Top 5 Home Insurance Companies in Redding, CA
Check out the most popular Home Insurance agencies & companies in Redding, CA & compare the best quotes from them.
Homeowners Insurance in Redding, CA
The average cost of homeowners insurance in Redding, CA, is $675.12. California is known for its sunny days, beautiful national parks, and rich history. However, the most swarming state in the U.S. also experiences frequent natural disasters such as wildfires, earthquakes, and high winds. These disasters can cause immense financial loss, which is why it's so important to have home insurance in Redding, CA.
Homeowners' insurance coverage will protect you and your possessions in case of accidents, theft, or damage from fires, climate, and other hazards. In Redding, CA, home insurance companies offering insurance for cheap rates may not be necessarily the best. Therefore, homeowners must check the quotes and the A.M rating of the companies providing homeowners insurance in Redding, CA.
Factors affecting home insurance in Redding, CA:
1. Homeowners insurance rates by coverage levels
2. Homeowners insurance rates by deductibles
3. Homeowners insurance rates by the age of the home
4. Homeowners insurance rates by the safety features
Homeowners insurance in Redding, CA - Rates by coverage level
Homeowner's insurance is designed to protect against financial losses due to covered incidents associated with your home. Coverage includes the cost of repairing or reconstructing your home if damaged or destroyed during unpredictable occurrences. It can also cover any outbuildings, like a detached garage or storage shed if they were damaged or destroyed by a covered peril such as fire, theft, or vandalism.
There are varying levels of coverage, so you can find one to protect whatever is most significant. For instance, homeowners opting for $200K coverage pay $614 on home insurance in Redding, CA.
Refer to the chart below to know the cost of home insurance in Redding, CA, based on the coverage level.
Homeowners insurance in Redding, CA - Rates by deductibles
Deductible can be referred to as your out-of-pocket expense. Here, the homeowner is responsible for paying their deductible amount before filing a claim. The claim check you get from your insurance company represents damage or loss covered by insurance after deducting your deductible amount. For example, if you have a total loss because of fire worth $10,000 in covered losses and your deductible is $1,000, the amount you receive from your insurance company is $9,000.
For example, homeowners who opted for a deductible of $2000 pay $1116 towards their home insurance in Redding, CA. Homeowners who opted for a deductible of 500 pay $1444 towards their home insurance in Redding, CA.
Homeowners insurance in Redding, CA - Rates by the age of the home
Insurance companies decide home insurance rates in Redding, CA, after considering the age of the home. For example, rebuilding or repairing an older home with original materials can be expensive if the house is too old. Therefore, insurance providers charge high home insurance rates to old homes compared to newly constructed homes. For example, places that are 40 years old pay a premium of $693 in Redding, CA, whereas newly built homes pay $480 on homeowners insurance in Redding, CA.
Homeowners insurance in Redding, CA - Rates by the safety features
A professionally-monitored home, i.e., a home equipped with an advanced security system, is the best way of protecting you, your family, and your home from the danger and expense of fire or theft. Fire sprinklers are one of the best ways to prevent damage caused by fire. Sprinkler systems reduce the spread of flames and automatically notify emergency personnel for faster response times. Due to this, insurance companies in Redding, CA, offer discounts on Redding home insurance. For example, homes equipped with deadbolts and smoke detectors pay $581 and $615, respectively, on homeowners insurance in Redding, CA.
Top Home Insurance Companies in Redding, CA
| Home Insurance Company | A.M. Best Financial Strength Rating | Homeowners Insurance Market share |
|---|---|---|
| State Farm | A | 17.56% |
| Allstate | A+ | 5.91% |
| Travelers | A++ | 3.18% |
Top State Farm Home Insurance Agents in Redding, CA
| Homeowners Insurance Agents | Agent Address | Contact Details | ||
|---|---|---|---|---|
| Lisa Sauer | 1044 MAIN ST www.lisasauer.com 96013 |
916-335-5454 | ||
| Tammie Shaddix | 1690 California St www.tammieshaddix.com 96001 |
|||
| Chuck Shafer | 203 Main St www.chuckshafer.com 96080-3818 |
530-527-5542 | ||
| Ron Jones Clu, Cpcu | 437 Cedar St 96080 |
(530) 527-3092 | ||
| Ron Hosack | 2400 Washington Ave www.ronhosack.com 96001 |
(530) 244-8496 | ||
| Ron Lonergan | 7786 State Highway 99e www.ronlonergan.com 96055 |
(530) 384-0124 | ||
| Lisa Schneider | 850 REMOR ST www.lisaschneider.net 96002 |
530-221-2300 | ||
| David Cooley | 550 Walnut Street www.davidlcooley.com 96080-3324 |
530-527-2878 | ||
| Ann Lewis-Morris | 1923 Solano Street www.annlewismorris.com 96021 |
530-824-3439 | ||
| Lisa Simmons | 2947 VICTOR AVE 96002 |
530-223-0637 |
| Homeowners Insurance Agents | Agent Address | Contact Details | ||
|---|---|---|---|---|
| Lisa Saylor Saul | 214 MINER ST 96093 |
530-623-3131 | ||
| Eva Herrera | 2477 Athens Ave 96001 |
(530) 246-2163 | ||
| Brian Watson | 550 Walnut St 96080-3324 |
530-527-2878 | ||
| Ron Henderson | 1445 Victor Ave Ste B 96003 |
(530) 223-7408 | ||
| Ron Jones | 2199 North St 96007 |
(530) 378-2121 | ||
| Daniel Donahue | 31 North Street 96093-0459 |
530-623-4000 | ||
| Federico Volinsky | 2861 Churn Creek Rd Ste B 96002 |
(530) 227-4091 | ||
| Emil Soto | 250 Walnut St 96080 |
(530) 527-5534 | ||
| Community Insurance | 306 Trinity Lakes Blvd 96093 |
530-623-4000 |
| Homeowners Insurance Agents | Agent Address | Contact Details | ||
|---|---|---|---|---|
| Brown Ohio Insurance Agency Inc | 2185 Churn Creek Rd Ste E 96002-0729 |
530-222-2886 | ||
| Abatelli Group Inc | 2580 Victor Ave Ste A 96002-1455 |
530-222-8200 Email:abatelli@imail.iix.com |
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| Northwest Insurance Services | 1524 MARKET ST www.insnorthwest.com 96001 |
(530) 244-7446 | ||
| Brightway Insurance | 1822 Buenaventura Blvd Ste 107 www.brightway.com 96001-6313 |
530-243-4600 | ||
| Cape Insurance Agency Inc | 1615 Court St 96001-1737 |
530-241-0252 | ||
| Ron Loren Gulledge | 7786 State Highway 99e Ste B 96055 |
(530) 384-2840 |
| 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 Redding, CA
| Travelers | State Farm | Allstate | |
| Median Home Value ($) | 220,330 | 210,330 | 230,330 |
| Construction year | 2013 | 1994 | 2003 |
| Home Coverage ($) | $250000-$300000 | $200000-$250000 | $300000-$350000 |
| Total Premium ($) | $1112 | $1072 | $737 |
Redding, CA Multi Policy Discounts by Home Insurance Companies
| Home Insurance Company | Multi Policy Discount (%) |
|---|---|
| Allstate | upto 21% |
| Travelers | upto 5% |