Redding ,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 Redding, 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 Redding, CA is $1304. Enter your zipcode below and click “GO” to get multiple free quotes.
It is important to understand the different coverage options available in Redding, CA. VHome Insurance will help you navigate the world of homeowners insurance coverages in Redding, CA.
| Coverage Level | Average Annual Premium |
|---|---|
| $100,000 | $522 |
| $200,000 | $887 |
| $300,000 | $1,095 |
| $400,000 | $1,669 |
| $500,000 | $2,099 |
Home insurance costs in Redding can vary greatly based on location. The frequency of claims in your area can affect the cost of your policy. Simply put, the location of your home can significantly impact your homeowners insurance premium.
| Zipcode | Average Insurance Premium |
|---|---|
| 096001 | $1,242 |
| 96003 | $1,238 |
| 96002 | $1,233 |
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 Redding, CA, and how to choose the right one for your needs.
| Deductible Level | Average Annual Premium |
|---|---|
| $500 Deductible | $1,337 |
| $1000 Deductible | $1,196 |
| $1500 Deductible | $1,128 |
| $2500 Deductible | $1,017 |
| $5000 Deductible | $861 |
| 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 |
| 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 |
| Place | Home insurance as a % of housing cost for homes with mortgage | Home insurance as a % of housing cost for homes without mortgage |
|---|---|---|
| Redding, CA | 3.1% | 11.9% |
| Palo Cedro | 2.43% | 9.67% |
| Keswick | 3.27% | 9.48% |
| Shasta | 2.46% | 10.29% |
| 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 |
| 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 |
| Place | Savings For Senior Occupied Homes |
|---|---|
| Redding | $90 to $92 |
| Palo Cedro | $93 |
| Keswick | $90 |
| Anderson | $88 |
| Coverage ($) | Deductible ($) | Age of home | Company | Average homeowners insurance premium ($) |
|---|---|---|---|---|
| 250000 | 1000 | New | Bankers Standard | 1825 |
| 250000 | 500 | New | Privilege Underwriters Exch | 1743 |
| 500000 | 1000 | New | MAPFRE Group | 993 |
| 500000 | 1000 | New | Pacific Property And Casualty | 539 |
| 500000 | 1000 | New | Safeco | 1005 |
| 500000 | 2500 | New | Farmers (Fire Ins) | 1050 |
| 150000 | 250 | 1-3 Years | California Capital | 479 |
| 150000 | 250 | 1-3 Years | Hartford (Sentinel) | 520 |
| 150000 | 500 | 1-3 Years | Kemper | 489 |
| 200000 | 500 | 1-3 Years | Wawanesa | 541 |
| 250000 | 1000 | 1-3 Years | MAPFRE Group | 576 |
| 250000 | 1000 | 1-3 Years | QBE (Balboa) | 601 |
| 400000 | 1000 | 1-3 Years | USAA | 830 |
| 500000 | 1000 | 1-3 Years | CSAA Ins Exch | 1403 |
| 150000 | 250 | 4-6 Years | Hartford (Sentinel) | 562 |
| 150000 | 500 | 4-6 Years | Privilege Underwriters Exch | 1235 |
| 150000 | 500 | 4-6 Years | Western Mutual/Residence | 469 |
| 200000 | 500 | 4-6 Years | AAA (Interinsurance Exchange) | 556 |
| 200000 | 500 | 4-6 Years | AIG Prop Cas | 1215 |
| 200000 | 500 | 4-6 Years | Encompass | 999 |
| 250000 | 1000 | 4-6 Years | Nationwide | 800 |
| 300000 | 500 | 4-6 Years | Amco | 922 |
| 300000 | 500 | 4-6 Years | Tokio Marine America | 505 |
| Low Deductible | High Deductible | |
|---|---|---|
| Deductible | $1,600 | $2,600 |
| 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 | |
| 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 |
| Insurance Company | Chubb Group of Insurance | Liberty Mutual | Nationwide Insurance |
| Monthly Premium | 64 | 48 | 81 |
| Year Built | 1987 | 1978 | 1990 |
| Home Details | 3 Beds, 1 Baths | 4 Beds, 3 Baths | 5 Beds, 2 Baths |
| Coverage Amount | $250000-$300000 | $300000-$350000 | $500000-$600000 |
| Deductible | $1000-$2500 Deductible | $2500-$5000 Deductible | $5000 to $10,000 Deductible |