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 Insurance
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.

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

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
Roseland$91
Larkfield-Wikiup$95
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%
Roseland2.99%13.74%
Larkfield-Wikiup1.9%9.85%
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
250000500NewSafeco366
2500005001-3 YearsStillwater Prop & Cas Co498
25000050016-25 YearsIDS Property Casualty872

Santa Rosa, CA Home Insurance Costs With Deductible Scenario

Low DeductibleHigh 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

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
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