Stockton Insurance Rates:

Stockton, CA homeowners insurance is approximately $505 to $684, about $42-$57/month. Our detailed analysis indicates shoppers can save upto $237 by getting many quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

State Farm
There are located right in my neighborhood and i am able to talk to my insurance agent quickly when i have an issue with my home.
Allstate
You would think a company that put so much time into advertising themselves would have better customer service. i spent almost 2 hours on hold in total (i had been hung up on multiple times)and after i got a hold of someone the problem was not resolved.
Metlife
It has been a very reliable insurance for over twenty years for us, no matter what damage we had happened to us.
State Farm
I don't use the app. However, I have used the website for initiate claims. Very easy process. Enter the info and a claims person will respond and send an adjuster out to the home. They then post all info on the website. Slick and easy.
State Farm
They don't contact me for additional services, which I like. They used to a lot, back when everything went through local agents. Like the quick response to claims. Never felt like they were trying to cheat me out of claim money. Actually, they've given me more than expected.
Allstate
If I had any questions they answered it promptly with very little time on hold. The person was very nice, polite and knew what he was talking about
Liberty Mutual
I don't really have too much communication about my insurance and that's fine. If nothing changes then I don't really need to hear from them.
Geico
I am currently satisfied; however, that could change if I ever have to file a claim and encounter an unpleasant situation like the company unwillingness to pay on time.
State Farm
I like the company's website because it offers separate policies for my home, life and both of my automobiles.
State Farm
I haven't really priced other companies so I don't know what their premiums are like. I assume that they are pretty similar to an equivalent amount of coverage. I'm satisfied with what I'm playing, though.
State Farm
The company is very competitive, they seem to be very caring and knowledgeable. Always answered in a timely manner. The price can't be beaten. I wouldn't think about changing companies at this point.
Esurance
when I arrive at my new home, I got some information about this counterplan that's mean I don"t need to go to see someone and I paid online I got my insurance set down it's very quick, a good point to save time. by now I don"t claim anything.
Nationwide
I honestly can't think of anything I don't like. My local agent is my go-to person and he has been fantastic. He makes Nationwide look like the best insurances company around, I have been with them for 24 years and plan to stay with them.
Allstate
I would like lower premiums, but I don't know anyone who wouldn't. The constant increase in premiums is annoying but it means they are keeping up with the increasing value of my home.
Farmer's Insurance
Not sure how good they are with claims services. I am intending on looking into them further and I might be changing.

Stockton, CA Homeowners Insurance By Home Value

Stockton, CA Home Value Total Homes % of Total Average Stockton, CA Homeowners Insurance
Less than $50,000 3,355 6.0% $83
$50,000 to $59,999 1,021 1.0% $178
$60,000 to $69,999 1,248 2.0% $225
$70,000 to $79,999 1,323 2.0% $261
$80,000 to $89,999 2,174 4.0% $297
$90,000 to $99,999 2,070 4.0% $332
$100,000 to $124,999 6,559 12.0% $380
$125,000 to $149,999 5,401 10.0% $481
$150,000 to $174,999 6,801 13.0% $564
$175,000 to $199,999 3,988 7.0% $653
$200,000 to $249,999 7,129 13.0% $790
$250,000 to $299,999 4,740 9.0% $962
$300,000 to $399,999 5,268 10.0% $1223

Top Home Insurance Agents Near Stockton, CA

Home Insurance Company Near Stockton, CA Homeowners Insurance Agency Near Stockton, CA Address
State Farm Dina Matteson 1440 E 2nd St Ste C, Benicia, CA, 94510-2846
Liberty Mutual Independent Gateway Professional Ins Svc 1990 ALAMO DR STE 1, VACAVILLE, CA, 95687
Travelers Kappel & Kappel Insurance Services Inc 412 MAIN ST, VACAVILLE, CA, 95688
Nationwide Bph Insurance And Financial Services Inc. 1620 35th Ave STE F, Sacramento, CA, 95822-3425
State Farm Brian Clark 2331 El Camino Ave, Sacramento, CA, 95821-5610

Stockton, 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
Country Club CDP, California $89 $118 $177
Lincoln Village CDP, California $89 $119 $179
Taft Mosswood CDP, California $89 $118 $177

Stockton, 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
Stockton, CA2.9%13.2%
Country Club3.54%14.29%
Lincoln Village3.01%12.06%
Taft Mosswood3.59%16.44%

Stockton Renters Insurance as a Percentage of Rent

Stockton Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 817 1.0% $803
$300 to $499 2,467 5.0% $1253
$500 to $749 10,176 21.0% $1928
$750 to $999 13,411 28.0% $2678
$1,000 to $1,499 14,401 30.0% $3803
$1,500 or more 6,266 13.0% $5453

Stockton, CA Homeowners Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
95219 $291,900 $620
95212 $232,500 $610
95209 $201,400 $600
95202 $187,500 $600
95207 $171,100 $600
95215 $166,500 $600
95203 $165,800 $600
95204 $156,600 $590
95206 $144,400 $590
95210 $131,600 $590
95205 $118,400 $590

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

Coverage ($) Deductible ($) Age of home Company Average homeowners insurance premium ($)
150000500NewAmerican Modern650
200000500NewHorace Mann365
2500001000NewUSAA510
250000500NewCSE Safeguard606
4000001000NewAmerican Security945
7500002500NewPrivilege Underwriters Exch2124
1500005001-3 YearsUnigard Group475
2000005001-3 YearsMAPFRE Group572
25000010001-3 YearsCalifornia Casualty549
50000010001-3 YearsFarmers (Fire Ins)1265
75000025001-3 YearsMAPFRE Group1412
1500002504-6 YearsChubb/Federal846
1500005004-6 YearsLiberty Ins Corp570
2000005004-6 YearsIntegon/National707
3000005004-6 YearsMercury Ins Group527
3000005004-6 YearsOregon Mutual897
40000010004-6 YearsAmco986
50000010004-6 YearsCalifornia Capital1109
50000025004-6 YearsEncompass1033
2000005007-15 YearsChubb/Federal1024
2000005007-15 YearsHomesite1019
25000010007-15 YearsCentury National816
2500005007-15 YearsGeneral Ins783

Stockton, CA Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$700$1,700
Yearly Stockton Homeowner Insurance Premium Example $500$300
Out of Pocket Expense During Claim$700$1,700
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $4,700$4,100
Net Savings to Stockton Home Owner from High Deductible Plan $600

Stockton, CA Home Insurance Costs With Home Replacement Value Scenarios

Scenario Stockton, CA Home Replacement Value MORE than Home Value Stockton, CA Home Replacement Value LESS than Home Value
Replacement Value $100,000 $65,000
Insurance Premium based on Replacement Value $250 $150
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $22,500 Risk Exposure from Under Insuring Coverage is $12,500
Premium Impact Insurance cheaper by $50/year Insurance costlier by $50/year

Example Stockton Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company State FarmAmica Mutual Insurance CompanyAllstate
Monthly Premium 363636
Year Built 196519882007
Home Details 4 Beds, 1 Baths2 Beds, 1 Baths3 Beds, 2 Baths
Coverage Amount $200000-$250000$125000-$150000$200000-$250000
Deductible $2500-$5000 Deductible$500- $1000 Deductible$5000 to $10,000 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1984 190,000 Wood Shake Roof 2,080 3 $500- $1000 Deductible 210 5 Wood siding yes
1985 180,000 Composition Roof 1,530 2 $500 Deductible 200 5 Wood siding yes
2005 195,000 Wood Shake Roof 1,700 4 $2500-$5000 Deductible 180 5 Stone Siding yes
1991 115,000 Tile Roof 1,440 2 $500- $1000 Deductible 20 1 Vinyl siding yes
1982 180,000 Asphalt Shingles Roof 1,600 5 $5000 to $10,000 Deductible 100 3 Vinyl siding yes
1978 220,000 Composition Roof 2,040 4 $500 Deductible 260 4 Stone Siding yes
2014 285,000 Slate Shingles Roof 3,110 4 $500- $1000 Deductible 70 1 Vinyl siding yes
1972 200,000 Asphalt Shingles Roof 1,960 4 > $10,000 Deductible 110 5 Stucco siding yes
1979 100,000 Composition Roof 960 2 $2500-$5000 Deductible 130 9 Wood siding No
1968 160,000 Metal Roof 1,850 4 $500 Deductible 40 1 Wood siding yes
1976 260,000 Metal Roof 2,740 5 $1000-$2500 Deductible 150 4 Vinyl siding No
1967 155,000 Composition Roof 1,610 3 $1000-$2500 Deductible 410 12 Brick siding yes
1973 150,000 Composition Roof 1,490 2 $500 Deductible 90 3 Stucco siding No
1961 245,000 Membrane Roof 3,090 4 $1000-$2500 Deductible 680 10 Stone Siding yes
1985 300,000 Metal Roof 3,180 4 $1000-$2500 Deductible 460 8 Stucco siding yes
2005 145,000 Slate Shingles Roof 1,520 2 $1000-$2500 Deductible 80 3 Stone Siding No
1994 155,000 Metal Roof 1,300 2 $500- $1000 Deductible 220 6 Stucco siding No
1960 225,000 Shingles Roof 2,210 3 $2500-$5000 Deductible 400 12 Fiber-Cement Siding yes
1967 270,000 Shingles Roof 2,475 4 $1000-$2500 Deductible 270 4 Vinyl siding yes