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.
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 |
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 |
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 |
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 |
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 |
Place | Home insurance as a % of housing cost for homes with mortgage | Home insurance as a % of housing cost for homes without mortgage |
---|---|---|
Roseville, CA | 2.2% | 10.1% |
Antelope | 2.65% | 11.29% |
Citrus Heights | 2.81% | 11.31% |
Foothill Farms | 3.18% | 12.47% |
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 |
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 |
Place | Savings For Senior Occupied Homes |
---|---|
Roseville | $92 to $95 |
Antelope | $90 |
Foothill Farms | $89 |
Loomis | $93 |
Coverage ($) | Deductible ($) | Age of home | Company | Average homeowners insurance premium ($) |
---|---|---|---|---|
150000 | 500 | New | MAPFRE Group | 303 |
150000 | 500 | New | Western Mutual/Residence | 319 |
250000 | 500 | New | Horace Mann P & C | 627 |
500000 | 2500 | New | Century National | 766 |
500000 | 2500 | New | Integon/National | 697 |
750000 | 2500 | New | Nationwide | 1216 |
150000 | 500 | 1-3 Years | American Reliable | 396 |
150000 | 500 | 1-3 Years | Bankers Standard | 1456 |
200000 | 500 | 1-3 Years | Amica Mutual | 632 |
300000 | 500 | 1-3 Years | CSE Safeguard | 669 |
500000 | 2500 | 1-3 Years | Century National | 859 |
500000 | 2500 | 1-3 Years | Unigard Group | 1037 |
750000 | 2500 | 1-3 Years | Liberty Ins Corp | 980 |
150000 | 250 | 4-6 Years | American Modern | 570 |
150000 | 500 | 4-6 Years | Metropolitan Direct | 365 |
200000 | 500 | 4-6 Years | AIG Prop Cas | 971 |
250000 | 1000 | 4-6 Years | Encompass | 572 |
300000 | 500 | 4-6 Years | Universal North America | 622 |
500000 | 1000 | 4-6 Years | MAPFRE Group | 1111 |
500000 | 1000 | 4-6 Years | State Farm | 1076 |
500000 | 2500 | 4-6 Years | AIG Prop Cas | 1696 |
200000 | 500 | 7-15 Years | Century National | 580 |
200000 | 500 | 7-15 Years | Grange | 499 |
250000 | 500 | 7-15 Years | California Capital | 672 |
Low Deductible | High 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 |
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 |
Insurance Company | Travelers | Liberty Mutual | GEICO Insurance |
Monthly Premium | 80 | 98 | 187 |
Year Built | 2005 | 1999 | 2011 |
Home Details | 3 Beds, 1 Baths | 4 Beds, 2 Baths | 5 Beds, 4 Baths |
Coverage Amount | $250000-$300000 | $500000-$600000 | $700000-$800000 |
Deductible | $500 Deductible | $5000 to $10,000 Deductible | $500- $1000 Deductible |