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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 95632
(209) 745-1541
Jim Aabbatt-Strilich 241 EAST 10TH ST STE B 95376
David Grossberg 4213 Dale Road 95356-8505
Paula Bush 5250 Claremont Ave # 243 95207
(209) 751-4516
John Davison 574 E BELLEVUE RD 95301
Baxter Griffith 1124 W Olive Ave Ste 102 95348-1939
Ric Newman 1900 Standiford Ave 95350
(209) 613-1942
Monte Cain 515 LYELL DR STE 102 95356
(209) 576-2808
Jeff Young 1501 F ST 95354
Edgar Jones 19 S Del Puerto Ave 95363
(209) 894-2660

Top Nationwide Home Insurance Agents in Oakdale, CA

Homeowners Insurance Agents Agent Address Contact Details
Harold R. Wyatt Inc. 541 W Grant Line Rd Ste 151
(209) 879-9673
Jefferson W Johnson Jr 501 W WEBER AVE SUITE 300B
Daniel R Clair 1600 Sunrise Ave
Barhorst Ins Group Ltd 945 Coffee Rd Ste 1
Paula L Ratliff Agency Inc 62 E 11th St
(209) 229-8492
Brian A Grimone 10330 Twin Cities Rd Ste 20
Paula L Ratliff Agency Inc 105 E 10th St Ste 200
(800) 766-4771
David K Bartal 1812 W Kettleman Lane Suite 1
John David Petruzzi 320 E YOSEMITE AVE STE 101
Paula L Ratliff Agency Inc 2219 N Tracy Blvd
(925) 353-5942

Top Travelers Home Insurance Agents in Oakdale, CA

Homeowners Insurance Agents Agent Address Contact Details
Fcnb Insurance Services 2012 W Monte Vista Ave
(209) 667-2222
Prince Hill Insurance Agency Llc 1820 P St 95340
(209) 489-6202
Paula Jean Gomez 3120 N Tracy Blvd Ste D
(209) 836-0407
First Niagara Insurance Agency 390 E Canal Dr 95380
(209) 667-6777
Robert A Kuhs 45 W Saint Charles St 95249
(209) 754-3858
Associated Insurance Management Inc 1486 W 11th St Ste 229
Cottage Hill Insurance Agency Llc 1509 W Yosemite Avenue
Ric Hoks Insurance Services 1236 Floyd Ave Ste B
(209) 527-8800
Barrood Agency Inc 1136 Tully Rd Ste 4 95350-4994
Jeffers Insurance Agency 2100 W KETTLEMAN LANE 95242

Top GEICO Home Insurance Agents in Oakdale, CA

Homeowners Insurance Agents Agent Address Contact Details
Ricardo Hagood 430 W Lockeford St
(209) 333-8080

Top Allstate Home Insurance Agents in Oakdale, CA

Homeowners Insurance Agents Agent Address Contact Details
Princeton Ins Agy 2150 Geer Rd
(209) 634-4405
Darryl Moore 718 Lincoln Center
Jefferson Ins Agcy 1949 W KETTLEMAN LN STE 200
Jeff Wilson & Assoc 1031 MCHENRY BLVD STE 9
Gerard Viola 136 N Maag Ave Ste B2
(209) 847-9149
Paula Barlow 5250 Claremont Ave # 243
(209) 751-4516
Jeff Zulfer 1408 W MAIN ST STE B
Rena Gilliam 2120 Pacific Ave
(209) 944-9400
Marianne Viola 2540 Pacific Ave STE 1
(209) 957-9433
Jefferson Ins Agncy 7 W ACACIA ST

Oakdale, CA Homeowners Complaint Ratio By Companies

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 FarmAllstateGEICO
Median Home Value ($) 285,840325,840305,840
Construction year 199419961993
Home Coverage ($) $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%