Sacramento Homeowners Insurance

The Zebra
Aug. 26, 2019

How to find cheap home insurance in Sacramento


Home insurance should be a critical consideration for every homeowner. Homeowners insurance provides coverage against fire, wind damage, and theft for your home and the contents inside it. With the relative frequency of such events -- and the high cost of rebuilding or repairing a home -- purchasing home insurance is a sound investment.

The cost of homeowners insurance coverage depends on many factors. This can include the overall value of your house, the value of your personal belongings, and the materials that were used when building your home. Your home's location can also impact how much you pay, as some locations are more prone to destructive hazards. If your area is at risk of being affected by hail, strong winds, fire, frozen pipes, or volcanic activity, then your premiums could be substantially higher than average. Learn more about the specifics of home insurance coverage.

If you want to find cheap homeowners insurance in Sacramento, start with looking around and comparing a variety of different policies. . Take a look at the summary below showing average homeowners insurance premiums in Sacramento to begin your homeowners insurance search with as much info as possible. Remember: your homeowners insurance rates may vary based on your coverage limits and other factors.


Sacramento, California, homeowners insurance:
  1. Rates by company
  2. Rates by coverage level
  3. Rates by ZIP code
  4. Insurance bundle discounts

Home insurance in Sacramento by insurance company

Homeowners insurance rates in Sacramento vary from one insurance company to another. The most inexpensive home insurance in Sacramento comes from Mercury, which offers average annual rates of just $564 per year. This is more favorable than the city’s average homeowners premium of $921.

Begin your search for a home insurance policy by reviewing the cheapest companies in Sacramento, California, listed below.


AFFORDABLE HOME INSURANCE COMPANIES IN SACRAMENTO
CompanyAverage Annual Rate
Mercury$564
Allstate$624
State Farm$722
USAA$754
Nationwide$773

Average home insurance costs in Sacramento by coverage level

How much you pay for home insurance coverage is greatly impacted by the level of coverage you choose. In Sacramento, carrying $200K dwelling coverage costs an average of $1,008, while carrying additional coverage up to $400K costs $1,864 per year.


HOMEOWNERS INSURANCE RATES IN SACRAMENTO — POPULAR COVERAGE LIMITS
Coverage LevelAverage Annual Rate
$200K Dwelling$1,008
$400K Dwelling$1,864

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Sacramento home insurance rates by ZIP code

Depending on which part of Sacramento you live in, you might see a big difference in your home insurance costs. Policies are often priced on local variables such as the number of claims filed in the immediate area, meaning the neighborhood in which you live could have a major impact on how much you pay to insure your home.

To find the most affordable home insurance rates in Sacramento, look no further than 95831. In the 95831 area, homeowners coverage usually costs just $875 per year — a full $46 less than the Sacramento average. If you’re looking for the areas with the least expensive homeowners insurance rates in Sacramento, have a look at the table below.


AFFORDABLE ZIP CODES FOR HOMEOWNERS INSURANCE IN SACRAMENTO
ZIP CodeAverage Annual Home Insurance Rate
95831$875
95811$882
95825$883

On the other hand, some areas of Sacramento face higher homeowners insurance costs, on average. Crime rates, fire risk, and even your how close you are to emergency services could lead insurance companies to see certain neighborhoods as higher risk, which could drive up area rates. An average annual rate of $1,436 makes 95758 the most expensive ZIP code in Sacramento for home insurance.


EXPENSIVE AREAS FOR HOMEOWNERS INSURANCE IN SACRAMENTO
ZIP CodeAverage Annual Home Insurance Rate
95758$1,436
95864$920
95815$919



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Money-saving tip: bundle home and auto insurance in Sacramento

You might want to consider purchasing your auto and homeowners policies through the same company if you are looking to save on overall insurance costs . Bundling homeowners and auto insurance can be a good money-saving option. Bundling policies in Sacramento could, in fact, lead to average annual savings of 12%.


CHEAPEST AUTO INSURANCE RATES WITH HOME BUNDLE IN SACRAMENTO
CompanyAvg. Annual Auto Insurance Rate (Bundle)
GEICO$1,304
Mercury$1,345
Farmers$1,772
CSAA$2,019
State Farm$2,034

Bundling your homeowners and auto policies can be a great way to save some money on insurance. To speak with an insurance professional, call 855-493-9728 today.


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