Sacramento Insurance Rates:

Sacramento ,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 Sacramento, 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 Sacramento, CA is $1327. Enter your zipcode below and click “GO” to get multiple free quotes.

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


Sacramento, CA Homeowners Insurance Rates by Coverage Level

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

Coverage Level Average Annual Premium
$100,000 $531
$200,000 $902
$300,000 $1,115
$400,000 $1,699
$500,000 $2,136


Sacramento, CA Homeowners Insurance Rates by ZIP Code

Home insurance costs in Sacramento 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
095830 $1,356
95864 $1,316
95816 $1,313
95819 $1,314
95818 $1,319
95837 $1,407
95831 $1,280
95814 $1,293
95829 $1,267
95835 $1,272
95821 $1,255
95817 $1,255
95822 $1,250
95825 $1,245
95834 $1,264
95826 $1,249
95833 $1,249
95841 $1,240
95827 $1,244
95820 $1,242
95832 $1,242
95842 $1,235
95828 $1,240
95823 $1,234
95838 $1,232
95815 $1,226
95824 $1,225


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

Deductible Level Average Annual Premium
$500 Deductible $1,361
$1000 Deductible $1,217
$1500 Deductible $1,148
$2500 Deductible $1,035
$5000 Deductible $876



Top Home Insurance Agents Near Sacramento, CA

Home Insurance Company Near Sacramento, CA Homeowners Insurance Agency Near Sacramento, CA Address
Travelers Atlantic Bay Insurance Services Llc 1321 HOWE AVE STE 111, SACRAMENTO, CA, 95825
Farmers Harlan Maita 7311 Greenhaven Dr Ste 170, Sacramento, CA, 95831
Allstate Jeff Macdonald 2197 Main St, Oakley, CA, 94561
Liberty Mutual Independent Pacific Interstate Ins Brokers 5072 HILLSDALE CIR STE 110, EL DORADO HILLS, CA, 95762
Farmers Tommie Romo 5250 Claremont Ave # 243, Stockton, CA, 95207

Sacramento, CA Home Insurance Agents for Top Companies


Sacramento, 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
Fruitridge Pocket CDP, California $89 $118 $177
Lemon Hill CDP, California $87 $116 $174
Parkway CDP, California $89 $118 $177


Sacramento, 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
Sacramento, CA2.7%11.8%
Fruitridge Pocket3.3%15.15%
Lemon Hill4.01%13.19%

Sacramento Renters Insurance as a Percentage of Rent

Sacramento Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 4,268 2.0% $796
$300 to $499 5,648 3.0% $1246
$500 to $749 26,539 15.0% $1921
$750 to $999 52,078 29.0% $2671
$1,000 to $1,499 59,206 33.0% $3796
$1,500 or more 27,215 15.0% $5446

Cost Of Homeowners Insurance By Street Near Sacramento, CA

Streets in Sacramento Area Homeowners Insurance Cost
Ortega St, Michael Way, Park Ridge Ct, Blossom Ct, Cresent Valley Ct, Rensselaer Way, Salix Way, Bowmont Way, Heritage Park Ct, Valenda Ct$595
Blackrock Dr, Landaker Ct, Woodwright Way, Claire Dr, Woodrow Way, Cavalier Way, Howerton Dr, Dahlia Dr, Deer Run Way, Linn Way$623
Foothill Garden Ct, Chestnut Ave, Doss Way, Decathalon Cir, N B St, Ellen Rose Ct, Kimsue Ct, W Withington Ave, High Point Ln, Beloit Dr$602
McLin Way, Camino Place Ct, St Martin Ct, Dawson Way, Cadman Ct, Boyce Dr, Gulf of Haifa Ave, Ydra Ct, College View Way, Debbie Ln$590
Buster Ct, Izzy Way, Varsity Ct, Chuckwagon Dr, W 2nd St, Giarre Way, Red Pine Ct, Beaver Tail Ct, Water Glen Cir, Woodgreen Ct$601
Raffia Ct, Jaden Ln, Quail Haven Ln, Pow Way, Millner Way, Shurwin Ln, Hale Ct, Maple Ln, Leatha Way, Fobes Dr$600
Cornerstone Way, Smokey Leaf Ct, Durango Ct, Deer Grove Ct, Laramore Way, Adorn Ct, Maybelline Way, del Campo Ln, Sophia Way, Van Dyce Way$594
Koster Way, Lauffer Way, Mission Beach Ct, Barrett Rd, Elwell Ct, Mousetail Ct, Pasture Ct, Hing Ave, Liama Creek Way, Munroe St$606
Bartig Way, New Era Ct, Larkin Way, Riverpine Ct, Los Cerros Dr, Butterwood Cir, Jefferson Ave, Kymper Ct, G Pkwy, Park Ave$613
Component Way, Kahara Ct, Calument St, Acacia Woods Ct, Spyglass Ln, Goldenland Ct, Ermina Dr, Calgary Ave, Potter Ln, Devon Ln$593

Sacramento, CA Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Sacramento$90 to $92
Fruitridge Pocket$88
Lemon Hill$87


Sacramento, CA Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Yearly Sacramento Homeowner Insurance Premium Example $500$300
Out of Pocket Expense During Claim$1,700$2,700
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $5,700$5,100
Net Savings to Sacramento Home Owner from High Deductible Plan $600


Sacramento, CA Home Insurance Costs With Home Replacement Value Scenarios

Scenario Sacramento, CA Home Replacement Value MORE than Home Value Sacramento, CA Home Replacement Value LESS than Home Value
Replacement Value $221,000 $141,500
Insurance Premium based on Replacement Value $550 $350
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $42,500 Risk Exposure from Under Insuring Coverage is $37,000
Premium Impact Insurance cheaper by $100/year Insurance costlier by $100/year


Example Sacramento Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Farmers InsuranceChubb Group of InsuranceNationwide Insurance
Monthly Premium 615948
Year Built 199419732012
Home Details 5 Beds, 2 Baths2 Beds, 1 Baths4 Beds, 1 Baths
Coverage Amount $300000-$350000$250000-$300000$200000-$250000
Deductible $500- $1000 Deductible$2500-$5000 Deductible$500 Deductible