Tracy ,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 Tracy, 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 Tracy, CA is $. Enter your zipcode below and click “GO” to get multiple free quotes.
| Home Insurance Company Near Tracy, CA | Homeowners Insurance Agency Near Tracy, CA | Address |
|---|---|---|
| State Farm | Al Ward | 4546 El Camino Real Ste B4, Los Altos, CA, 94022-1069 |
| Farmers | Arnold Respicio Lutcf | 2333 W March Ln Ste C1, Stockton, CA, 95207 |
| State Farm | Charlie Brown | 1600 Sunrise Ave, Modesto, CA, 95350 |
| State Farm | Richard Lawrence | 1015 Sperry Ave Ste E, Patterson, CA, 95363-9268 |
| Place | 1 Car Bundle Savings On Insurance | 2 Car Bundle Savings On Insurance | 3 Car Bundle Savings On Insurance |
|---|---|---|---|
| Mountain House CDP, California | $93 | $124 | $186 |
| Lathrop city, California | $89 | $119 | $179 |
| Patterson CCD, Stanislaus County, California | $89 | $119 | $179 |
| Place | Home insurance as a % of housing cost for homes with mortgage | Home insurance as a % of housing cost for homes without mortgage |
|---|---|---|
| Tracy, CA | 2.0% | 11.2% |
| Mountain House | 1.74% | 6.12% |
| Lathrop | 2.5% | 11.86% |
| Patterson | 2.49% | 11.83% |
| Tracy Home By Monthly Rent | Total Homes | % of Total | Estimated Monthly Income To Afford Rented House Including Renters Insurance |
|---|---|---|---|
| $200 to $299 | 134 | 1.0% | $792 |
| $300 to $499 | 247 | 2.0% | $1242 |
| $500 to $749 | 648 | 6.0% | $1917 |
| $750 to $999 | 942 | 10.0% | $2667 |
| $1,000 to $1,499 | 3,034 | 32.0% | $3792 |
| $1,500 or more | 4,280 | 45.0% | $5442 |
| Streets in Tracy Area | Homeowners Insurance Cost |
|---|---|
| Saddlebrook Dr, S Treehouse Ln, Pombo Square Dr, Amable St, Gomes Ct, Tioga Dr, Ontario Dr, Meredith Ct, Loreto Ct, Pedro Ln | $629 |
| Naglee Rd, Belle Ct, Cabana Ct, Juan Jose Ln, Wagner Ct, Nancy Amelia Ct, Bates Ct, Daniel Ave, Eagle St, Juniper Rd | $626 |
| Redbrdge Rd, Tennis Ln, Wood Thrush Ln, Madison Ave, Eastlake Cir, Cancion Ave, Renaissance Dr, Henderson Ct, Penny Ln, Westwood Dr | $612 |
| Claremont Dr, Southbrook Ct, Betty Ln, Glenbriar Cir, Famoso Ln, Whitney Ct, Beech Ave, Justice Ct, Shady Ct, Mount Pellier St | $613 |
| Carbona Ct, Dover Ln, Thomas Ave, Harvest Landing Ct, McLeod Ave, Peacock Ct, Tranquilidad St, Brett Ave, Phillip Ct, Cherry Blossom Ln | $624 |
| Maurland Ln, Cortadillo St, Ormonde Ct, Glacier St, Lourence Dr, Blossom Ln, Bethell Ct, Kristoff Ct, Wilbanks Ln, Ashlee Ct | $627 |
| Fundy Ct, Thicket Ln, E Cordes Ct, Mary Ct, Lloyd C Gary Dr, Rockingham Ct, Springwood Ct, Holtspur Ct, el Portal St, Bonsai Ave | $612 |
| Hoboken Dr, Alpine Way, Ridgeview Ct, Frank Blondin Ln, Olivia Ln, Alene Ave, Tennis Ct, Los Padres Dr, W Willow Creek Dr, Raven St | $613 |
| Tracey Jean Dr, 21st St, Gomes Dr, Surrey Dr, S Faulkner St, Billy F Freeman Ln, W Bonaventure Ave, B St, Kristin Way, Trisler Ct | $622 |
| Florentine Way, Harris Ln, Ray Wise Ln, Cambridge Pl, Vintage Ct, Travao Ln, Bastille Ct, W Luna Loca Ln, S Steven St, Wall St | $611 |
| Place | Savings For Senior Occupied Homes |
|---|---|
| Tracy | $91 to $94 |
| Mountain House | $93 |
| Lathrop | $89 |
| Manteca | $90 |
| Coverage ($) | Deductible ($) | Age of home | Company | Average homeowners insurance premium ($) |
|---|---|---|---|---|
| 150000 | 250 | New | American Modern | 684 |
| 150000 | 500 | New | American Security | 336 |
| 150000 | 500 | New | Wawanesa | 446 |
| 200000 | 500 | New | Privilege Underwriters Exch | 1074 |
| 250000 | 1000 | New | Farmers (Fire Ins) | 796 |
| 250000 | 1000 | New | Pacific Specialty | 506 |
| 250000 | 500 | New | Privilege Underwriters Exch | 1342 |
| 250000 | 500 | New | Unigard Group | 637 |
| 400000 | 1000 | New | Nationwide | 716 |
| 500000 | 1000 | New | Privilege Underwriters Exch | 2115 |
| 150000 | 500 | 1-3 Years | Chubb/Federal | 695 |
| 200000 | 500 | 1-3 Years | AAA (Interinsurance Exchange) | 435 |
| 200000 | 500 | 1-3 Years | California Casualty | 554 |
| 250000 | 1000 | 1-3 Years | Stillwater Ins Co | 525 |
| 300000 | 500 | 1-3 Years | American Modern | 1129 |
| 300000 | 500 | 1-3 Years | USAA | 729 |
| 750000 | 2500 | 1-3 Years | Travelers | 1338 |
| 150000 | 250 | 4-6 Years | Safeco | 613 |
| 150000 | 250 | 4-6 Years | Unigard Group | 586 |
| 150000 | 500 | 4-6 Years | Oregon Mutual | 486 |
| 200000 | 500 | 4-6 Years | CSAA Ins Exch | 626 |
| 200000 | 500 | 4-6 Years | Wawanesa | 554 |
| 250000 | 1000 | 4-6 Years | Chubb/Federal | 1073 |
| Low Deductible | High Deductible | |
|---|---|---|
| Deductible | $1,900 | $2,900 |
| Yearly Tracy Homeowner Insurance Premium Example | $800 | $600 |
| Out of Pocket Expense During Claim | $1,900 | $2,900 |
| Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim | $8,300 | $7,700 |
| Net Savings to Tracy Home Owner from High Deductible Plan | $600 | |
| Scenario | Tracy, CA Home Replacement Value MORE than Home Value | Tracy, CA Home Replacement Value LESS than Home Value |
|---|---|---|
| Replacement Value | $345,500 | $219,000 |
| Insurance Premium based on Replacement Value | $1,150 | $725 |
| Risk Exposure from Under Insuring Coverage | Unnecessary Home Insurance Coverage of $62,000 | Risk Exposure from Under Insuring Coverage is $64,500 |
| Premium Impact | Insurance cheaper by $225/year | Insurance costlier by $200/year |
| Insurance Company | Nationwide Insurance | Liberty Mutual | Farmers Insurance |
| Monthly Premium | 38 | 42 | 60 |
| Year Built | 2005 | 1998 | 2012 |
| Home Details | 3 Beds, 2 Baths | 4 Beds, 3 Baths | 5 Beds, 1 Baths |
| Coverage Amount | $200000-$250000 | $250000-$300000 | $400000-$500000 |
| Deductible | $2500-$5000 Deductible | $2500-$5000 Deductible | > $10,000 Deductible |