Sonoma Insurance Rates:

Sonoma, CA homeowners insurance is about $552 to $757, about $46-$63/month. Our comprehensive research shows customers can save upto $262 by getting different quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

Allstate
Overall they have been very good. Only time i had to call them was when were were initially interested in using them for insurance.They were very knowledgeable.
Farmer's Insurance
according to me premium and deductible of my policy compared to the other home insurance policies which offers one of the best company and provides good service and totally helpful and informative.
State Farm
I have had nothing but positive experiences with State Farm. The agent has always been responsive, and whenever I have had to file a claim, they were very helpful.
Metlife
Metlife has great customer service. every question i have had has been answered by someone in a quick manner. either by email or phone.
State Farm
I think that another big issue i am facing is that it is difficult to find a physical location that can help you at reasonable hours.
Allstate
Allstate is fast to action to take care of any problems that arise with my home, with one simple phone call.
Allstate
I called in after a furnace fire. They are very rude when it comes to making claims. Turned out I didn't need to make a claim the furnaces insurance covered it but they left me under claiming a file and now when I try and call to check prices for other insurance they tell me I am not available. So not too happy with them.
Geico
I am sure there are more affordable policies out there with better coverage. My current policy is lackluster at best.
Farmer's Insurance
They ultimately failed to communicate anything except the bill and even then the bill was emailed. The bill only had the amount due and nothing as to what it covered.
Encompass Insurance
We don't have too many bad things to say about them. I wish their app worked better than it does because it would be a lot easier to access my insurance information - especially my insurance cards or the like.
Allstate
Allstate have a good customer service. They are a very efficient company. They have integrity and are reliable. Their employees show respect and courtesy to clients.

Sonoma, CA Homeowners Insurance By Home Value

Sonoma, CA Home Value Total Homes % of Total Average Sonoma, CA Homeowners Insurance
Less than $50,000 688 20.0% $26
$50,000 to $59,999 76 2.0% $58
$60,000 to $69,999 41 1.0% $72
$70,000 to $79,999 75 2.0% $85
$80,000 to $89,999 66 2.0% $98
$90,000 to $99,999 71 2.0% $111
$100,000 to $124,999 176 5.0% $131
$150,000 to $174,999 121 3.0% $189
$175,000 to $199,999 65 1.0% $222
$200,000 to $249,999 302 9.0% $268
$250,000 to $299,999 370 11.0% $327
$300,000 to $399,999 1,211 36.0% $412

Top Home Insurance Agents Near Sonoma, CA

Home Insurance Company Near Sonoma, CA Homeowners Insurance Agency Near Sonoma, CA Address
Travelers Frank Crystal & Co Of California Inc 575 MARKET ST STE 1300, SAN FRANCISCO, CA, 94105
State Farm Gary Senneff 474 Larkfield Ctr, Santa Rosa, CA, 95403-1408
State Farm Gary Short 1425 Market Ln Ste F, Dixon, CA, 95620-4201
State Farm Joe Freund 1734 Divisadero St, San Francisco, CA, 94115-3012
State Farm Robin Aitken-Bullard 8465 Old Redwood Hwy Ste 500, Windsor, CA, 95492-8073

Sonoma, CA Home Insurance Agents for Top Companies


Cost Of Homeowners Insurance By Street Near Sonoma, CA

Streets in Sonoma Area Homeowners Insurance Cost
Sonoma Ridge Rd, Mariano Dr, St James Dr, Verde Vista Dr, Laurelbrook Ct, Brooklime, Keaton Ave, Meadow Dr, Junipero Serra Dr, Tuscany Pl$643
Happy Ln, Hillcrest Ave, Casabella, Barracchi Way, Carnation Ct, Este Madera Dr, Nicolini Rd, Benicia Way, Joaquin Dr, Leveroni Rd$695
Cooper St, Adobe Canyon Rd, Maple Glen Ranch Rd, Quail Run Way, Orange Ave, Murray Dr, Fetters Ave, Amherst Cir, Barcelona Dr, Felder Rd$672
St Jean Ct, Lyon St, Fremont Dr, Hill Rd, E Napa St, Mountain Ave, Maldonado Ave, Legs Ln, E 7 Flags Cir, Napa Rd$655
Hemlock Ave, W Macarthur St, Madison Dr, Mocabee Rd, de Chene Ave, Fine Ave, Cavedale Rd, Hatpat Ln, Madrid Way, Nash St$654

Sonoma, CA Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Sonoma$97 to $99
Temelec$93
El Verano$97
Boyes Hot Springs$94

Sonoma, 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
Temelec CDP, California $78 $103 $155
El Verano CDP, California $81 $108 $162
Boyes Hot Springs CDP, California $79 $105 $158

Sonoma, 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
Sonoma, CA2.0%9.7%
Temelec3.33%8.28%
El Verano2.05%10.95%
Boyes Hot Springs2.72%8.94%

Sonoma Renters Insurance as a Percentage of Rent

Sonoma Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 80 1.0% $770
$300 to $499 185 2.0% $1220
$500 to $749 462 7.0% $1895
$750 to $999 868 13.0% $2645
$1,000 to $1,499 2,626 42.0% $3770
$1,500 or more 1,998 32.0% $5420

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

Coverage ($) Deductible ($) Age of home Company Average homeowners insurance premium ($)
1500002501-3 YearsOregon Mutual380
15000025016-25 YearsHorace Mann355
15000025026-40 YearsHorace Mann P & C403
1500005001-3 YearsEncompass407
1500005001-3 YearsOregon Mutual346
1500005007-15 YearsMetropolitan Direct903
200000500NewForemost Insurance770
200000500NewHorace Mann351
2000005007-15 YearsUSAA487
20000050016-25 YearsStillwater Ins Co511
2500001000NewWawanesa564
25000010001-3 YearsStillwater Prop & Cas Co436
25000010007-15 YearsIDS Property Casualty627
250000100016-25 YearsTravelers547
250000100026-40 YearsMAPFRE Group514
250000100041-70 YearsCentury National1998
250000100041-70 YearsIntegon/National764
250000100041-70 YearsUSAA560
250000500NewMetropolitan Direct921
2500005001-3 YearsIDS Property Casualty522
2500005007-15 YearsPacific Specialty626
300000500NewPrivilege Underwriters Exch1218

Sonoma, CA Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$600$1,600
Yearly Sonoma Homeowner Insurance Premium Example $1,100$900
Out of Pocket Expense During Claim$600$1,600
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $9,400$8,800
Net Savings to Sonoma Home Owner from High Deductible Plan $600

Sonoma, CA Home Insurance Costs With Home Replacement Value Scenarios

Scenario Sonoma, CA Home Replacement Value MORE than Home Value Sonoma, CA Home Replacement Value LESS than Home Value
Replacement Value $681,500 $437,500
Insurance Premium based on Replacement Value $1,975 $1,275
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $116,500 Risk Exposure from Under Insuring Coverage is $127,500
Premium Impact Insurance cheaper by $375/year Insurance costlier by $325/year

Example Sonoma Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company AllstateChubb Group of InsuranceAmica Mutual Insurance Company
Monthly Premium 653065
Year Built 194719821969
Home Details 2 Beds, 1 Baths3 Beds, 2 Baths4 Beds, 3 Baths
Coverage Amount $200000-$250000$250000-$300000$400000-$500000
Deductible $500 Deductible> $10,000 Deductible> $10,000 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
2001 740,000 Wood Shake Roof 2,510 4 $2500-$5000 Deductible 470 3 Wood siding yes
1995 600,000 Composition Roof 2,120 3 $2500-$5000 Deductible 560 5 Stone Siding No
1978 640,000 Shingles Roof 3,090 4 > $10,000 Deductible 670 8 Stucco siding No
1979 405,000 Wood Shake Roof 1,790 2 $500 Deductible 680 5 Fiber-Cement Siding No
2004 615,000 Shingles Roof 2,620 4 $500 Deductible 1810 12 Vinyl siding No
2000 305,000 Membrane Roof 1,250 3 $500- $1000 Deductible 280 5 Brick siding yes
2008 460,000 Wood Shake Roof 1,500 3 $500 Deductible 980 9 Stone Siding yes
2008 380,000 Wood Shake Roof 1,680 3 $2500-$5000 Deductible 680 8 Wood siding No
1981 455,000 Membrane Roof 2,200 3 $500 Deductible 860 7 Wood siding yes
2003 535,000 Metal Roof 1,740 4 $500 Deductible 670 6 Wood siding No
2002 740,000 Wood Shake Roof 2,940 4 $1000-$2500 Deductible 580 4 Stone Siding No
1977 255,000 Shingles Roof 1,100 2 $500- $1000 Deductible 120 2 Fiber-Cement Siding No
1948 230,000 Asphalt Shingles Roof 1,020 2 $5000 to $10,000 Deductible 320 8 Stucco siding yes
1995 555,000 Shingles Roof 2,250 3 > $10,000 Deductible 910 12 Brick siding No
1990 1,015,000 Slate Shingles Roof 3,380 4 $2500-$5000 Deductible 1280 6 Vinyl siding yes
2001 575,000 Wood Shake Roof 1,860 3 $1000-$2500 Deductible 1520 12 Vinyl siding No
1993 470,000 Slate Shingles Roof 1,770 3 $2500-$5000 Deductible 200 2 Stucco siding yes
1947 490,000 Asphalt Shingles Roof 1,940 4 $500 Deductible 610 6 Fiber-Cement Siding yes
1949 460,000 Shingles Roof 1,600 2 $500 Deductible 860 7 Wood siding yes
1961 425,000 Wood Shake Roof 1,780 2 $500- $1000 Deductible 620 7 Fiber-Cement Siding yes
1940 600,000 Composition Roof 2,090 3 $2500-$5000 Deductible 580 7 Stucco siding yes
1997 670,000 Composition Roof 2,290 4 $5000 to $10,000 Deductible 590 6 Wood siding No
1963 280,000 Metal Roof 1,110 2 $500- $1000 Deductible 60 1 Vinyl siding yes
2001 330,000 Asphalt Shingles Roof 1,570 3 $5000 to $10,000 Deductible 530 10 Wood siding yes
1998 375,000 Membrane Roof 1,750 2 $500 Deductible 210 2 Vinyl siding yes
1978 605,000 Metal Roof 2,150 3 > $10,000 Deductible 470 5 Stucco siding yes
1966 395,000 Shingles Roof 1,820 4 $5000 to $10,000 Deductible 300 5 Brick siding yes
1992 530,000 Membrane Roof 2,210 4 $2500-$5000 Deductible 940 10 Vinyl siding yes
1993 265,000 Wood Shake Roof 990 2 $5000 to $10,000 Deductible 240 5 Wood siding yes
2000 625,000 Metal Roof 2,600 4 > $10,000 Deductible 500 7 Vinyl siding No
1972 650,000 Composition Roof 2,920 4 $2500-$5000 Deductible 340 3 Stucco siding yes
2006 345,000 Membrane Roof 1,610 2 > $10,000 Deductible 520 7 Stucco siding yes
2009 380,000 Composition Roof 1,790 2 $1000-$2500 Deductible 450 8 Wood siding yes
1969 595,000 Tile Roof 2,110 4 $1000-$2500 Deductible 1450 10 Stucco siding yes

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