Top 5 Home Insurance Companies in El Dorado County, CA
Check out the most popular Home Insurance agencies & companies in El Dorado County, CA & compare the best quotes from them.
Homeowners Insurance in El Dorado County, CA
The average cost of homeowners insurance in El Dorado County, California, is $1037.88. A home insurance policy covers the cost of repairing or replacing your house in case of any damage to your property by natural calamities such as fire, earthquake, flood, or any other danger such as burglary or theft. Buying a home is a notable investment, and homeowners must protect their investment from potential risks.
Many home insurance companies in El Dorado County, CA, offer homeowners policies, but as a homeowner, finding the right one, or the most affordable or cheap, can be tricky. Here are a few cheapest home insurance providers in El Dorado County, CA.
Factors influencing home insurance in El Dorado County, CA:
1. Home insurance rates by coverage levels
2. Home insurance rates by deductibles
3. Home insurance rates by age of the home
4. Home insurance rates by materials used
Homeowners insurance in El Dorado County - Rates by Coverage Levels
California is a beautiful place to live, but it is also famous for its natural disasters, such as frequent wildfires, high winds, and winter storms. With the increase in natural calamities, it is good to take up a little expense to avoid a substantial financial setback in the future. Start shopping for home insurance in El Dorado County, CA, by exploring the coverage options offered by the insurance providers.
Homeowners insurance in El Dorado County - Rates by deductibles
In order to file a claim, a homeowner must meet their deductible, which could range anywhere from $500 to $2,000 or more. A deductible is the amount of money you will pay out of pocket before your insurance company pays its share. The higher your deductible, the lower your home insurance cost.
For home insurance in El Dorado County, CA, a deductible may range from $746 to $1026. Homeowners paying a high deductible of 2000 and 2500 can avail of home insurance for $793 and $746, respectively. In contrast, homeowners paying a low deductible of 500 pay $1026 for home insurance in El Dorado County, California.
Homeowners insurance in El Dorado County - Rates by home's age
As the years pass, materials and systems used to construct your home also age with time. The walls crack, the roof becomes less resistant to fire, plumbing breaks down, and electrical wires may become exposed. Therefore, insurance providers consider the age of the home while determining the cost of home insurance in El Dorado County, California.
Homes built 30 years ago pay $1054, whereas homes above 50 years of age pay $1078 on home insurance in El Dorado County, California. Newly constructed homes are offered a discount on home insurance as they are less prone to damages. Newly built homes in El Dorado County pay $810.
Homeowners insurance in El Dorado County - Rates by materials used
Homeowners must consider using durable construction materials while building their homes. This will help them stay safe and assist in saving on insurance premiums. A tough, durable exterior will decrease the risk of being damaged by natural disasters such as flooding and fires, which are likely to occur in El Dorado County, CA, California. Therefore, insurance providers.
For instance, homes built with hail-resistant roofs pay $1018, whereas homes constructed with materials like Masonry and Brick pay $986 in El Dorado County, CA.
Top Home Insurance Companies in El Dorado 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 State Farm Home Insurance Agents in El Dorado County, CA
| Homeowners Insurance Agents | Agent Address | Contact Details | ||
|---|---|---|---|---|
| Randy Mcfarland | 900 Fulton Ave Ste 270 95825 |
(916) 925-1900 | ||
| Billy Ray Roberson | 414 Vernon St Ste 100 95678-2641 |
916-786-3700 | ||
| Raul Lopez | 801 Riverside Ave Ste 207 www.agentraul.com 95678 |
(916) 780-0414 | ||
| Jim Phillips | 231 CHERRY AVE STE 300 www.jimphillips.us 95603 |
530-823-3733 | ||
| Greg Hicks | 9288 Madison Ave www.greghicks.net 95662 |
(916) 988-1231 | ||
| Prem Das | 450 Main St Ste 3 95658 |
(916) 663-9212 | ||
| Court Stotts | 5056 Sunrise Blvd www.courtstotts.com 95628-4943 |
916-966-7877 | ||
| Michael Evans | 2365 El Camino Ave, #6 95821 |
|||
| Erik Fast | 935 Roseville Pkwy Ste 130 www.erikfast.com 95678 |
(916) 787-1271 | ||
| Keith Akins | 4777 SUNRISE BLVD #B 95628 |
916-966-3733 |
| Homeowners Insurance Agents | Agent Address | Contact Details | ||
|---|---|---|---|---|
| Keith & Lowrimore Insurance Agency | 800 HOWE AVE STE 210 www.klins.net 95825 |
916-488-1400 Email:brad.keith@klinsurance.comcastbiz.net |
||
| Aai-Andy Roy | 947 Enterprise Dr Ste I www.affordableamericaninsurance.com 95825-3940 |
916-927-0546 | ||
| Pathfinder Ll&D Insurance Group Llc | 4777 SUNRISE BLVD STE B www.pathfinderlld.com 95628 |
(916) 966-3733 Email:ecom@pathfinderlld.com |
||
| Absolute Assurance Agency Llc | 10775 Pioneer Trl Ste 211C 96161-0234 |
530-550-1400 | ||
| Fiorella Insurance Agency Inc | 4240 Rocklin Rd Ste 4 95677 |
(916) 844-2641 | ||
| Granger Group Insurance | 561 7Th St Ste B www.grangergroupfw.com 95648 |
(916) 408-6820 | ||
| Wiaa Insurance Services | 516 Gibson Drive Suite 240 www.wiaagroup.org 95678 |
(916) 380-5300 | ||
| Preferred Source For Insurance | 9300 Madison Ave Ste 201 95662 |
(916) 798-9541 Email:epowell@preferredsourceinc.com |
||
| Marthas Vineyard Insurance | 5006 Sunrise Blvd STE 102 95628 |
(916) 844-1500 | ||
| Ea-Albright Investment Co Inc | 2483 Sunrise Blvd www.albrights.biz 95670 |
(916) 852-2060 |
| Homeowners Insurance Agents | Agent Address | Contact Details | ||
|---|---|---|---|---|
| Martha Sue Harris | 2360 E Bidwell St STE 111 95630 |
(916) 817-6250 | ||
| Martha Sue Harris | 993 Governor Dr STE 101 95762-4290 |
(916) 439-9378 | ||
| Auffarth & Associates Llc | 8940 Greenback Ln Ste 150 95662-4649 |
916-989-2144 | ||
| All About Insurance Agency Ltd | 2941 Sunrise Blvd Ste 250 95742-7204 |
916-482-3300 | ||
| Daniel J Mcginley | 2331 El Camino Ave 95821-5610 |
916-488-2213 | ||
| O Brien Agency Inc | 5 SIERRA GATE PLZ STE 150 95678 |
(916) 784-1008 | ||
| Martha Sue Harris | 8303 Sierra College BLVD STE 110 95661 |
(916) 960-0255 | ||
| Walker Ins Group Inc | 1576 Highway 395 89423 |
|||
| Be All You Can Be Inc. Dba Brian Barber Insurance | 3617 Marconi Ave 95821-5309 |
916-920-2886 | ||
| Andy W Bleggi | 12417 Fair Oaks Blvd Ste 400 95628-2580 |
916-723-4700 |
| Homeowners Insurance Agents | Agent Address | Contact Details | ||
|---|---|---|---|---|
| Christopher Hayden | 451 Parkfair Dr Ste 2 95864-7249 |
916-487-5151 | ||
| Daniel Brown | 3420 Coach Lane #4 95682-8406 |
916-933-1757 | ||
| Randy L Smith | 3400 Bradshaw Rd Ste C 95827 |
(916) 636-0115 | ||
| Michelle Mcrae | 9300 Madison Ave Ste 100 95662 |
(800) 400-6394 | ||
| Ted Todd | 7021 Timber Trail Loop 95762 |
|||
| Randy Mathews | 11171 Sun Center Dr Ste 110 95670 |
(916) 366-8196 | ||
| Keith Hallacher | 5750 W OAKS BLVD STE 140 95765 |
800-228-3380 | ||
| Jim Parolin | 193 BLUE RAVINE RD STE 180 95630 |
916-988-9080 | ||
| Arzak Mobarak | 1476 Highway 395 North 89410 |
775-782-5102 | ||
| Alain Welty | 439 Sutter Hill Rd 95685 |
209-267-5405 |
| Homeowners Insurance Agents | Agent Address | Contact Details | ||
|---|---|---|---|---|
| Anderson Insurance Inc. | 550 Main St Ste A 95619-9177 |
530-626-4020 | ||
| Brian Jarrells | 937 Tahoe Blvd Ste 110 89451-9482 |
775-831-9700 | ||
| Preferred Insurance Services Inc | 6937 Douglas Blvd www.preferins.com 95746 |
(530) 885-8800 | ||
| Coringrato Insurance Agency | 185 Linden Avenue 95603-5267 |
530-823-5330 | ||
| Preferred Insurance Solutions Llc | 187 Blue Ravine Rd Ste 130 95630 |
(916) 597-1080 | ||
| Preferred Insurance Group Inc. | 830 Lincoln Way 95603 |
(530) 888-8013 | ||
| Keith A Shrider | 1111 HOWE AVE BLDG 100 STE 155 2ND FLR 95825 |
916-925-5155 | ||
| Ellis P Martin Insurance Agency Inc. | 9045 Fair Oaks Blvd Ste C 95608 |
(916) 944-5090 | ||
| Burchfiel-Overbay & Associates | 11045 Donner Pass Rd Ste 1A 96161-4858 |
530-587-3883 | ||
| Rodbro Insurance Agency | 7932 Sunset Ave Ste G 95628 |
(916) 961-3436 |
| 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 El Dorado County, CA
| Travelers | State Farm | Erie | |
| Median Home Value ($) | 425,310 | 435,310 | 385,310 |
| Construction year | 2004 | 1994 | 1979 |
| Home Coverage ($) | $500000-$600000 | $800000-$900000 | $500000-$600000 |
| Total Premium ($) | $1815 | $2720 | $1375 |
El Dorado County, CA Multi Policy Discounts by Home Insurance Companies
| Home Insurance Company | Multi Policy Discount (%) |
|---|---|
| Travelers | upto 8% |
| Nationwide | upto 9% |
| Allstate | upto 16% |
| Erie | upto 24% |