Vallejo ,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 Vallejo, 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 Vallejo, CA is $1345. Enter your zipcode below and click “GO” to get multiple free quotes.
It is important to understand the different coverage options available in Vallejo, CA. VHome Insurance will help you navigate the world of homeowners insurance coverages in Vallejo, CA.
| Coverage Level | Average Annual Premium |
|---|---|
| $100,000 | $538 |
| $200,000 | $915 |
| $300,000 | $1,130 |
| $400,000 | $1,722 |
| $500,000 | $2,165 |
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 Vallejo, CA, and how to choose the right one for your needs.
| Deductible Level | Average Annual Premium |
|---|---|
| $500 Deductible | $1,379 |
| $1000 Deductible | $1,233 |
| $1500 Deductible | $1,163 |
| $2500 Deductible | $1,049 |
| $5000 Deductible | $888 |
| Home Insurance Company Near Vallejo, CA | Homeowners Insurance Agency Near Vallejo, CA | Address |
|---|---|---|
| State Farm | Alyssa Samrick | 1216 Church St, Saint Helena, CA, 94574-1207 |
| Nationwide | Bph Insurance And Financial Services Inc. | 1620 35th Ave STE F, Sacramento, CA, 95822-3425 |
| Liberty Mutual Independent | Equity Risk Partners Inc | 456 MONTGOMERY ST 16TH FL, SAN FRANCISCO, CA, 94104 |
| State Farm | Mark Woodard | 609 Main St, Martinez, CA, 94553-1128 |
| GEICO | Marlon Zarate | 1220 South El Camino Real, San Mateo, CA, 94402 |
| Place | 1 Car Bundle Savings On Insurance | 2 Car Bundle Savings On Insurance | 3 Car Bundle Savings On Insurance |
|---|---|---|---|
| Crockett CDP, California | $79 | $105 | $157 |
| Benicia city, California | $80 | $106 | $159 |
| Rodeo CDP, California | $77 | $103 | $154 |
| Place | Home insurance as a % of housing cost for homes with mortgage | Home insurance as a % of housing cost for homes without mortgage |
|---|---|---|
| Vallejo, CA | 2.3% | 13.1% |
| Crockett | 2.21% | 13.22% |
| Benicia | 2.04% | 10.92% |
| Port Costa | 1.9% | 8.08% |
| Vallejo Home By Monthly Rent | Total Homes | % of Total | Estimated Monthly Income To Afford Rented House Including Renters Insurance |
|---|---|---|---|
| $200 to $299 | 496 | 2.0% | $793 |
| $300 to $499 | 722 | 3.0% | $1243 |
| $500 to $749 | 1,299 | 6.0% | $1918 |
| $750 to $999 | 3,516 | 17.0% | $2668 |
| $1,000 to $1,499 | 7,997 | 40.0% | $3793 |
| $1,500 or more | 5,413 | 27.0% | $5443 |
| Streets in Vallejo Area | Homeowners Insurance Cost |
|---|---|
| San Carlos Dr, Oakmore Ct, Delwood Ave, San Diego Dr, Clearview Cir, Majestic Ct, Humboldt St, el Monte Ave, Primrose Ln, Gallagher Dr | $576 |
| Muirwood Pl, Dale Ct, Wright St, Coleridge Dr, D St, Manzanita Dr, Shamrock Ct, Club Dr, Warwick Dr, Newcastle Ct | $604 |
| Bradford Way, Commercial St, W 4th St, Wasmuth Ave, Taper Ave, Georgia Mall N, Bret Harte Way, San Antonio Way, Barry Ct, Leeds Ct | $644 |
| Steffan St, Monte Verde Way, Begonia Ct, Redbud Ln, Steven Cir, Heliotrope St, Residental Dr, Pope Dr, Johns Pl, Bermuda Ln | $624 |
| W I St, Brown Ct, York Dr, Arbor Ct, Hodges St, W 2nd St, Starfish Dr, Rutgers Ct, Chase St, W K St | $642 |
| Blanchard Ln, Richardson Dr, Buckles St, Woodgreen Way, Devonshire Ct, Kristina Ct, Alan Ct, Trotter Dr, Outrigger Dr, Jackson St | $625 |
| E L St, Rickover St, Ocean Breeze Ct, Bolton Cir, Grapewood St, Laguna St, Falcon Dr, Queen Isabella Ct, Delgado Ct, Fulton Ave | $622 |
| Lislin Way, Chadwick Way, Landmark Dr, Severus Dr, James Ct, Franciscan Dr, Beltaine Ct, Noyes Ct, Winchell Ct, Sandstone Dr | $626 |
| Caldwell Ave, Baker Ct, Pueblo Way, Goheen Cir, 8th St, Robles Dr, Heartwood Ave, Shelley Dr, E E St, Ivy Ln | $602 |
| Marin St, Sherwood Ave, Shasta St, Charles Ct, Hays Ln, Trinity St, Ashton St, Stella St, Fuchsia Ct, Ron Ct | $603 |
| Place | Savings For Senior Occupied Homes |
|---|---|
| Vallejo | $91 to $93 |
| Crockett | $94 |
| Benicia | $95 |
| Port Costa | $91 |
| Coverage ($) | Deductible ($) | Age of home | Company | Average homeowners insurance premium ($) |
|---|---|---|---|---|
| 150000 | 250 | New | California Capital | 424 |
| 150000 | 250 | 1-3 Years | Metropolitan Direct | 785 |
| 150000 | 250 | 7-15 Years | Hartford (Sentinel) | 589 |
| 150000 | 250 | 41-70 Years | First American Ins | 575 |
| 150000 | 500 | New | Privilege Underwriters Exch | 658 |
| 150000 | 500 | 7-15 Years | Mercury Ins Group | 458 |
| 150000 | 500 | 26-40 Years | Farmers (Fire Ins) | 1050 |
| 150000 | 500 | 26-40 Years | Homesite | 774 |
| 200000 | 500 | New | Unigard Group | 579 |
| 200000 | 500 | 7-15 Years | American Security | 870 |
| 200000 | 500 | 7-15 Years | Homesite | 876 |
| 200000 | 500 | 16-25 Years | Western Mutual/Residence | 1010 |
| 250000 | 1000 | New | AIG Prop Cas | 997 |
| 250000 | 1000 | 1-3 Years | Metropolitan Direct | 979 |
| 250000 | 1000 | 4-6 Years | Integon/National | 606 |
| 250000 | 1000 | 7-15 Years | Stillwater Ins Co | 650 |
| 250000 | 1000 | 16-25 Years | Chubb/Federal | 1235 |
| 250000 | 1000 | 26-40 Years | Metropolitan Direct | 1374 |
| 250000 | 1000 | 41-70 Years | Farmers (Fire Ins) | 1321 |
| 250000 | 500 | New | First American Ins | 571 |
| Low Deductible | High Deductible | |
|---|---|---|
| Deductible | $1,200 | $3,200 |
| Yearly Vallejo Homeowner Insurance Premium Example | $900 | $500 |
| Out of Pocket Expense During Claim | $1,200 | $3,200 |
| Total Home Insurance Premium for 7 years + Out of Pocket Expense for Claim | $7,500 | $6,700 |
| Net Savings to Vallejo Home Owner from High Deductible Plan | $800 | |
| Scenario | Vallejo, CA Home Replacement Value MORE than Home Value | Vallejo, CA Home Replacement Value LESS than Home Value |
|---|---|---|
| Replacement Value | $89,000 | $66,000 |
| Insurance Premium based on Replacement Value | $275 | $200 |
| Risk Exposure from Under Insuring Coverage | Unnecessary Home Insurance Coverage of $10,000 | Risk Exposure from Under Insuring Coverage is $13,000 |
| Premium Impact | Insurance cheaper by $25/year | Insurance costlier by $50/year |
| Insurance Company | Allstate | Nationwide Insurance | State Farm |
| Monthly Premium | 40 | 95 | 79 |
| Year Built | 1943 | 1966 | 1990 |
| Home Details | 2 Beds, 1 Baths | 5 Beds, 2 Baths | 4 Beds, 1 Baths |
| Coverage Amount | $125000-$150000 | $600000-$700000 | $500000-$600000 |
| Deductible | $500 Deductible | $5000 to $10,000 Deductible | > $10,000 Deductible |