Top 5 Home Insurance Companies in Lake County, CA
Check out the most popular Home Insurance agencies & companies in Lake County, CA & compare the best quotes from them.
Cheapest Home Insurance in Lake County, CA
The average cost of home insurance in Lake County, CA, is $609.16. Purchasing home insurance is an essential investment to protect your most significant asset, your home. But many homeowners find themselves paying more than they should for the coverage. Home insurance plays a vital part in protecting your possessions and property during a time of crisis, like natural and man-made calamities. Palrad, through its in-depth research, has explored the factors where homeowners can avail exclusive discounts on homeowners insurance in Lake County, CA.
But before that, it is also necessary to shop around and compare quotes offered by different home insurance companies in Lake County, CA. Lake County's top home insurance providers are Liberty Mutual, Progressive, Mercury, Nationwide, and Allstate. The below chart provides an estimate of the home insurance premium for different policies.
Factors affecting home insurance in Lake County, CA:
1. Home insurance rates by coverage levels
2. Home insurance rates by deductibles
3. Home insurance rates by materials used
4. Home insurance rates by the number of claims
Homeowners insurance in Lake County - Rates by coverage level
Home insurance, or homeowners insurance, is a specific type of insurance policy that protects your home and its contents in the event of a disaster. Specific perils are typically not covered by a homeowner's insurance policy, such as floods and earthquakes. However, insurance providers offer optional coverage to cover these perils, depending on the terms of the policy. Therefore, before shopping for homeowners insurance in Lake County, homeowners must understand all the various kinds of available coverages. For instance, homeowners opting for $100K coverage pay $398 on home insurance in Lake County, CA.
Refer to the chart below to learn the cost of homeowners insurance in Lake County, CA, based on the coverage limit opted by the homeowners.
Homeowners insurance in Lake County - Rates by deductibles
A deductible is an amount a homeowner agrees to pay out-of-pocket before their homeowner's insurance company kicks in and helps pay for the remaining cost of damages or repairs. If a claim occurs, you will be responsible for paying up to your deductible amount before the insurance company pays its portion of the claim. Higher deductibles mean lower premiums. Homeowners willing to pay a lower premium on home insurance in Lake County, CA, should opt for a higher deductible.
Homeowners who opted for a deductible of $1500 pay $513 towards their home insurance in Lake County, CA. Homeowners who choose to pay a low deductible have to pay a higher premium. For instance, homeowners who opted for a deductible of $500 pay $602 towards their home insurance in Lake County, CA.
Homeowners insurance in Lake County - Rates by materials used
Homeowners are advised to use durable materials like brick, ultra-durable polyester canopy, lightweight aluminum frame, etc. Homeowners do not have to worry about minor risks by opting for sturdy materials. Bricks are not only beautiful, but they are also highly durable and can withstand harsher weather. This durability makes them a great option in choosing a new house. This can also lower your homeowner's insurance rates in Lake County, California. For instance, homeowners who use fire-resistive and hail-resistant roofs to build their homes pay $524 and $597, respectively, on homeowners insurance in Lake County, CA.
Homeowners insurance in Lake County - Rates by the number of claims
A policyholder requests an insurance company for coverage or compensation for a covered loss or policy event to file a claim. The claim should include all supporting documentation, such as medical bills, proof of loss, or repair estimates. Homeowners with zero claims pay less for home insurance when compared to homeowners with one or two claims histories. For instance, insured with zero claims can purchase their policy for as low as $530 in Lake County, CA. Homeowners with one or two claims pay around $640 and $695, respectively, on their homeowner's insurance in Lake County, CA.
Top Home Insurance Companies in Lake 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 Travelers Home Insurance Agents in Lake County, CA
| Homeowners Insurance Agents | Agent Address | Contact Details | ||
|---|---|---|---|---|
| Lawley Service - Buffalo | 354 W WOOD ST 95988 |
530-934-7777 | ||
| Purple Ink Insurance Agency Inc | 1200 Main St # B 94574 |
(707) 963-2690 | ||
| Aac Insurance Group | 7765 Healdsburg Ave Ste 3 95472-3355 |
707-823-1111 | ||
| Puglisi Agency Inc | 2460 W 3rd St Ste 210 www.puglisi-insurance.com 95401 |
(707) 843-4729 | ||
| O. M. Hughes Insurance, Inc. | 520 S STATE ST 95482 |
707-462-9725 | ||
| Purdy Ins Agcy Inc- N- Edge | 1275 4th St Ste 105 95404 |
(707) 546-2010 | ||
| Cal Nevada Insurance Agency | 400 E Gobbi St 95482-5512 |
707-462-5696 | ||
| Pulley-White Insurance Agency Inc | 141 Stony Cir Ste 185 www.pulley-whiteinsurance.com 95401 |
(707) 542-2754 | ||
| Alpha Omega Insurance Agency | 525 Mendocino Ave www.alphaomegainsurance.com 95401-5241 |
707-526-3002 Email:service@alphaomegainsurance.net |
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| The Gardner Group | 305 N Culver Ave www.gardnergroup.org 95988 |
Email:info@gardnergroup.org |
| Homeowners Insurance Agents | Agent Address | Contact Details | ||
|---|---|---|---|---|
| Albert Gala | 116 S Main St 95482-4951 |
707-463-0500 | ||
| Daniel Mandel | 637 Healdsburg Ave 95448 |
707-473-0702 | ||
| Graves Cosby Sellman Insurance Agency Inc | 999 Adams St Ste 102 94574 |
(707) 963-2550 | ||
| Puffenbarger Insurance & Financial Services Inc | 8741 Old Redwood Hwy 95492 |
(707) 838-9777 | ||
| David E Angel Jr | 1400 Guerneville Road 95403-4128 |
707-545-6190 | ||
| Puffenbarger Insurance & Financial Services Inc | 92 Windsor River Rd 95492 |
(707) 620-0172 | ||
| Lawver Insurance & Financial Services Inc. | 520 S STATE ST 95482 |
707-462-9725 | ||
| Pujols Ins Services Corp | 835 Piner Rd 95403 |
(707) 545-3000 |
| Homeowners Insurance Agents | Agent Address | Contact Details | ||
|---|---|---|---|---|
| John Sinclair | 703 2ND ST #205 95404 |
707-703-1400 | ||
| Cornerstone Insur | 213 Wappo Avenue 94515-1187 |
707-987-0109 | ||
| John Simonelli | 175 W COLLEGE AVE 95401 |
707-525-4150 | ||
| Nikolaos Rantzos | 800 EDGEWOOD PL 95492 |
(707) 687-2200 | ||
| John Sheren | 100 STONY POINT RD STE 160 95401 |
707-546-2300 | ||
| Cornerstone Insur | 4777 Sonoma Highway 95409-4236 |
707-538-7093 | ||
| Pugmire Agency | 1480 Guerneville Rd Ste A 95403 |
(707) 284-8400 | ||
| Bourg Carmouch Gory | 4777 Sonoma Hwy 95409-4236 |
707-538-7093 | ||
| Paul Scaffidi | 367 Lakeport Blvd 95453 |
(707) 263-7452 | ||
| Ravi Reddy | 13300 E Highway 20 Ste C 95423 |
(707) 998-0100 |
| Homeowners Insurance Agents | Agent Address | Contact Details | ||
|---|---|---|---|---|
| Stuart Brooks | 169 Mason St Ste 200 www.agentbrooks.com 95482 |
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| Walt Mcabee | 2800 Cleveland Ave Ste D Santa\u00a0Rosa 95403 |
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| John Silbernagel | 1220 N DUTTON AVE STE 108 www.johnsilbernagel.com 95401 |
707-542-7700 | ||
| Bob Klinger | 1144 State Farm Dr www.bobklingerinsurance.com 95403-2717 |
707-545-9014 | ||
| Randy Shockey | 650 N Main Street 95453 |
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| Paul Hudson | 39126 Ocean Dr Ste C www.paulhudson.biz 95445 |
(707) 884-1740 | ||
| John Silbernagel | 2800 CLEVELAND AVE STE D www.johnsilbernagel.com 95403 |
707-284-5900 | ||
| Wayne Moore | 899 Adams St, Ste C St\u00a0Helena www.waynemooreinsurance.com 94574 |
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| Tami Rabska | 250 Avenue, 3Rd Floor www.tamirabska.com 95448 |
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| John Simpson | 521 COLLEGE AVE STE 111 www.myagentjohnsimpson.com 95404 |
707-843-5425 |
| Homeowners Insurance Agents | Agent Address | Contact Details | ||
|---|---|---|---|---|
| Pugh Insurance Agency Inc. | 73b Saint James Dr www.jpughinsurance.com 95403 |
(707) 575-5204 | ||
| Pumphrey - Hamel Insurance Llc | 2635 Cleveland Ave Ste 6 www.pumphreyhamel.com 95403 |
(707) 508-9861 | ||
| C B Tomaine Company | 733 S Main St 95490-3913 |
707-459-4044 |
| 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 Lake County, CA
| Erie | State Farm | Allstate | |
| Median Home Value ($) | 193,800 | 163,800 | 183,800 |
| Construction year | 1974 | 1993 | 1980 |
| Home Coverage ($) | $100000-$125000 | $150000-$175000 | $100000-$125000 |
| Total Premium ($) | $1016 | $1219 | $994 |
Lake County, CA Multi Policy Discounts by Home Insurance Companies
| Home Insurance Company | Multi Policy Discount (%) |
|---|---|
| Travelers | upto 9% |
| Nationwide | upto 7% |
| Allstate | upto 17% |
| Erie | upto 16% |