Sacramento, CA Home Insurance - Analysis On Quotes, Rates & Agents
Sacramento Insurance Rates:
Sacramento, CA homeowners insurance is approximately $515 to $696, about $42-$58/month. Our complete analysis shows customers can save as much as $242 by comparing different quotes. Enter your zipcode below and click “GO” to get multiple free quotes.
Latest Home Insurance Reviews
I find the website fairly easy to use most of the time. Sometimes it can be a bit tricky finding what I need but I eventually get there.
They are professional. They are courteous. They are helpful. They have an easy to use website. I would recommend them.
I guess it is okay, but I don't really know that much about it. I don't really know that much about other insurance companies either.
I am not sure that about other insurance companies but State Farm is loyal to me and I really don't have any complaints about my premium.
I think it's extremely easy to navigate, which is all I care about.
I really can't think anything to be negative about
I like that it is a small local agency and that they have personalized service. I like that I can speak with a local person who understands my needs.
so far I really haven't had anything to complain about other than the stupid jingle that they play on the radio occasionally but that's not important
The premium is great, and the customer service also is. I can't complain, because I've never had another insurance company, but can bet this one is right up there with the rest of them.
I don't like the high premium and I do not like the customer service we receive from our agent's customer service ladies. It seems they do not know their job well enough to be helping customers over the phone.
I like the company because they follow through for me and supply me with excellent service and have very good communication.
I think Allstate is an honest company that offers good services. It has been a pleasure working with them through our difficult time.
They were able to explain everything so that it was easy to understand and gave estimates based on other companies rates.
They don't have a physical office you can go speak to someone face to face. it is all online
I like the fact that the company is located in my area. it is important that i am able to go in person.
I wish rates were cheaper and didn't increase each year, but I think that's common with most insurance companies so I guess it's just the way it goes. Based on my overall experience with Allstate, I would recommend them to people looking for good insurance at pretty reasonable prices.
I do not like having to wait to speak with a representative. I also do not like getting the runaround when speaking to one person, and having to explain the issue to someone else.
Sacramento, CA Homeowners Insurance By Home Value
|Sacramento, CA Home Value||Total Homes||% of Total||Average Sacramento, CA Homeowners Insurance|
|Less than $50,000||9,097||5.0%||$60|
|$70,000 to $79,999||2,445||1.0%||$181|
|$80,000 to $89,999||3,840||2.0%||$212|
|$90,000 to $99,999||3,169||1.0%||$236|
|$100,000 to $124,999||12,456||6.0%||$272|
|$125,000 to $149,999||12,413||6.0%||$339|
|$150,000 to $174,999||18,867||10.0%||$406|
|$175,000 to $199,999||15,234||8.0%||$466|
|$200,000 to $249,999||32,422||18.0%||$563|
|$250,000 to $299,999||28,469||15.0%||$684|
|$300,000 to $399,999||36,905||20.0%||$872|
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|
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
|Place||Savings For Senior Occupied Homes|
|Sacramento||$90 to $92|
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
|Place||Home insurance as a % of housing cost for homes with mortgage||Home insurance as a % of housing cost for homes without mortgage|
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|
Sacramento, CA Homeowners Insurance by Zip Code
|Zip Code||Median Home Value||Median Homeowners Insurance|
Sacramento, CA Home Insurance Costs With Deductible Scenario
|Low Deductible||High 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|
|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 Insurance||Chubb Group of Insurance||Nationwide Insurance|
|Home Details||5 Beds, 2 Baths||2 Beds, 1 Baths||4 Beds, 1 Baths|
|Deductible||$500- $1000 Deductible||$2500-$5000 Deductible||$500 Deductible|
Sample Home Insurance Rates for Sacramento, CA from Consumer Reviews & Surveys
|Year Built||Home Value||Roof Type||Sqft||Number of Bedrooms||Deductible||Premium||Premium Months||Siding Type||Smoker/Non Smoker|
|2012||180,000||Slate Shingles Roof||1,600||4||$5000 to $10,000 Deductible||400||12||Fiber-Cement Siding||yes|
|1998||195,000||Shingles Roof||1,850||5||$1000-$2500 Deductible||150||4||Brick siding||No|
|1982||195,000||Wood Shake Roof||1,290||2||$500- $1000 Deductible||50||1||Stone Siding||No|
|1976||335,000||Slate Shingles Roof||2,680||4||$500- $1000 Deductible||490||8||Wood siding||No|
|1980||240,000||Composition Roof||2,040||4||> $10,000 Deductible||90||2||Fiber-Cement Siding||yes|
|1963||230,000||Composition Roof||1,690||2||$2500-$5000 Deductible||180||5||Vinyl siding||No|
|1967||150,000||Composition Roof||1,310||3||$5000 to $10,000 Deductible||210||10||Stone Siding||No|
|1969||345,000||Metal Roof||2,540||5||$2500-$5000 Deductible||530||8||Stucco siding||yes|
|1999||420,000||Membrane Roof||2,730||4||$500 Deductible||510||5||Stone Siding||yes|
|2010||200,000||Composition Roof||1,640||2||$5000 to $10,000 Deductible||210||5||Stucco siding||No|
|1978||190,000||Membrane Roof||1,650||2||$2500-$5000 Deductible||300||8||Vinyl siding||No|
|1963||215,000||Wood Shake Roof||1,780||3||$500 Deductible||360||8||Wood siding||yes|
|1995||200,000||Asphalt Shingles Roof||1,810||3||$500- $1000 Deductible||150||3||Stone Siding||No|
|1995||405,000||Metal Roof||2,660||4||$2500-$5000 Deductible||320||4||Stucco siding||yes|
|2007||615,000||Composition Roof||4,500||5||$2500-$5000 Deductible||460||4||Fiber-Cement Siding||No|
|2012||240,000||Membrane Roof||2,140||5||$500- $1000 Deductible||740||10||Stucco siding||yes|
|1999||320,000||Wood Shake Roof||2,090||5||> $10,000 Deductible||460||10||Vinyl siding||yes|
|2014||540,000||Composition Roof||3,630||5||$2500-$5000 Deductible||260||3||Brick siding||yes|
|2012||275,000||Composition Roof||2,000||4||$1000-$2500 Deductible||670||12||Fiber-Cement Siding||yes|
|1970||220,000||Membrane Roof||1,860||4||$500- $1000 Deductible||280||5||Brick siding||No|
|2005||260,000||Wood Shake Roof||1,680||5||$2500-$5000 Deductible||510||10||Fiber-Cement Siding||yes|
|1979||170,000||Membrane Roof||1,290||2||$5000 to $10,000 Deductible||210||7||Fiber-Cement Siding||yes|
|1976||210,000||Tile Roof||1,990||5||$1000-$2500 Deductible||170||3||Vinyl siding||yes|
|1996||140,000||Membrane Roof||1,030||2||$500- $1000 Deductible||30||1||Fiber-Cement Siding||No|
|1970||180,000||Metal Roof||908||2||$500- $1000 Deductible||530||10||Wood siding||yes|