Redding Insurance Rates:

Redding, CA homeowners insurance is approximately $514 to $695, about $42-$57/month. Our all inclusive research reveals consumers can save as much as $242 by comparing different quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

My home insurance company offers similar protection to other companies. The deductibles and exclusions are standard of any insurance company in my state.
The deductibles are mostly reasonable though they seem high for some out of network doctor visits. Still, they are better then places like Kasier and their network of doctor's is larger.
Liberty Mutual
I experience with their customer service is limited, but I did call once. They were not able to accept the claim I was inquiring about, bu tthey did help point me in a proper direction.
State Farm
The agents and customer service representatives are knowledgeable and responsive. Every question, I have had they have responded.
I would recommend esurance as long as your looking for reasonable coverage in line with what most home owner's providers offer in terms of deductible and premiums paid upfront.
My deductible is $1000 I believe, but as I mentioned before, I have never had to file a claim before so I am not entirely certain. The premium is around $15 monthly with an extra fee at renewal of around $20.
Farmer's Insurance
Farmers is more expensive than two other companies that we looked at, but we decided to stick with Farmers. Once again, the customer support and service makes the difference for me. I know them and they know me.
Farmer's Insurance
When i purchased more homes and when i got additional cars, my rates remained the same throughout.
State Farm
I don't dislike anything about the company. I have nothing, but good things to say about State Farm. Would highly recommend.
Stillwater Insurance Group
I enjoy the ease of insuring with this company. how easy this insurance company made the home inspection is simply great.
State Farm
State farm offers a better premium than most other insurance companies that I have looked at recently.
The only part of the company I dislike is the automotive part and that has to do with the auto rates continually increasing. The homeowner part I have completely satisfied.
I recently was shopping around for other insurance and I found many other companies that had lower prices for the exact same coverage.
State Farm
The local agent has great customer service, however; the national company is awful. You have to call a call center and you get calls back from different individuals. One individual does not handle the claim from start to finish and they do not enter information/ read that information when they call you. You have to tell each person that calls you the entire story and all the details because every time they call, they know absolutely nothing about your case.
I would like to receive a check at the end of the year if I don't have to make a claim, some sort of reward would be nice.
When I call with questions, a call is answered quickly and they are able to answer my questions.
Liberty Mutual
There is absolutely nothing I dislike about them. I only gave them a 4 instead of a 5 because we never had to file a claim yet.
It takes a long time to get a hold of them. I'm on wait for hours sometimes. They get back to me in emails in an orderly fashion though.
I just wish that there more discounts that we could use to help offset the high expense if we bundle services or have more than one policy with the company. My previous company had many discounts available and I wish Allstate did too.
State Farm
I don't really have anything negative to say about State Farm Insurance, there was a billing issue once upon a time, however that situation was rectified and an explanation was given as to why the bill was messed up.
The one time I contacted them they were very helpful and took care of all my needs right away. The staff seemed to really care. I would give them 5 out of 5 for their service.
I would recommend for the cost effectiveness, customer service, and coverage details. I have used geico and ither private insurance and Geico provides the best bang for my buck!
Fremont Home Insurance
They offer great coverage, have the most experience in the industry, and have reasonable prices. They are very easy to do business with.
State Farm
We have been using State Farm for all of our Auto, Homeowners and Rental insurance needs. The customer service dept. has always been friendly, polite and knowledgeable. State Farm give me the best rate most of the time. and the pocket agent app can be improved.
State Farm
I like that I get multi-line discounts for having home and auto insurance policies.
They are only a phone call away for any questions or needs. They don't bug me with applying for upgrades Reasonable premiums are automatically deducted from my checking account.
Fremont Home Insurance
They have pretty generous coverage for what we are paying. for $1400 a year it will replace up to $525000 on our home. our home we recently purchased for $424000.

Redding, CA Homeowners Insurance By Home Value

Redding, CA Home Value Total Homes % of Total Average Redding, CA Homeowners Insurance
Less than $50,000 3,151 10.0% $60
$60,000 to $69,999 343 1.0% $163
$70,000 to $79,999 421 1.0% $187
$80,000 to $89,999 492 1.0% $217
$90,000 to $99,999 501 1.0% $242
$100,000 to $124,999 1,544 5.0% $278
$125,000 to $149,999 1,729 5.0% $350
$150,000 to $174,999 3,060 10.0% $417
$175,000 to $199,999 2,996 9.0% $477
$200,000 to $249,999 5,929 19.0% $580
$250,000 to $299,999 4,338 14.0% $707
$300,000 to $399,999 5,960 19.0% $901

Top Home Insurance Agents Near Redding, CA

Home Insurance Company Near Redding, CA Homeowners Insurance Agency Near Redding, CA Address
Farmers Kenneth "Ken" Kraft 2724 Churn Creek Rd, Redding, CA, 96002
Travelers Nor Cal Leavitt Insurance Services 850 REMOR ST, REDDING, CA, 96002
State Farm Tim Weatherson 550 Walnut St, Red Bluff, CA, 96080-3324
State Farm Travis Foster 1007 Dana Dr Ste B, Redding, CA, 96003-4036
NA Blunkall And Napier Insurance Brokers Po Box 279 , Red Bluff, CA, 96080

Redding, CA Home Insurance Agents for Top Companies

Cost Of Homeowners Insurance By Street Near Redding, CA

Streets in Redding Area Homeowners Insurance Cost
Lennox St, Bozeman St, Record Ln, Locust St, Fuzzy Ln, Orchard Estates Dr, Spruce St, Chardonnay Walk, Bourbon Ln, Regna Dr$601
Butte Summit Dr, Epping Ct, Ellis St, Hackett Ln, St Marks St, Shotwick Trl, Westside Rd, Clear Creek Rd, Hawley Rd, Palm Ave$600
Wayne Ln, Charron Ln, Carnegie Ct, Sands Ln, Midview Dr, Neenah Trl, Valentine Ln, Bridge St, Star Dr, Stonebriar Trl$596
Filaree Dr, Concord Ln, Grange St, Steele Dr, Oshea Way, Spring Gulch Rd, Aspen Glow Ln, Easter Ave, Toro Way, Mission de Oro Dr$603
Coleus Ct, Purple Way, Querner Rd, W Too Ln, Hidden Oaks Trl, Worton Ln, Eel Dr, Winchester Pl, Hillside Dr, Bonnett Ln$610
Pradera Dr, Wee Burn Ct, Colt Dr, Sunriver Ln, Trailview Ct, Echo Rd, Irving Rd, Montana Ave, Broken Branch Trl, Paris$593
Royal Oaks Dr, Silhouette Ln, Mark St, Market St, Regatta Ct, Melody Ln, Cascade Ct, Banjo Ln, Sheena Ln, Roesner Ave$614
Charolais Way, Moonstone Way, Bonhurst Dr, School St, Quartz Ct, Altura Ave, Dalyn Pl, Clover Creek St, River Valley Dr, Spinnaker Dr$616
Kacy Ct, Llano Dr, Abernathy Ln, Citizens Ln, Wendell Way, Lewis Ln, Pit St, Pendelton Ct, Bountiful Path, Pit Rd$608
Sandisle Dr, Babiarz Ct, Stillwater Rd, Pershing St, Meander Dr, Spanish Bay Dr, Merchant St, Alta Mesa Dr, Grand Ave, West Way$594

Redding, CA Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Redding$90 to $92
Palo Cedro$93

Redding, 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
Palo Cedro CDP, California $78 $103 $155
Keswick CDP, California $76 $101 $151
Shasta CDP, California $78 $103 $155

Redding, 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
Redding, CA3.1%11.9%
Palo Cedro2.43%9.67%

Redding Renters Insurance as a Percentage of Rent

Redding Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 607 2.0% $797
$300 to $499 1,340 6.0% $1247
$500 to $749 4,311 20.0% $1922
$750 to $999 5,210 25.0% $2672
$1,000 to $1,499 6,547 31.0% $3797
$1,500 or more 2,639 12.0% $5447

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

Coverage ($) Deductible ($) Age of home Company Average homeowners insurance premium ($)
2500001000NewBankers Standard1825
250000500NewPrivilege Underwriters Exch1743
5000001000NewMAPFRE Group993
5000001000NewPacific Property And Casualty539
5000002500NewFarmers (Fire Ins)1050
1500002501-3 YearsCalifornia Capital479
1500002501-3 YearsHartford (Sentinel)520
1500005001-3 YearsKemper489
2000005001-3 YearsWawanesa541
25000010001-3 YearsMAPFRE Group576
25000010001-3 YearsQBE (Balboa)601
40000010001-3 YearsUSAA830
50000010001-3 YearsCSAA Ins Exch1403
1500002504-6 YearsHartford (Sentinel)562
1500005004-6 YearsPrivilege Underwriters Exch1235
1500005004-6 YearsWestern Mutual/Residence469
2000005004-6 YearsAAA (Interinsurance Exchange)556
2000005004-6 YearsAIG Prop Cas1215
2000005004-6 YearsEncompass999
25000010004-6 YearsNationwide800
3000005004-6 YearsAmco922
3000005004-6 YearsTokio Marine America505

Redding, CA Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Yearly Redding Homeowner Insurance Premium Example $800$600
Out of Pocket Expense During Claim$1,600$2,600
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $8,000$7,400
Net Savings to Redding Home Owner from High Deductible Plan $600

Redding, CA Home Insurance Costs With Home Replacement Value Scenarios

Scenario Redding, CA Home Replacement Value MORE than Home Value Redding, CA Home Replacement Value LESS than Home Value
Replacement Value $208,000 $127,000
Insurance Premium based on Replacement Value $675 $400
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $38,000 Risk Exposure from Under Insuring Coverage is $43,000
Premium Impact Insurance cheaper by $150/year Insurance costlier by $125/year

Example Redding Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Chubb Group of InsuranceLiberty MutualNationwide Insurance
Monthly Premium 644881
Year Built 198719781990
Home Details 3 Beds, 1 Baths4 Beds, 3 Baths5 Beds, 2 Baths
Coverage Amount $250000-$300000$300000-$350000$500000-$600000
Deductible $1000-$2500 Deductible$2500-$5000 Deductible$5000 to $10,000 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1988 270,000 Metal Roof 2,360 3 $1000-$2500 Deductible 230 4 Fiber-Cement Siding yes
2009 360,000 Tile Roof 2,370 4 $5000 to $10,000 Deductible 400 6 Brick siding No
1965 260,000 Membrane Roof 1,710 3 $2500-$5000 Deductible 430 7 Fiber-Cement Siding No
1974 220,000 Membrane Roof 1,690 3 $5000 to $10,000 Deductible 40 1 Vinyl siding No
2006 280,000 Shingles Roof 1,890 3 $500- $1000 Deductible 590 10 Wood siding No
2009 220,000 Wood Shake Roof 2,150 4 $5000 to $10,000 Deductible 110 4 Brick siding No
1965 175,000 Tile Roof 1,280 3 $500 Deductible 310 8 Wood siding yes
1970 420,000 Asphalt Shingles Roof 3,310 5 $1000-$2500 Deductible 420 5 Brick siding No
1976 365,000 Tile Roof 2,940 4 $5000 to $10,000 Deductible 350 5 Fiber-Cement Siding yes
1971 285,000 Tile Roof 2,020 3 $5000 to $10,000 Deductible 50 1 Vinyl siding yes
1992 305,000 Asphalt Shingles Roof 2,840 4 $500- $1000 Deductible 280 4 Stucco siding No
1984 270,000 Tile Roof 2,300 3 $1000-$2500 Deductible 100 2 Brick siding No
1989 250,000 Membrane Roof 2,310 3 $500- $1000 Deductible 680 9 Stucco siding No
2008 220,000 Asphalt Shingles Roof 1,670 3 $2500-$5000 Deductible 250 6 Stucco siding yes
1981 525,000 Asphalt Shingles Roof 4,110 5 $5000 to $10,000 Deductible 920 9 Stucco siding No
1982 280,000 Asphalt Shingles Roof 1,950 4 $5000 to $10,000 Deductible 160 4 Stone Siding yes
1974 690,000 Wood Shake Roof 4,840 5 $1000-$2500 Deductible 550 4 Stone Siding yes
1989 190,000 Tile Roof 1,490 3 $500- $1000 Deductible 220 5 Fiber-Cement Siding yes
1961 200,000 Membrane Roof 1,940 3 $5000 to $10,000 Deductible 110 4 Stone Siding No
2006 475,000 Shingles Roof 4,390 5 > $10,000 Deductible 80 1 Vinyl siding No
1978 360,000 Slate Shingles Roof 3,030 4 $5000 to $10,000 Deductible 70 1 Stone Siding No
1964 220,000 Metal Roof 1,550 5 $500- $1000 Deductible 410 7 Stucco siding No
1999 340,000 Metal Roof 2,810 4 $500 Deductible 1000 12 Fiber-Cement Siding No
1971 260,000 Composition Roof 2,250 3 > $10,000 Deductible 410 10 Fiber-Cement Siding No
1976 305,000 Wood Shake Roof 2,240 4 $500- $1000 Deductible 70 1 Brick siding No
1971 470,000 Membrane Roof 3,120 4 $500- $1000 Deductible 400 4 Wood siding No
1965 200,000 Wood Shake Roof 1,760 3 $2500-$5000 Deductible 430 12 Wood siding No
1961 300,000 Slate Shingles Roof 2,170 3 $500 Deductible 620 7 Fiber-Cement Siding yes
1999 270,000 Wood Shake Roof 1,830 4 $500 Deductible 200 3 Vinyl siding No
1991 280,000 Metal Roof 2,240 4 $500 Deductible 290 5 Vinyl siding yes
1986 140,000 Asphalt Shingles Roof 1,013 2 $1000-$2500 Deductible 100 3 Wood siding yes

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