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.
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 |
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 |
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 |
| 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 |
| 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 |
| Place | Home insurance as a % of housing cost for homes with mortgage | Home insurance as a % of housing cost for homes without mortgage |
|---|---|---|
| Sacramento, CA | 2.7% | 11.8% |
| Fruitridge Pocket | 3.3% | 15.15% |
| Lemon Hill | 4.01% | 13.19% |
| Parkway | 3.56% | 12.18% |
| 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 |
| 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 |
| Place | Savings For Senior Occupied Homes |
|---|---|
| Sacramento | $90 to $92 |
| Fruitridge Pocket | $88 |
| Lemon Hill | $87 |
| Rosemont | $89 |
| Low Deductible | High Deductible | |
|---|---|---|
| Deductible | $1,700 | $2,700 |
| 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 | |
| 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 |
| Insurance Company | Farmers Insurance | Chubb Group of Insurance | Nationwide Insurance |
| Monthly Premium | 61 | 59 | 48 |
| Year Built | 1994 | 1973 | 2012 |
| Home Details | 5 Beds, 2 Baths | 2 Beds, 1 Baths | 4 Beds, 1 Baths |
| Coverage Amount | $300000-$350000 | $250000-$300000 | $200000-$250000 |
| Deductible | $500- $1000 Deductible | $2500-$5000 Deductible | $500 Deductible |