How much is home insurance in Sacramento

How much is home insurance in Sacramento? The average cost of homeowners insurance in California is roughly $1,200 annually. The good news for residents living near the states capital is that they will pay a slightly lower amount of around $900 per year on average. Please keep in mind these are just averages. There are several factors that will be taken into consideration when determining the rate you receive. The location or zip code you’re in, size and age of the home, and much more will all play a significant role when it comes to calculating your home insurance premium.

There will be areas of Sacramento and Sacramento county that may have higher rates due to certain characteristics. Crime levels and claims history will differ between zip codes. The same can be said for flood zones and other risks. 

To find the best deals on homeowners insurance in Sacramento it’s always best to shop around with an independent insurance agency such as Eugene C Yates Insurance Agency. The agents at Eugene C Yates have access to the top home insurance providers available and have the know-how to find all the homeowners insurance discounts you may qualify for. This makes it easy for them to get you a great rate on the best coverage for your situation.

If you would like a custom home insurance quote or have additional questions, please feel free to contact one of our amazing home insurance agents at 916 313 6100.

Sacramento homeowners insurance

For the most part the city of Sacramento does not see the same level of risks as the cities in California. Although, there still are things you will need to look out for and get coverage for. Risks such as flooding may be something to keep in mind. Although flooding usually isn’t covered in a standard home insurance policy. Wildfires have gotten really close as well. 

Sacramento Homeowners insurance and earthquakes

A standard home insurance policy will not cover you for earthquakes. The good news is Sacramento typically has less earthquake damage than the other California cities but it is always a great idea to be covered for the worst. 

Property crime and Sacramento home insurance

Burglaries have been on the rise in Sacramento since 2019. Sacramento home insurance is designed to protect your personal property in the event it is stolen or damaged. 

Is Sacramento homeowners insurance required?

Home insurance is not a state requirement. Although, if you have a mortgage on your home more than likely the mortgage lender will want you to have coverage before they will fund your loan. 

How to find affordable Sacramento homeowners insurance

When you’re looking for affordable home insurance it’s always best to go through an independent home insurance agency such as Eugene C Yates Insurance Agency. Our wonderful agents will help you shop around the market and find the absolute best deal for your situation. They will walk you through the details and answer all the questions you may have. 

The best way to get affordable Sacramento home insurance is by taking advantage of homeowners insurance discounts. Below are some of the more common discounts available:

• Claims-Free
• Safe Homeowner Program
• Early Shopper Discount
• Newly Purchased Home Discount
• New/Renovated Home Discount
• New Roof Discount
• Multi-policy Discount
• Insured to Value Discount
• Preferred Payment Discount
• Paperless Policy Discount
• Home security insurance discount
• Higher deductibles
• Responsible Payment Discount
• Welcome & loyalty discount
• Protective device discount

If you would like to find out what home insurance discounts you qualify for please contact one of our wonderful agents at 916 313 6100