Average homeowners insurance cost Sacramento

The average homeowners insurance cost in Sacramento is roughly $77 per month. Please keep in mind this is an average and it is very rare that homeowners will end up with identical home insurance policies. Homeowners insurance is unique for each home so I wouldn’t suggest salivating over your neighbors premium. You may have a larger home that will cost more to rebuild or your home may have a pool and come with more risk. There are many factors that will help a homeowners insurance company determine the rate you get for home insurance.

Homeowners insurance doesn’t only help to protect the actual structure of your home. It can cover the dwelling, your personal belongings, and outside structures. Home insurance protects you from damage that is the result of vandalism, fire, smoke, wind, and theft. 

When determining the rate you end up with for your policy the home insurance agency will take a number of factors into consideration. These factors may be the dwelling value, the value of your personal items, materials used to build the home, current condition and age of the home, special features and security and safety features installed. The location you live in or zip code will also be a major contributing factor to the home insurance premium. You may live in an area prone to wildfires, flooding or earthquakes. Which typically will make your rate higher being that there is more risk involved. 

When you’re looking for affordable homeowners insurance it’s best to speak to a local agent such as the ones at Eugene C Yates Insurance Agency. Our professional and friendly agents have access to some of the absolute best home insurance companies around and they have in-depth knowledge of the best home insurance discounts on the market. This makes it easy for them to shop around and always find you the best rate on the best coverage for your situation!

If you would like a free custom homeowners insurance quote, please give us a call today at 916 313 6100

Sacramento home insurance discounts

One of the easiest ways for you to get more affordable homeowners insurance rates is to take advantage of available discounts. The majority of home insurance providers will have homeowners insurance discounts. All you have to do is ask one of our wonderful agents to help you.

Below are a few of the more common homeowners insurance discounts available in Sacramento California;

Claims free homeowners insurance discount:

If you have remained claims free for a particular amount of time, your home insurance company may offer you a discount on coverage. Typically it’s around 3 to 5 years without a claim and at that time your home insurance provider will offer you a discount. 

Bundle multiple insurance products:

If you have more than one insurance product with an insurance provider, they may be willing to give you a discount on your home insurance. This is one of our favorite ways to help people save money on homeowners insurance because it’s very easy to do and it makes making your monthly or annual payment more convenient. 

Safety device home insurance discount:

Homeowners insurance is mostly based off risk and the value of your home and the contents of your home. When you are willing to put through the effort to protect your home and what’s inside your home insurance company may take notice. Reducing the risk of a break in with a burglar alarm may earn you a discount on your home insurance rate. If you install fire sprinklers to limit possible fire and smoke damage there is a good chance your home insurance company will offer you some savings on your premium. 

Loyalty homeowners insurance discount: 

If you remain will the same home insurance company for a certain number of years there is a chance they will offer you a loyalty discount on your homeowners insurance policy. Typically longer than a year but please consult your home insurance agent to find the finer details. 

How much homeowners insurance will I need in Sacramento California?

When deciding on the amount of homeowners insurance you will need to protect your home it’s important to insure your property for the amount that will be necessary to rebuild it from ground up. Due to this you will want to know construction costs in your area and take a detailed inventory of what’s in your home.

It’s best to speak with a local home insurance agent to get advice and suggestions. They can help lead you in a direction that will make it easier for you to navigate through the process. 

Sacramento homeowners insurance quote

If you have additional questions or would like a custom home insurance quote, please do not hesitate to contact us at 916 313 6100