Stockton Homeowners Insurance

Find affordable home insurance in Stockton


One of the most important aspects of homeownership is home insurance. It covers your dwelling — and the personal property within it — against a variety of perils, including fire, theft, vandalism, or wind damage. Given the relatively frequent occurrence of these incidents and the substantial cost of replacing a home, a homeowners insurance policy is a solid investment.

The price of a homeowners insurance policy factors in variables such as the cost of building materials, the value of your personal belongings, and the overall value of the primary dwelling. 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. Learn more information about what is covered by a homeowners insurance policy.

If you want to find inexpensive homeowners insurance in Stockton, start with shopping around and comparing policies. Check out the below summary of average home insurance premiums in Stockton to begin your home insurance search with as much information as you can. One thing to note is that the yearly cost of home 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 insurer
  2. Rates by coverage level
  3. Rates by ZIP
  4. Rates by deductible amount
  5. Bundling discounts

Homeowners insurance in Stockton by insurance company

Stockton homeowners insurance rates will vary depending on which insurance company you choose. 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.

Below you'll find a list of the cheapest home insurance companies in Stockton, California to help you begin your search.


CHEAP 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 levels

How much you pay for home insurance coverage is greatly influenced by the level of coverage you choose. Homeowners in Stockton who carry $200K in dwelling coverage pay an average of $655 per year, while those with coverage up to $400K pay around $1,265 per year.


HOMEOWNERS INSURANCE RATES IN STOCKTON — POPULAR COVERAGE LIMITS
Coverage LevelAverage Annual Rate
$100,000 Dwelling$402
$200,000 Dwelling$655
$250,000 Dwelling$834
$400,000 Dwelling$1,265

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Stockton homeowners insurance rates by ZIP code

Not every area of Stockton has equal home insurance costs. The amount of claims filed in your local area can be a factor in determining the price of your policy. Put simply, the location of your home could have a huge impact in what you pay for home 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 expensive homeowners premiums 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

On the other hand, some areas of Stockton face higher homeowners insurance costs, on average. These parts of town 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

Home insurance deductibles in Stockton

Homeowners have a lot of choices to make when buying a home insurance policy, including how much their deductible should be. A homeowners deductible is how much your insurance requires you to pay out of pocket toward a claim. Where you choose to set your homeowners deductible is directly related to the overall cost of your coverage.

Put simply, a higher deductible leads to lower insurance costs. As such, if you want to keep your insurance rates low, aim for a higher deductible. It's worth calling out that your deductible should only be as high as you can reasonably pay if you actually suffer a loss.

The following chart reveals the typical premium costs associated with standard homeowners deductibles.


HOME INSURANCE PREMIUMS BY DEDUCTIBLE TIER 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 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 looking to save on overall insurance costs . Bundling your homeowners and auto insurance can save you a substantial sum each month on your auto insurance bill. In fact, bundling policies in Stockton leads to average annual savings of 12%.


CHEAPEST CAR INSURANCE WITH HOME 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

A great way to save on insurance is to bundle your home and auto policies with the same insurance company.


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Kristine Lee LinkedIn

Kristine is a licensed insurance agent and one of The Zebra’s in-house content strategists. With a background in copywriting, she covers the ins and outs of the home and car insurance industries. She has been a contributor to numerous publications focused on the nuances of insurance, including BestCompany.com.