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How to find affordable homeowners insurance in Stockton

 

Home insurance is an important part of owning a home. Along with your personal belongings, homeowners insurance covers your dwelling against many perils, including wind damage, fire, and vandalism. Events like this occur frequently. When paired with the high cost of repairing or rebuilding a house, investing in homeowners coverage can seem like a great idea.

The cost of home insurance is dependent on a number of factors. These include your dwelling's value, the value of your personal belongings, and the cost of the materials used to build your home. The location of your home can also influence how much you pay for homeowners insurance. Some areas are more susceptible to perils like fire, hail, frozen pipes, volcanoes, or other hazards. These can make your insurance policy even more expensive. Discover more info about the specifics of home insurance coverage.

If you want to find cheap homeowners insurance in Stockton, start with looking around and comparing policies. Have a look at the summary below comparing average homeowners insurance premiums in Stockton to help you get as much information as possible when you start your search for homeowners insurance. One thing to note is that the yearly cost of homeowners coverage is determined based on your chosen coverage limits as well as a number of other rating factors.

 
Stockton, California, homeowners insurance — table of contents:
  1. Rates by insurance company
  2. Rates by coverage level
  3. Rates by ZIP
  4. Rates by deductible level
  5. Bundling discounts

 

Homeowners insurance in Stockton by insurance company

Homeowners insurance rates in Stockton vary from one insurance company to another. Mercury offers the most affordable home insurance in Stockton, at just $633 per year. This compares favorably to the city’s average homeowners premium of $1,014.

To get started with your homeowners insurance policy search, take a look at this list of the cheapest companies in Stockton, California.

 
AFFORDABLE HOME INSURERS IN STOCKTON
CompanyAverage Annual Rate
Mercury$633
Allstate$698
State Farm$720
USAA$794
AmTrust NGH$911

 

Average home insurance rates in Stockton by coverage amount

The level of home coverage you select has an impact on your insurance premiums. In Stockton, carrying $200K dwelling coverage costs an average of $655, while carrying additional coverage up to $400K costs $1,265 per year.

 
HOMEOWNERS INSURANCE RATES IN STOCKTON — POPULAR COVERAGE LIMITS
Coverage LevelAverage Annual Rate
$100K Dwelling$402
$200K Dwelling$655
$250K Dwelling$834
$400K Dwelling$1,265

 

Stockton home insurance prices by ZIP code

Depending on the part of Stockton you live in, you might see vastly different 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.

The cheapest home insurance rates in Stockton are available in 95210. In 95210, the typical home insurance policy costs $911 per year — $103 less than the citywide average in Stockton. If you’re looking for the areas with the most affordable homeowners insurance in Stockton, have a look at the table below.

 
AFFORDABLE NEIGHBORHOODS FOR HOMEOWNERS INSURANCE IN STOCKTON
ZIP CodeAverage Annual Home Insurance Rate
95210$911
95204$913
95206$915

Some parts of Stockton, however, have homeowners insurance costs that are higher on average. Crime rates, fire risk, and even your how close you are to emergency services such as fire and police stations could impact rates the risk level of certain parts of the city, which has the potential to drive up area rates. The most expensive ZIP code for homeowners insurance in Stockton is 95219, where the average annual rate is $1,551.

 
EXPENSIVE AREAS FOR HOMEOWNERS INSURANCE IN STOCKTON
ZIP CodeAverage Annual Home Insurance Rate
95219$1,551
95215$992
95212$939
 

Looking for insights on homeowners insurance in a specific city? Check out our analysis of populous California cities:

  1. Anaheim
  2. Bakersfield
  3. Chula Vista
  4. Fremont
  5. Fresno
  6. Irvine
  7. Long Beach
  8. Los Angeles
  9. Oakland
  10. Riverside
  11. Sacramento
  12. San Bernardino
  13. San Diego
  14. San Francisco
  15. San Jose
  16. Santa Ana

 

Home insurance deductibles in Stockton

One of the many choices that you will make when shopping for a homeowners policy is how high or low to set your deductible. A homeowners deductible is how much your insurance requires you to pay out of pocket toward a claim. The deductible chosen can impact how much you pay in insurance premiums.

In general, having a low deductible means that your insurance rates will be higher. As such, if you want your insurance rates to remain low, aim for a higher deductible. Remember that your deductible should only be set as high as you can reasonably afford in the event of a covered loss.

Below you'll find some common deductible options offered on most home policies along with corresponding average insurance premiums.

 
HOMEOWNERS INSURANCE COSTS BY DEDUCTIBLE IN STOCKTON
Deductible LevelAverage Annual Home Insurance Rate
$500$938
$1,000$834
$1,500$786
$2,000$710
$5,000$594

 

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

If saving money is something you are worried about, you might purchase insurance for your home and auto through the same insurance company. Bundling your homeowners and auto insurance can save you a substantial sum each month on your auto insurance bill. By bundling your policies, Stockton homeowners could see annual savings of 12% on average.

 
CHEAPEST AUTO INSURANCE PREMIUMS WITH A POLICY BUNDLE IN STOCKTON
CompanyAvg. Annual Auto Insurance Rate (With Bundle)
Mercury$1,195
GEICO$1,322
Farmers$1,628
CSAA$1,822
Allstate$1,902
 

It's definitely worth considering bundling both your auto and home policies as a potential way of saving money.

 

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Kristine Lee
Kristine LeeManager, Content and Data

Kristine is a licensed insurance agent who joined The Zebra in 2019 as an in-house content researcher and writer.

She is an authority on all things insurance and covers the ins and outs of auto, home, life and renters insurance. Her specialty is in providing data-backed insights and information to help insurance shoppers make informed decisions.

Kristine's insurance expertise and research have been cited by publications such as CNBC, Car and Driver, Business Insider, Yahoo!, The Balance, Nationwide and Elephant.

About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.

  • The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.

  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.

  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.