How to find affordable homeowners insurance in Sacramento
Among the most important aspects of owning a home is homeowners insurance. Along with your home furnishings and other belongings, homeowners insurance covers your dwelling against many different perils, including fire, wind damage, vandalism, and theft. With the relative frequency of such perils -- along with the high cost of rebuilding or repairing damages to a home -- getting homeowners coverage is a wise investment.
What you pay for homeowners insurance factors in variables such as the cost of building materials, the value of your personal belongings, and the overall value of the primary dwelling. 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. Discover more information about what your homeowners insurance policy covers.
Finding cheap home insurance in Sacramento starts with shopping around and comparing policies. Check out the below summary of average home insurance rates in Sacramento to help you get as much information as possible when you start your search for homeowners insurance. Remember: your homeowners insurance rates may vary based on your coverage limits and other factors.
Sacramento, California, homeowners insurance — table of contents:
- Rates by insurer
- Rates by coverage amount
- Rates by ZIP code
- Rates by deductible amount
- Policy bundling discounts
Home insurance in Sacramento by insurance company
Sacramento homeowners insurance rates will vary depending on which insurance company you choose. The most affordable home insurance in Sacramento is Mercury offering average annual rates at just $564 per year. This is considerably cheaper 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.
CHEAP HOME INSURERS IN SACRAMENTO
| Company | Average Annual Rate |
| Mercury | $564 |
| Allstate | $624 |
| State Farm | $722 |
| USAA | $754 |
| Nationwide | $773 |
Average home insurance prices in Sacramento by coverage level
Your chosen level of homeowners coverage impacts the insurance premiums you pay . In Sacramento, carrying $200K dwelling coverage costs an average of $1,008, while carrying additional coverage up to $400K costs $1,240/year.
HOMEOWNERS INSURANCE RATES IN SACRAMENTO — POPULAR COVERAGE LIMITS
| Coverage Level | Average Annual Rate |
| $100K Dwelling | $386 |
| $200K Dwelling | $1,008 |
| $250K Dwelling | $812 |
| $400K Dwelling | $1,240 |
Sacramento home insurance rates by ZIP code
Not every area of Sacramento has equal home insurance costs. One of the factors that insurers use when pricing your policy is the number of claims filed in your surrounding area. As such, the location of your house can drastically influence your home insurance premium.
If you're looking for the cheapest home insurance premiums in Sacramento, take at look at the 95831 ZIP code. In the 95831 area, homeowners policies typically cost just $875 per year on average, which isa full $46 less than the overall average for Sacramento. If you’re looking for the areas with the least costly homeowners insurance in Sacramento, have a look at the table below.
AFFORDABLE AREAS FOR HOMEOWNERS INSURANCE IN SACRAMENTO
| ZIP Code | Average 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 proximity to emergency services such as fire and police stations could impact rates the risk level of certain parts of the city, which could drive up the area's insurance costs. 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 Code | Average Annual Home Insurance Rate |
| 95758 | $1,436 |
| 95864 | $920 |
| 95815 | $919 |
Home insurance deductibles in Sacramento
Homeowners have numerous choices to make when deciding on a policy, including how much their deductible should be. The deductible is the total dollar amount that the insured must contribute toward a covered loss. Choosing your deductible plays a significant role in how much you pay for homeowners insurance.
In short, having a higher deductible translates to cheaper insurance costs. Therefore, consider a higher deductible if you aim to pay lower premiums. Keep in mind that your deductible should only be as high as you can reasonably afford if you suffer a loss.
Have a look at some of the typical deductibles offered by insurers and an approximation of average homeowners insurance costs.
HOME INSURANCE RATES BY DEDUCTIBLE IN SACRAMENTO
| Deductible Level | Average Annual Home Insurance Rate |
| $500 | $913 |
| $1,000 | $812 |
| $1,500 | $766 |
| $2,000 | $691 |
| $5,000 | $577 |
Money-saving tip for home and auto insurance in Sacramento: bundling
If saving money is your main concern, you might purchase insurance for your home and auto through the same insurance company. Bundling homeowners and auto insurance is one way to save substantially on your monthly car insurance premiums. By bundling your policies, Sacramento homeowners could see annual savings of 12% on average.
CHEAPEST AUTO INSURANCE PREMIUMS WITH HOME BUNDLE IN SACRAMENTO
| Company | Avg. Annual Auto Insurance Rate (With Bundle) |
| GEICO | $1,304 |
| Mercury | $1,345 |
| Farmers | $1,772 |
| CSAA | $2,019 |
| State Farm | $2,034 |
It's definitely worth considering bundling both your auto and home policies as a potential way of saving money.
