Sacramento County, CA homeowners insurance is roughly $516 to $698, about $43-$58/month. Our extensive analysis shows customers can save upto $242 by getting multiple quotes. Enter your zipcode below and click “GO” to get multiple free quotes.
Sacramento County is one of the original counties of California, where around 3% of the total area is covered with water. Sacramento County has a massive threat of a flood emergency as it shares its western border with the Sacramento River and other watercourses like the American River, Dry Creek, and Cosumnes River. Therefore, the residents need to secure their investment to avoid colossal loss. The best way to ensure is by availing homeowners insurance in Sacramento County, CA. The average cost of homeowners insurance in Sacramento County, CA is $804.
Here, the cost of home insurance in Sacramento County may differ from property to property basis. The insurance cost is fixed after considering certain factors, including the coverage type, deductible, age of the house, or the material used to build your home. VHome's research reveals special discounts that will help you save a few bucks.
Discounts Based on Deductibles
A deductible is the portion of coverage that the policyholder has to pay from his own pockets. Once the policyholder files a claim and meets their deductible, the insurance company pays the leftover balance up to their policy limit.
VHome's research found that homeowners in Sacramento County can reduce their home insurance costs by opting for a higher deductible.
Deductible for homeowners insurance in Sacramento County may range from $577.27 to $794.35, depending on the preferred deductible opted by the policyholder. Homeowners in Sacramento County paying a high deductible of $2500 can avail of home insurance for $577.27, whereas homeowners paying a deductible of $1500 and $2000 can avail of home insurance for $676.49 and $614.1, respectively.
Below is the summary of home insurance costs for different deductibles in Sacramento County, CA.
Discount based on the Age of the Home
The age of the home plays a significant role in determining the cost of home insurance. As homes age, so do the systems and materials that make up your home, making your home more vulnerable to property damage or structural problems.
Homes with 40 or 50 years in Sacramento County pay a premium of $825 and $835, respectively. On the other hand, newly built homes are less prone to damage, and home insurance companies offer considerable discounts to newly constructed homes. For instance, newly built homes in Sacramento County can avail lower insurance of $620.
Discount based on the Materials Used
Materials used to construct the house plays a significant role in determining the insurance premium amount. Homes built using sturdy materials have a minor threat to damage. Hence, home insurance companies offer considerable discounts to homes built using damage-resistant materials.
For instance, homes built with fire resistive brick are offered at a premium of $691.44 in Sacramento County, whereas homes built with Masonry and Brick are offered at a premium of $763.8. Thus, the premium charged will be higher if you use low-quality materials to construct your house.
|Sacramento County, CA Home Value||Total Homes||% of Total||Average Sacramento County, CA Homeowners Insurance|
|Less than $50,000||11,945||5.0%||$60|
|$70,000 to $79,999||2,930||1.0%||$182|
|$80,000 to $89,999||4,237||1.0%||$206|
|$90,000 to $99,999||3,872||1.0%||$230|
|$100,000 to $124,999||14,777||6.0%||$267|
|$125,000 to $149,999||15,660||6.0%||$333|
|$150,000 to $174,999||25,144||10.0%||$394|
|$175,000 to $199,999||20,761||8.0%||$455|
|$200,000 to $249,999||44,607||18.0%||$546|
|$250,000 to $299,999||38,920||16.0%||$667|
|$300,000 to $399,999||51,955||21.0%||$849|
|Home Insurance Company Near Sacramento County, CA||Homeowners Insurance Agency Near Sacramento County, CA||Address|
|Liberty Mutual||Christina Hannon||201 Sand Creek Road Ste A - Bldg 1, Brentwood, CA, 94513|
|Allstate||Curtis Chandler||8788 Elk Grove Blvd Bldg 1k, Elk Grove, CA, 95624|
|Travelers||Divide Insurance Agency||10235 FAIR OAKS BLVD STE 202, FAIR OAKS, CA, 95628|
|Liberty Mutual Independent||Gateway Professional Ins Svc||1990 Alamo Dr #1 Vacaville, Fairfield, CA, 95687|
|State Farm||Jim Lanter||314 G St, Antioch, CA, 94509-1255|
|Streets in Sacramento County Area||Homeowners Insurance Cost|
|Van Ruiten Ln, Springmont Dr, Law Ct, Elwyn Ave, Jim Casebolt Way, Hanoverian Cir, Azimuth Ln, W C St, Lockford Way, Beutler Dr||$599|
|Le Parc Ct, Mossy Bank Dr, New Point Dr, Wreyford Ct, Idaho Dr, Newfound Way, Cleland Ct, E Southgate Dr, Satinwood Way, Tawana Dome Way||$608|
|Boxelder Cir, Strong Ave, Lido Cir, Passiflora Ln, Sunrock Dr, Prairie Dawn Way, Briar Creek Ct, Elvora Way, Eden View Dr, Reecemar Ave||$608|
|Long River Dr, Seaside Ct, Refuge Hollow Way, Chandeaux Ln, Oakhollow Dr, Parkridge Rd, Parsons Ct, Patricks Ln, Ramwood Way, Town and Country Mhp||$609|
|W Lake Dr, Waterton Way, Madrid Way, Itasca Ave, Loganberry Ct, Testerman Way, Sunrise East Way, Levendi Ln, Arabis Ct, Lark Ave||$597|
|Thousand Oaks Ct, Big Arrow Ct, Red Elk Dr, el Ricon Way, Sloboda Ave, Fenceline Ct, Windubey Cir, Strickland Dr, Frankwood Dr, Alorn Ln||$649|
|Damascas Dr, Coral Gables Ct, Deerhaven Way, Stoneman Dr, Creekridge Ln, N Beach Pl, Soaring Hawk Ln, Grayling Way, Jennieke Ct, Pennelope Ct||$601|
|Valiant Way, Mist Ct, Dawson Way, Boothbay Ct, 65th Ave, Darrell Dr, Hayden Way, Summer Sands Ct, Portola Way, Pine Acre Ct||$589|
|Mill Stream Ct, Santa Ana Ave, Sage River Cir, Creek Crest Cir, Tricia Way, Aurelius Way, Somersworth Dr, Raffia Ct, Ostrander Ct, Durfee Way||$616|
|Quiggle Rd, Foxpark Ct, Ruby Crest Ct, Lesnar Way, Chimango Ct, Birch St, Ellenbrook Dr, Bartig Way, Wyatt Ln, Dickson St||$591|
|Place||Savings For Senior Occupied Homes|
|Sacramento County||$91 to $93|
|Place||1 Car Bundle Savings On Insurance||2 Car Bundle Savings On Insurance||3 Car Bundle Savings On Insurance|
|Vineyard CDP, California||$77||$102||$153|
|Elk Grove city, California||$76||$101||$152|
|Florin 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|
|Sacramento County, CA||2.6%||11.6%|
|Sacramento County Home By Monthly Rent||Total Homes||% of Total||Estimated Monthly Income To Afford Rented House Including Renters Insurance|
|$200 to $299||4,813||2.0%||$796|
|$300 to $499||6,387||3.0%||$1246|
|$500 to $749||29,378||13.0%||$1921|
|$750 to $999||59,938||28.0%||$2671|
|$1,000 to $1,499||72,579||34.0%||$3796|
|$1,500 or more||36,362||17.0%||$5446|
|Coverage ($)||Deductible ($)||Age of home||Company||Average homeowners insurance premium ($)|
|250000||1000||New||Universal North America||320|
|150000||250||1-3 Years||QBE (Balboa)||512|
|150000||500||1-3 Years||QBE (Balboa)||480|
|250000||500||1-3 Years||Foremost Insurance||881|
|250000||1000||4-6 Years||State Farm||539|
|250000||500||4-6 Years||Bankers Standard||1747|
|300000||500||4-6 Years||Unigard Group||1000|
|400000||1000||4-6 Years||IDS Property Casualty||1093|
|750000||2500||4-6 Years||First American Ins||1255|
|750000||2500||4-6 Years||Pacific Specialty||1558|
|150000||250||7-15 Years||Metropolitan Direct||487|
|150000||500||7-15 Years||Universal North America||486|
|200000||500||7-15 Years||Pacific Specialty||609|