Santa Rosa Insurance Rates:

Santa Rosa, CA homeowners insurance is nearly $535 to $725, about $44-$60/month. Our comprehensive guide indicates shoppers can save as much as $251 by comparing different quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

State Farm
I would recommend it, because it has excellent customer service, good advisors, good facilities, the answers and management of home accidents has good coverage.
My local Allstate agent easily beat the price of my last home insurance company, and they keep finding ways to save me money. I will stick with Allstate.
I would definitaly recommend Geico for home insurance. I have been a customer for over 30 years and I do recommend this company with their customer service, prices, and being able to bundle car.
State Farm
I love my home insurance. It's the best around. Great quality and prices. I'm very satisfied and happy I'd definitely recommend it.
I honestly haven't gotten around to checking what other insurance companies have to offer. I would assume they are comparable to other companies.
I think the premium and deductable are high with any insurance company but that is to be expected. I don't think Geico is any worse that the other companies and may actually be a bit better.
State Farm
State farm is a company that's always on your side. they have so much to offer you, and their monthly payments are a breeze.
State Farm
I have to pay a super high deductible if i get in a wreck with my car or get in trouble.
State Farm
We had a home roof leak and state farm had an adjuster out here taking pictures and handling my claim. i received a decent check right away and i am so thankful it all worked out without hassle.
I was forced to talk to two different departments to get a name change done on my policy for my auto to make it match my own policy. This was something that they should have been able to do themselves after my initial request and not require me to call two different apartment to the same company and fill out silly paperwork
I wish that by choosing to use Allstate for both my auto and home insurance, they would offer better incentives or discounts.
State Farm
I don't like the premium price offered by the company, I feel that I am paying more than what I really should pay. This is the major factor for my dislike
State Farm
I like how large and well-regarded they are, how many agents and customer service locations they have, and their service. My experience with state farm has been generally positive.
Amica Mutual Insurance
Very fast and helpful. They assist you most of the time and they're very skilled guys.
State Farm
They have always been there from the beginning to answer any of my questions and to see that I have the correct policy for my needs. I have no complaints about them in the customer service department at all.
I like that my policy is decently priced compared to other quotes that I have gotten.
Liberty Mutual
I stay because like I said I think they are all pretty comparable, but there's nothing special about Liberty Mutual.
I have not had to file a claim with our homeowner's insurance with Allstate so I don't know how their response and resolution time will be.
Information is always available online or available on the monthly statement. The information is very clear and understandable. I have never had to call to find information that is always readily available
State Farm
The only issue I really have is if I try to go online to look at my coverage or do any research, I always have issues. They really need to update or even completely redesign the website. It is very glitchy and not user-friendly at all.
Farmer's Insurance
I recommend this insurance policy as you will have a team to walk you through and guide where necessary. It has online options that makes it accessible any time.
I like the kind overall, they have been very helpful and after the long period of time, my insurance has become much cheaper than when I originally bought it. I think customer service is fantastic and easy to contact.
Stillwater Insurance Group
I think the company overall has met all of my needs. my biggest complaint would be that they do not have their own mobile app and that their website is not as intuitive or easy to navigate as others. I think if they redid those than I would give them a 5-star review.
I guess they are all right. The last time I made a claim, I wish they would have told me not to clean up or take pictures as it would be needed. But the adjuster took a couple of days to get there and I needed to clean up the mess.

Santa Rosa, CA Homeowners Insurance By Home Value

Santa Rosa, CA Home Value Total Homes % of Total Average Santa Rosa, CA Homeowners Insurance
Less than $50,000 2,422 10.0% $37
$50,000 to $59,999 308 1.0% $81
$60,000 to $69,999 312 1.0% $100
$70,000 to $79,999 281 1.0% $119
$100,000 to $124,999 935 4.0% $176
$125,000 to $149,999 701 3.0% $220
$150,000 to $174,999 839 3.0% $257
$175,000 to $199,999 980 4.0% $301
$200,000 to $249,999 2,619 11.0% $358
$250,000 to $299,999 3,212 13.0% $440
$300,000 to $399,999 10,156 43.0% $559

Top Home Insurance Agents Near Santa Rosa, CA

Home Insurance Company Near Santa Rosa, CA Homeowners Insurance Agency Near Santa Rosa, CA Address
Travelers Anixter & Oser Inc 205 SAN MARIN DR, NOVATO, CA, 94945
Farmers Maria Messimer Lutcf 5375 Main St, Kelseyville, CA, 95451
Farmers Ray Horton 1250 45th St Ste 200, Emeryville, CA, 94608
State Farm Rick Wernick 1683 Novato Blvd, Novato, CA, 94947-3284
State Farm Thierry Hugand 1952 Union St Ste 1, San Francisco, CA, 94123-4226

Santa Rosa, CA Home Insurance Agents for Top Companies

Cost Of Homeowners Insurance By Street Near Santa Rosa, CA

Streets in Santa Rosa Area Homeowners Insurance Cost
Newbury Ct, Century Ct, Aussie Ave, Donna Dr, Middle Rincon Rd, Ahl Park Ct, Baird Rd, Benicia Dr, Alaska Dr, Filamina Pl$634
Twin Pillar Way, Doubles Dr, Knolls Hills Cir, Piezzi Ln, Solano Dr, Fitzpatrick Ct, Hazel St, Winchester Dr, Range Ave, Kilarney Ct$673
Clover Ct, Colorado Blvd, Brush Creek Ct, Trinity Dr, Tuft Rd, Kertsinger Rd, Meadow Dr, Richard Manor Dr, Tokay St, Waltzer Rd$640
Guenever Ln, Overlook Dr, Suffolk Dr, Cabernet Cir, Melbrook Way, Barnett St, Whitchurch Pl, Calistoga Rd, Cristwood Ct, The Pointe Pl$611
Havitur Way, Maywood Dr, Valley Oaks Ln, Boron Ave, Whitewood Dr, Taylor View Dr, Dempsey Pl, Juliet Dr, Arrowhead Dr, Yorkton Way$677
Giovannetti Rd, Roundelay Ln, Oak Knoll Dr, Codding Dr, Cross Ave, Arnica Way, Tranquility Ln, Talbot Ave, Arista Ln, Bobwhite Way$629
Ridley Ave, Eagle Ct, Jackrabbit Ct, Castlerock Ct, Kenwood Ln, Twilight Way, Elsa Dr, Jaine Ln, Heavy Ct, Boulder Point Pl$689
Field Stone Ct, de Meo St, Doyle Park Dr, Westover Ct, Ramsgate Ct, Wyoming Dr, Yucca St, Saint Mary Pl, Okelly Way, Red Oak Dr$642
Nordyke Ave, Poe Ct, Adrienne Way, Scrub Oak Ave, Cadence Way, Nighthawk Dr, Malibu Cir, Baggett Dr, Countryside Dr, la Paloma Ave$634
Forest Glen Way, Eton Ct, Sequoia Cir, Circle Ranch Rd, Rocky Point Way, Blue Sky Ln, St Olga Ct, Wood Ln, Riebli Rd, Harvest Ln$676

Santa Rosa, CA Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Santa Rosa$94 to $96
Rohnert Park$92

Santa Rosa, 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
Roseland CDP, California $92 $122 $183
Larkfield-Wikiup CDP, California $95 $127 $191
Fulton CDP, California $95 $127 $191

Santa Rosa, 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
Santa Rosa, CA2.3%10.5%
Rohnert Park2.42%8.97%

Santa Rosa Renters Insurance as a Percentage of Rent

Santa Rosa Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 462 1.0% $334
$200 to $299 553 1.0% $784
$300 to $499 687 2.0% $1234
$500 to $749 1,820 5.0% $1909
$750 to $999 5,609 17.0% $2659
$1,000 to $1,499 12,769 40.0% $3784
$1,500 or more 9,752 30.0% $5434

Average Cost Of Home Insurance By Company In Areas Nearby Santa Rosa For Different Scenarios

Coverage ($) Deductible ($) Age of home Company Average homeowners insurance premium ($)
15000025016-25 YearsHorace Mann P & C403
1500005001-3 YearsAmerican Modern568
1500005001-3 YearsPacific Specialty389
1500005001-3 YearsPrivilege Underwriters Exch660
1500005001-3 YearsUSAA302
1500005004-6 YearsCalifornia Casualty402
1500005007-15 YearsEncompass507
15000050026-40 YearsIntegon/National551
200000500NewForemost Insurance770
2000005004-6 YearsBankers Standard1516
20000050026-40 YearsStillwater Ins Co528
20000050041-70 YearsHorace Mann542
2500001000NewState Farm406
25000010004-6 YearsSafeco449
25000010004-6 YearsTokio Marine America229
25000010007-15 YearsAmica Mutual740
250000100016-25 YearsHorace Mann P & C622
250000100026-40 YearsHorace Mann582
250000100026-40 YearsStillwater Ins Co564
2500005001-3 YearsStillwater Prop & Cas Co498
25000050016-25 YearsIDS Property Casualty872

Santa Rosa, CA Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Yearly Santa Rosa Homeowner Insurance Premium Example $700$500
Out of Pocket Expense During Claim$1,800$2,800
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $7,400$6,800
Net Savings to Santa Rosa Home Owner from High Deductible Plan $600

Santa Rosa, CA Home Insurance Costs With Home Replacement Value Scenarios

Scenario Santa Rosa, CA Home Replacement Value MORE than Home Value Santa Rosa, CA Home Replacement Value LESS than Home Value
Replacement Value $548,000 $329,000
Insurance Premium based on Replacement Value $1,875 $1,125
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $92,500 Risk Exposure from Under Insuring Coverage is $126,500
Premium Impact Insurance cheaper by $450/year Insurance costlier by $300/year

Example Santa Rosa Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Liberty MutualState FarmGEICO Insurance
Monthly Premium 6215729
Year Built 199819742012
Home Details 4 Beds, 3 Baths5 Beds, 2 Baths2 Beds, 1 Baths
Coverage Amount $350000-$400000$600000-$700000$200000-$250000
Deductible $5000 to $10,000 Deductible$500 Deductible> $10,000 Deductible

Sample Home Insurance Rates for Santa Rosa, CA from Consumer Reviews & Surveys

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
2007 420,000 Asphalt Shingles Roof 2,730 4 $5000 to $10,000 Deductible 250 6 Brick siding yes
1992 595,000 Metal Roof 2,690 4 $500 Deductible 520 3 Wood siding yes
1987 650,000 Membrane Roof 3,140 5 $5000 to $10,000 Deductible 610 8 Stucco siding yes
2013 405,000 Asphalt Shingles Roof 1,830 4 > $10,000 Deductible 640 10 Brick siding No
1997 520,000 Slate Shingles Roof 3,150 5 $2500-$5000 Deductible 850 8 Fiber-Cement Siding No
1972 190,000 Metal Roof 1,050 2 $2500-$5000 Deductible 420 12 Stucco siding yes
1971 340,000 Metal Roof 1,760 3 $1000-$2500 Deductible 710 12 Vinyl siding No
1968 265,000 Tile Roof 1,240 3 > $10,000 Deductible 250 7 Fiber-Cement Siding yes
2004 300,000 Asphalt Shingles Roof 1,570 5 $2500-$5000 Deductible 150 3 Fiber-Cement Siding yes
2014 435,000 Asphalt Shingles Roof 1,950 3 $500 Deductible 910 9 Stone Siding yes
1970 320,000 Tile Roof 1,670 3 $500- $1000 Deductible 640 7 Stone Siding No
2013 530,000 Membrane Roof 3,160 4 $2500-$5000 Deductible 880 10 Stucco siding yes
1992 270,000 Membrane Roof 1,210 3 $500- $1000 Deductible 120 2 Wood siding No
1990 240,000 Membrane Roof 1,130 2 $5000 to $10,000 Deductible 360 9 Vinyl siding yes
2004 205,000 Tile Roof 1,310 2 $2500-$5000 Deductible 110 4 Brick siding No
2005 160,000 Metal Roof 980 2 $5000 to $10,000 Deductible 340 12 Stone Siding No
1993 735,000 Slate Shingles Roof 3,640 5 $500 Deductible 1940 12 Stucco siding yes
2008 255,000 Wood Shake Roof 1,300 3 $2500-$5000 Deductible 170 3 Stucco siding No
1998 340,000 Slate Shingles Roof 1,840 3 $2500-$5000 Deductible 190 3 Fiber-Cement Siding yes
2011 345,000 Shingles Roof 1,750 2 > $10,000 Deductible 680 10 Fiber-Cement Siding No
1989 485,000 Slate Shingles Roof 2,110 4 $500- $1000 Deductible 630 5 Vinyl siding yes
1989 1,110,000 Shingles Roof 4,970 5 $500- $1000 Deductible 520 2 Vinyl siding yes
2010 675,000 Wood Shake Roof 3,250 4 $1000-$2500 Deductible 390 3 Brick siding yes
1960 285,000 Shingles Roof 1,430 2 $5000 to $10,000 Deductible 290 7 Wood siding yes
2011 390,000 Metal Roof 2,460 5 > $10,000 Deductible 210 5 Brick siding yes
1964 680,000 Metal Roof 4,250 5 $500 Deductible 1300 8 Vinyl siding No
1997 515,000 Tile Roof 3,040 5 > $10,000 Deductible 710 10 Stucco siding No
2009 475,000 Composition Roof 2,150 4 $500- $1000 Deductible 150 2 Vinyl siding yes
1982 505,000 Asphalt Shingles Roof 2,240 4 $5000 to $10,000 Deductible 530 7 Brick siding No
1967 585,000 Composition Roof 1,847 4 $1000-$2500 Deductible 460 3 Stone Siding No

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