Property Insurance in Sacramento

If you’re looking for property insurance in Sacramento this is the article for you. Sacramento has risks such as wildfires, flooding, earthquakes and more. Which makes having home insurance a top priority. 

How much does home insurance in Sacramento cost?

The average cost of home insurance in California is around $1,200 per year. Sacramento homeowners pay a little lower than that at about $900 annually. That comes out to $75 per month for home insurance in Sacramento. Please keep in mind these are only averages. The cost of home insurance will vary from home to home and homeowners insurance company to homeowners insurance company. 

The costs of home insurance are calculated after certain factors are taken into consideration such as the zip code you live in, the homes construction, safety features installed, claims history or the neighborhood and yourself, discounts you may qualify for, special features of the home, the age and size of the home and much more. 

If you’re interested in getting an accurate home insurance quote it’s best to speak to a local agent such as Eugene C Yates Insurance Agency. Our agents can help you navigate through multiple home insurance providers and locate all of the best homeowners insurance discounts for your situation. 

What does Sacramento property insurance cover

The most common form of homeowners insurance coverage is an HO-3 policy. This form of home insurance is robust and affordable. Below is how this policy will cover you:

Dwelling coverage:

Replacement cost dwelling coverage will help to pay for the cost to rebuild the home if the worst were to happen. 

Other structures coverage:

This portion of your homeowners insurance coverage will pay for structures not attached to your home such as fences, a detached garage, gazebos, sheds and more.

Personal property coverage:

Personal property coverage will protect the items within the home such as electronics, clothing, furniture, appliances, and more.

Loss of use coverage:

Loss of use coverage also known as additional living expenses will cover you for items such as hotel stays, eating at restaurants, and lost rental income if you or your tenant is forced from the home. 

Personal liability coverage:

This portion of your home insurance will protect you if you are sued due to someone being injured on your property. It will cover legal expenses and court fees.

Medical payments coverage:

If someone is hurt or injured on your property, medical payments coverage can help to cover their medical bills. 

What risks will Sacramento home insurance cover?

Your typical home insurance policy will cover you for specific perils and risks. Below are the most common ones:

• Fire
• Smoke
• Theft
• Vandalism
• Wind

Risks that are not covered in a standard home insurance policy are earthquakes and flooding. If you need coverage for earthquakes you will want to consider earthquake insurance. For flooding you can take a look at flood insurance. 

There are some areas in California that are prone to wildfires and may not be able to find coverage easily. If you live in a remote or high brush area you may want to consider the California FAIR Plan and Difference in Conditions insurance. 

Sacramento home insurance discounts and ways to save

The best way to lower your home insurance rate is to look into potential discounts to save. Below are some of the more common ways to save money on your homeowners insurance:

Install security devices

Remain claim fee

Install a new roof

Buy a new home

Become a loyal customer

Bundle multiple policies

Sacramento home insurance quote

If you would like a custom home insurance quote or have additional questions please contact us today at 916 313 6100