Average cost of homeowners insurance in Lodi CA

On average the cost of homeowners insurance in California is roughly $1,279 annually. However in Lodi California rates can average out to a lot lower than the California average. In Lodi California we found that the average rate can range anywhere from $515 to $945 per year. With the national average coming in at around an average of $1,600 annually, California home insurance premiums look to be more reasonable than some of the other states.

Please keep in mind when it comes to homeowners insurance several factors determine what your final rate ends up being. In addition to differences in each homeowners individual situation, each homeowners insurance company will have different rules and guidelines they go by. Therefore, you can’t exactly compare what your neighbor got for their premium to yours. 

Your home could cost more to rebuild or repair if the worst were to happen. You may want to carry additional riders for earthquakes or flooding. You may have installed security features that qualify you for a discount and your neighbor did not. 

Another factor that could change the dynamic of your homeowners insurance rate is your deductible. If you chose to go with a higher deductible, you may also take advantage of a low rate. You could also chose to go with a lower deductible which will garner you a higher rate than the latter. 

Shop around for the best homeowners insurance in Lodi California

When you’re looking for a good homeowners insurance policy, you should take a look at a few different policies from a few different homeowners insurance companies. 

That’s where the wonderful agents at Eugene C Yates Insurance Agency come in. They have access to some of the best homeowners insurance companies in the industry. In addition to that they are incredibly knowledgeable when it comes to homeowners insurance discounts and how to secure the very best rates available. 

Call us today for homeowners insurance made simple 209-339-1130.

Homeowners insurance in Lodi California

Living in California we have to deal with a variety of possible risks that need insurance. From earthquakes to wildfires, to flooding to mudslides. There are certain events we need to protect our homes from and homeowners insurance can usually cover a good portion of those risks. 

Please keep in mind that flooding and earthquakes are not included in standard homeowners insurance policies. To make sure you have the adequate coverage for these risks you’ll need to purchase additional coverage to protect you from these disasters. 

Wildfires are a little more difficult to get coverage for as well. Although, Mercury Insurance recently put forth a couple programs that can potentially help homeowners get the coverage they need. You will always want to check with a professional agent first to check what you qualify for. Some zip codes will have different rules surrounding coverage in that particular area. Talking it through with an agent can help you to answer the questions you need answers for. 

If you’re in Lodi California and want to look into getting better coverage than you currently have on your homeowners insurance, please give us a call. Our agents are really nice people and we have great rates! Call us today at 209-339-1130.