Vacaville ,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 Vacaville, 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 Vacaville, CA is $1350. Enter your zipcode below and click “GO” to get multiple free quotes.
It is important to understand the different coverage options available in Vacaville, CA. VHome Insurance will help you navigate the world of homeowners insurance coverages in Vacaville, CA.
| Coverage Level | Average Annual Premium |
|---|---|
| $100,000 | $540 |
| $200,000 | $918 |
| $300,000 | $1,134 |
| $400,000 | $1,728 |
| $500,000 | $2,174 |
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 Vacaville, CA, and how to choose the right one for your needs.
| Deductible Level | Average Annual Premium |
|---|---|
| $500 Deductible | $1,384 |
| $1000 Deductible | $1,238 |
| $1500 Deductible | $1,168 |
| $2500 Deductible | $1,053 |
| $5000 Deductible | $891 |
| Home Insurance Company Near Vacaville, CA | Homeowners Insurance Agency Near Vacaville, CA | Address |
|---|---|---|
| Farmers | Denise Ibsen | 194 W Main St Ste 100, Woodland, CA, 95695 |
| State Farm | Don Widmer | 2155 W March Ln Ste 3A, Stockton, CA, 95207-6420 |
| State Farm | Doug Prichard | 405 3rd St, Davis, CA, 95616-4518 |
| Travelers | Legacy Risk And Insurance Services Llc | 1850 MT DIABLO BLVD STE 400, WALNUT CREEK, CA, 94596 |
| State Farm | Mike Eldred | 800 Sunrise Ave Ste B, Roseville, CA, 95661-4575 |
| Place | 1 Car Bundle Savings On Insurance | 2 Car Bundle Savings On Insurance | 3 Car Bundle Savings On Insurance |
|---|---|---|---|
| Allendale CDP, California | $81 | $108 | $162 |
| Hartley CDP, California | $80 | $107 | $160 |
| Solano County, California | $77 | $102 | $153 |
| Place | Home insurance as a % of housing cost for homes with mortgage | Home insurance as a % of housing cost for homes without mortgage |
|---|---|---|
| Vacaville, CA | 2.3% | 11.0% |
| Allendale | 1.84% | 13.01% |
| Hartley | 2.15% | 8.09% |
| Solano County | 2.27% | 11.95% |
| Vacaville Home By Monthly Rent | Total Homes | % of Total | Estimated Monthly Income To Afford Rented House Including Renters Insurance |
|---|---|---|---|
| $300 to $499 | 368 | 3.0% | $1240 |
| $500 to $749 | 455 | 3.0% | $1915 |
| $750 to $999 | 1,767 | 15.0% | $2665 |
| $1,000 to $1,499 | 4,379 | 38.0% | $3790 |
| $1,500 or more | 4,436 | 38.0% | $5440 |
| Streets in Vacaville Area | Homeowners Insurance Cost |
|---|---|
| Olive School Ln, Ithica Ct, Newcastle Dr, Buck Ave, Ambleside Ct, N Orchard Ave, Lexington Ct, Fallsgrove Way, Lilac Ct, Estate Dr | $622 |
| Hawk Dr, Sweeney Rd, Gibson Valley Rd, Mason St, Crystal Springs Ct, Songbird Ct, Sycamore Ct, Dennis Dr, Udell Rd, Deodara St | $672 |
| Arabian Cir, Solitude Ct, Rolling Oak Dr, Old Stone Ct, Cloverbrook Cir, Tyler Ct, Fern Way, Harvest Dr, Browns Valley Pkwy, Winding Way | $681 |
| Ronda Ct, Scenic Ranch Ln, Breakwater Way, Maywood Ct, Gregory Dr, Galatina Ct, Countryside Dr, Keith Way, Cody Ct, Sun Ct | $678 |
| Beth Page Ct, Beelard Dr, Bristlewood Ct, Hampton St, Lawrence Dr, Isle Royale Cir, Whitehall Ct, Grandview Dr, Lady Bug Ln, Millbrook Ct | $602 |
| Cricket Trail Rd, Mammoth Ct, Oak Hill Ct, Flagstone Ct, Chimney Rock Dr, N Meridian Rd, Foxboro Pkwy, Nile Ct, Sweet Bay Cir, Riverdale Ave | $627 |
| Spyglass Ct, Oak Canyon Ln, Birch St, Larkspur Dr, Canal Ln, Doris Ct, Georgetown Dr, Acacia Ln, Paris Way, Vine Ct | $682 |
| Vineyard Valley Way, Whitestag Way, Patrick Ln, S Acacia Ln, Allison Dr, Perth Ct, Rainier Cir, Rio Granda Dr, Laurelwood Cir, Limerick Way | $680 |
| Kiowa Ct, Swan River Ct, Timber Dr, Vaca Station Rd, Ridgewood Dr, Cashel Cir, Palm Ave, Cornerstone Ct, Plumas Ct, S Orchard Ave | $622 |
| Moonstone Ct, Rolling Sage Cir, Bonarda Ct, E Deodara St, Putman Rd, Bounty Ln, Limerick Pl, Kirbyson Ct, Oak Brook Dr, Longwood Pl | $606 |
| Place | Savings For Senior Occupied Homes |
|---|---|
| Vacaville | $92 to $94 |
| Allendale | $97 |
| Hartley | $96 |
| Elmira | $89 |
| Coverage ($) | Deductible ($) | Age of home | Company | Average homeowners insurance premium ($) |
|---|---|---|---|---|
| 200000 | 500 | New | Encompass | 740 |
| 300000 | 500 | New | Century National | 731 |
| 300000 | 500 | New | CSE Safeguard | 716 |
| 500000 | 2500 | New | American Modern | 1394 |
| 500000 | 2500 | New | Nationwide | 734 |
| 150000 | 250 | 1-3 Years | Century National | 473 |
| 150000 | 500 | 1-3 Years | IDS Property Casualty | 419 |
| 150000 | 500 | 1-3 Years | Safeco | 395 |
| 200000 | 500 | 1-3 Years | Amica Mutual | 635 |
| 250000 | 500 | 1-3 Years | Horace Mann | 476 |
| 300000 | 500 | 1-3 Years | American Reliable | 696 |
| 400000 | 1000 | 1-3 Years | Bankers Standard | 1627 |
| 500000 | 1000 | 1-3 Years | Horace Mann P & C | 1054 |
| 500000 | 2500 | 1-3 Years | Farmers (Fire Ins) | 1037 |
| 750000 | 2500 | 1-3 Years | Bankers Standard | 2035 |
| 150000 | 500 | 4-6 Years | American Modern | 542 |
| 250000 | 1000 | 4-6 Years | MAPFRE Group | 567 |
| 250000 | 1000 | 4-6 Years | Unigard Group | 706 |
| 250000 | 500 | 4-6 Years | First American Ins | 646 |
| 400000 | 1000 | 4-6 Years | Bankers Standard | 1817 |
| Low Deductible | High Deductible | |
|---|---|---|
| Deductible | $1,000 | $3,000 |
| Yearly Vacaville Homeowner Insurance Premium Example | $800 | $400 |
| Out of Pocket Expense During Claim | $1,000 | $3,000 |
| Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim | $7,400 | $6,200 |
| Net Savings to Vacaville Home Owner from High Deductible Plan | $1,200 | |
| Scenario | Vacaville, CA Home Replacement Value MORE than Home Value | Vacaville, CA Home Replacement Value LESS than Home Value |
|---|---|---|
| Replacement Value | $334,500 | $258,500 |
| Insurance Premium based on Replacement Value | $1,125 | $875 |
| Risk Exposure from Under Insuring Coverage | Unnecessary Home Insurance Coverage of $45,500 | Risk Exposure from Under Insuring Coverage is $30,500 |
| Premium Impact | Insurance cheaper by $100/year | Insurance costlier by $150/year |
| Insurance Company | Nationwide Insurance | Travelers | GEICO Insurance |
| Monthly Premium | 69 | 67 | 100 |
| Year Built | 1992 | 1989 | 2008 |
| Home Details | 3 Beds, 2 Baths | 4 Beds, 1 Baths | 5 Beds, 2 Baths |
| Coverage Amount | $350000-$400000 | $400000-$500000 | $400000-$500000 |
| Deductible | $2500-$5000 Deductible | $2500-$5000 Deductible | $1000-$2500 Deductible |