Santa Rosa ,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 Santa Rosa, 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 Santa Rosa, CA is $1379. Enter your zipcode below and click “GO” to get multiple free quotes.
It is important to understand the different coverage options available in Santa Rosa, CA. VHome Insurance will help you navigate the world of homeowners insurance coverages in Santa Rosa, CA.
| Coverage Level | Average Annual Premium |
|---|---|
| $100,000 | $552 |
| $200,000 | $938 |
| $300,000 | $1,158 |
| $400,000 | $1,765 |
| $500,000 | $2,220 |
Home insurance costs in Santa Rosa 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 |
|---|---|
| 095404 | $1,331 |
| 95409 | $1,321 |
| 95405 | $1,317 |
| 95403 | $1,303 |
| 95401 | $1,292 |
| 95407 | $1,285 |
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 Santa Rosa, CA, and how to choose the right one for your needs.
| Deductible Level | Average Annual Premium |
|---|---|
| $500 Deductible | $1,414 |
| $1000 Deductible | $1,265 |
| $1500 Deductible | $1,193 |
| $2500 Deductible | $1,076 |
| $5000 Deductible | $910 |
| Home Insurance Company Near Santa Rosa, CA | Homeowners Insurance Agency Near Santa Rosa, CA | Address |
|---|---|---|
| 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 |
| Travelers | Anixter & Oser Inc | 205 SAN MARIN DR, NOVATO, CA, 94945 |
| Farmers | Maria Messimer Lutcf | 5375 Main St, Kelseyville, CA, 95451 |
| 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 |
| Place | Home insurance as a % of housing cost for homes with mortgage | Home insurance as a % of housing cost for homes without mortgage |
|---|---|---|
| Santa Rosa, CA | 2.3% | 10.5% |
| Roseland | 2.99% | 13.74% |
| Larkfield-Wikiup | 1.9% | 9.85% |
| Rohnert Park | 2.42% | 8.97% |
| 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 |
| 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 |
| Place | Savings For Senior Occupied Homes |
|---|---|
| Santa Rosa | $94 to $96 |
| Roseland | $91 |
| Larkfield-Wikiup | $95 |
| Rohnert Park | $92 |
| Coverage ($) | Deductible ($) | Age of home | Company | Average homeowners insurance premium ($) |
|---|---|---|---|---|
| 150000 | 250 | 16-25 Years | Horace Mann P & C | 403 |
| 150000 | 500 | 1-3 Years | American Modern | 568 |
| 150000 | 500 | 1-3 Years | Pacific Specialty | 389 |
| 150000 | 500 | 1-3 Years | Privilege Underwriters Exch | 660 |
| 150000 | 500 | 1-3 Years | USAA | 302 |
| 150000 | 500 | 4-6 Years | California Casualty | 402 |
| 150000 | 500 | 7-15 Years | Encompass | 507 |
| 150000 | 500 | 26-40 Years | Integon/National | 551 |
| 200000 | 500 | New | Foremost Insurance | 770 |
| 200000 | 500 | 4-6 Years | Bankers Standard | 1516 |
| 200000 | 500 | 26-40 Years | Stillwater Ins Co | 528 |
| 200000 | 500 | 41-70 Years | Horace Mann | 542 |
| 250000 | 1000 | New | State Farm | 406 |
| 250000 | 1000 | 4-6 Years | Safeco | 449 |
| 250000 | 1000 | 4-6 Years | Tokio Marine America | 229 |
| 250000 | 1000 | 7-15 Years | Amica Mutual | 740 |
| 250000 | 1000 | 16-25 Years | Horace Mann P & C | 622 |
| 250000 | 1000 | 26-40 Years | Horace Mann | 582 |
| 250000 | 1000 | 26-40 Years | Stillwater Ins Co | 564 |
| 250000 | 500 | New | Safeco | 366 |
| 250000 | 500 | 1-3 Years | Stillwater Prop & Cas Co | 498 |
| 250000 | 500 | 16-25 Years | IDS Property Casualty | 872 |
| Low Deductible | High Deductible | |
|---|---|---|
| Deductible | $1,800 | $2,800 |
| 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 | |
| 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 |
| Insurance Company | Liberty Mutual | State Farm | GEICO Insurance |
| Monthly Premium | 62 | 157 | 29 |
| Year Built | 1998 | 1974 | 2012 |
| Home Details | 4 Beds, 3 Baths | 5 Beds, 2 Baths | 2 Beds, 1 Baths |
| Coverage Amount | $350000-$400000 | $600000-$700000 | $200000-$250000 |
| Deductible | $5000 to $10,000 Deductible | $500 Deductible | > $10,000 Deductible |