West Sacramento Insurance Rates:

West Sacramento, CA homeowners insurance is approximately $516 to $699, about $43-$58/month. Our detailed research reveals consumers can save as much as $243 by getting different quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

State Farm
States farm has online accessibility which is very convenient. i can get access to my police and such whenever i need to.
First American Home Warranty
My home warranty company has an online service request option. i can easily go online and describe my problem and they call within a day to schedule service.
Esurance
I like the website because it is user-friendly and if you need any help, there is a help button and a chat button to assist you.
Allstate
The website has tons of custom things just for me like I can switch to different offices or send info straight to a particular office. Pretty colors on the sight nice and calming.
Allstate
There's nothing I dislike about the company. The only thing they could improve is lowering our premium that will be appreciated.

West Sacramento, CA Homeowners Insurance By Home Value

West Sacramento, CA Home Value Total Homes % of Total Average West Sacramento, CA Homeowners Insurance
Less than $50,000 848 9.0% $54
$80,000 to $89,999 109 1.0% $200
$100,000 to $124,999 781 8.0% $261
$125,000 to $149,999 297 3.0% $328
$150,000 to $174,999 768 8.0% $389
$175,000 to $199,999 539 6.0% $449
$200,000 to $249,999 1,448 16.0% $541
$250,000 to $299,999 1,772 20.0% $656
$300,000 to $399,999 1,957 22.0% $839

Top Home Insurance Agents Near West Sacramento, CA

Home Insurance Company Near West Sacramento, CA Homeowners Insurance Agency Near West Sacramento, CA Address
NA Peterson & Grantham Insurance Brokers 1508 Eureka Road, Suite 140, Roseville, CA, 95661
Farmers Evelyn Vega 1108 Waterloo Rd Ste 7, Stockton, CA, 95205
Liberty Mutual Independent Professional Ins Assoc Inc 1070 LINCOLN RD STE A, YUBA CITY, CA, 95991
Farmers Tholow Chan 4700 Duckhorn Dr, Sacramento, CA, 95834
Nationwide Welcome Financial Inc. 1102 Jefferson Blvd STE C, West Sacramento, CA, 95691

Cost Of Homeowners Insurance By Street Near West Sacramento, CA

Streets in West Sacramento Area Homeowners Insurance Cost
Shirley St, Watercourse Ln, Fallbrook St, Tahoe St, Windemere Ct, Alabama Ave, Isabella St, Antigua Pl, Cable Ct, Rockrose Rd$625
Mandeville Way, Redondo Rd, Delaware Ave, Oakmont Way, Riske Ln, 11th St, Central Ave, Marigold St, Otis Ave, Aleutian Island St$570
Circle St, Haiti Rd, Brenda Way, May St, Dresbach Way, Mace Blvd, Starling Ln, Boatman Ave, Roma Ct, Rd 153$676
Balsam St, Swan Island St, Fairway Dr, Laurel Ln, Driftwood Ct, Diane Dr, Spruce Way, Bastone Ct, Manzanita Way, Carolina Ave$595
S School St, Lopez Island Rd, Hickory Way, Greenbrier Rd, Fremont Blvd, Coke St, Virginia Ave, Gaffney Rd, Cebrian St, Embarcadero Dr$571

West Sacramento, CA Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
West Sacramento$90 to $93
Fruitridge Pocket$88
Lemon Hill$87
East Yolo$91

West Sacramento, 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
Fruitridge Pocket CDP, California $89 $118 $177
Lemon Hill CDP, California $87 $116 $174
East Yolo CCD, Yolo County, California $91 $121 $182

West Sacramento, 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
West Sacramento, CA2.4%13.6%
Fruitridge Pocket3.3%15.15%
Lemon Hill4.01%13.19%
East Yolo2.43%13.51%

West Sacramento Renters Insurance as a Percentage of Rent

West Sacramento Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 101 1.0% $795
$300 to $499 661 9.0% $1245
$500 to $749 1,842 26.0% $1920
$750 to $999 1,324 19.0% $2670
$1,000 to $1,499 1,857 27.0% $3795
$1,500 or more 1,021 14.0% $5445

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

Coverage ($) Deductible ($) Age of home Company Average homeowners insurance premium ($)
150000250NewAmerican Security374
150000500NewNationwide366
200000500NewChubb/Federal838
200000500NewPacific Specialty541
2500001000NewAmerican Security539
2500001000NewKemper503
250000500NewAIG Prop Cas1024
300000500NewCentury National731
4000001000NewMercury Ins Group400
1500002501-3 YearsStillwater Prop & Cas Co469
1500005001-3 YearsUSAA361
2000005001-3 YearsIDS Property Casualty459
2000005001-3 YearsLiberty Ins Corp555
25000010001-3 YearsAIG Prop Cas969
2500005001-3 YearsAmco617
2500005001-3 YearsWawanesa622
40000010001-3 YearsAmerican Modern1219
40000010001-3 YearsIDS Property Casualty837
50000010001-3 YearsLiberty Ins Corp899
50000025001-3 YearsEncompass813
1500002504-6 YearsAmerican Security518
1500005004-6 YearsTokio Marine America209

West Sacramento, CA Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$700$1,700
Yearly West Sacramento Homeowner Insurance Premium Example $800$600
Out of Pocket Expense During Claim$700$1,700
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $7,100$6,500
Net Savings to West Sacramento Home Owner from High Deductible Plan $600

West Sacramento, CA Home Insurance Costs With Home Replacement Value Scenarios

Scenario West Sacramento, CA Home Replacement Value MORE than Home Value West Sacramento, CA Home Replacement Value LESS than Home Value
Replacement Value $209,500 $121,500
Insurance Premium based on Replacement Value $725 $425
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $47,500 Risk Exposure from Under Insuring Coverage is $40,500
Premium Impact Insurance cheaper by $125/year Insurance costlier by $175/year

Example West Sacramento Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Chubb Group of InsuranceGEICO InsuranceTravelers
Monthly Premium 923633
Year Built 199019672014
Home Details 4 Beds, 2 Baths2 Beds, 1 Baths5 Beds, 1 Baths
Coverage Amount $350000-$400000$125000-$150000$200000-$250000
Deductible $1000-$2500 Deductible$500- $1000 Deductible$5000 to $10,000 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
2014 700,000 Tile Roof 4,460 5 > $10,000 Deductible 1170 10 Wood siding yes
1991 495,000 Wood Shake Roof 3,380 4 $5000 to $10,000 Deductible 540 10 Wood siding yes
2014 395,000 Metal Roof 3,190 4 > $10,000 Deductible 480 7 Wood siding yes
2010 610,000 Membrane Roof 4,000 5 $1000-$2500 Deductible 340 2 Brick siding yes
1963 120,000 Tile Roof 950 2 $1000-$2500 Deductible 140 6 Vinyl siding No
2012 270,000 Tile Roof 1,970 4 $500- $1000 Deductible 180 4 Brick siding yes
1999 265,000 Composition Roof 1,920 4 $2500-$5000 Deductible 140 2 Wood siding yes
1960 215,000 Membrane Roof 1,760 5 $5000 to $10,000 Deductible 170 6 Wood siding yes
2014 240,000 Membrane Roof 1,540 3 $500- $1000 Deductible 370 6 Vinyl siding yes
2010 450,000 Membrane Roof 2,940 5 $2500-$5000 Deductible 590 7 Vinyl siding No
1985 110,000 Wood Shake Roof 900 2 $500 Deductible 90 3 Brick siding yes
2013 675,000 Shingles Roof 4,200 5 $2500-$5000 Deductible 1920 12 Stone Siding yes
2014 750,000 Metal Roof 4,670 5 $5000 to $10,000 Deductible 710 6 Stucco siding yes
1964 145,000 Tile Roof 1,260 3 $1000-$2500 Deductible 120 3 Stucco siding No
2012 585,000 Asphalt Shingles Roof 3,710 5 $500 Deductible 2210 12 Stone Siding yes
1996 225,000 Asphalt Shingles Roof 1,520 3 $5000 to $10,000 Deductible 100 3 Wood siding yes
1987 140,000 Wood Shake Roof 1,140 2 $2500-$5000 Deductible 30 1 Vinyl siding yes
1988 285,000 Slate Shingles Roof 2,140 3 $5000 to $10,000 Deductible 290 7 Brick siding yes
1961 345,000 Tile Roof 2,390 5 > $10,000 Deductible 360 6 Vinyl siding No
1968 135,000 Composition Roof 1,060 2 $500- $1000 Deductible 150 5 Stone Siding yes
1991 105,000 Composition Roof 970 2 $1000-$2500 Deductible 220 10 Wood siding yes
1967 220,000 Shingles Roof 1,700 5 $500- $1000 Deductible 140 4 Stone Siding yes
2010 220,000 Composition Roof 1,450 2 $5000 to $10,000 Deductible 310 10 Vinyl siding yes
2010 425,000 Asphalt Shingles Roof 3,400 5 $500- $1000 Deductible 830 8 Brick siding yes
1966 525,000 Metal Roof 3,260 4 $5000 to $10,000 Deductible 660 6 Wood siding No
1982 200,000 Asphalt Shingles Roof 1,270 3 $500- $1000 Deductible 610 10 Stone Siding No