Of Homeowners Insurance By Street Near Rancho Cordova, CA

Streets in Rancho Cordova Area Homeowners Insurance Cost
Abington Way, Trade Center Dr, Copper Sunset Way, Round House Ct, Ashgrove Way, el Caprice Dr, Harvest View Way, Appalachian Dr, Appolonius Dr, Bridlewood Dr$592
Defiance Cir, Ellenbrook Dr, Ramo Ct, Mapola Way, Kachina Way, Cuyamaca Dr, Cecile Way, Moonbeam Dr, Citrus Rd, Golden Eagle Way$595
Sandy Bar Ct, Bouquet Ct, Peter A McCuen Blvd, Carmenet Way, Pullman Dr, Caldera Way, Beatty Dr, Sarah Royce Ct, Kouros Way, Golden Pond Way$612
Kellogg Way, Truemper Way, Cypresswood Way, S White Rock Rd, Melones Cir, Nosler Ct, Grayson Way, el Portal Way, Rhine River Ct, Apperly Way$603
Rosemont Dr, Key West Way, Marissa Way, Humphries Ct, Mallard Lake Way, Ribier Way, Stedway Ct, Canyonlands Dr, Argolis Way, Machias Pl$621
Branigan Lake Way, Larisa Way, Sterling Wood Way, Armstrong Ave, Riley Anton Way, Brahmin Way, Gumtree Dr, Romford Way, Astral Dr, Peachdale Ct$616
Vanier Ct, Mendonca Dr, Van Nuys Way, Johnson Ave, Glenmoor Dr, Mira River Ct, Casals St, Discovery Village Ln, Spellbinder Ct, Levi Strauss Ct$636
el Cino Ct, Rosenstock Way, River Rose Way, Mills Park Dr, Luyung Dr, Leann Dr, Gadsten Way, Minturn Way, Negrara Way, Binchy Way$621
el Burlon Cir, Cobblestone Dr, Henley Way, Meadow Green Cir, Steccato Dr, Londonderry Dr, Hunt Dr, Brazos River Ct, Nederland Way, Rough Gold Ct$603
Wyalong Way, Audubon Way, Serpentine Ct, Rosecliff Cir, Fusilier Way, King Way, Mills Station Rd, Queens Arbor Dr, Pinckney Way, Carla Way$614

Rancho Cordova, CA Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Rancho Cordova$90 to $92
Gold River$94
La Riviera$90

Rancho Cordova, 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
Mather CDP, California $77 $102 $153
Gold River CDP, California $79 $105 $157
Fair Oaks CDP, California $79 $105 $157

Rancho Cordova, 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
Rancho Cordova, CA2.7%11.6%
Gold River2.13%7.62%
Fair Oaks2.31%9.58%

Rancho Cordova Renters Insurance as a Percentage of Rent

Rancho Cordova Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 450 2.0% $798
$300 to $499 364 2.0% $1248
$500 to $749 1,552 9.0% $1923
$750 to $999 5,451 33.0% $2673
$1,000 to $1,499 6,066 37.0% $3798
$1,500 or more 2,355 14.0% $5448

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

Coverage ($) Deductible ($) Age of home Company Average homeowners insurance premium ($)
150000250NewFirst American Ins334
200000500NewCSAA Ins Exch555
200000500NewWestern Mutual/Residence409
5000002500NewStillwater Prop & Cas Co595
7500002500NewGeneral Ins776
7500002500NewStillwater Ins Co784
1500002501-3 YearsUniversal North America384
1500005001-3 YearsAmica Mutual520
2000005001-3 YearsGeneral Ins326
2000005001-3 YearsKemper491
3000005001-3 YearsAmerican Modern937
3000005001-3 YearsIDS Property Casualty788
75000025001-3 YearsAmerican Reliable1246
1500005004-6 YearsCSE Safeguard500
25000010004-6 YearsPacific Specialty624
3000005004-6 YearsPrivilege Underwriters Exch1695
40000010004-6 YearsIntegon/National799
75000025004-6 YearsMercury Ins Group750
75000025004-6 YearsNationwide1777
2000005007-15 YearsForemost Insurance807
25000010007-15 YearsUniversal North America598
3000005007-15 YearsSafeco943
50000010007-15 YearsState Farm1423

Rancho Cordova, CA Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Yearly Rancho Cordova Homeowner Insurance Premium Example $500$300
Out of Pocket Expense During Claim$1,200$2,200
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $5,200$4,600
Net Savings to Rancho Cordova Home Owner from High Deductible Plan $600

Rancho Cordova, CA Home Insurance Costs With Home Replacement Value Scenarios

Scenario Rancho Cordova, CA Home Replacement Value MORE than Home Value Rancho Cordova, CA Home Replacement Value LESS than Home Value
Replacement Value $347,500 $244,000
Insurance Premium based on Replacement Value $975 $675
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $69,000 Risk Exposure from Under Insuring Coverage is $34,500
Premium Impact Insurance cheaper by $100/year Insurance costlier by $200/year

Example Rancho Cordova Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Nationwide InsuranceFarmers InsuranceAmica Mutual Insurance Company
Monthly Premium 405967
Year Built 196220131972
Home Details 3 Beds, 2 Baths4 Beds, 1 Baths5 Beds, 1 Baths
Coverage Amount $175000-$200000$350000-$400000$400000-$500000
Deductible $2500-$5000 Deductible$2500-$5000 Deductible> $10,000 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1994 285,000 Tile Roof 2,040 4 $5000 to $10,000 Deductible 500 12 Stucco siding yes
1991 330,000 Slate Shingles Roof 2,560 5 $5000 to $10,000 Deductible 540 12 Stone Siding No
1966 240,000 Composition Roof 2,080 3 $5000 to $10,000 Deductible 150 5 Stucco siding No
1988 380,000 Tile Roof 3,250 4 $1000-$2500 Deductible 480 7 Stucco siding yes
1988 500,000 Membrane Roof 4,670 5 > $10,000 Deductible 160 3 Fiber-Cement Siding No
1973 350,000 Composition Roof 2,550 4 > $10,000 Deductible 460 9 Vinyl siding yes
2011 305,000 Shingles Roof 2,120 5 > $10,000 Deductible 520 10 Brick siding No
1968 285,000 Composition Roof 2,290 3 $500 Deductible 580 8 Stone Siding yes
1980 505,000 Wood Shake Roof 4,990 5 $500 Deductible 640 5 Stucco siding yes
1962 390,000 Tile Roof 3,250 4 $500 Deductible 750 10 Brick siding yes
1974 640,000 Metal Roof 4,850 5 $1000-$2500 Deductible 990 7 Brick siding No
1975 235,000 Asphalt Shingles Roof 2,300 5 $1000-$2500 Deductible 50 1 Wood siding No
1979 160,000 Metal Roof 1,500 3 $1000-$2500 Deductible 60 2 Stucco siding No
2013 500,000 Membrane Roof 4,710 5 $2500-$5000 Deductible 610 5 Stone Siding No
2014 240,000 Metal Roof 1,660 4 > $10,000 Deductible 160 4 Fiber-Cement Siding yes
2013 260,000 Tile Roof 1,990 3 $5000 to $10,000 Deductible 250 8 Wood siding yes
1978 580,000 Tile Roof 4,260 5 $1000-$2500 Deductible 330 2 Stucco siding yes
1975 230,000 Composition Roof 1,580 5 $5000 to $10,000 Deductible 230 8 Wood siding No
1973 510,000 Metal Roof 4,090 5 $2500-$5000 Deductible 640 6 Stone Siding No
1986 170,000 Composition Roof 1,440 3 $5000 to $10,000 Deductible 190 6 Stone Siding No
2013 230,000 Shingles Roof 1,760 4 > $10,000 Deductible 220 7 Vinyl siding yes
1994 250,000 Metal Roof 1,940 3 $1000-$2500 Deductible 250 5 Stone Siding yes
1980 180,000 Membrane Roof 1,650 3 $5000 to $10,000 Deductible 130 7 Wood siding yes
1986 200,000 Metal Roof 1,390 3 $500 Deductible 420 8 Wood siding yes
1994 190,000 Wood Shake Roof 1,420 3 $1000-$2500 Deductible 280 7 Brick siding yes
1974 180,000 Asphalt Shingles Roof 1,630 3 $500 Deductible 40 1 Stone Siding yes
1982 390,000 Metal Roof 3,110 5 > $10,000 Deductible 110 2 Stone Siding yes
1994 220,000 Metal Roof 1,620 3 $1000-$2500 Deductible 110 3 Fiber-Cement Siding No
1990 140,000 Slate Shingles Roof 1,380 3 $1000-$2500 Deductible 160 6 Stone Siding yes
1962 325,000 Shingles Roof 3,020 4 $2500-$5000 Deductible 670 9 Vinyl siding yes
1966 205,000 Membrane Roof 1,240 3 $2500-$5000 Deductible 190 3 Wood siding yes

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