Top 5 Home Insurance Companies in Grass Valley, CA
Check out the most popular Home Insurance agencies & companies in Grass Valley, CA & compare the best quotes from them.
How to Find Affordable Homeowners Insurance in Grass Valley, CA
The average cost of homeowners insurance in Grass Valley, CA, is $896.64. Homeowners must consider taking home insurance in Green Valley to protect their homes and belongings. Whether it’s direct damage or items stolen from a home, homeowners insurance can cover the financial loss due to any accidents.
Before purchasing any insurance plan for your home, shop around and explore different companies to get the best deal. Here are a top home insurance companies in Grass Valley, CA, offering reasonable and affordable homeowners insurance.
Factors affecting home insurance in Grass Valley, 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 Grass Valley, CA - Rates by coverage level
Homeowner's insurance coverage covers the expenses caused by perils, including theft, fire, wind damage, etc. It also includes liability coverage. There is a specific limit for each type of coverage. It may vary from one individual to another. For example, homeowners who opt for a coverage level of $300K pay $1041 on home insurance in Grass Valley, CA. In contrast, homeowners who opt for a coverage level of $100K pay $302 on home insurance in Grass Valley, CA.
Refer to the chart below to know the applicable home insurance rates in Grass Valley, CA, based on the coverage level.
Homeowners Insurance in Grass Valley, CA - Rates by deductibles
Home insurance deductibles are the amount you pay out of pocket towards a claim. Higher deductibles mean you will pay less on home insurance in Grass Valley, CA. Typically, the higher your deductible, the lower your home insurance rates in Grass Valley, CA. For example, homeowners who opted for a deductible of 2500 pay $644 towards their home insurance in Grass Valley, CA. Homeowners who opted for a deductible of 500 pay $886 towards their home insurance in Grass Valley, CA. Hence, the higher the deductible, the lower the home insurance rates in Grass Valley, CA.
Homeowners Insurance in Grass Valley, CA - Rates by the age of the home
The age of the house is a significant factor that insurance companies consider to determine the cost of homeowners insurance in Grass Valley, CA. Insurance companies charge high homeowners insurance rates to old homes as they are more likely to face structural damage or repairs. Eventually, this will lead to more claims by homeowners. Therefore, the home insurance rate in Grass Valley, CA, for an old home is higher than for a newly built home. For example, homes that are 30 or 40 years old pay $911 and $920 on homeowners insurance in Grass Valley, CA. In contrast, newly built homes pay $691 on homeowners insurance in Grass Valley, CA.
Homeowners Insurance in Grass Valley, CA - Rates by the safety features
Installing cutting-edge safety features in your home can help you lower your home insurance in Grass Valley, CA. Safety features decrease the chances of damage, resulting in fewer claims that insurance companies have to payout. Therefore, employing safety features like fire extinguishers, smoke detectors, etc., can get you low home insurance in Grass Valley, CA. For example, homes equipped with fire extinguishers and deadbolts pay $807 and $772 on home insurance in Grass Valley, CA.
Top Home Insurance Companies in Grass Valley, CA
| Home Insurance Company | A.M. Best Financial Strength Rating | Homeowners Insurance Market share |
|---|---|---|
| Liberty Mutual | A | 6.24% |
| Allstate | A+ | 5.91% |
| Erie | A+ | 5.4% |
| Nationwide | A+ | 4.15% |
| Travelers | A++ | 3.18% |
Top Erie Home Insurance Agents in Grass Valley, CA
| Homeowners Insurance Agents | Agent Address | Contact Details | ||
|---|---|---|---|---|
| Rattunde-Ott Agency | 4221 Northgate Blvd Ste 1 95834 |
(916) 564-9911 | ||
| Finney Insurance Agency Inc. | 2240 Lake Wa Blvd Ste 105 95691 |
(916) 372-4480 | ||
| Paul Sprowls Agency Inc | 1751 Oro Dam Blvd E Ste 6 95966 |
(530) 533-5151 | ||
| Adirondack Regional Insurance Inc. | 3358 Mather Field Rd 95670-5966 |
916-366-5555 | ||
| 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 | ||
| Burchfiel-Overbay & Associates | 11045 Donner Pass Rd Ste 1A 96161-4858 |
530-587-3883 | ||
| Preferred Insurance Services Inc | 6806 Fallsbrook Ct Ste 1 www.preferins.com 95746 |
(408) 265-5200 | ||
| Rattunde-Ott-Ginzl Agency | 180 Promenade Cir Ste 300 95834 |
(916) 437-0566 | ||
| Anderson Insurance Inc. | 550 Main St Ste A 95619-9177 |
530-626-4020 |
| Homeowners Insurance Agents | Agent Address | Contact Details | ||
|---|---|---|---|---|
| R & T Insurance Agency Inc | 1613 Eureka Rd Ste 300 95661 |
(916) 878-5160 | ||
| Marthas Vineyard Insurance | 5006 Sunrise Blvd STE 102 95628 |
(916) 844-1500 | ||
| Pathfinder Ll&D Insurance Group Llc | 4777 SUNRISE BLVD STE B www.pathfinderlld.com 95628 |
(916) 966-3733 Email:ecom@pathfinderlld.com |
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| Brazos Insurance Agency Inc | 2160 Sunset Blvd Ste 504 95765-4790 |
916-774-0800 | ||
| Aai-Andy Roy | 947 Enterprise Dr Ste I www.affordableamericaninsurance.com 95825-3940 |
916-927-0546 | ||
| Glocker & Company Inc | 1054 Live Oak Blvd # 1 www.glocker.com 95991 |
(530) 674-3300 Email:insurance@glocker.com |
||
| Preferred Personal Insurance Agency Llp | 9300 Madison Ave Ste 201 www.ppia-ins.com 95662 |
(916) 798-9541 | ||
| Cornerstone Insurance Group Inc | 1035 Jefferson Blvd 95691-3343 |
916-371-4730 | ||
| Granger Group Insurance | 561 7Th St Ste B www.grangergroupfw.com 95648 |
(916) 408-6820 | ||
| Preferred Insurance Agency Inc | 750 Oak Avenue Pkwy Ste 160 www.preferredinsuranceagency.com 95630 |
(916) 984-7400 |
| Homeowners Insurance Agents | Agent Address | Contact Details | ||
|---|---|---|---|---|
| Bph Insurance And Financial Services Inc. | 2840 Del Paso Rd Ste 300 95834-9704 |
916-575-7600 | ||
| Be All You Can Be Inc. Dba Brian Barber Insurance | 3617 Marconi Ave 95821-5309 |
916-920-2886 | ||
| O Brien Agency Inc | 5 SIERRA GATE PLZ STE 150 95678 |
(916) 784-1008 | ||
| Martha Sue Harris | 1831 Iron Point Rd Suite 140 95630-8762 |
(916) 668-8000 | ||
| Daniel J Mcginley | 2331 El Camino Ave 95821-5610 |
916-488-2213 | ||
| Auffarth & Associates Llc | 8940 Greenback Ln Ste 150 95662-4649 |
916-989-2144 | ||
| Carline E Legros | 185 Linden Ave 95603-5267 |
530-823-5330 | ||
| Myra Cannon | 3841 N FREEWAY BLVD STE 150 95834 |
916-568-1121 | ||
| Martha Sue Harris | 2360 E Bidwell St STE 111 95630 |
(916) 817-6250 | ||
| Martha Sue Harris | 8303 Sierra College BLVD STE 110 95661 |
(916) 960-0255 |
| Homeowners Insurance Agents | Agent Address | Contact Details | ||
|---|---|---|---|---|
| Roderick Bohn | 919 Reserve Dr 95678 |
(916) 645-1001 | ||
| Michael Truett | 2450 Venture Oaks Way Suite 200 95833 |
1-916-649-1246 | ||
| Joshua Fischbein | 11190 SUN CENTER DR STE 100 95670 |
916-443-4221 | ||
| Michael S Albright Lutcf | 2450 Venture Oaks Way Suite 200 95833 |
1-916-649-1246 | ||
| Randy Mabrey | 11171 Sun Center Dr Ste 110 95670 |
(916) 366-8196 |
| Homeowners Insurance Agents | Agent Address | Contact Details | ||
|---|---|---|---|---|
| Randy Mcdonald | 2865 Sunrise Blvd Ste 222 95742 |
(916) 801-6716 | ||
| Lavone Roberson | 2021 P ST 95811 |
916-313-6100 | ||
| D Schuppler & Assoc | 1390 Broadway, Suite C 95667-5900 |
530-622-1820 | ||
| Ratliff And Ratliff Ins. Llc | 4045 N Freeway Blvd 95834 |
(916) 921-6177 | ||
| Ted Todd | 7021 Timber Trail Loop 95762 |
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| Clayton Colvard | 11965 Heritage Oak Pl 95603-2461 |
530-885-5104 | ||
| Jim Phillips | 9197 GREENBACK LN STE E 95662 |
916-988-0214 | ||
| Randy Walker | 5701 Lonetree Blvd Ste 109 95765 |
(916) 626-3300 | ||
| Rene Huurman | 3315 Elkhorn Blvd 95660 |
(916) 913-1812 | ||
| Atwater Agency Inc | 4700 Northgate Blvd Ste 145 95834-1147 |
916-564-7000 |
| 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 Grass Valley, CA
| Nationwide | Erie | Allstate | |
| Median Home Value ($) | 338,510 | 388,510 | 378,510 |
| Construction year | 1986 | 2004 | 2013 |
| Home Coverage ($) | $350000-$400000 | $350000-$400000 | $400000-$500000 |
| Total Premium ($) | $877 | $1000 | $1057 |
Grass Valley, CA Multi Policy Discounts by Home Insurance Companies
| Home Insurance Company | Multi Policy Discount (%) |
|---|---|
| Erie | upto 16% |
| Travelers | upto 7% |
| Nationwide | upto 9% |
| Liberty Mutual | upto 15% |
| Allstate | upto 23% |