Top 5 Home Insurance Companies in Folsom, CA
Check out the most popular Home Insurance agencies & companies in Folsom, CA & compare the best quotes from them.
Discounts Available on Homeowners Insurance in Folsom, CA
The average cost of homeowners insurance in Folsom, CA, is $1228.5. Most homeowners may consider home insurance as insignificant and frivolous in the present time, but it can prove extremely beneficial in times of great need. Home insurance is a safety net that protects your house against natural calamities and accidents such as fire, vandalism, theft, floods, and more. In order to avail the best homeowners insurance in Folsom, CA, homeowners must compare all types of insurance policies, discounts, and quotes offered by insurance companies. Insurance policy terms may vary from one company to another. Here are a top home insurance companies in Folsom, CA.
Factors affecting home insurance in Folsom, CA :
1. Homeowners insurance rates by coverage levels
2. Homeowners insurance rates by deductibles
3. Homeowners insurance rates by the age of the home
4. Homeowners insurance rates by the safety features
Homeowners Insurance Folsom, CA - Rates by coverage level
Homes in California are more prone to be pounded by tropical storms and floods. Therefore, it is essential to get the required coverage to protect your home and belongings. Homeowners must select for sufficient coverage amount that protects their house necessities during a covered loss. For example, homeowners opting for $300K coverage pay $1038 on home insurance in Folsom, CA.
Homeowners Insurance Folsom, CA - Rates by deductibles
A home insurance deductible is an amount you agree to pay towards a covered loss. Many homeowners in Folsom select a higher deductible to keep their premiums low. Therefore, a home insurance deductible is your responsibility and covers a set amount before your insurer pays the rest. For example, homeowners who opted for a deductible of $1000 pay $1099 towards their home insurance in Folsom, CA. Homeowners who opted for a deductible of 500 pay $1214 towards their home insurance in Folsom, CA.
Homeowners Insurance Folsom, CA - Rates by the age of the home
As the house ages, it will need more regular maintenance checks and repairs. Several explanations could infer that an older home is more prone to break-ins and vandalism. For instance, older homes may have outdated security systems and weak door locks. Older houses do not contain the latest security technologies, exposing them to burglary, blazes, and other unfortunate events. Therefore, insurance companies charge high home insurance rates to old homes than newly constructed homes. For example, homes that are 40 years old pay a premium of $1261 in Folsom, CA, whereas newly built homes pay $983 on homeowners insurance in Folsom, CA.
Homeowners Insurance Folsom, CA - Rates by the safety features
The prime objective of safety features is to mitigate the risk. Hence, the lower the risk of theft or fire, the lesser the home insurance rates in Folsom, CA. For example, homes equipped with fire extinguishers pay $1105.65 on home insurance in Folsom, CA. Therefore, home insurance companies in Folsom, CA, offer discounts on homeowners insurance for installing safety features to protect your home and its content.
Top Home Insurance Companies in Folsom, CA
| Home Insurance Company | A.M. Best Financial Strength Rating | Homeowners Insurance Market share |
|---|---|---|
| State Farm | A | 17.56% |
| GEICO | A++ | 13.8% |
| Allstate | A+ | 5.91% |
| Erie | A+ | 5.4% |
| Travelers | A++ | 3.18% |
Top Erie Home Insurance Agents in Folsom, CA
| Homeowners Insurance Agents | Agent Address | Contact Details | ||
|---|---|---|---|---|
| Edwards Insurance Agency | 2505 Riparian Dr Ste 170 95757 |
(916) 429-2900 | ||
| Rodbro Insurance Agency | 7932 Sunset Ave Ste G 95628 |
(916) 961-3436 | ||
| C Group Insurance Llc | 4711 Manzanita Ave 95608-0822 |
916-483-6091 | ||
| 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 | ||
| Crossing Insurance Group | 8110 Pocket Road www.crossinginsurance.com 95831 |
916-428-7370 | ||
| Preferred Insurance Solutions Llc | 187 Blue Ravine Rd Ste 130 95630 |
(916) 597-1080 | ||
| Daniel J Mouch & Associates Inc. | 2710 Arden Way 95825-1365 |
916-482-5328 | ||
| Wm Schwartz & Company | 275 North First Street 95620 |
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| Adirondack Regional Insurance Inc. | 3358 Mather Field Rd 95670-5966 |
916-366-5555 |
| Homeowners Insurance Agents | Agent Address | Contact Details | ||
|---|---|---|---|---|
| C. Aguillard Agy | 8084 Old Auburn Rd Ste B 95610-2559 |
916-726-1864 | ||
| Rena Gilliam | 2120 Pacific Ave 95204 |
(209) 944-9400 | ||
| Anthony Cancel | 1849 Iron Point Rd Ste 100 95630-8760 |
916-355-1010 | ||
| Dean Barnes | 2240 Lake Washington Blvd Ste 105 95691 |
(916) 288-9090 | ||
| Raul Mondragon Ii | 510 Bercut Dr Ste F 95811 |
(916) 447-9797 | ||
| Jefferson Ins Agcy | 1949 W KETTLEMAN LN STE 200 95242 |
209-210-6968 | ||
| Chad Owen | 8110 Pocket Rd Ste 201 95831-5829 |
916-428-7370 | ||
| Jim Ottomano | 203 LITTLETON CT 95630 |
800-793-5235 | ||
| Ricardo Hernandez | 1108 Waterloo Rd Ste 7 95205 |
(209) 405-2440 | ||
| Norma Contreras | 443 CROWN POINT CIR STE A 95945 |
(800) 682-8476 |
| Homeowners Insurance Agents | Agent Address | Contact Details | ||
|---|---|---|---|---|
| Brian Maddox | 3422 W Hammer Ln Ste G www.brianmaddox.net 95219-5493 |
209-473-9401 | ||
| Keith Gates | 101 PROVIDENCE MINE RD STE 205 www.keithgates.net 95959 |
530-470-1250 | ||
| Olga Hakanson | 622 MAIN ST 95695 |
(530) 662-9181 | ||
| Ric Wilcox | 1139 E Kettleman Ln Ste 102 www.ricwilcox.com 95240 |
(209) 368-3000 | ||
| Rena Macdonald | 4560 N Pershing Ave Ste B www.renamacdonald.com 95207 |
(209) 957-6000 | ||
| Roy Stills | 2215 16th St www.roystills.com 95818 |
(916) 442-5512 | ||
| Randy Taylor Clu, Cpcu, Chfc | 10831 Combie Rd Ste A 95602 |
(530) 268-0582 | ||
| Jeff Wieden | 168 MAIN ST 95642 |
209-223-4040 | ||
| Brenda Whitman | 175 N 1st St www.whitmansf.com 95620-3025 |
707-676-5600 | ||
| Michelle Miller | 4180 Douglas Blvd Ste 100 www.michellemillerosceola.com 95746 |
(916) 388-2340 |
| Homeowners Insurance Agents | Agent Address | Contact Details | ||
|---|---|---|---|---|
| Preferred Insurance Center | 750 Oak Avenue Pkwy Ste 160 www.preferredcenter.com 95630 |
(916) 984-7400 | ||
| Lawley Services Inc | 1510 POOLE BLVD STE 108 95993 |
530-755-2300 | ||
| Worldwide Ins Net Inc-Mn | 81 Blue Ravin Road, Suite 100 www.smartchoiceagents.com 95630 |
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| Cardinal Insurance - Manhattan | 1036 W Robinhood Dr Ste 103 www.cardinalins.com 95207-5622 |
209-475-9336 Email:roberta@cardinalins.com |
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| Cafarelli Agency Ltd | 451 1st St 95695-4023 |
530-661-6666 | ||
| Renaissance Alliance Ins Svc | 5250 Claremont Ave # 247 95207 |
(209) 472-3609 Email:VIRGINIA.HANDERHAN@RENAISSANCEINS.COM |
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| B&B Agency Inc | 8031 Fruitridge Rd Ste F 95820-6758 |
916-456-8400 | ||
| Ea-Albright Investment Co Inc | 2483 Sunrise Blvd www.albrights.biz 95670 |
(916) 852-2060 | ||
| Keisler Hipkins & Associates Ins Group Llc | 3636 AMERICAN RIVER DR 2ND FL www.khainsurancegroup.com 95864 |
916-488-3100 Email:info@khainsurancegroup.com |
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| R & T Insurance Agency Inc | 1613 Eureka Rd Ste 300 95661 |
(916) 878-5160 |
| Homeowners Insurance Agents | Agent Address | Contact Details | ||
|---|---|---|---|---|
| Ricardo Hagood | 430 W Lockeford St 95240 |
(209) 333-8080 Email:RHagood@geico.com |
| 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 Folsom, CA
| Erie | GEICO | Allstate | |
| Median Home Value ($) | 481,210 | 421,210 | 471,210 |
| Construction year | 2009 | 1998 | 2003 |
| Home Coverage ($) | $400000-$500000 | $400000-$500000 | $350000-$400000 |
| Total Premium ($) | $1464 | $1023 | $931 |
Folsom, CA Multi Policy Discounts by Home Insurance Companies
| Home Insurance Company | Multi Policy Discount (%) |
|---|---|
| Erie | upto 24% |
| Allstate | upto 20% |
| Travelers | upto 9% |
| GEICO | upto 17% |