Stockton Homeowners Insurance

The Zebra
Aug. 26, 2019

Find affordable homeowners insurance in Stockton


Home insurance is a hugely important part of owning a home. Homeowners insurance provides coverage against fire, wind damage, and theft for your home and the contents inside it. With the relative frequency of such perils -- and the high cost of rebuilding or repairing a home -- getting homeowners coverage is a sound investment.

The price of a homeowners insurance policy 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 info about what a home insurance policy covers.

If you want to find affordable homeowners insurance in Stockton, start with shopping around and comparing policies. Have a look at the summary below comparing average Stockton homeowners insurance rates to ensure you start your search with as much background info as possible. Remember: your homeowners insurance premiums may vary based on your coverage limits and other factors.


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

Home insurance in Stockton by insurance company

Stockton homeowners insurance rates will vary depending on which insurance company you choose. The most inexpensive home insurance in Stockton comes from Mercury, which offers average annual rates of just $633 per year. This is more favorable than the city’s average homeowners premium of $1,014.

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


AFFORDABLE HOMEOWNERS INSURANCE COMPANIES IN STOCKTON
CompanyAverage Annual Rate
Mercury$633
Allstate$698
State Farm$720
USAA$794
AmTrust NGH$911

Average homeowners insurance costs in Stockton by coverage level

The level of home coverage you select has an impact on your insurance rates. In Stockton, carrying $200K dwelling coverage costs an average of $655, while carrying additional coverage up to $400K costs $1,192/year.


HOMEOWNERS INSURANCE RATES IN STOCKTON — POPULAR COVERAGE LIMITS
Coverage LevelAverage Annual Rate
$200K Dwelling$655
$400K Dwelling$1,192

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Stockton home insurance prices by ZIP code

Homeowners insurance premiums can vary depending on what area of Stockton in which you live. The amount of claims filed in your local area can be a factor in determining the price of your policy. Put simply, where you live could have a huge impact in what you pay for insurance.

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 least costly homeowners insurance rates in Stockton, have a look at the table below.


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

Other areas of Stockton, it should be noted, face homeowners rates that are higher than the city average . These areas of the city could be more prone to perils such as theft, severe weather, or fires that present more risk for insurance companies. 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



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Money-saving tip for home and auto insurance in Stockton: bundling

You might want to consider purchasing your auto and homeowners policies through the same company if you are searching for the best overall prices. Bundling home and auto insurance is one way to save substantially on your monthly car insurance premiums. Bundling policies in Stockton could, in fact, lead to average annual savings of 12%.


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

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


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