Home insurance Sacramento

Home insurance Sacramento is protection designed to cover homeowners in the states capital. Sacramento residents have their share of risks to worry about when it comes to safeguarding their homes. At Eugene C Yates Insurance Agency we have been helping our clients get amazing rates on home insurance Sacramento since 1946. Needless to say in the last 76 years we’ve learned a thing or two about what great home insurance is.

Our home insurance agents are kind, considerate, understanding and overall awesome at what they do. Which is secure the best rates for the best coverage available. As an independent home insurance agency we have access to the top home insurance providers in the golden state. On top of that our wonderful agents have firsthand knowledge on what the absolute best home insurance discounts are and how to take advantage of them.

If you would like a custom home insurance quote, please give us a call today at 916 313 6100 to be put in touch with one of our professional home insurance agents now.

What factors go into determining a homeowners insurance rate?

When you’re looking into home insurance Sacramento you may want to keep a few key details in mind. The average cost for homeowners insurance will vary from zip code to zip code, home insurance provider to home insurance provider, and home size to home size. There really isn’t one home insurance policy that will fit all homeowners. Because of these simple fact we customize our homeowners insurance policies to fit your individual needs.

Common factors that may determine your home insurance rate:

• Location / zip code:

Where you live will play a pretty big role in determining the rate you pay for home insurance. If the crime level is high and the area is prone to theft, this may increase your rate. You may live in an area prone to natural disasters such as earthquakes, flooding etc. If so this can also create an increase in home insurance premiums. If the area you live in has a high history of claims this can also lead to higher home insurance rates.

• Building materials used and labor costs in the area:

If your home is built with expensive building materials it will be more expensive to rebuild or repair. This can in turn create higher home insurance rates. If the costs of construction labor are high in your area, you should also expect a higher home insurance rate.

• The age and size of the home:

Older homes typically come with more risk due to have more natural wear and tear. Because of this newer homes usually have lower homeowners insurance rates. If you have a large home it probably comes with more risk than a smaller home. Making bigger homes more expensive to insure.

• Replacement cost:

Home insurance is partially calculated by the amount it would cost to replace your home. If it is more expensive to replace your home vs your neighbors, you should expect to pay more than them.

• Special features:

Items such as swimming pools and jacuzzis usually come with added risks. Please keep in mind that some of these wonderful special features may create higher home insurance premiums.

• Security features:

Installing items such as burglar alarms, fire sprinklers, and other security features that reduce risk can help you to save money on your homeowners insurance premium.

• Coverage limits:

The amount of coverage you need may differ from your friends coverage. You may need added coverage or special coverage for flooding. You may also need extended coverage such as an umbrella policy. Your personal property may also come in more expensive than others which will create higher home insurance premiums if you decide to cover the full value of your items.

Sacramento California Home Insurance Coverage Options

Traditional coverage:

• Physical Structure
• Living Expenses
• Liability Protection
• Additional Structures
• Personal Possessions

Lowering Sacramento home insurance rates

If you’re interested in ways to save money on your homeowners insurance it’s always best to speak to a home insurance agent to see what is available for you. Below are a few of the common ways we’re able to save our clients money on homeowners insurance:

• Bundling

• Security/safety measures:

• Deadbolts on exterior doors
• Fire extinguishers
• Smoke detectors
• Carbon monoxide detectors
• Water leak detectors
• Gas leak detectors
• Burglar and fire alarm systems
• Sprinkler system

• Home improvements

• Loyalty discounts

• Claims-free

• New homebuyer

• Early signing discount

Additional ways to save on home insurance Sacramento include:

• Not smoking
• Living in a gated community
• Being retired
• Increasing your home insurance deductible

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