Home Insurance in Stockton, CA

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 average cost of home insurance in Stockton, California is $85 per month.  This is significantly less than the average monthly homeowners insurance payment.

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.

Table of contents:

1. Rates by insurer
2. Rates by coverage amount
3. Rates by ZIP code
4. Rates by deductible amount
5. Policy bundling savings

 

Stockton home insurance by 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. You can also check out our guide to the best home insurance companies based on the results of The Zebra's Customer Satisfaction Survey.

AFFORDABLE HOME INSURERS IN STOCKTON

Company	Average Annual Rate
Mercury	$633
Allstate	$698
State Farm	$720
USAA	$794
AmTrust NGH	$911

 

Stockton homeowners insurance prices by coverage level

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.

POPULAR COVERAGE LIMITS IN STOCKTON

Coverage Level	Average Annual Rate
$100K Dwelling	$402
$200K Dwelling	$655
$250K Dwelling	$834
$400K Dwelling	$1,265

 

Stockton home insurance rates 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 HOME INSURANCE AREAS IN STOCKTON

ZIP Code	Average 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 HOME INSURANCE AREAS IN STOCKTON

ZIP Code	Average Annual Home Insurance Rate
95219	$1,551
95215	$992
95212	$939

Stockton homeowners insurance deductibles

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.

HOME INSURANCE PREMIUMS BY DEDUCTIBLE LEVEL IN STOCKTON

Deductible Level	Average Annual Homeowners Insurance Rate
$500	$938
$1,000	$834
$1,500	$786
$2,000	$710
$5,000	$594

 

Home and auto insurance bundling 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 CAR INSURANCE RATES WITH HOME BUNDLE IN STOCKTON

Company	Avg. Annual Auto Insurance Rate (With Bundle)
Mercury	$1,195
GEICO	$1,322
Farmers	$1,628
CSAA	$1,822
Allstate	$1,902