Rancho Cordova ,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 Rancho Cordova, 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 Rancho Cordova, CA is $1324. Enter your zipcode below and click “GO” to get multiple free quotes.
It is important to understand the different coverage options available in Rancho Cordova, CA. VHome Insurance will help you navigate the world of homeowners insurance coverages in Rancho Cordova, CA.
| Coverage Level | Average Annual Premium |
|---|---|
| $100,000 | $530 |
| $200,000 | $900 |
| $300,000 | $1,112 |
| $400,000 | $1,695 |
| $500,000 | $2,132 |
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 Rancho Cordova, CA, and how to choose the right one for your needs.
| Deductible Level | Average Annual Premium |
|---|---|
| $500 Deductible | $1,357 |
| $1000 Deductible | $1,214 |
| $1500 Deductible | $1,145 |
| $2500 Deductible | $1,033 |
| $5000 Deductible | $874 |
| 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 |
| 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 |
| Place | Home insurance as a % of housing cost for homes with mortgage | Home insurance as a % of housing cost for homes without mortgage |
|---|---|---|
| Rancho Cordova, CA | 2.7% | 11.6% |
| Mather | 2.26% | 9.07% |
| Gold River | 2.13% | 7.62% |
| Fair Oaks | 2.31% | 9.58% |
| 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 |
| 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 |
| Place | Savings For Senior Occupied Homes |
|---|---|
| Rancho Cordova | $90 to $92 |
| Mather | $91 |
| Gold River | $94 |
| La Riviera | $90 |
| Coverage ($) | Deductible ($) | Age of home | Company | Average homeowners insurance premium ($) |
|---|---|---|---|---|
| 150000 | 250 | New | First American Ins | 334 |
| 200000 | 500 | New | CSAA Ins Exch | 555 |
| 200000 | 500 | New | Western Mutual/Residence | 409 |
| 500000 | 2500 | New | Stillwater Prop & Cas Co | 595 |
| 750000 | 2500 | New | General Ins | 776 |
| 750000 | 2500 | New | Stillwater Ins Co | 784 |
| 150000 | 250 | 1-3 Years | Universal North America | 384 |
| 150000 | 500 | 1-3 Years | Amica Mutual | 520 |
| 200000 | 500 | 1-3 Years | General Ins | 326 |
| 200000 | 500 | 1-3 Years | Kemper | 491 |
| 300000 | 500 | 1-3 Years | American Modern | 937 |
| 300000 | 500 | 1-3 Years | IDS Property Casualty | 788 |
| 750000 | 2500 | 1-3 Years | American Reliable | 1246 |
| 150000 | 500 | 4-6 Years | CSE Safeguard | 500 |
| 250000 | 1000 | 4-6 Years | Pacific Specialty | 624 |
| 300000 | 500 | 4-6 Years | Privilege Underwriters Exch | 1695 |
| 400000 | 1000 | 4-6 Years | Integon/National | 799 |
| 750000 | 2500 | 4-6 Years | Mercury Ins Group | 750 |
| 750000 | 2500 | 4-6 Years | Nationwide | 1777 |
| 200000 | 500 | 7-15 Years | Foremost Insurance | 807 |
| 250000 | 1000 | 7-15 Years | Universal North America | 598 |
| 300000 | 500 | 7-15 Years | Safeco | 943 |
| 500000 | 1000 | 7-15 Years | State Farm | 1423 |
| Low Deductible | High Deductible | |
|---|---|---|
| Deductible | $1,200 | $2,200 |
| 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 | |
| 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 |
| Insurance Company | Nationwide Insurance | Farmers Insurance | Amica Mutual Insurance Company |
| Monthly Premium | 40 | 59 | 67 |
| Year Built | 1962 | 2013 | 1972 |
| Home Details | 3 Beds, 2 Baths | 4 Beds, 1 Baths | 5 Beds, 1 Baths |
| Coverage Amount | $175000-$200000 | $350000-$400000 | $400000-$500000 |
| Deductible | $2500-$5000 Deductible | $2500-$5000 Deductible | > $10,000 Deductible |