Top 5 Home Insurance Companies in Calaveras County, CA
Check out the most popular Home Insurance agencies & companies in Calaveras County, CA & compare the best quotes from them.
Cheapest Homeowners Insurance in Calaveras County, CA
The average cost of homeowners insurance in Calaveras County, CA, is $733.32. Homeowners insurance protects you from financial losses caused by storms, fire, theft, vandalism, and other risks mentioned in your policy. The average cost of homeowners insurance depends on many factors, including the value of your home, the amount of coverage you need, how much your deductible is, and the area of residence.
Compare quotes & buy insurance policies offered by the best home insurance companies in Calaveras County, CA. Find a great deal on your homeowner's insurance policy covering your house and other assets through price comparison and other factors responsible for the change in the cost of home insurance rates in Calaveras County, CA.
Factors affecting home insurance in Calaveras County, CA:
1. Home insurance rates by coverage levels
2. Home insurance rates by deductibles
3. Home insurance rates by the age of the home
4. Home insurance rates by the safety features
Homeowners insurance in Calaveras County - Rates by coverage level
Homeowners insurance in Calavera County, CA, covers both your home and its contents against numerous risks, including fire, damage, vandalism, and theft. So whether you're enjoying your life on the property or spending time away, you'll be in relief as you have the financial backup in case of any unexpected event.
The right level of coverage helps to ensure that you'll be able to get back on your feet after an unfortunate event. For instance, homeowners opting for $200K coverage pay $556 on home insurance in Calaveras County, CA. Refer to the chart below to know the cost of home insurance in Calaveras County, CA, based on the coverage level.
Homeowners insurance in Calaveras County - Rates by deductibles
Your deductible is the amount of money you will disburse out of pocket before your insurance company steps in and pays the rest. Hence, the higher your deductible, the lower your monthly premiums. Since you are essentially paying more out-of-pocket if you file a claim, it usually makes sense to get a high deductible. If, for example, you file homeowners claim for $1,000 and your deductible is $500, you'll be responsible for paying the first $500 of the repair while your insurer covers the remaining $500.
Residents in Calaveras County, CA, who opted for a deductible of $2000 pay $561 towards their home insurance in Calaveras County, CA. Homeowners who opted for a deductible of 500 pay $725 towards their home insurance in Calaveras County, CA.
Homeowners insurance in Calaveras County - Rates by the age of the home
Older homes have many problems, including plumbing and electrical issues, vulnerability to natural disasters, and more. The age of the house plays a pivotal role as insurance companies consider this factor while evaluating an applicant's application. Unfortunately, not all homeowners know that their home's age affects the coverage amount an insurance company can give them. For instance, houses that are 40 or 50 years old pay a premium of $753 and $762, respectively, in Calaveras County, CA. On the other hand, newly built homes are less prone to damage, and home insurance providers offer considerable discounts to newly built homes. Newly built homes in Calaveras County, CA, can avail of home insurance for $528.
Homeowners insurance in Calaveras County - Rates by the safety features
Installing security and safety features in your home can qualify you for savings when buying homeowners insurance in Calaveras County, CA. Insurance providers offer discounts based on several safety features, including fire and burglar alarms, smoke detectors, and more. For example, homes equipped with sprinkler systems and smoke detectors pay $690 and $646, respectively, on homeowners insurance in Calaveras County, CA.
Top Home Insurance Companies in Calaveras County, CA
| Home Insurance Company | A.M. Best Financial Strength Rating | Homeowners Insurance Market share |
|---|---|---|
| State Farm | A | 17.56% |
| Allstate | A+ | 5.91% |
| Erie | A+ | 5.4% |
| Nationwide | A+ | 4.15% |
| Travelers | A++ | 3.18% |
Top Erie Home Insurance Agents in Calaveras County, CA
| Homeowners Insurance Agents | Agent Address | Contact Details | ||
|---|---|---|---|---|
| Shari Hodge-Fricker | 1100 14Th Street #C www.hodgeinsurance.com 95354 |
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| Jeff Williamson Insurance Llc | 3507 TULLY ROAD STE 100 95356 |
209-557-0501 | ||
| Anderson Insurance Inc. | 550 Main St Ste A 95619-9177 |
530-626-4020 | ||
| Adirondack Regional Insurance Inc. | 3358 Mather Field Rd 95670-5966 |
916-366-5555 | ||
| Kehl Insurance Shoppe | 8250 CALVINE RD STE C-346 95828 |
916-437-4333 | ||
| Preferred Insurance Solutions Llc | 187 Blue Ravine Rd Ste 130 95630 |
(916) 597-1080 |
| Homeowners Insurance Agents | Agent Address | Contact Details | ||
|---|---|---|---|---|
| Preferred Und Inc | 9298 Madison Ave 95662 |
(916) 673-1970 | ||
| Palmer & Associates Of Vidalia Llc | 533 MAIN ST 95667 |
(530) 622-1835 Email:jmpalmer@thepalmeradamsagency.com |
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| Burkhart Insurance Agency | 8827 Elk Grove Blvd burkhartagency.com 95624-1810 |
916-685-3973 | ||
| Crozet Insurance Llc | 8908 Madison Ave 95628-4010 |
916-966-7111 | ||
| Ric Insurance General Agency Inc | 3300 Tully Rd Ste B3 www.ric-ins.com 95350 |
(209) 543-8000 Email:todds@ric-ins.com |
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| Princeton Insurance Agency | 1866 Countryside Dr www.princetonins.com 95380 |
(209) 667-4455 Email:mail@princetonins.com |
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| Ric Hoks Insurance Services | 1236 Floyd Ave Ste B 95350 |
(209) 527-8800 | ||
| Warren Delman Tibbetts | 4110 Datsun Court 95682 |
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| Preferred Service Ins Agencies Inc | 9300 Madison Ave Ste 201 95662 |
(916) 798-9541 | ||
| Dubuque Insurance Services Inc | 8355 Elk Grove Blvd Ste 400 www.dbqinsurance.com 95758 |
(916) 684-3753 Email:dubuqueinsurance@qwestoffice.net |
| Homeowners Insurance Agents | Agent Address | Contact Details | ||
|---|---|---|---|---|
| Remon Wasfi | 6 W Main St Ste J 95202 |
(209) 463-0267 | ||
| Jim Paterson | 9300 MADISON AVE STE 100 www.jimpatersonagency.com 95662 |
800-400-6394 | ||
| Bob Zedeker Ii | 7915 Laguna Blvd Ste 140 95758-7944 |
916-684-8822 | ||
| Jim Parrilli | 90 BLUE RAVINE RD STE 74 95630 |
916-984-9320 | ||
| Jeff Young | 1501 F ST www.jeffyounginsurance.com 95354 |
209-338-3585 | ||
| Jim Parsley Sr. | 9300 MADISON AVE STE 100 www.jimparsley.org 95662 |
800-400-6394 | ||
| Ann Stern | 1502 Saint Marks Plz Ste 2 www.annstern.net 95207-6409 |
209-952-5065 | ||
| Jeff Wieden | 168 MAIN ST 95642 |
209-223-4040 | ||
| Eugene Hawkins Iii | 702 E F St 95361 |
(209) 847-4884 | ||
| Chris Buich | 3641 Mitchell Rd Ste G www.chrisbuich.com 95307-5026 |
209-538-7556 |
| Homeowners Insurance Agents | Agent Address | Contact Details | ||
|---|---|---|---|---|
| Jeff Wilson & Assoc | 1031 MCHENRY BLVD STE 9 95350 |
209-408-0131 | ||
| D Schuppler & Assoc | 1390 Broadway, Suite C 95667-5900 |
530-622-1820 | ||
| Randy Mathews | 11171 Sun Center Dr Ste 110 95670 |
(916) 366-8196 | ||
| Ahrens Ins. Agency | 2250 E Bidwell St Ste 120 95630-3553 |
916-353-5199 | ||
| Cardinal Insur Agcy | 9401 E Stktn Blvd Ste 100 95624-5049 |
916-714-1640 | ||
| Paula Barlow | 5250 Claremont Ave # 243 95207 |
(209) 751-4516 | ||
| Ricardo Estrada Ii | 1444 W Main St Ste A 95366 |
(209) 599-6339 | ||
| Jeffery Bellew | 2291 W MARCH LN 100 A 95207 |
209-477-1111 | ||
| Gerard Viola | 136 N Maag Ave Ste B2 95361 |
(209) 847-9149 | ||
| Ric Parlade | 1800 Tully Rd Ste E1 95350 |
(209) 576-7550 |
| Homeowners Insurance Agents | Agent Address | Contact Details | ||
|---|---|---|---|---|
| Coady & Lewis Associates Inc | 600 N Main St 95336-3741 |
209-823-0556 | ||
| Martha Sue Harris | 993 Governor Dr STE 101 95762-4290 |
(916) 439-9378 | ||
| Randy Jones & Associates Inc | 8861 Williamson Dr Ste 20 95624 |
(916) 685-8855 | ||
| Randy Jones & Associates Inc | 8788 Elk Grove Blvd Ste G 95624 |
(916) 685-5550 | ||
| Brian A Grimone | 10330 Twin Cities Rd Ste 20 95632-9048 |
209-744-1189 | ||
| Palmer Agency Lp | 5011 GOLDEN FOOTHILL PKWY STE 1 95762 |
916-989-9100 | ||
| Martha Sue Harris | 2360 E Bidwell St STE 111 95630 |
(916) 817-6250 | ||
| Randy Jones & Associates Inc | 9240 Laguna Springs Dr Ste 101 95758 |
(916) 588-7719 | ||
| David K Bartal | 1812 W Kettleman Lane Suite 1 95242-4209 |
209-224-8885 | ||
| Martha Sue Harris | 1831 Iron Point Rd Suite 140 95630-8762 |
(916) 668-8000 |
| Home Insurance Company | Justified Complaint Ratio 2018 | Number of Justified Complaints 2018 | Justified Complaint Ratio 2017 | Number of Justified Complaints 2017 |
|---|---|---|---|---|
| Allstate | 1.7 | 11 | 2.4 | 16 |
| Nationwide | 3.2 | 2 | 1.6 | 1 |
| State Farm | 3.9 | 85 | 3.9 | 86 |
| Liberty Mutual | 11.5 | 31 | 5.6 | 14 |
Homeowners Insurance Comparison for the Cheapest Premiums in Calaveras County, CA
| State Farm | Erie | Allstate | |
| Median Home Value ($) | 296,060 | 296,060 | 266,060 |
| Construction year | 2011 | 2010 | 2013 |
| Home Coverage ($) | $500000-$600000 | $400000-$500000 | $400000-$500000 |
| Total Premium ($) | $1828 | $1026 | $1146 |
Calaveras County, CA Multi Policy Discounts by Home Insurance Companies
| Home Insurance Company | Multi Policy Discount (%) |
|---|---|
| Erie | upto 22% |
| Travelers | upto 6% |
| Allstate | upto 15% |
| Nationwide | upto 6% |