Top 5 Home Insurance Companies in Galt, CA
Check out the most popular Home Insurance agencies & companies in Galt, CA & compare the best quotes from them.
Affordable Homeowners Insurance in Galt, CA
Owning a home is a significant investment, and it's essential to protect it with homeowners insurance. However, finding affordable homeowners insurance in Galt, CA, can be a challenge. The average cost of homeowners insurance in Galt, CA, is $843. Homeowners must balance obtaining adequate coverage and keeping insurance costs within their budget. Several factors can influence homeowners insurance rates, including the age and condition of the home, location, coverage level, deductible amount, and safety features. By understanding these factors and comparing rates from different insurance companies, homeowners in Galt, CA, can find affordable insurance that suits their coverage needs and budget. In this article, we'll explore tips and tricks to find affordable homeowners insurance in Galt, CA, without compromising coverage.
Here are a few of the best insurance providers in Galt, CA.
Factors Affecting Home Insurance in Galt, CA:
1. Home insurance rates by coverage levels
2. Home insurance rates by deductibles
3. Home insurance rates by the age of the house
4. Home insurance rates by the safety features
Homeowners Insurance in Galt, CA - Rates by Coverage Level
In Galt, CA, homeowners insurance rates can also be influenced by the coverage level selected by the homeowner. A higher coverage level generally means that the insurance company will pay out more money in the event of a claim, which can result in higher insurance premiums. Conversely, a lower coverage level means that the homeowner is taking on more risk themselves, which can result in lower premiums. Homeowners can choose from various coverage levels when selecting their insurance policy, including basic coverage, standard coverage, and premium coverage. The specific rates offered by insurance companies will depend on various factors, including the home's age and condition, the property's location, the deductible amount selected by the homeowner, and the specific coverage options selected. For example, homeowners who opt for coverage of $200K pay $512 on home insurance in Galt, CA.
Refer to the chart below to know the applicable home insurance rates in Galt, CA., based on the coverage level.
Homeowners Insurance in Galt, CA - Rates by Deductibles
In Galt, CA, the amount of the deductible selected by a homeowner can have an impact on the rates for their homeowners insurance policy. The deductible is the amount of money that the homeowner is responsible for paying out of pocket before their insurance coverage kicks in. Homeowners who choose a higher deductible will generally pay lower insurance premiums, as they are taking on more risk themselves. On the other hand, homeowners who choose a lower deductible will generally pay higher premiums, as the insurance company is taking on more risk. For example, homeowners in Galt, CA, choose a $2500 deductible to pay $605 for their house insurance. In Galt, CA, homeowners who choose a $500 deductible pay $833 for their house insurance.
Homeowners Insurance in Galt, CA - Rates by the Age of the Home
Homeowners insurance rates in Galt, CA, can be influenced by the age of the home. Older homes may have outdated electrical or plumbing systems that can increase the risk of damage or accidents occurring. As a result, insurance companies may offer higher rates to homeowners with older homes. On the other hand, newer homes are often built with modern materials and systems that are less prone to damage, which can lower the risk of insurance claims being filed. Homeowners with newer homes may be eligible for lower insurance rates. For instance, homes in Galt, California, that are 30 or 40 years old cost $855 and $865 in insurance, respectively. In contrast, homeowners insurance for newly built homes in Galt, California, costs $632.
Homeowners Insurance in Galt, CA - Rates by the Safety Features
Homeowners insurance rates in Galt, CA, are influenced by several factors, including the safety features present in a home. Insurance companies consider safety features as a positive attribute that can lower the risk of an insurance claim being filed. Features such as security systems, fire prevention measures, storm protection, and other safety features can help reduce the likelihood of accidents or damage occurring. As a result, homeowners who have these safety features in place may be eligible for lower insurance rates. For example, homes equipped with fire extinguishers and deadbolts pay $750 and $767 on home insurance in Galt, CA.
Top Home Insurance Companies in Galt, CA
| Home Insurance Company | A.M. Best Financial Strength Rating | Homeowners Insurance Market share |
|---|---|---|
| State Farm | A | 17.56% |
| Liberty Mutual | A | 6.24% |
| Allstate | A+ | 5.91% |
| Erie | A+ | 5.4% |
| Nationwide | A+ | 4.15% |
Top Erie Home Insurance Agents in Galt, CA
| Homeowners Insurance Agents | Agent Address | Contact Details | ||
|---|---|---|---|---|
| Rattunde-Ott-Ginzl Agency | 180 Promenade Cir Ste 300 95834 |
(916) 437-0566 | ||
| Preferred Insurance Services Inc | 6806 Fallsbrook Ct Ste 1 www.preferins.com 95746 |
(408) 265-5200 | ||
| Crossing Insurance Group | 7210 Greenhaven Drive www.crossinginsurance.com 95831-3576 |
916-427-1332 | ||
| Finney Insurance Agency Inc. | 2240 Lake Wa Blvd Ste 105 95691 |
(916) 372-4480 | ||
| Kehl Insurance Shoppe | 8250 CALVINE RD STE C-346 95828 |
916-437-4333 | ||
| Daniel J Mouch & Associates Inc. | 2710 Arden Way 95825-1365 |
916-482-5328 | ||
| Ellis P Martin Insurance Agency Inc. | 9045 Fair Oaks Blvd Ste C 95608 |
(916) 944-5090 | ||
| Rattunde-Ott Agency | 4221 Northgate Blvd Ste 1 95834 |
(916) 564-9911 | ||
| 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 |
| Homeowners Insurance Agents | Agent Address | Contact Details | ||
|---|---|---|---|---|
| Jim Ottomano | 203 LITTLETON CT 95630 |
800-793-5235 | ||
| Ricardo Hernandez | 1108 Waterloo Rd Ste 7 95205 |
(209) 405-2440 | ||
| Angie Batten | 2920 Cold Springs Rd Ste A 95667-4236 |
530-626-5201 | ||
| Brown Ins Group | 2051 Main St 94561-3302 |
925-679-1500 | ||
| Kathy Waterbury | 1455 Response Road, Suite 260 95815 |
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| Marianne Viola | 2540 Pacific Ave STE 1 95204-4400 |
(209) 957-9433 | ||
| Bob Harris | 6200 Center St Ste A 94517-1447 |
925-672-2300 | ||
| Jim Parolin | 193 BLUE RAVINE RD STE 180 95630 |
916-988-9080 | ||
| Jeffrey Tzen | 1491 East G Street 95361 |
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| Jeffery Cope | 6245 PLEASANT VALLEY RD 95623 |
530-622-9300 |
| Homeowners Insurance Agents | Agent Address | Contact Details | ||
|---|---|---|---|---|
| Bph Insurance And Financial Services Inc. | 2840 Del Paso Rd Ste 300 95834-9704 |
916-575-7600 | ||
| Martha Sue Harris | 993 Governor Dr STE 101 95762-4290 |
(916) 439-9378 | ||
| Randy Jones & Associates Inc | 9240 Laguna Springs Dr Ste 101 95758 |
(916) 588-7719 | ||
| Harold R. Wyatt Inc. | 541 W Grant Line Rd Ste 151 95376 |
(209) 879-9673 | ||
| Palmer Agency Lp | 5011 GOLDEN FOOTHILL PKWY STE 1 95762 |
916-989-9100 | ||
| Daniel J Mcginley | 2331 El Camino Ave 95821-5610 |
916-488-2213 | ||
| Randy Jones & Associates Inc | 9240 Laguna Springs Dr Ste 101 95758 |
(916) 588-7719 | ||
| Paula L Ratliff Agency Inc | 62 E 11th St 95376 |
(209) 229-8492 | ||
| Christopher H Born Lutcf | 2050 Peabody Rd Ste 200 95687-6695 |
707-447-4697 | ||
| Martha Sue Harris | 8303 Sierra College BLVD STE 110 95661 |
(916) 960-0255 |
| Homeowners Insurance Agents | Agent Address | Contact Details | ||
|---|---|---|---|---|
| Michael Truett | 2450 Venture Oaks Way Suite 200 95833 |
1-916-649-1246 | ||
| Randy L Redler | 4815 LAGUNA PARK DR STE A 95758 |
(916) 395-3939 | ||
| Michael S Albright Lutcf | 2450 Venture Oaks Way Suite 200 95833 |
1-916-649-1246 | ||
| Peter Flood | 411 Davis St Ste 107 95688 |
(707) 580-6363 | ||
| Joshua Fischbein | 11190 SUN CENTER DR STE 100 95670 |
916-443-4221 | ||
| Randy Mabrey | 11171 Sun Center Dr Ste 110 95670 |
(916) 366-8196 | ||
| Peter Harris | 2197 Railroad Ave 94565 |
(925) 252-1000 | ||
| Roderick Bohn | 919 Reserve Dr 95678 |
(916) 645-1001 | ||
| Ashley Burgett Lutcf | 521 W Kettleman Ln 95240-6005 |
209-339-9953 | ||
| Paul Bianco Lutcf | 1990 ALAMO DR STE 1 95687 |
(707) 446-9864 |
| Homeowners Insurance Agents | Agent Address | Contact Details | ||
|---|---|---|---|---|
| Norma Frauhiger | 5800 STANFORD RANCH RD STE 320 www.normafrauhiger.com 95765 |
(916) 415-1930 | ||
| Jon Whited | 1632 DOUGLAS BLVD www.modestoinsurance.net 95661 |
916-791-4033 | ||
| Jeff Wilcox | 3507 TULLY RD STE 100 95356 |
209-557-0501 | ||
| Randy Wagner | 2208 Plaza Dr Ste 120 www.randywagneragency.com 95765 |
(916) 757-3293 | ||
| Randy Taylor Clu, Cpcu, Chfc | 10831 Combie Rd Ste A 95602 |
(530) 268-0582 | ||
| Carlos Marron | 5500 Madison Ave Ste B www.insurancebycarlos.com 95841-3149 |
916-334-5466 | ||
| Keith Goree | 605 G STREET SUITE 230 www.keithgoree.com 95648 |
916-645-2926 | ||
| Dwan Johnson-Bell | 5433 Clayton Rd Ste A www.ringmybellagent.com 94517 |
(925) 673-2170 | ||
| Jim Paffhausen | 1568 CREEKSIDE DR STE 106 www.jimpaffhausen.com 95630 |
916-983-2561 | ||
| Ric Wilcox | 1139 E Kettleman Ln Ste 102 www.ricwilcox.com 95240 |
(209) 368-3000 |
| 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 Galt, CA
| State Farm | Erie | Nationwide | |
| Median Home Value ($) | 356,460 | 296,460 | 356,460 |
| Construction year | 2000 | 2002 | 1995 |
| Home Coverage ($) | $200000-$250000 | $175000-$200000 | $200000-$250000 |
| Total Premium ($) | $1016 | $977 | $1034 |
Galt, CA Multi Policy Discounts by Home Insurance Companies
| Home Insurance Company | Multi Policy Discount (%) |
|---|---|
| Erie | upto 20% |
| Allstate | upto 15% |
| Nationwide | upto 7% |
| Liberty Mutual | upto 18% |