HOME INSURANCE SACRAMENTO
The staff at Eugene C. Yates Insurance Agency knows the importance of protecting your home. Call us today for any questions regarding home insurance Sacramento, we'd love to hear from you 😉
Sacramento Home Insurance Quotes
The fast and easy way to get homeowners insurance Sacramento Ca
In order to secure you the most appropriate coverage, we take the time to fully understand your individual insurance needs. We know that every homeowner has different interests.
We are one of the leading independent insurance agencies for homeowners insurance in Sacramento, CA, and the surrounding areas. Which gives us the ability to shop multiple carriers nationwide. Insuring you get the best possible rates on homeowners insurance.
Sacramento homeowners insurance brokers
We know what works for one homeowner may not work for you. One of our insurance specialists is happy to provide you with a thorough coverage evaluation. As well as offer you a free home insurance quote. If you are thinking about the need for added security or specialty coverage for unique exposures in your homeowner’s insurance policy. We can help.
homeowners insurance Sacramento California
If you own a townhouse or condo, you have different insurance needs from the typical homeowner. Not only do you own your individual condo, you also share ownership in the common areas and overall structure of your building. If shared areas need upkeep and maintenance, your association typically handles the expense through its insurance package.
Although your association dues help pay for the upkeep of the common areas, they do not typically cover your personal property within your own unit, or your liability if someone is injured on your property.
sacramento home insurance
WHAT'S COVERED IN HOMEOWNERS INSURANCE POLICIES
Sacramento home insurance protects you, your home and your belongings. Four key types of homeowners insurance coverage: dwelling, other structures, personal property and liability. Make sure you get multiple home insurance quotes. Home insurance in Sacramento California made easy.
Provides the insured party with protection against claims resulting from injuries and/or damage to people and/or property.
Personal property insurance or contents insurance. Will help you recoup loses from possessions in the home that have been lost, stolen or destroyed.
This policy covers the replacement of the home. If your property is destroyed due to fire or some other unforeseen circumstance, you may be reimbursed for your home.
Additional living expenses: insurance coverage that may come with homeowner, renter insurance, or condo owner insurance policies. It provides compensation to you when you can’t live in your home due to an insured loss or claim.
Dwelling coverage or home structure insurance. Protect the physical structure of your home. Walls and the roof. Most homeowners insurance policies don’t cover damage to your structure from events like flooding or earthquakes.
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Sacramento home insurance companies
Home Insurance Sacramento Ca
Townhouse / Condominium insurance provides protection in places not handled by condo associations. Condo and townhouse coverage protects your possessions in your unit, including furniture, appliances, kitchen, and bath facilities and your personal items. If you plan on upgrading your unit, any improvements you make are covered under your policy, including wall units, renovations, and wallpaper.
If you would like to feel more secure, look into purchasing a condo or townhouse insurance plan from Eugene C. Yates Insurance Agency. We look forward to talking to you about homeowners insurance as well as our options for life insurance in Sacramento, CA.
How much is homeowners insurance in Sacramento
The average cost of homeowners insurance in Sacramento California can vary. There are a few determining factors that will help your home insurance company to calculate the rate you end up with. If we look at dwelling coverage of $250,000 you’d be looking at homeowners insurance that would run you $1,094 per year. How much is home insurance on average per month? Around $92.
Don’t hesitate to ask one of our expert insurance professionals about additional coverage options. We offer information on all of the following that can add that extra degree of home protection:
Floater insurance covers a property that is easily movable and provides additional coverage over what normal insurance policies don’t. This can cover anything from expensive watches to elaborate TV equipment.
Standard homeowners policies don’t have flood coverage. Homeowners and renters insurance does not cover damage resulted from flooding. Protect your home. Understand the risks of flooding and what insurance options you have.
Most homeowners and renters insurance policies don’t cover earthquake damage. A standard policy will cover losses from fire following a quake. If the fire makes your home unlivable, it will cover additional living expenses incurred.
An umbrella insurance policy is extra liability insurance coverage that goes above and beyond the limits of the insured’s home. It’s an additional layer of security.
Animal liability insurance can be added to your home insurance policy to cover bodily injury or property damage your pets cause folks who aren’t residents of your home.
Frequently Asked Questions
What is Sacramento homeowners insurance?
Do I need home insurance in Sacramento?
Home insurance, next to life insurance, is seen as the most important form of insurance by many. This is specific to those that have homes in areas that are high risk for wildfires, floods, hurricanes, or tornados. Or anything of the sort. Call us today for a home insurance quote.
It is also seen as a necessity to those with families as, if something happens to your home, there would be many lives affected, not just your own. Say something goes haywire and your house burns down and you do not have your home insured… That would mean you, your spouse, your child(ren), and pets, are more than likely now homeless for at least a little bit. Or, even if it is just you living with your pet cats in a home, it goes without saying, but you would feel more secure knowing you will definitely be keeping a roof above your head.
So, if you want that extra reassurance that you are secure in your home, yes, you do need home insurance Sacramento Ca.
What types of Sacramento home insurance are there?
Standalone Homes: (Limited Availability) HO-1 is a basic homeowners insurance policy with limited coverage that protects a dwelling from fire and lightning, windstorms and hail, explosion, riots and civil commotion, aircraft, vehicles, smoke, vandalism and malicious mischief, glass that is part of the home, and volcanic eruptions. No more, no less. Note – this policy does NOT cover personal belongings in the home.
Insurance Sacramento Home
HO-2 is a basic policy that protects everything HO-1 does with the addition of damage from falling objects, water damage from accidental overflow of plumbing, heating, air-conditioning, and household appliances. Again, no more, no less. Note – this policy DOES cover personal property in the home.
Sacramento Home Insurance
HO-3 is the most common policy protects everything HO-2 does with the addition of any other perils you could think of. (This excludes earthquakes, floods, landslides or mudslides, nuclear accidents, or sinkholes.) Note – this policy covers personal belongings in the home against the same perils covered by the HO-2 policy.
HO-5 is a policy form identical to that of HO-3 BUT HO-5 is actually more comprehensive and covers personal property from nearly every peril. Note – this policy is a bit more expensive due to the depth of its coverage.
HO-8 is a policy designed for older homes (>40 years old) that have a replacement cost that actually exceeds the cash value of the home. This policy is most used to insure registered landmarks and architecturally significant structures. HO-8 covers the same perils as HO-1. Note – this policy is more affordable than the previous policies. Quality Sacramento Home Insurance.
Average homeowners insurance cost Sacramento
When it comes to determining the rate you will receive on your homeowners insurance there are many factors that will be used to come up with your home insurance premium. You may not get the same rate your neighbor is paying. But if we took the dwelling coverage of $250,000 the average home insurance cost Sacramento would be $77 monthly.
How much is too much for homeowners insurance
In the United States homeowners pay on average around $1,312 annually for homeowners insurance with dwelling coverage of $250,000. How much is home insurance in California per year? Roughly $1,014 annually. Please keep in mind every home is different and will come with different risks. You may also have items installed within the home that may make it safer and come with less risk which will in turn earn you discounts on your home insurance.
In addition, if you’re in California you may run the risk of not being able to even get home insurance. If you live in an area prone to wildfires it can be very difficult to renew coverage or even get coverage in the first place. In situations like these we offer the California FAIR Plan and Difference in Conditions Insurance (DIC). These policies typically come at a higher cost basis.
Ask one of our Sacramento homeowners insurance brokers how the below factors can help you. Best home insurance in Sacramento.
The best home insurance companies in Sacramento may offer you a discount if you have a monitored fire alarm system because, then, firefighters can respond quicker and there will be less damage to your home, thus meaning your claim to the company would be smaller.
A decent amount of home insurance companies offers reduced prices to homeowners that have a monitored security system. Having said system is a good idea as is, but now you know it can actually save you money in the long run, too!
Making your home stronger in terms of safety, longevity, and/or structure, you may just receive a discount as your chances of having a claim are greatly reduced. Home improvements can sometimes lower premiums.
Some homeowner’s insurance companies offer small discounts if you pay for your chosen policy in full. And that is not all, call an insurance broker to learn more about possible discounts to save you some money. There is something for everyone!
Insurance companies may lower your rates if you go a specified amount of years without filing any home insurance claims. Over time this can significantly reduce home insurance cost.
Add-ons
For Lower Rates
- Chart calculating the average prices of homes in CA, the prices of basic coverage, and found the simplest discounts we could. Even with such small-seeming discounts, the outcome is big!
What are insurance add-ons?
Add-ons, when it comes to insurance, are extra coverages for a better financial protection for what you are insuring. Some examples:
Sewer backup would protect you if something like a municipal line failure caused sewage to back up into your home.
Extended replacement cost pays 10-50 percent above the limit of coverage if building costs rise after a major disaster. This is more affordable than a guaranteed replacement cost.
Contents replacement cost is better than a standard policy as said policies usually only reimburse only the depreciated, or actual cash value, of stolen or damaged home contents and/or personal belongings in the home.
Additional valuables or a “floater” will supplement coverage on costly items.
Ordinance, or law and endorsement provide extra coverage required to pay for the cost of rebuilding or repairing/replacing an older home.
Inflation protection automatically raises your coverage to reflect annual increases in homebuilding costs.
Next steps
So, now you know the details about home insurance Sacramento, but where do you go from here? Well, now it all comes together.
- Locate companies near you
Sometimes people think they have decided on an insurance company that is perfect for them, just to find that the nearest branch is too far away. So, if you live near the capital of California, you may want to look into Sacramento Insurance Company – for example.
2. Know what you can afford
This is the most important thing when it comes to deciding on a home insurance policy. When looking for any insurance, especially homeowner’s insurance, you must keep budget in mind. This may seem obvious, but sometimes certain deals just look too good to pass up! But, keep scrolling, you will appreciate it in the future.
3. Know what general type you need
Types of homeowners insurance are listed above as HO-1 to HO-8. Read each carefully to separate the types that suit your needs and the type of home you live in from the ones that are just not appealing and/or fitting to you and your needs.
4. Call an insurance broker
Insurance brokers will answer any possible insurance questions you may have without holding any biases towards or against any insurance companies. Said broker can help you find a specific company that carries all your needs. For example – I could call an insurance broker and say I want an HO-2 policy with a senior discount, the broker would then lead me to companies such as Allstate or Geico or even Sacramento Insurance Company. A homeowners insurance quote should be simple and fast.
5. See what discounts said company has
Speaking of senior discount… Many homeowners insurance companies offer discounts for an infinite amount of things. Be careful to check with an insurance broker about what discounts the company you are specifically looking towards has. A lot of times it is real easy to get a home insurance quote online.
Then, putting it all together, you should have a pretty sturdy idea of what company and what homeowners insurance policy suits your needs, as well as any discounts you may be applicable for. All that is left is a phone call, or visit, to Eugene C Yates Insurance Agency!
What is the average cost of homeowners insurance in California
The average cost of homeowners insurance in California is roughly $1,014 annually. This is based off standard dwelling coverage of $250,000. Please keep in mind these figures can vary from zip code to zip code. There are a lot of factors that may come into play that will determine what final rate you receive on your home insurance is. How much is home insurance in Sacramento? Slightly lower than the California average at around $900 per year.
Which company is best for me? USAA Farmers State Farm Amica Allstate
How much is Sacramento home insurance? Some of the main, best, home insurance companies in Sacramento that are chosen are rather large branches, but purchased through reputable Sacramento brokers. For instance, these are some of the best homeowners insurance companies in California:
Allstate offers extra coverage; you can add on water and sewer damage, identity theft protection, and umbrella liability coverage, among other options. You can also expect a price cut for holding multiple insurance policies (like auto and home insurance), setting up autopay online, and keeping a smoke-free home.
Farmers offers discounts for people that open multi-line policies, install burglar or fire alarms, or replace their roof.
State Farm offers almost every policy option you could imagine.
USAA caters exclusively to active military service members and veterans, as well as their families. USAA provides homeowners insurance that covers fire, theft, vandalism, and most weather-related events.
But, these are not your only options, these are simply some examples. Talk to an insurance broker or search online to find some more options.
What if my home does not qualify for property insurance in Sacramento?
Do not worry, you can still insure your home! Many companies offer a policy called DF-1, sometimes called fire and extended coverage, which offers very limited coverage. It is still coverage though! This policy can cover fire and lightning, windstorms and hail, riot or civil commotion, aircraft, vehicles, and smoke. Depending on the company, you may or may not receive coverage over all of these perils.
Still not sure? Call us today. We’ll answer all your questions.