Homeowners Insurance Sacramento

Sacramento California is a beautiful place to live but it does come with its risks. There are earthquakes, flooding and even wildfires we have to worry about in the capital of the Golden State. Because of this Sacramento homeowners insurance is very important if you’re looking to safeguard your property and keep your investment protected financially.

Eugene C Yates Insurance Agency has been helping Sacramento CA homeowners get great home insurance coverage since 1946. In the last 76 years we’ve learned a thing or two about providing great service and find affordable homeowners insurance coverage for our clientele.

Being an independent home insurance broker gives us advantages. Our agents have access to the top home insurance companies in the industry and firsthand knowledge of the best homeowners insurance discounts available. This makes it very easy for them to get you the best rate on the best coverage for your home.

What does homeowners insurance Sacramento cover?

Most homeowners insurance policies in Sacramento will not only cover the structure of your home but also the contents and outside structures. Below are some of the perils your homeowners insurance policy may cover:

Fire and smoke
Lightening
Windstroms
Hail

What items will homeowners insurance Sacramento cover:

The dwelling
Other structures
Personal property
Liability for injuries
Damage to others property

What doesn’t a standard homeowners insurance policy in Sacramento cover?

Above we went over some of the things that your homeowners insurance policy may cover. Most homeowners insurance policies will cover fire, although homes located in areas where wildfires are prone may find it difficult to get standard coverage. For homes that fit this criteria we suggest the California FAIR Plan and Difference in Conditions Insurance (DIC).

The following are not covered under a standard home insurance policy:

Earthquakes
Flooding

If you need coverage for earthquakes or flooding you will need to purchase additional home insurance to cover those risks. Ask one of our agents about flood insurance or earthquake insurance if you are at risk to those disasters.

Average homeowners insurance cost Sacramento

Homeowners insurance is the type of insurance that is custom to the individual home. Not all home insurance policies are the same. But if we look at an average cost for home insurance within Sacramento county we’d be looking at a rough average of $1,024 per year for dwelling coverage of about $250,000.

What is a good price for homeowners insurance

In the U.S. the national average for homeowners insurance is around $1,300 annually. This is for dwelling coverage of $250,000. If your home needs more coverage than that you can expect a higher home insurance premium.

Getting a great price on homeowners insurance doesn’t always mean you’ll get the coverage you need. Being under insured when the worst takes place can be devastating financially. You will always want to make sure you have adequate coverage on such a large investment.

When it comes to improving your rate you have several options. You can ask one of our wonderful agents about home insurance discounts and how you can take advantage of them. You can also have one of our agents shop all the top home insurance companies to see which company will give you the best rate.

Sacramento homeowners insurance brokers

Eugene C Yates Insurance Agency is one of the top home insurance brokers servicing the Sacramento California area. We have helped Sacramento homeowners get great coverage since 1946.

The reason you should do business through an independent home insurance broker like us is because we aren’t pigeon holed into offering you only one homeowners insurance provider. We have access to all of the top home insurance companies available. In addition, our agents have firsthand knowledge of all the best home insurance discounts on the market. This makes it very easy for us to always get our clients the best coverage at the best rate.