Roseville Insurance Rates:

Roseville ,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 Roseville, 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 Roseville, CA is $1354. Enter your zipcode below and click “GO” to get multiple free quotes.

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Home Insurance Companies in Roseville, CA: Customer-Reviewed Options

 

Roseville, CA Homeowners Insurance Rates by Coverage Level

It is important to understand the different coverage options available in Roseville, CA. VHome Insurance will help you navigate the world of homeowners insurance coverages in Roseville, CA.

Coverage Level Average Annual Premium
$100,000 $542
$200,000 $921
$300,000 $1,137
$400,000 $1,733
$500,000 $2,180

 

Roseville, CA Homeowners Insurance Rates by ZIP Code

Home insurance costs in Roseville 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
095661 $1,294
95747 $1,292
95678 $1,266

 

Roseville, CA Homeowners Insurance Deductibles

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 Roseville, CA, and how to choose the right one for your needs.

Deductible Level Average Annual Premium
$500 Deductible $1,388
$1000 Deductible $1,242
$1500 Deductible $1,171
$2500 Deductible $1,056
$5000 Deductible $894

 

 


Top Home Insurance Agents Near Roseville, CA

Home Insurance Company Near Roseville, CA Homeowners Insurance Agency Near Roseville, CA Address
Liberty Mutual Independent Abram Interstate Ins Svcs Inc 2211 PLAZA DR STE 100, ROCKLIN, CA, 95765
State Farm Brian Clark 2331 El Camino Ave, Sacramento, CA, 95821-5600
Farmers David Israel 4815 LAGUNA PARK DR STE A, Elk Grove, CA, 95758
Farmers Diana Hart 1111 High St Ste B, Auburn, CA, 95603
Allstate Nick Bullard 8146 Greenback Ln Ste 101, Fair Oaks, CA, 95628

Roseville, CA Home Insurance Agents for Top Companies

 

Roseville, 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
Antelope CDP, California $75 $100 $150
Citrus Heights city, California $75 $100 $150
Foothill Farms CDP, California $74 $99 $148

 


Roseville, 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
Roseville, CA2.2%10.1%
Antelope2.65%11.29%
Citrus Heights2.81%11.31%
Foothill Farms3.18%12.47%

Roseville Renters Insurance as a Percentage of Rent

Roseville Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$500 to $749 1,038 6.0% $1914
$750 to $999 2,837 18.0% $2664
$1,000 to $1,499 6,263 41.0% $3789
$1,500 or more 4,705 31.0% $5439

Cost Of Homeowners Insurance By Street Near Roseville, CA

Streets in Roseville Area Homeowners Insurance Cost
Wemberly Dr, Dahlia Ct, Hamilton Ct, Chip Shot Way, Waterlily Ct, Aberdeen Ct, Rippling Way, Striped Moss Ct, Stoffels Way, Keely Dr$625
Pitcher Ct, Harding Blvd, Vinewood Ave, Filmore Ct, Vineyard Rd, Deerfield Cir, Atherton Rd, Sharon Way, Almond St, Anderson Dr$609
Rainhill Loop, Spahn Ranch Rd, Mc Mindes Dr, Stockwood Dr, Saddlebag Ct, Strongbox Ct, Gladstone Ct, Henderson Ct, Savonna Ct, Evergreen Dr$627
Neighbor Ln, Melway Dr, Bridle Ct, Duncan Way, Longview Dr, Mustang Ct, Loretto Dr, Sunningdale Dr, Thistle Down Dr, Logan Ct$630
Niles Ave, Lead Hill Blvd, Richards Dr, Mayfair Dr, Frensham Dr, Santa Fe Cir, Lansdowne Way, Carneilian Dr, Kensington Dr, Tradewinds Dr$608
Talon Reach Ct, Kilpatrick Way, Wellspring Ct, Buckingham Ct, Hallissey Dr, Old Auburn Rd, Woodgrove Way, Shadowbrook Dr, Perrara Ct, Hummingbird Way$672
Braithwaite St, Cymbeline St, Switchman Dr, Walnut St, Oakdale Ct, Lone Tree Ct, Oakfield Ct, Tanya Way, Mariposa Ave, Hutley Ct$616
Osprey Ct, Five Star Blvd, Paddock Ct, Trimstone Ct, Miners Way, Fielding Ct, Zinnia Way, Mineral Springs Dr, Hearthside Way, Hiawatha Dr$623
Elmwood Ct, Hwy 65, Auburn Blvd, Donald Way, del Rd, Spanish Bay Way, Malta Dr, Tenby Ct, Boardwalk Dr, Belle Rose Cir$622
Franklin St, Formby Ct, Garden Park Dr, Cleveland Ct, Oaktree Dr, Irene Ave, Parkham Dr, Benton Loop, Whiteclover Ln, Clydesdale Way$618

Roseville, CA Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Roseville$92 to $95
Antelope$90
Foothill Farms$89
Loomis$93

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

Coverage ($) Deductible ($) Age of home Company Average homeowners insurance premium ($)
150000500NewMAPFRE Group303
150000500NewWestern Mutual/Residence319
250000500NewHorace Mann P & C627
5000002500NewCentury National766
5000002500NewIntegon/National697
7500002500NewNationwide1216
1500005001-3 YearsAmerican Reliable396
1500005001-3 YearsBankers Standard1456
2000005001-3 YearsAmica Mutual632
3000005001-3 YearsCSE Safeguard669
50000025001-3 YearsCentury National859
50000025001-3 YearsUnigard Group1037
75000025001-3 YearsLiberty Ins Corp980
1500002504-6 YearsAmerican Modern570
1500005004-6 YearsMetropolitan Direct365
2000005004-6 YearsAIG Prop Cas971
25000010004-6 YearsEncompass572
3000005004-6 YearsUniversal North America622
50000010004-6 YearsMAPFRE Group1111
50000010004-6 YearsState Farm1076
50000025004-6 YearsAIG Prop Cas1696
2000005007-15 YearsCentury National580
2000005007-15 YearsGrange499
2500005007-15 YearsCalifornia Capital672

 


Roseville, CA Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$900$3,900
Yearly Roseville Homeowner Insurance Premium Example $1,300$800
Out of Pocket Expense During Claim$900$3,900
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $11,300$10,300
Net Savings to Roseville Home Owner from High Deductible Plan $1,000

 


Roseville, CA Home Insurance Costs With Home Replacement Value Scenarios

Scenario Roseville, CA Home Replacement Value MORE than Home Value Roseville, CA Home Replacement Value LESS than Home Value
Replacement Value $354,000 $253,000
Insurance Premium based on Replacement Value $1,125 $800
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $28,000 Risk Exposure from Under Insuring Coverage is $73,000
Premium Impact Insurance cheaper by $225/year Insurance costlier by $100/year

 


Example Roseville Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company TravelersLiberty MutualGEICO Insurance
Monthly Premium 8098187
Year Built 200519992011
Home Details 3 Beds, 1 Baths4 Beds, 2 Baths5 Beds, 4 Baths
Coverage Amount $250000-$300000$500000-$600000$700000-$800000
Deductible $500 Deductible$5000 to $10,000 Deductible$500- $1000 Deductible