Top 5 Home Insurance Companies in Oakdale, CA
Check out the most popular Home Insurance agencies & companies in Oakdale, CA & compare the best quotes from them.
Affordable Homeowners Insurance in Oakdale, CA
Owning a home is a significant investment, and it's essential to protect it with homeowners insurance. However, finding affordable homeowners in Oakdale, CA, can be a challenge. The average cost of homeowners Oakdale, CA, is $816. 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 Oakdale, 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 Oakdale, CA, without compromising coverage.
Here are a few of the best insurance providers in Oakdale, CA.
Factors Affecting Home Oakdale, 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 Oakdale, CA - Rates by Coverage Level
The level of coverage that homeowners in Oakdale, CA, choose also impacts their insurance rates. Homeowners can choose between different levels of coverage, such as actual cash value, replacement cost, or extended replacement cost. Actual cash value coverage considers the home's depreciation and its contents, while replacement cost coverage pays to replace the damaged or destroyed property with similar items. Extended replacement cost coverage provides even more protection by covering additional costs exceeding the policy limit. Typically, the higher the coverage level, the higher the insurance premiums. Homeowners in Oakdale should choose a coverage level that provides adequate protection for their homes and belongings while fitting within their budget. For example, homeowners who opt for coverage of $200K pay $557 on a home in Oakdale, CA.
Refer to the chart below to know the applicable home insurance rates in Oakdale, CA., based on the coverage level.
Homeowners Oakdale, CA - Rates by Deductibles
Homeowners in Oakdale, CA, can also impact their insurance rates by adjusting their deductibles. A deductible is an amount the homeowner is responsible for paying out of pocket before the insurance company covers the remaining claim cost. By opting for a higher deductible, homeowners can lower their insurance premiums. However, it's important to consider whether they have the financial means to cover the higher deductible in the event of a claim. On the other hand, choosing a lower deductible will result in higher insurance premiums but may be more manageable financially in case of a claim. Homeowners in Oakdale should weigh their options and choose a deductible that fits their budget and risk tolerance. For example, in Oakdale, CA homeowners who select a $2500 deductible have to pay a premium of $586 for their house insurance, while those who opt for a $500 deductible pay a higher premium of $806 for their house insurance.
Homeowners Oakdale, CA - Rates by the Age of the Home
The age of a home can also affect insurance rates for homeowners in Oakdale, CA. Older homes, typically those built more than 30 years ago, may have outdated electrical and plumbing systems, which could increase the likelihood of damage or fire. As a result, homeowners with older homes may face higher insurance premiums than those with newer homes. However, homeowners who have made upgrades and renovations to their older homes may be able to reduce their insurance rates. For example, insurance premiums for homes in Oakdale, California, that are either 30 or 40 years old are priced at $828 and $837, correspondingly. Conversely, insurance rates for newly constructed homes in Oakdale, California, are priced at $595. Homeowners in Oakdale need to understand how the age of their homes can impact their insurance rates and take steps to mitigate any potential risks.
Homeowners Oakdale, CA - Rates by the Safety Features
Homeowners in Oakdale, CA, can benefit from lower rates by implementing safety features. Insurance companies typically offer discounts for homes that have installed safety devices such as smoke detectors, security alarms, and deadbolts. Also, homes built with materials resistant to fire, wind, and other natural disasters may qualify for lower rates. By investing in safety features, homeowners in Oakdale can protect their homes and save money on their insurance premiums. For instance, in Oakdale, CA homeowners who have installed deadbolts and fire extinguishers in their homes pay premiums of $718 and $759, respectively.
Top Home Insurance Companies in Oakdale, 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% |
| Nationwide | A+ | 4.15% |
| Travelers | A++ | 3.18% |
Top State Farm Home Insurance Agents in Oakdale, CA
| Homeowners Insurance Agents | Agent Address | Contact Details | ||
|---|---|---|---|---|
| Randy Kaiser | 816 C St www.randykaiser.com 95632 |
(209) 745-1541 | ||
| Jim Aabbatt-Strilich | 241 EAST 10TH ST STE B www.wewanttoinsureyou.com 95376 |
209-830-6200 | ||
| David Grossberg | 4213 Dale Road www.davidgrossberg.net 95356-8505 |
209-545-7344 | ||
| Paula Bush | 5250 Claremont Ave # 243 www.paulabush.com 95207 |
(209) 751-4516 | ||
| John Davison | 574 E BELLEVUE RD www.johntheagent.net 95301 |
209-357-3441 | ||
| Baxter Griffith | 1124 W Olive Ave Ste 102 www.baxtergriffith.com 95348-1939 |
209-384-8811 | ||
| Ric Newman | 1900 Standiford Ave www.ricnewmanins.com 95350 |
(209) 613-1942 | ||
| Monte Cain | 515 LYELL DR STE 102 www.montecain.com 95356 |
(209) 576-2808 | ||
| Jeff Young | 1501 F ST www.jeffyounginsurance.com 95354 |
209-338-3585 | ||
| Edgar Jones | 19 S Del Puerto Ave www.edgarjones.com 95363 |
(209) 894-2660 |
| Homeowners Insurance Agents | Agent Address | Contact Details | ||
|---|---|---|---|---|
| Harold R. Wyatt Inc. | 541 W Grant Line Rd Ste 151 95376 |
(209) 879-9673 | ||
| Jefferson W Johnson Jr | 501 W WEBER AVE SUITE 300B 95203 |
209-946-6540 | ||
| Daniel R Clair | 1600 Sunrise Ave 95350 |
209-523-8037 | ||
| Barhorst Ins Group Ltd | 945 Coffee Rd Ste 1 95355-4230 |
209-577-1777 | ||
| Paula L Ratliff Agency Inc | 62 E 11th St 95376 |
(209) 229-8492 | ||
| Brian A Grimone | 10330 Twin Cities Rd Ste 20 95632-9048 |
209-744-1189 | ||
| Paula L Ratliff Agency Inc | 105 E 10th St Ste 200 95376 |
(800) 766-4771 | ||
| David K Bartal | 1812 W Kettleman Lane Suite 1 95242-4209 |
209-224-8885 | ||
| John David Petruzzi | 320 E YOSEMITE AVE STE 101 95340 |
209-385-3343 | ||
| Paula L Ratliff Agency Inc | 2219 N Tracy Blvd 95376 |
(925) 353-5942 |
| Homeowners Insurance Agents | Agent Address | Contact Details | ||
|---|---|---|---|---|
| Fcnb Insurance Services | 2012 W Monte Vista Ave 95382 |
(209) 667-2222 | ||
| Prince Hill Insurance Agency Llc | 1820 P St www.princehillinsurance.com 95340 |
(209) 489-6202 Email:d.meade@princehillinsurance.com |
||
| Paula Jean Gomez | 3120 N Tracy Blvd Ste D 95376 |
(209) 836-0407 Email:paulagic@suddenlinkmail.com |
||
| First Niagara Insurance Agency | 390 E Canal Dr www.fnfg.com 95380 |
(209) 667-6777 Email:CLNorwalkTrad@fnrm.com |
||
| Robert A Kuhs | 45 W Saint Charles St insurancesolutionscecilcounty.com 95249 |
(209) 754-3858 Email:cheslife@verizon.net |
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| Associated Insurance Management Inc | 1486 W 11th St Ste 229 95376-3723 |
209-835-1400 | ||
| Cottage Hill Insurance Agency Llc | 1509 W Yosemite Avenue 95337-5165 |
209-823-7880 | ||
| Ric Hoks Insurance Services | 1236 Floyd Ave Ste B 95350 |
(209) 527-8800 | ||
| Barrood Agency Inc | 1136 Tully Rd Ste 4 www.barrood.com 95350-4994 |
209-529-6018 Email:insurance@barrood.com |
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| Jeffers Insurance Agency | 2100 W KETTLEMAN LANE www.jeffersinsuranceagency.com 95242 |
209-334-0870 Email:tjeffers@jeffersinsuranceagency.com |
| Homeowners Insurance Agents | Agent Address | Contact Details | ||
|---|---|---|---|---|
| Ricardo Hagood | 430 W Lockeford St 95240 |
(209) 333-8080 Email:RHagood@geico.com |
| Homeowners Insurance Agents | Agent Address | Contact Details | ||
|---|---|---|---|---|
| Princeton Ins Agy | 2150 Geer Rd 95382 |
(209) 634-4405 | ||
| Darryl Moore | 718 Lincoln Center 95207-2643 |
209-474-3285 | ||
| Jefferson Ins Agcy | 1949 W KETTLEMAN LN STE 200 95242 |
209-210-6968 | ||
| Jeff Wilson & Assoc | 1031 MCHENRY BLVD STE 9 95350 |
209-408-0131 | ||
| Gerard Viola | 136 N Maag Ave Ste B2 95361 |
(209) 847-9149 | ||
| Paula Barlow | 5250 Claremont Ave # 243 95207 |
(209) 751-4516 | ||
| Jeff Zulfer | 1408 W MAIN ST STE B 95366 |
209-599-0707 | ||
| Rena Gilliam | 2120 Pacific Ave 95204 |
(209) 944-9400 | ||
| Marianne Viola | 2540 Pacific Ave STE 1 95204-4400 |
(209) 957-9433 | ||
| Jefferson Ins Agncy | 7 W ACACIA ST 95202 |
209-813-4978 |
| 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 Oakdale, CA
| State Farm | Allstate | GEICO | |
| Median Home Value ($) | 285,840 | 325,840 | 305,840 |
| Construction year | 1994 | 1996 | 1993 |
| Home Coverage ($) | $300000-$350000 | $400000-$500000 | $400000-$500000 |
| Total Premium ($) | $994 | $1215 | $1117 |
Oakdale, CA Multi Policy Discounts by Home Insurance Companies
| Home Insurance Company | Multi Policy Discount (%) |
|---|---|
| Nationwide | upto 5% |
| Travelers | upto 10% |
| GEICO | upto 14% |
| Allstate | upto 21% |