Top 5 Home Insurance Companies in Sacramento County, CA
Check out the most popular Home Insurance agencies & companies in Sacramento County, CA & compare the best quotes from them.
Cost of Homeowners Insurance in Sacramento County, CA
The average cost of homeowners insurance in Sacramento County, CA, is $779.88. Owning a home is a big financial commitment. Protect your investment by guaranteeing coverage for your dwelling and possessions with a policy covering losses such as fire, hail, smoke, vandalism, and theft. However, a homeowners insurance policy will not help if your home is damaged by flooding or earthquakes (unless flood insurance or earthquake coverage is added to the policy).
Intense research is required to select the right home insurance in Sacramento County, CA. It will help you get all the essential coverage to protect your loved ones and property. However, knowing what you could gain from your insurance policy is easy. Insurance providers can offer a quote based on your personal information, location, and previous claims. Most often, these insurance companies have concessions for military personnel.
A few cheap home insurance companies in Sacramento County, CA, offer a wide range of services. Refer to the chart below.
Factors influencing home insurance in Sacramento County, CA:
1. Homeowners insurance rates by coverage levels
2. Homeowners insurance rates by deductibles
3. Homeowners insurance rates by materials used
4. Homeowners insurance rates by the number of claims
Homeowners insurance in Sacramento County- Rates by coverage levels
Home insurance helps you protect one of your most significant assets, i.e., your house, so that you can live in a stress-free environment. It helps cover damages to your home and personal losses caused due to natural hazards or theft.
For instance, homeowners paying a coverage of $200K can avail of home insurance in Sacramento County for $550. Generally, homeowners opt for coverage of $300K to $400K, paying a premium of $1061 and $1317, respectively.
Homeowners insurance in Sacramento County- Rates by deductibles
A plan with a high deductible leads to a lower monthly premium but carries more risk because if something catastrophic happens, e.g., Hurricane, the homeowner will have to pay more before the company starts paying up. Homeowners can customize their homeowner's insurance policy in Sacramento County by selecting a deductible that works for them. For example, homeowners who opt for a deductible of 500 pay $771 on home insurance in Sacramento County, whereas homeowners who opt for a high deductible of 2500 pay $596.
Homeowners insurance in Sacramento County- Rates by the materials used
When you're building a home, you want to invest in materials that protect your assets - like brick and stone. These materials are long-lasting and highly protective, reducing the risk of water damage, fires, and wood-destroying insects. Brick has been used for decades in homes as exterior siding and interior walls. For instance, homeowners who use Masonry and Superior brick materials to construct their homes pay $741 and $702, respectively, on homeowners insurance in Sacramento County, CA.
Homeowners insurance in Sacramento County- Rates by the number of claims
Your claims history is a record of past events. It may include such things as the number of previous claims, the subject of each claim, the cause and severity of loss, and whether you were found liable for any resulting damage.
For instance, homeowners with zero claims can purchase their policy for as low as $687 in Sacramento County, CA. The premium is higher for policyholders with one or two claims. Homeowners pay around $835 and $874 on their home insurance in Sacramento County, CA, respectively.
Top Home Insurance Companies in Sacramento County, 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% |
| Erie | A+ | 5.4% |
| Nationwide | A+ | 4.15% |
Top State Farm Home Insurance Agents in Sacramento County, CA
| Homeowners Insurance Agents | Agent Address | Contact Details | ||
|---|---|---|---|---|
| Phil Tesserea | 1610 A St 94509 |
(925) 778-8690 | ||
| Peter Hohn | 600 W 2nd St www.peterhohn.com 94509 |
(925) 754-6500 | ||
| Ara Papazian | 314 G St www.arapapazian.com 94509-1255 |
925-757-7941 | ||
| Peter Grande | 1000 Missouri St www.petergrande.org 94533 |
(707) 398-4131 | ||
| Jim Parrilli | 90 BLUE RAVINE RD STE 74 95630 |
916-984-9320 | ||
| Luis Gonzalez | 7474 SHORELINE DR STE 3 www.luisgonzalez.com 95219 |
707-207-5700 | ||
| Paul Bilohlavek | 2210 BOYNTON AVE STE E 94533 |
(707) 425-8045 | ||
| Don Kniska | 2197 Main St 94561 |
(925) 625-3820 | ||
| Eric Strobel | 5330 Madison Ave Ste A www.ericstrobel.com 95841 |
(916) 344-3095 | ||
| Randy Kaiser | 9240 Laguna Springs Dr Ste 101 www.randykaiser.com 95758 |
(916) 588-7719 |
| Homeowners Insurance Agents | Agent Address | Contact Details | ||
|---|---|---|---|---|
| Preferred Insurance Services Llc | 550 High St Ste 206 95603 |
(530) 305-9213 | ||
| Crossing Insurance Group | 7210 Greenhaven Drive www.crossinginsurance.com 95831-3576 |
916-427-1332 | ||
| Hudson Valley Risk Management Llc | 2420 MARTIN RD STE 250 94534 |
707-207-5700 | ||
| Edwards Insurance Agency | 2505 Riparian Dr Ste 170 95757 |
(916) 429-2900 | ||
| Preferred Insurance Group Inc. | 830 Lincoln Way 95603 |
(530) 888-8013 | ||
| Wm Schwartz & Company | 275 North First Street 95620 |
|||
| Dave Mcmahon Insurance Agency Inc. | 1300 Oliver Road 94534 |
707-422-1313 | ||
| Preferred Insurance Services Inc | 6937 Douglas Blvd www.preferins.com 95746 |
(530) 885-8800 | ||
| Daymont-Souders Insurance Agency Inc. | 1339 Oliver Rd www.daymontsouders.com 94534 |
(707) 425-1045 | ||
| Rattunde-Ott-Ginzl Agency | 180 Promenade Cir Ste 300 95834 |
(916) 437-0566 |
| 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 | ||
|---|---|---|---|---|
| Daniel Brown | 430 Grass Valley Highway 95603-3714 |
530-885-8652 | ||
| Clayton Colvard | 11965 Heritage Oak Pl 95603-2461 |
530-885-5104 | ||
| Angie Batten | 2920 Cold Springs Rd Ste A 95667-4236 |
530-626-5201 | ||
| Aric Guttman | 231 G St Ste 1 95616-4568 |
530-753-7897 | ||
| Keith A. Brogan | 1620 35TH AVE #F 95822 |
916-429-8888 | ||
| Daniel Fuentes | 2801 Waterman Blvd 94534-2987 |
707-422-2244 | ||
| Daniel Brown | 3420 Coach Lane #4 95682-8406 |
916-933-1757 | ||
| Michelle Mcrae | 9300 Madison Ave Ste 100 95662 |
(800) 400-6394 | ||
| Christopher Hayden | 451 Parkfair Dr Ste 2 95864-7249 |
916-487-5151 | ||
| Dave Morrow | 4049 Lone Tree Way 94531-6203 |
925-757-6600 |
| Homeowners Insurance Agents | Agent Address | Contact Details | ||
|---|---|---|---|---|
| Martha Sue Harris | 993 Governor Dr STE 101 95762-4290 |
(916) 439-9378 | ||
| Mcguire Insurance Agency Inc. | 1777 Oak Ave STE B 95616-1064 |
(530) 753-0700 | ||
| Carline E Legros | 185 Linden Ave 95603-5267 |
530-823-5330 | ||
| All About Insurance Agency Ltd | 2941 Sunrise Blvd Ste 250 95742-7204 |
916-482-3300 | ||
| Randy Jones & Associates Inc | 9240 Laguna Springs Dr Ste 101 95758 |
(916) 588-7719 | ||
| 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 | ||
| Bph Insurance And Financial Services Inc. | 2840 Del Paso Rd Ste 300 95834-9704 |
916-575-7600 | ||
| Myra Cannon | 3841 N FREEWAY BLVD STE 150 95834 |
916-568-1121 | ||
| Christopher H Born Lutcf | 2050 Peabody Rd Ste 200 95687-6695 |
707-447-4697 |
| 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 Sacramento County, CA
| Erie | Allstate | GEICO | |
| Median Home Value ($) | 319,910 | 279,910 | 289,910 |
| Construction year | 1967 | 2009 | 2013 |
| Home Coverage ($) | $300000-$350000 | $250000-$300000 | $300000-$350000 |
| Total Premium ($) | $865 | $742 | $1283 |
Sacramento County, CA Multi Policy Discounts by Home Insurance Companies
| Home Insurance Company | Multi Policy Discount (%) |
|---|---|
| Erie | upto 22% |
| GEICO | upto 15% |
| Allstate | upto 19% |
| Nationwide | upto 8% |